davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (MO)

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX )
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (NJ)

On or about XX/XX/XXXX, I requested that the third party debt collector supply the needed documents to validate this debt of {$530.00} for rental of a storage unit. I received a Notice of Lien Sale dated XX/XX/XXXX and on this document there was a write sales date of XX/XX/XXXX. I did not receive the actual notice of sales with the amount that the storage unit was sold for on XX/XX/XXXX. 
The third part debt collector also supply a detail list of charges totaling {$530.00}, this issue with this list of charges is if the storage unit was sold on XX/XX/XXXX why was I charge for storage for XX/XX/XXXX and XX/XX/XXXX. I was change for two month worth of rent for the storage unit after the stated sale date of XX/XX/XXXX. 
The other issue with this list of charges is that the actual amount of the sale is not mention, this amount should have been deducted from the total owed, per Pennsylvania law.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of XXXX, I experienced the unexpected occurrence of missed payments with XXXX XXXX XXXX, despite maintaining an unblemished record of timely payments over the course of five years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these two payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.
Consumer complaint received 2023-12-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc. (SD)

I have tried to make payments with credit collections bureau, multiple times, all of which they refuse. 

They are refusing to accept payment on my debt without data mining, and gaining Ites of personal information. I am trying to set up a payment plan of {$100.00} a week, to dissolve the debt. But they are unwilling to take any form of payment without gathering, a lot of personal information.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

I had to use different option. 

But the issue here is not sue of the card. 

The issue is the actual Citibank website that arrives XXXX XXXX credit card. 

Citibank already knows the issues of its website and login and etc but refuses to fix it. 

I cant use any proper site to log in without changing the password so many times. 

Citibank is a XXXX XXXXXXXX dollar bank but running its website like its from a 3rd world country. 

I have seen better sites in XXXX world countries. 

A XXXX XXXXXXXX dollar bank cant seem to fix its log in issues at all and keeps telling customers excuses.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC (TX)

Hello so I am at work XXXX XXXX XXXX XXXX XXXX XXXXnd a call comes into XXXX XXXX XXXX XXXX XXXX XXXX. They say their introduction that the call is being monitored then ask are they speaking to me and asked me to verify the last XXXX of my social then proceed to say they are calling about a debt that I owe. I proceed to inform the representative who stated his name is XXXX XXXX, that I am at work and that they are calling my job and not even XXXX but a call queue that is used for actual customers who need help and I have never provided my work job for those purposes and never gave permission for anyone to call my job especially when they have my personal number.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I did reach out to XXXX XXXX for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX of XXXX ; they denied the request.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MI)

To Whom This May Concern, SOUTHWEST CREDIT SYS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( SOUTHWEST CREDIT SYS ) communicating with me through email/text/calls. I would also like to request the purchase agreement between SOUTHWEST CREDIT SYS and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I send money on XXXX XXXX from my XXXX card to a XXXX XXXX  account in XXXX, on that day the money got deducted from my account but still now it's been 4days the money haven't reached to the XXXX Account yet.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (NY)

It keep refreshing on my credit every month as a new car loan when its been closed for over a year and some. The address on the loan is inaccurate I have t lived at that address since I was XXXX. The XXXX XXXX XXXX, XXXX XXXX XXXX is the wrong address. The place it says I got the car from is incorrect and its not in my possession anymore but they keep refreshing it on my credit as if its a brand new loan which is blocking me from building my credit up. Wells Fargo is breaking 15 U.S. Code 6802
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Portfolio Services, LLC (CA)

I settled a debt in collection with XXXX XXXX for my XXXX account that were collecting on behalf of Orion aportfolio Services, LLC.. They are still reporting that I owe a balance. I made 2 payments of XXXX on a XX/XX/24 and XX/XX/24. I've made multiple complaints through the credit bureaus saying this account was settled but they have disputed my claims. I have emails showing that payment plan we agreed upon and refused to remove it off my credit reports.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

