davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX. I disputed the following information with XXXX, XXXX, and Transunion PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX  Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of XXXX  investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to XXXX  on what needs to be done.
Consumer complaint received 2022-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (IA)

Lockhart , Morris & Montgomery , Inc . has been calling me early in the morning before XXXX about a debt that they assume that I owe. they didn't sent me any letters regarding the debt. so I file a dispute on with them asking them to verify the debt by law they have 30 business days to Respond to the letter, and I didn't hear back back and that's a violation, Im submitting this complain to get that mess off my credit. since they couldn't verify the debt. XX/XX/2022 is when I mailed in my first dispute letter to the company. their address XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX, TX XXXX as its reporting on my credit profile. if they can't Verify it NEEDS TO BE DELETED ASP.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CT)

To Whom This May Concern, I am writing to express my concern that US Bank has unfairly closed my Secured Credit account and made deceptive statements to me over the phone and in at least one letter. 

Specifically, in a letter dated XX/XX/2022 I was informed that my secured card was permanently closed due to the attached secured savings account funds being " garnished ''. 

I subsequently called US Bank to ask for detail and was informed that the account was not garnished, instead, a hold had been placed on the funds until XX/XX/2022. The US Bank representative informed me that my account could be saved if I made payment to the creditor which was identified as the State of California tax board. 

After such a call I immediately made a payment to the State of California tax board, however, my account appears to be having issues online. 

US Bank markets their secured cards as a way to rebuild credit and I took the responsible action to pay the previously unknown creditor at the earliest possibility. However, I am now worried that US Bank is going to take action contrary to their representations of rebuilding credit by closing my account permanently- despite assurances by support staff that the account would not be closed if payment is made immediately.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was denied an apartment due to erroneous information found during a rental screening check. TransUnion claims the record ( XXXX ) is not part of my credit report, however this information is showing up on rental screenings and preventing me from obtaining housing. 
If this item were accurate, it would have been included in a bankruptcy.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (WA)

I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. COMPANY IS AWARE OF THIS MATTER, BUT CONTINUE TO REPORT.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (DC)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (WA)

I have had nothing but issues with this bank since the day I got it. They held my irs check for 2 weeks. Then my account was emptied. XXXX was taken after they said they sent me a new card in the mail. So I got rid of the first card. The new card was the same as the first card and my account was emptier. I called the XXXX and told them I don't have XXXX XXXX or XXXX  and they didn't do anything since on the XXXX someone took the last XXXX I had. They denied my claim saying it's unfounded but if that's the case where is my XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

See ATTACHED reponse from me on the matter below ase number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX : Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. 

Upon receipt of your inquiry, the Consumer and Small Business Executive Office also reviewed this dispute. While it is disappointing to learn that you may have been the victim of a fraud scheme, we agree with the decision previously communicated to you by our Claims Assistance Center. Because the transaction was made by you we are not able to follow up with the merchant on your behalf. We recommend you contact the merchant directly to resolve the issue.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (DC)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (TN)

I am writing to you about collecting a debt. I have been notified by both XXXX XXXX XXXX, as well as XXXX XXXX XXXX that they have rights to a debt that allegedly originated with XXXX XXXX XXXX XXXX. 

I

do not have ANY responsibility for the debt. I am a victim of identity fraud that dates back to the year 2020. What I have found with several instances, including this one, My Name, DOB, Address and SSN was used to obtain access to credit by someone other than myself. Attached to this letter, you will find the following. A report from the FTC detailing my case of identity fraud A police report detailing that I am a victim of identity fraud. As you are aware, the FCRA prohibits creditors and collection agencies from reporting accounts, or other information to credit bureaus, that are known to be a result of fraud, pursuant to Section 623 ( a ) ( 2 ) of The FCRA sections in the U.S. Code, 15 U.S.C. 1681. I fully
expect that XXXX XXXX  will review the information included, and following the law, cease and desist all collection efforts, remove this account from my credit report, as well as contact both XXXX XXXX XXXX and XXXX XXXX XXXX to make them aware that they are reporting a fraudulent collections account on my credit report. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (NY)

Mortgage has been paid off, I have a balance of XXXX this amount was sent to the end of my loan during the time of hardship years back I do not have the money to pay in full. The company has not answer me at all i am still making monthly payment but i do not see it being applied. I do not want to get charged any fees on thinks MORTGAGE LOAN STATEMENT STATEMENT DATE XX/XX/2024 PAYMENT DUE DATE XX/XX/2024 LOAN NUMBER XXXX AMOUNT DUE {$4200.00} PROPERTY ADDRESS XXXX XXXX XXXX XXXX, NY XXXX If payment is received on or after XX/XX/2024, a {$39.00} late fee will be charged. 
QUESTIONS? WERE HERE TO HELP. 
CUSTOMER SERVICE : XXXX Mon-Thu XXXX XXXX. to XXXX XXXX. ( CT ) Fri XXXX XXXX. to XXXX XXXX ( CT ) Sat XXXX XXXX. to XXXX XXXX ( CT ) www.mrcooper.com YOUR Dedicated Loan Specialist is : XXXX XXXX AND CAN BE REACHED AT : ( XXXX ) XXXX or via mail at : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. ( XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I applied for a XXXX Credit card. The application was declined for " A delinquent credit obligation ''. I followed up with both XXXX and Experian and each company is blaming the other. 

My Experian credit report shows a score of XXXX. I have no delinquent payments and no negative items on my account. I also checked XXXX which shows a score of XXXX and no outstanding items. 

I have been shuffled around between XXXX phone numbers provided by XXXX including the number on the rejection letter which says " If you have any questions, call us at XXXX or go to XXXX '' The phone number does not allow you to ask questions and provides no way to contact a human or resolve the issue. 

I only have XXXX credit cards. XXXX ) XXXX platinum for over XXXX years and XXXX ) XXXX Credit card. I have never had an issue with credit and the lack of consideration shown by both XXXX and XXXX resolving the issue is disgusting.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Receivables LLC (CA)

I was contacted by Lien Receivables LLC in XXXX XXXX, CA regarding a towing of a motorcycle and storage. They indicated that the vehicle is mine, which it is not, that it had not been claimed and therefore had been sold, but the proceeds were not enough to cover all the costs involved, and that I owe {$2300.00}. They sent me documents via text message for a motorcycle, which I never owned, and at an address for which I have never lived at. I told the caller on the initial call that it is not my vehicle and that they have the wrong person. I continued to receive text messages, phone calls, and a letter indicating threatening actions including contacting my employer, taking me to court, and such if I did not resolve the matter. I have repeatedly told them that they have the wrong person and I have never owned the vehicle in question. I looked up the phone number ( XXXX ) XXXX, that texted me and found allegations that this company is a scam and this tactic has been used against others. I researched the company name and found some similar evidence that they are not legit. I have asked them to not contact me anymore, but they continue to harass me.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;