davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (SC)

I'm trying to buy a house and they keep showing up on my credit report. I ask about them sending me the proper paper work or mail me the original contract, and I've gotten nothing. The name of the company is IQ Data International. For over a year ever month they continued to add XXXX dollars ever month until I put a freeze on my account. If they don't have the original contract in which they fail to provide, I want them to be removed from my credit report. They are on my XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

In XXXX I had a legal name change. Experian has not removed my old name from all documents and the result is that I periodically have no credit score for months at a time. I have reached out to experience support numerous times since changing my name legally on XX/XX/XXXX. At first, employees encouraged me to wait longer. But after about one year I finally reached someone who forwarded me to a web portal where I should have been able to submit the official documents. However, this web portal was and is broken. I then was directed by an Experian employee to fax my legal name change documents to a given number on XX/XX/XXXX, which I did. I've heard nothing back about these documents and do not know their whereabouts. I have read that submitting a report to this bureau is the only solution short of involving an attorney which motivates Experian to resolve this type of issue.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (IL)

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 document so I may review to see if this is actually an account that belongs to me.

If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

For years I was enrolled in some " debt protection '' program that was costing me close to $ XXXX. It shows up under my transactions as " XXXX ''. The Best Buy representatives told me this was apparently optional yet I was never given any option to sign up for it or cancel it. This is a scummy move on their part and a big reason why I can't ever get my balance any lower as even paying over the minimum due my balance never gets any lower due to that charge on top of their extremely high interest rates. So far today after calling them ( XX/XX/year> ) they've apparently " canceled '' any future charges for that charge and are supposed to be letting me know if they'll give me that money back ( I'll be shocked if they actually do ).
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

This is XXXX XXXX XXXX. I cancelled in XX/XX/year> and my account that paid my bill was closed by XXXX XXXX on XXXX XXXX, XXXX. Then in XXXX they continued sending me statements of amounts owed when I did not have any service at that time. Then began weekly everyday harassment by XXXX  XXXX at XXXX every morning. Then the letters with varied amounts owed proved by showing how they had fraudulently attemped to take monies out of my account but because my account was closed in XX/XX/year> they were met with not luck. I had attempted for XXXX days on XX/XX/year> attempting to clear this up but to no avail. They stated they sent me a e-mail which I did not receive because the address had to be done in lower case or it would come to me, of which in stating that they sent that to me shows they knew I had cancelled my services on XX/XX/year>. I spent XXXX hours a day for XXXX days and all I could gain from the team they provided that did not speak very good XXXX that they were after something I do not know if it was identity theft in that they acted fraudluently by attempting to gain monies from my account. This harrassment has been for XXXX to XXXX years. Now they have turned it to collections and I feel I have enough proof to get a court judgement against them. So please let me know what can be done.
Consumer complaint received 2024-06-28
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: SANTANDER HOLDINGS USA, INC. (LA)

First I contacted Satander consumer USA about false information that was giving to me when purchasing my car and how they fraudulently got over on me with my contract with them financing the car and how they have falsely reported different information to all XXXX credit bureaus XXXX, XXXX, and XXXX how they are violating the law and a numerous of ways by always providing them all the code laws they were violating at this point all they did was put my car as a charge off on my credit report with a remaining balance when is still false information cause I shouldn't and don't owe anything however after sending them complaint letters demand letters and an affidavit they told me they will respond but however they never sent me back a response letter in the time frame of which the law gives 30 days. Secondly I goes to XXXX, XXXX, and XXXX and submitted a claim through them as well they obviously didn't go through an investigation as they should have they would have seen what I stated what factual and they know its law to correct and delete any report that is not accurate letting them know they violated a numerous of laws pertaining to my credit report nothing was done the credit bureaus violated multiple laws 15 USC1681i,15USC 1681s-2 , 15USC1681i ( 5 ) 15Usc 1681e ( b ) if documents are needed I can fax documents over just please send me an email with the fax number or another way I can send documents over
Consumer complaint received 2023-03-22
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. (OH)

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX. XXXX Unpaid Balance {$0.00} 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 I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carma Enterprises Inc (NC)

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around XXXX XXXX late which never happened. This was sent to me on File Number XXXX of XXXX Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-17
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. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (CA)

