davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
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. (NY)

I sent my first letter asking all three credit to reinvestigate accounts that was false on my credit report that was not approves/authorize, credit bureaus sent back my account was verified, so I sent another letter asking can they provide me with answered on how my account was verified and never received info back because I dont know what they fixed when I look at my account everything still messed up. Credit bureaus was suppose to get back to me In 15 days and they did not. I asked them to Delete this account from credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Technology Federal Credit Union (MI)

I received an alert to my credit that there we new inquiries. I have not heard of or used the banks that requested the credit inquiry. The Banks Are First Tech Federal Credit Union and XXXX XXXX I am working to correct these errors, but they are fraudulent activity.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

Contacted Allied Collection Services to settle debt for a specified amount. Also asked collector to mail all information pertaining to the debt that is wanting to be collected. I was told I would be receiving a response about the settlement in a few weeks. I waited a few months and haven't heard anything back. I then contacted the collection agency again to try to settle the debt and see why I haven't received any information pertaining to the debt. I was given the run around and still haven't came to an agreement to settle or received information about the debt.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My wallet was stolen and inside my wallet was a few person items like my ID my social security card my debit cards and a few other things. I reported this to Chase bank and my claim was denied the next day. With no reasoning as to why. Since I forget everything I wrote down my new debit card pin which was inside my wallet. I just had a baby 3 weeks ago I cant afford to have money go missing. Chase isnt any help at all
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-07-19
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)

Your reporting agency is willing-fully reporting inaccurate information, that has resulted in life altering outcomes. After reporting fraud and filing disputes without resolution and sending cease and desist letters I am still life with a report fully loaded with inaccurate information. Attached is an FTC report and my ID the address on my ID was a mailing address only I have attached a billing statement with my correct address.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (MT)

On XX/XX/XXXX at XXXX PM, I received an email from XXXX XXXX stating that " a collection account could be impacting your XXXX XXXX. '' I logged into XXXX XXXX and found that Credit Control LLC had reported a debt collection on my credit report for {$790.00}. I logged into XXXX and created a XXXX XXXX on my credit report as well as disputed this claim. I also emailed Credit Control LLC and signed up for XXXX XXXX. I had XXXX breaches on existing accounts in the last year ( loandepot.com and through XXXX 's XXXX XXXX XXXX ). These came with a notification letter and free access to credit monitoring. On XX/XX/XXXX at XXXX AM, I called Credit Control LLC to find out more information. They referred me to XXXX XXXX XXXX XXXX number XXXX and reference number XXXX for investigation. At XXXX AM, I called XXXX XXXX ( a utility company ) and was forwarded to their credit department. I discussed my situation and history. I also stated that I have no property or rentals in XXXX  and have lived for over XXXX  years in my current residence in XXXXXXXX XXXX  She said the there is a possibility that someone used my social security number to open up a utility account. Additionally, she told me to file with the XXXX  and a local police report and to send them to XXXX. She also relayed the additional details of the claim : - Account information : XXXX - Balance : {$790.00} - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Opened : XXXX XXXX, XXXX - Closed : XXXX XXXX, XXXX - Address confirmation : I uploaded a detailed list of all my conversations and emails associated to this.
Consumer complaint received 2024-01-11
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-01-31
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. (PA)

I sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, Equifax and XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-28
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)

In early XXXX of this year, 2024, I noticed numerous inquires in my account that were hard. I did both authorize or verify these companies. I was completely unaware of the actions of the companies running my credit. Below I will attach an FTC report in which states all the companies that had unauthorized inquiries on my account.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis debt collection sent me a letter stating I owed a debt. I explained to them I called an emailed the original debtor and resolved this matter. They then ( Genesis ) sent me a validation letter. I showed and explained to them clearly it was an accounting error which you can see on their invoice. Genesis then took the inaccurate information and had it post to my credit report.
Consumer complaint received 2023-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (NJ)

- Account opened XX/XX/XXXX - Spoke with Ally Bank Agent XX/XX/XXXX ; Agent indicated money would be avaliable for withdrawal the following day XX/XX/XXXX. 
- Made purchaseon XX/XX/XXXX requiring wiring of funds by XX/XX/XXXX ; Purchase made based on Ally Bank representative statement. 
- Spoke with Ally Agent XX/XX/XXXX requesting withdrawal of funds, and was denied request. 
- Due to bank 's failure to provide accurate information and withdrawl funds on XX/XX/XXXX, I was charged a {$400.00} fee for failure to provide funds on XX/XX/XXXX. 


