davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

A balance from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card debt was sold to Portfolio Recovery Associates. There was no debt validation provided from Portfolio Recovery Assoc.The  balance was paid off to the collection agency although there was no signed contract with the company. I was told by the agency that the collection inquiry would be removed from my credit score once  debt was paid.   Has reached out to company several times about this promise and Portfolio Recovery Assoc. has failed to remove the closed account from credit.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

Upon being denied from a lender for too many inquiries from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.   XXXX   date   XXXX   2.  XXXX  date   XXXX   3.  XXXX  date  XXXX  4.   XXXX   XXXX   XXXX   date   XXXX   5.  XXXX  date  XXXX  6.  XXXX  date  XXXX
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc. (MO)

I pulled my credit report and noticed this company is listed on my credit report claiming several accounts. They did not send me anything in the mail allowing me a chance to dispute this alleged debt that has been sold several times with no proper validation. I send them a letter certified tracking number XXXX and has requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My credit score was obtained from Equifax Bureau on XX/XX/XXXX by XXXX XXXX XXXX for auto loan financing. The institution reported a score of XXXX. I didnt know about the score of XXXX until the following week when a delay in processing lead me to engage XXXX XXXX XXXX XXXX XX/XX/XXXX, which also obtained an Equifax score for me of XXXX. When XXXX advised me of XXXX score I challenged it because my knowledge of my credit score has been consistently above XXXX rating for many years. In fact, I checked my scores from all 3 bureaus on Monday XX/XX/XXXX just two days before XXXX and each bureau including Equifax indicated my score as over XXXX. I then pulled my score from Equifax on XX/XX/XXXX just a couple minutes after what XXXX reported and my score was XXXX. It didnt make sense my Equifax to report my score up to XXXX points lower to a potential lender ( s ) than what it reported to me. When I received the Adverse Action Letter from the first lender XXXX XXXX XXXX for reasons other than my score, it shared the score of XXXX. On Monday XX/XX/XXXX I made contact with Equifax representative XXXX to determine why there is such a disparity in the score report, he only indicated lenders can use whatever score model they choose when pulling consumer scores. So is Equifax free to misrepresent scoring to lenders and indicate a different score, a better score to consumers or is there still problems with its coding as reported nationally in XXXX?
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (PA)

CHECKr, is the company that has been providin g OLD information about my driving record to the   XXXX   XXXX   that I currently   XXXX   for, or have applied to. They are reporting information that is over 10 years old!
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (AR)

I have received many calls from the debt collector stating I owe a balance that is false I tried to resolve the issue but even contacting the original Creditor Name XXXX XXXX XXXX XXXX they say the debt is coming from who also verified that I owe no balance of such at all in the matter and this should had never been send and also informed them to delete from credit file ad close account but I am still getting harassing calls on this matter that should had been removed and resolved.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I tried to pay my outstanding debts with Citi Bank, but they refused to accept my payment, because it is a bank based in the XXXX. I am trying to pay off my debts, and I do not understand why they will not accept a payment from me. I do n't see why it matters that it is a XXXX bank, given that Citi is an international banking institution and has no problem dealing with foreign institutions or money.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Square deactivated my account without any explanation or communication, leaving me perplexed. I have had a flawless nine-month business relationship with Square, with XXXX complaints or chargebacks. In fact, I was so impressed with their service that I decided to open a Square checking account to further grow my business. However, during the approval process for the checking account, not only was my bank account deactivated, but my entire Square account as well. To make matters worse, Square is also holding my funds, exacerbating the issue. This abrupt and unexplained deactivation has left me in a challenging situation, and I'm in dire need of assistance. I firmly believe this is a mistake, and I am seeking a prompt resolution. I implore Square to respond with clarity and decency, as I have not violated any terms of service, and this issue needs to be resolved ASAP to allow my business to continue thriving. Please investigate this matter and help me reinstate my Square account and release the funds being held so that I can get back to building my business.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

It has come to my attention that Citimortgage was required to pay back some monies to consumers. When we tried to modify our mortgage in 2012 with Citimortgage we were unable to do so. Instead of helping us they sold the mortgage to XXXX a year later. Since that time we ultimately lost our home and any hope for ever getting another one. Our life savings were invested in that house. Can you share the specifics with us?
Consumer complaint received 2017-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jeffrey G. Lerman, P.C. (NY)

I had an XXXX done at XXXX XXXX hospital XX/XX/XXXX. I received a bill for {$1800.00} and paid it in full onXX/XX/XXXX. A month or so later I received another bill for the same XXXX claiming that I owe {$390.00}. I called the number on the paper 4-5 times requesting a call back ( via voicemail messages ) because I did not understand what I was being billed for. They never called me back, but continued to send threatening letters. On XX/XX/XXXX I received a letter from a law firm, XXXX XXXX, attempting to collect on the same bill for {$390.00}. I contacted the law firm and there was no answer so I left a message requesting a call back. I did not get a call back. I sent the law firm an email with an attachment showing the receipt of my payments and explained the situation. I never got a response to my email or a call back.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On  XXXX  I was  XXXX  for  XXXX   XXXX   XXXX    XXXX   on  XXXX  I realize that my account has been used without my consent I reported it directly I had over a hundred charges that I could not have done and did not authorize I was informed as of  XXXX   XXXX  that my claim was denied without any reasons I then asked why I was n't covered under  zero  liability I was then never given the reason
Consumer complaint received 2017-07-03
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. (TX)

I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.
Consumer complaint received 2017-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have an outstanding balance of {$200.00} USD on coinbase and they ask for my debit card information so that i can pay. I give them my debit card information and my account was locked and payment pending ever since  XXXX   XXXX   2017 . I email them several times and they told me that i need to deposit enough   XXXX   currency to cover my outstanding balance and when i told them that i have enough   XXXX   currency in my account to cover it. They told me that they have issue charging me that amount. It has been more than a month since this issue and it has not been resolve. I am not sure why it is so hard to charge me for the outstanding balance since i have purchase from coinbase multiple times. Now i am unable to withdraw the funds i have in my account and will take legal action if needed.
Consumer complaint received 2017-07-02
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. (LA)

I have been the victim of on going and troubling ID THEFT. I have several fraud items reporting on my credit report. I have sent police reports as well as other supporting documents showing this to be true. Transunion has stopped responding to my request to remove these fraud items. The person responabile for this ID THEFT is a wanted fugitive and is begin actively sought by law enforcement.
Consumer complaint received 2017-07-04
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: Experian Information Solutions Inc. (PA)

My credit report has several unauthorized inquiries, I contacted XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX PA, to discuss the FRCA violation and they said that the inquiry in question was from a business loan application that they received from on their brokers " XXXX XXXX XXXX , XXXX, and they said I authorized it, I said, I wanted to see the application that authorizes my personal credit be pulled and they send me an application from XXXX XXXX XXXX XXXX XXXX that specifically states " that may not obtain, including credit reports and personal financial condition. ( see attached ). I have discussed this matter with XXXX XXXX XXXX of XXXX XXXX XXXX and he refuses to have the inquiry removed. I explained to him in depth, that all he has to do is contact the credit reporting agency in question and have the inquiry removed. He has refused to have the inquiry removed, most likely because they do this all time and do n't want to get in trouble with the three major credit reporting agencies " XXXX, Experian and XXXX for pulling consumer credit reports without authorization. My credit score has dropped substantially because of unauthorized inquiries,
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX  Transunion, and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XXXX XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.
Consumer complaint received 2017-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
Consumer complaint received 2017-07-04
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. (TX)

under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT