davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX XXXX XXXX XXXX XXXX XXXX which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-08-03
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. (AL)

I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, XXXX, and Experian. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Disputed charge for undisclosed " 4 % service charge '' not authorized or signed for and authorized returned items that we were told after they were returned and we would keep were sold without our permission.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

This is unacceptable the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 as of today its 49 days, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 2. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 3. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 4. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 5. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 6. XXXX  XXXX  CU : Account number : XXXX, How did you verify this account? Please delete XXXX. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 8. XXXX : Account number : XXXX, How did you verify this account? Please delete 9. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (MI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kimball, Tirey & St. John LLP (CA)

Kimball tyree st john is not supposed to reporting a judgement or public record on my report, the law firm filed an eviction, and it was granted by the courts in 2016 4 yrs ago, this company is very harassing, judgements, liens, or public records accept for bankruptcy is only allowed on my credit report, this firm is using deceptive tactics reporting it on my credit, and not listing it as a public record when it actually is a public record, I checked the system, XXXXXXXX XXXX XXXX, and XXXX, and they said the firm is reporting it as a regular collection loan account instead of an eviction, which is public records, which is deceptive practices on their part, they are in violation of the national consumer protection plan, and they are to stop reporting the eviction to the bureaus. It is time barred debt anyway, after I reported it to the credit bureaus they deceptively ran to the courthouse to file an memorandum of costs, which is very sneaky on their part,
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (TX)

Experian- wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX , XXXXXXXX 1 XXXX XXXX XXXX PA XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.XXXX- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both Experian and XXXX refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/21, I opened a CitiBusiness Streamlined Checking account with the friendly assistance of XXXX XXXX  XXXX at the branch location specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX provided me with a brochure/ flyer ( please see attached ) specifying the terms of the Tiered bonus promotion. I opted to become eligible for the {$1000.00} bonus promotion by depositing a minimum deposit level of {$50000.00} and maintaining this level for 60 consecutive days. I deposited {$50000.00} and it posted onto my account on XX/XX/21 and I maintained this amount until XX/XX/21. 

The terms of the promotion state : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' According to the terms, I should have received my bonus promotion of {$1000.00} on XX/XX/21.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of false information and did. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Consumer complaint received 2021-08-03
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-03
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. (TX)

On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXXI filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). 

Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. 

I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX  XXXX. I immediately called EXPERIAN and the collection was removed the same day. 

On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. THIS IS THE THIRD TIME THAT A TWICE PREVIOUSLY INVESTIGATED FRADULENT CHARGE HAS REAPPEARED ON MY EXPERIAN CREDIT REPORT. What is going on over at EXPERIAN?
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Synchrony Financial shown on my report as ( SYNCB/AMAZON ) and with the date of XX/XX/XXXX on my XXXX consumer report, and also it is shown as ( SYNCB/XXXX ) with the date of XX/XX/XXXX. Synchrony Financial is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I sent letters to all three major bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my credit report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance {$840.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$840.00} PORTFOLIO XXXX-XXXX Balance : {$840.00}
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (FL)

To whom it may concern, I been a victim of identity theft and my personal information has been comprised. There's inaccurate information such as address on my credit report that are not mind and 2 accounts that are not mine. Those accounts are fraudulent and I'm asking for this to be removed immediately as it's not valid. I tried numerous of times to find a solution with the credit bureau directly but no resolution. I been transfer numerous of times with no help. I have submitted all the proper documents to the bureaus via certified mail and via email. I need this issue to be resolved and accounts removed immediately. This has cause emotionally and financially stress to my life and affecting my ability to move forward.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Since XX/XX/2021 I have been paying Lexus financial services on a Unemployement debit card. Every month after Lexus has been accepting the same card. Now on XX/XX/2021 I tried to make a payment and I was told I had to be 30 days late for Lexus to except a debit card? I feel like Lexus wants me to be late and effect my credit. My payment will be 30 days past due on XX/XX/XXXX. This is not right. I been on the phone for over 1 hr I need help I feel I am being taken advantage of and also Lexus is trying to destroy my credit. I dont have a checking account and I dont have the money to pay XXXX XXXX. I am only getting unemployment. Please help before XX/XX/XXXX because then I will be 30 days past due. A Unemployement card is a debit card and Lexus accepted this card 5 months in a row
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Valentine and Kebartas, Inc. (NC)

Valentine & Kebartas , LLC. is in violation of 15 U.S.C. 1692 ( b ) ( 5 ) against me XXXX XXXX. Generally, under the CFPB 's final rule, a debt collector cant communicate or attempt to communicate with a consumer by sending an email to an email address that the debt collector knows is a work email address, subject to some exceptions. 

On Friday XX/XX/2021 @ XXXX I, XXXX XXXX received a email at work to a company server which is shared with several employees from Valentine & Kebartas , LLC . The email contained personal information about a invalid debt that was not for company staff to see. 

The email contained my address, alleged amount owed, as well as other personal and private information. I replied back to the email on Friday XXXX XXXX  @ XXXX informing Valentine & Kebartas , LLC , that they were in violation of 15 U.S.C 1692 ( b ) ( 5 ) for sending personal and private information to a non private email server.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (TN)

XX/XX/XXXX - Applied for a mortgage with Amerisave, submitted required documents to their online portal, called and spoke with XXXX XXXX. 

XX/XX/XXXX - Followed up with XXXX XXXX via email after several phone calls trying to see how far I was in being pre-approved so that I would know the price range and start looking for homes. Never heard back from him. 

XX/XX/XXXX - Received an email from XXXX XXXX stating my rate expired and he started a new application for me and ran another approval. I got multiple emails from the different credit reporting agencies about a new inquiry on my report. I then received another email from XXXX XXXX stating my application had been approved. Then it bizarrely asked me if I was selling my house and that I needed to lock in my rate. I got another email thanking me for the application that I did not submit nor authorize. I emailed XXXX XXXX about an hour after his email when I first saw it informing him that I never heard back since XX/XX/XXXX and did not need a mortgage loan anymore. However, the inquiries and applications had all already been submitted by him around XXXX on XXXX, likely so that I would not have seen the emails fast enough to respond.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (FL)

Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. Equifax didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT EQUIFAX Removes the inquiries as well as XXXX. Thank You! I have provided my Identity theft report and my State ID