Did not know money was owed to XXXX XXXX XXXX XXXX in the amount of {$180.00} for a policy that had been cancelled in the state of XXXX XXXX. I was unaware of any payment due until I started receiving multiple phones calls throughout the day for months from a debt collector known as CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX who did not identify themselves as a collection company and to whom it was collecting on.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-16
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: Self Financial Inc. (OH)

I see accounts that are in violation of my consumer rights according to law FCRA 6055b it is illegal to furnish anything on my credit profile without my permission XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I filled this consumer complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of 2 personal credit card accounts opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and the other personal card account opened aXXXX XXXX XXXX XXXX  on XXXX XXXX under account number XXXX, and XXXX personal loan account opened at XXXX on XX/XX/XXXX under account number XXXX and the other personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX These accounts along with the collection account listed appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collection are the result of identity theft and fraud.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo removed three deposits from my account on XX/XX/XXXX. 

Wells Fargo first claimed that THEY returned the money to XXXX XXXX. 
That never happened. 
Then Wells Fargo said they dont know what happened to the money. 
They claim that they can not trace the money. 
Now they say they have no idea who moved the money or what happened to it. 
This has gone on for over a month. I have put in several claims only to be rejected each time. 

Copy of my Wells Fargo account XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$490.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

On XX/XX/XXXX, a friend of our family purchased two {$300.00} Vanilla gift cards from a XXXX XXXX XXXX XXXX XXXX He gifted those cards to my parents. They were able to activate one card online, and the other was giving them errors. I contacted Vanilla/Incomm customer service on XX/XX/XXXX to start the investigation into why the card was not working. I was told someone else had already contacted customer service to report this card missing, and they were having a new card sent to them. 
On XX/XX/XXXX, I sent Vanilla/Incomm every piece of information they had asked for, including the receipt for the purchase of the card. I waited several weeks and heard nothing from them. I called again on XX/XX/XXXX, and was told the investigation would now take up to 90 days. I received no communication from them at any time. 
I called again on XX/XX/XXXX, and I was told the investigation was closed and I was being denied because they could not recover the funds that had been spent, and therefore I was due no refund. I questioned how them not being able to retrieve funds caused me to be out my {$300.00}, and the representatives were not able to provide me with an answer. I also asked how is it that I was able to provide everything they asked for, and yet, I am not due a replacement for my card, while someone else who did not have the proof of purchase was able to call in and get a replacement sent to them? Again, no answer was able to be provided to me. 
I would like to know what the investigation actually looked at, and what was found. I was not asked for any further information to assist in the investigation. I followed every step I was given and I was not given any communication or help from Vanilla or Incomm. When I asked to reopen the investigation I was told I could only do so via an email to XXXX. I have sent emails on XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/XXXX. I also emailed XXXX  ( a contact I found online ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have received no replies. Calls to customer service only direct me to send another email and wait " a few more days. '' I would like my {$300.00} back from this company
Consumer complaint received 2023-11-03
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (AL)

This company has called me in XXXX week almost XXXX times. They call from different numbers using area codes that are in close proximity to the area code of the number being called. I asked a representative on XX/XX/year> to please remove the number from the call list. On XX/XX/year> a representative name XXXX XXXX called the number saying that he had been working with me for several months. I was unaware of communication with XXXX XXXX who was calling from the same company in which I received a called from the day prior. Its almost they try to use mind games. I dont know if this is a scam due to the several numbers they have called from.
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (KY)

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Consumer complaint received 2024-05-20
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. (CA)

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 : XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2023-10-28
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: Experian Information Solutions Inc. (TX)

I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this was a mistake as you can see from me elite payment history. I have a perfect record of paying on time and I was like to continue and remain an active consumer with XXXX  XXXX XXXX and would be happy to do so once this matter is cleared up. I need this erroneous late payment corrected and updated to paid as agreed immediately