davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit report agency is not even trying to help me in fixing my credit report, a few weeks ago I got a mail with my credit report, but there is many wrong information there thats needs to be fixed, but they dont help me. I've been getting denied credit from many lenders because of them. Im so upset. I need help with this.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

To Whom It May Concern : On XXXX XXXX 2024 I was forwarded a debt collection notice from Continental Service Group XXXX addressed to a company I once managed that officially closed down on XXXX XX/XX/XXXX. The notice stated that Continental Service Group was acting on behalf of the IRS to collect a business debt of {$580.00} + penalty and interest supposedly incurred for a tax payment due in the XXXX quarter of 2021. In fact, full payment of that tax had been made on XXXX XX/XX/XXXX as the enclosed attachment will show. Obviously, either the IRS or Continental Service Group had failed to check the official data before sending out the debt collection notice nearly XXXX  years later. My initial reaction was that this was a scam which would have triggered much unnecessary conflict. However, it now appears to have been simple negligence that has cost me substantial time to dig up the historical documentation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account is too old to be reported on my credit reports. ACCOUNT SHOULD BE REMOVED 3 YEARS FROM THE DATE OF THE LAST TRANSACTION per the FCRA and the debt collection statutes in the state of XXXX the debt should be removed 3 years from date of last payment which is XX/XX/XXXX. The longest amount of time allowed for a lender to display an old account is 6 years from the date of the last payment and that is for mortgages only, but even using that date this item should have been removed in XXXX XXXX XXXX. I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct COMENITYBANK XXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$11000.00} - XXXX XXXX  XXXX BALANCED {$5700.00}
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to 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, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX IN Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BIYING Inc (FL)

After requesting the release of my account so I could make a withdrawal, Pionex.US refused to recognize my identity and required me to identify myself REPEATEDLY over the course of two months, several times, causing massive issues with payment of my rent, bills, and other obligations and resulting in me suffering an eviction from my apartment and two storage units, and further resulting in my inability to even rent a room. Subsequent damage is reparable only over long periods of credit rehabilitation. 

I made over 12 videos of myself holding my state issued identification card, with a dated piece of paper, verbally requiring Pionex.US to unlock my account, and each was rejected for some insignificant or completely false reason why too blurry, too far away, bad color, and a plethora of other garbage reasons to prevent my access to my account they KNEW I was making a significant withdrawal, and did not want that to happen for whatever treason. Each customer service representative seemed to collude to to the same end... make sure I was not able to access my account on any level whatsoever. I interacted with XXXX, XXXX, and manager XXXX, and on various social media outlets including XXXX, XXXX, and directly interacting with their support desk. They do not and never offered any form of verbal method of contact ( no telephone number whatsoever ). I also contacted executive management via email, and they ignored my emails. I am STILL unable to access my account to withdraw any of my money.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (GA)

I have reached out to Sterling ( XXXX XXXX XXXX  ) in regards to my criminal record being inaccurate. The Identity Fraud charge is being dismissed per my attorney, when I attended court back on XX/XX/year> at XXXX XXXX XXXX XXXX. I will also attach the letter for proof in regards to this. The Identity Fraud charge should be taken off or at minimum updated to reflect the dismissal.
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

When I originally contacted Navient regarding school misconduct I received a response stating that I was a candidate to receive a misconduct discharge application- which I did receive from them. I completed & submitted the misconduct application and approximately 30 days later received a blanket/vague letter stating after " carefully considering a variety of factors '' they determined I did not meet the criteria - period. No explanation of how they got to that conclusion, if I needed to provide additional information, etc. I then reached out to their customer service department requesting an explanation - in writing - and I received another vague response telling me I had to call a number and leave a message.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paramount Recovery Systems, L.P. (AL)

This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CO)

I believe the account is invalid. Barclays Bank Delaware needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. Barclays # XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

On XX/XX/2024, I received a call from XXXX XXXX stating that I had an outstanding balance with XXXX XXXX XXXX XXXX. I explained to them that I have been unemployed for the past year with no income and that I was behind in all my bills and that I was working with XXXX XXXX XXXX XXXX to get financial assistance and that it took them 5 months to get me paperwork after me calling over 5 times. I was emailed the application on XX/XX/2024. I was told that it would take 90 days or longer to process. But in less than a month I started getting letters and calls stated that bills was turned over to the collection agency for payment. I explained my concern to XXXX XXXX, but I was told that they do not have anything to do with that. I asked could they help me get a job so that I can pay them because I was {$80000.00} in debt from being unemployed for over a year. I was told by XXXX XXXX that they will note the account. On XX/XX/2024, I received a letter from XXXX XXXX stating that I needed to call or write them by XXXX XXXX or they will put the bill on my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Im writing because of a dispute I sent to chex systems on XX/XX/XXXX in regards to an account with XXXX XXXX XXXXXXXX they are reporting and they did an investigation and claim the Financial institution verified the account. In my dispute i asked them to provide me with whatever documents that they received or phone number and name of person they spoke to to verify this account. I also needed the documents like any documentation that could verify that the " suspected fraudulant activity '' was done by me which Chex systems have not provided.This is a horrible claim to put on my profile. they are violating my consumer right and because of their inaccurate reporting im unable to open a bank account that is not right and I demand they delete this misleading false information. I have attached the letters that was sent out tot chex system for my dispute please see attachments section.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

I am filing a complaint against Wise ( XXXX XXXX XXXX XXXX I have an closed account from XXXX XX/XX/year>, their team is already decided my account has been closed and will make refund on XXXX XX/XX/year>. 

Before my account was closed, I still had about XXXX eur and XXXX usd. Wise refunded me XXXX USD ( converted to XXXX eur ) but that was not enough. They said they wouldn't refund me the XXXX eur. I received money from my customers who bought my XXXX, the transaction process was completed, I issued XXXX to those customers. Wise refunded money to the buyer and without consulting me caused me to lose money, which is a very serious matter for a financial institution. 

I requested a USD and EUR account statement, Wise sent me that statement, the statement shows that my XXXX eur amount is still in my remaining balance but Wise said it will not pay to me from. 

Based on the above evidence, I suspect Wise is defrauding.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I had a bank account with Wells Fargo since 2017, basically my account was overdraft and I was inform by a banker that I can have up to 90 days late before they will take action on my account, I always have moments where the account gets overdraft for long periods of time due to my self employed income, only 60 days went by and they closed my account WITHOUT any warning. after speaking to the enterprise people and going through the complaint process they were able to determine that Wells Fargo was at fault, for doing things in a deceptive and misleading manner, I was promise a balance forgiveness due to the negligent action taken on my account, the balance was never forgiven, nothing has happen. all they do is start the complain and then don't do anything about it, something needs to be done. I have done over 5 complaints already.
Consumer complaint received 2023-05-04
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I went XXXX for a vehicle they said they would run my credit an it will be a soft inquiries and wont affect my credit score. But when I checked my credit score it was hit with XXXX hard inquiries. I asked why they said it will eventually go away
Consumer complaint received 2024-05-10
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. (PA)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX