davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: WELLS FARGO & COMPANY (FL)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (GA)

On XXXX  Aldous & Associates, P.L.L.C. agreed to a settlement of XXXX for violating communication tactics according to FCRA guidelines. It has been 3 weeks and I have not heard back from them after I sent certified mail agreeing to the settlement of the XXXX. It makes no sense that I have to communicate with this debt collector agency via The XXXX XXXX XXXX to receive any communications. I have sent over 5 letters which were all ignored until I filed a complaint through CFPB.
Consumer complaint received 2023-07-07
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
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: JPMORGAN CHASE & CO. (IN)

On XXXX, XXXX, I was in XXXX ; I used my credit card in a restaurant for a receipt of XXXX XXXX ( around XXXX $ ). Then I received a message from Chase that a transaction of XXXX $ was declined and they asked me to confirm if it was me or NO. I immediately replied by no and I am attaching the screenshot of the text messages ; they confirmed that they would not let this transaction go through and they said they going to send me a new credit card. Also, I called Chase customer service to report that transaction because the restaurant charged me more than they should and I told them that I don't recognize this amount. and they sent me a new card a few weeks later, they sent me a letter that stated that they declined the dispute because I had the physical card with me, I told them that I didn't confirm this transaction and you should not let it through. 

then they asked me to file a dispute and write a fax to them, describing the problem and they said they were going to contact the merchant ; I went to the bank and did that in XXXX. 

on XX/XX/XXXX they sent a letter that they declined this dispute, and they asked me to get a receipt from the merchant. which I can't do because it's overseas and it's impossible to reach them, and I am sure that they did it on purpose. if chase have told me when I was in XXXX that I needed to get a receipt that would have been much easier. 
plus they should not have let this transaction through as I replied by NO to the text message
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Kimball, Tirey & St.John, LLP are charging me a debt of {$1400.00} for an apartment on which I never lived, nor signed a rental contract for. It has been tarnishing my credit since XX/XX/2019, re-aged, and it is still present and negatively affecting my credit score. I have contacted them multiple times via phone and certified mail, they are unable to provide proof of alleged signed documents. Last year I submitted a dispute with each bureau and they have yet to remove it or provide any proof to support its legality. Under the guidelines of the Fair Credit Reporting Act, Kimball, Tirey & St.John, LLP are unlawfully reporting fraudulent information on my credit.
Consumer complaint received 2023-05-02
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. (TX)

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX FRADULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
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. (NY)

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
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: CITIZENS FINANCIAL GROUP, INC. (MI)

I received a letter from the company confirming if I had changed the address on my credit card. I did not. Someone was apparently using my card. I contacted the bank and they informed me that I had to go to the bench to be verified in person. I learned that the perpetrator called in to their customer service and convinced them that she was me and chandlers the address, e-mail and phone number. Also changed online log in information and proceeded to use my card, which was a XXXX balance for months before this. This all happened in no of XXXX, early XXXX. I went to the branch XX/XX/XXXX and with the help of the branch personal, filed a claim over the phone with the fraud department. Prior to that the bridge person had been in contact with the credit card department Customer Service via chat, and had given them my information so that they could correct it, including phone number address and email. I was told it could take up to two billing cycles to fix. I was also told that they couldnt remove it from my credit report. I waited patiently through two billing cycles, and then had to make another appointment to find out what was going on. Apparently nothing was going on and the information wasnt saved in the system so the account still showed the perpetrators information instead. All I could get was a claim number that would show that I was getting my phone call escalated to a member of management and I would get a call within five business days. This appointment happened Friday, XX/XX/XXXX. I had to make another appointment to find out why I didnt get a phone call and I went in today, XX/XX/XXXX. The branch person got the credit card fraud department on the phone and they told me that the original claim was declined but because the address didnt get change I didnt get the ladder so I had been waiting for nothing the claim number I received play just a number that told me I was getting a phone call from a member of management and they did not start a new claim on me yet, so I have no idea why this wasnt processed in the Beginning. I had gone into the bridge timely in the very beginning when charges were still pending and now this Kriminal has gotten over {$5000.00} of money and merchandise. I have been getting collection calls and my credit report has been affected. I want this resolved immediately and I want my credit restored.
Consumer complaint received 2023-07-07
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-07-07
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. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Consumer complaint received 2020-06-11
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. (AR)

My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i never goy cards from any of these us bank has 5 inquirys on here and i have one card that i gor from them in that XXXX XXXX has no cards i received from them in that time frame XXXX XXXX got 2 inqurys and yet no cards from them XXXX  no cards in this time frame do i have to file reports on all these and get them corrected because i will my next step
Consumer complaint received 2023-07-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

I HAVE BEEN TRYING TO GET THIS COMPANY TO REMOVE THIS INACCURATE INFORMATION THEY ARE REPORTING ON MY CONSUMER REPORT I HAVE REACHED OUT TO THE CREDIT BUREAUS, THEY ARE TELLING ME TO CONTACT THE COMPANY ITSELF I HAVE DID THAT THEY KEEP TELLING ME ITS THE REPORTING AGENCY THATS DOING THAT NOT THEM. THIS COMPANY IS REPORTING TWICE ON MY. CONSUMER REPORT THE DEBT WAS PAID BY THE IRS AND THE COLLECTING AGENCY. FROM THE ORIGINAL CREDITOR I NEVER RECEIVED A 1099C FORM FOR ORDINARY INCOME ( CANCELLATION OF DEBT FORM ). THIS IS. CLEARLY A VIOLATION. OF 15 USC SECTION 1681EB. ALSO YOU KEEP UPDATING THIS AS IF ITS A NEW ACCOUNT. ALSO 15 USC CODE 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER OR ANY CONSUMER REPORTING AGENCIES THEY ARE REPORTING INCORRECT INFORMATION. IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (IN)

Good Evening, After recently being contacted again by a debt collector, I was made aware that they were violating some of the consumer rights. With further research and consultation I have been made aware that this company is not licensed to collect in my state. In addition to that I have been violated by PMS collections not complying to code 15 U.S. code 1692d where it clearly states that a debt collector may not engage in any conduct of which is to harass or press any person. At this time there is no proof of the collection or verification that they could provide. They will not respond in a timely matter and I ask that this account may be removed from my consumer report and that it reflect the change immediately.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (CA)

On XX/XX/XXXX I went to XXXX XXXX, XXXX, and XXXX to buy a car. I put down {$500.00} on a XXXX XXXX XXXX. I was told my Apr would be 24 % with Global Lending. I didnt take possession of the vehicle until XX/XX/XXXX. When I got the car home the car wont crank. I called back the dealership and told them I would like to cancel my contract on the car because it wouldnt crank. They told me the financing manager wasnt in and he would call me back. I finally got the car to crank and took it to be checked and the transmission failed the test. I called back and was told they would get back to me they never did. Global lending reported the loan on my credit report at 27.6 % I was very confused and called to ask about this and was told I needed to contact the dealership. On XX/XX/XXXX the XXXX started losing power where the car would shut off. I called the dealership and was told that was how XXXX made the car and it was nothing they could do. I went through this problem the entire time. I was laid off and I spoke to my lender letting them know and also letting them know my loan was still reporting wrong and they told me I once again I needed to reach out to the dealership. XXXX told me they would pay my loan in full because my car was including in a engine recall. Global lending wouldnt even allow XXXX to look at the vehicle they harassed the dealership everyday about the car even though they were reporting a fraudulent loan and they never corrected it. I asked to be released from this loan as soon as I took possession of the car and I was given the runaround instead
Consumer complaint received 2023-05-02
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. (AZ)

I submitted a letters to Transunion, XXXX, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from Transunion, XXXX, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to Transunion, XXXX, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my Transunion, XXXX, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Consumer complaint received 2016-09-28
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: STATE EMPLOYEES CREDIT UNION (OH)

North Carolina State Employees Credit Union I have banked there since 2001. 
Recently, I moved abroad and often need to transfer/wire funds to myself. 
I was told XXXX performs that function for them. 
Until recently, the wire charge for XXXX dollars. 
This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. 
That is almost a TRIPLED charge.
Consumer complaint received 2023-05-11
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. (NJ)

XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and trans union does not see the information is wrong and logically makes no sense, therefore does not delete it off my credit report.
Consumer complaint received 2023-05-02
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)

I have written to this agency to remove my statement due to fraud and not being able to fix the issue I had to file bankruptcy. nothing they don't respond and calling them does not exist I have argued that XXXX XXXX was not in my bankruptcy they came back with no changes but XXXX XXXX is still reviewing. so this tells me that XXXX is for the creditor and not the consumer and really do not do on behalf of the consumer when they are given proof of what I am stating. 
XXXX and XXXX XXXX XXXX are in my bankruptcy and XXXX did not put it on. 
I have had problems with XXXX regarding numerous issues and they seem to take the side of the Creditor when they are showing documentation that the Creditor is wrong.