Bank reference number for call : XXXX
Consumer complaint received 2024-05-23
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: Resurgent Capital Services L.P. (MI)

This collection company claims that I owe a fraudulent debt that they purchased from the original creditor. This debt was already charged off as a bad debt, yet I have not received a 1099c for the cancellation of the debt from the original creditor. I reported this debt as fraud and have attached the FTC identify theft affidavit and the police report as well. I am asking for the third time for this fraudulent debt to be removed immediately. The collection company never notified me of them taking over this fraudulent account. Otherwise, I would have provided them with proof of the fraud that has occurred with the handling of this account. I reported the fraud to the original creditor as well. Please remove this XXXX, fraudulent, unverified, defamatory, misleading, credit hurting account immediately. You are on notice and i expect that this account be removed deleted or whatever the XXXX needs to happen to get this XXXX off of my XXXX  credit report. You XXXX XXXX XXXX need to stop playing with me before I take this matter to litigation for the repeated harassment that is being directed towards me because Im a minority. If I was some XXXX  XXXX this XXXX woulda been removed let alone sold to a unknown third party without acknowledgment or consent. Yall better stop with the XXXX. Where the XXXX is the signed agreement with my signature. I bet there isnt one.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MA)

with reference to complaint no XXXX, i have made a complaint on comenity capital bank regarding the wrong debt that was collected from me. The company responded on XX/XX/2023 saying that the applied monetary relief of {$190.00} against my account number. But this statement is wrong. I had to pay an amount of {$240.00} approximately to clear the balance as it is hurting my credit score. I made the balance XXXX  by paying my own money and also requested the bank to close the account. I was informed couple of times that the account was closed. I am not sure how Comenity can apply a relief to a closed account? I think the bank is not committed to resolve the issue and making false statements. I would want them to send me a check for {$240.00} i paid and also offer me a compensation of {$5000.00} for all the trauma they have caused for wrongly effecting my credit score for about XXXX months now and making false statements on applying credit to a closed account.
Consumer complaint received 2024-01-11
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (CA)

The CBE group is a debt collector for charter communications, and is using intimidation, harassment, and bullying to force a payment on an account that is too old. Specifically, what they do is to remove and repost a collection on my credit report in an attempt to usurp the fact that the impact of a nominal collection amount decreases as time passes. By doing this my credit score gets impacted multiple times, for the same thing. As soon as the score climbs back up they, remove and repost the same thing to rest the clock. So in essence harassing a person in perpetuity.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX XXXXme and my partner went into Wells Fargo to get a personal loan to combine our credit cards together. The banker was very very helpful she did her best to help but we were denied and there were no explanation to as of why. We had and still have good credit the source of income was there but they couldnt not provide a reason and this was around the time weve notice it was due to a race issue. I did have a Wells Fargo savings and credit card with them.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: AMERICAN HONDA FINANCE CORP (AZ)

I purchased the car in XX/XX/2016. at the time of purchase we agreed on my trade in plus $ XXXX.the finance guys over financed {$1500.00} in my loan. I have over looked the docs. Now when I review the original docs and notice the error. 

here is the math {$2500.00} + {$1400.00} ( payoff on my trade in ) + Dealer fee {$1000.00} = {$4900.00}. I did not purchase any additional warranty product. 

when I noticed my financing docs. it's showing I am financing over {$6400.00} I have reached out to the dealers with no repose. 

dealer 's name XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
Consumer complaint received 2023-12-20
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. (NC)

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House XXXX that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME XXXX STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore exists. 

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX  : Original creditor XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.