I received a call from Wells Fargo bank on XX/XX/24 stating if I opened up a credit card with them. I said no, they said because they suspected fraud and someone opened up a credit card of {$5600.00} and they tried to purchase furniture with it but they blocked it. I told them no i did not try to open up any account with them. Wells Fargo cancelled the account and reported to you guys so the inquiry can get removed off my credit report as it is showing under my XXXX credit report. I checked my XXXX credit report and show another inquiry from XXXX and i searched them up and its a bank in Delaware. I called the bank and they said they dont have anything with my information but it is showing on my XXXX credit report as it being reported on XX/XX/24. I put a freeze on my credit union account already but i would like to get the wells Fargo bank and XXXX XXXX removed from my credit report as it has affected my XXXX XXXX. I called bank of wells fargo on XX/XX/24 to confirm that my account is closed and they said yes.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

In XXXXXXXX XXXX XXXX I asked for Wells Fargo to stop all automatic payments on my account because I was out of a job and the funds that were in there was needed. Wells Fargo stated that stopped the payments and never did. I asked multiple times and they stated it had been stopped. My account is not closed and they stated that it wasnt my fault and sent me a cashier check. They informed me I could open up another account but my information is in XXXX XXXX. Now I cant open any bank. I am very upset with Wells Fargo about this situation
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-10
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: ACIMA CREDIT, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have issues this negotiable instrument ( attached ) for payment from my trust, XXXX XXXX XXXX, to the payee : XXXX XXXX, as account held at BANK OF AMERICA FOR negotiation. 

I have included the item for negotiation below as an attachment. Please negotiate this payment via a one time electronic funds transfer the proper department.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

I have been working tirelessly on bettering my credit. I have had confirmation from debt collection agencies that some collections were falsely added to my report. I continue to get collections placed on my reports without any knowledge of them what so ever. No communication has been made, and I have not been made aware of any amounts or debt that I owe. I have not given a chance to pay anything, I do not know what they are for. Some are buying my debt from other places and saying I owe them. I have gone back and forth with the bureas they have removed the collections and confirmed that I was correct but then re instate it in my report after getting my results from them. I feel like I am getting scammed or it's fraudulent. Why am I not being notified and getting sent straight to collections. Most of them do not have my correct demographics or information. I am completely distrusted in everyone, I do not know what is happening and this is very unfair.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX EQUIFAX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2024, I made a payment to Schools First Federal Credit union to settle a credit card account that was derogatory. Prior to making the payment the institution was reporting monthly to my credit history the status of the account. When I made the payment, the credit company had informed me that they would update my credit report to reflect the settlement as well as provide me with a letter reflecting a payment had been made. As of XX/XX/XXXX, I had not received the letter nor did my credit report reflect the settlement payment so I called and was informed by a representative that they would be updating my credit report and subsequently provided me with a letter stating that my account was settled. As of today XX/XX/2024, my credit report reflects that Schools First Credit Union stopped reporting updates to my account as of XX/XX/2024.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (MI)

Sofi Bank has decided 3 weeks ago to close my account which has over 500K in it, They stated they will send a check in the mail. 3 weeks later and my account is restricted adn nothing has happened and they keep saying it is under review.
Consumer complaint received 2024-06-04
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. (AR)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-07-02
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc. (IL)

Kickoff credit service is selling fraudulent credit reporting as a service. You pay a monthly fee and they will report that you have a certain amount of credit available but is only usable in their digital store. They back date account age and report positive payment history that never occurred. In their digital store you can buy media that includes extending the account age, longer payment history and other fraudulent statements to modify your credit report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (OK)

In accordance with the fair Credit Reporting Act, Spring Oaks Capital LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I found an " Original Creditor '' called IC Systems on my credit report saying I owe {$650.00}. I have not done business with this creditor and in the past, my addresses and some accounts have been reported to my old maiden name which never belonged to me. This might be another one of those situations. I don't see any sort of account numbers either.
Consumer complaint received 2024-07-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RentDebt Automated Collections, LLC (PA)

I previously reached out to RentDebt Automated Collections , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that RentDebt Automated Collections , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, RentDebt Automated Collections , LLC must remove all reporting of the account on my credit profile.
Consumer complaint received 2024-06-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (PA)

I reached out to the original apartment, and clarified that the debt is incorrect. 
The original ledger from apartment includes mistaken charges. 

Collection agency threatened that I must pay incorrect balance, or they wouldn't remove it. 

Collection agency illegally increasing balance of the collections during dispute process. 

Illegally adding interest or fees would be a violation of the FDCPA and could subject the debt collector to legal consequences, including fines and damages payable to the consumer. 

Section 808 Unfair practices : This section lists specific prohibitions against unfair practices by debt collectors. It includes the following : Section 808 ( 1 ) : " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The original lease does not permit for any additional charges. The property manager does not acknowledge any additional charges. 

Attorney is helping us navigate.