davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (TX)

I assume the calls are coming for a collection company overseas. When they initially contacted me it was during hours I was working and I asked them to send me something in writing and after that they continued to call me the same day after I had identified myself. I will speak with an agent and after hanging up they will flood my phone with calls after calls all day long and when I pick up there will be dead air. This is annoying and harassing because I am not avoiding them. The agents refused to hear me out I have asked them to stop calling me and even blocked their number and they contacted me from a different numbers. Today I decided to speak with someone and try this again. The guy kept talking over me wouldn't let me explain to him why I hadn't responded which was because I had moved and I hadn't gotten the letters but he kept cutting me off and started getting very agitated asking me do I intend to rectify this debt I have had long enough.. I tried to ask him what address he had but he continued to talk over me wouldn't verify the address they had on file for me. I told him I won't continue this call he is being rude and to not call my phone again or I will report him to the XXXX he said go right ahead and I ended the call. Because I realize that I possibly do owe this debt I called the company back and got someone else who also became with defensive and talked over me. I asked her to email me the bill and within 1 hour got another call from the company and it was just dead air. I feel like they can't understand me when I am talking, that maybe they have been trained to be aggressive. I don't want to deal or give money to anyone that treats me that way I would rather deal with the hospital. At the time I went I was in a financial crisis but situations are better now.
Consumer complaint received 2024-04-09
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. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-09-13
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

To Whom it May Concern : I am writing to dispute a fraudulent charge on my Discover account in the amount of ~ {$500.00}. I opened the account in early XXXX and shortly after fraudulent charges began to appear. I was unaware of the fraudulent charges until today, XX/XX/XXXX. I am a victim of identity theft, and I did not make these charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act 's amendments to the Truth in Lending Act, 15 U.S.C section 1666-1666b, 12 C.F.R section 226.13. See also 12 C.F.R section 226.12 ( b  ). Thank you for your assistance.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

We received a call from Grant Mercantile Agency Inc., a collection agency on Friday XXXX XXXX stating that I owe them {$750.00} for the XXXX  bill that was due from XXXX XXXX XXXX XXXX. During the call we mentioned that our Insurance company took care of the bill and we received a confirmation letter from Grant Mercantile Agency stating that the account has been paid in full.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I tried several time get answer for TransUnion dont get help this company still reporting accounts violet my right under fcra 15 usc 1681 ( 2 ) ( a ) ( I ) state transactions and experience between consumer and the person making report are not included in consumer report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank account is never late please update account ) XXXX XXXX XXXXXXXX account is reported incorrectly because is never late please update ( XXXX ) XXXX XXXX XXXX is opened fraudulent XXXX XXXX XXXX account is opened fraudulent
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: Experian Information Solutions Inc. (TX)

You are reporting inaccurate information for account XXXX. The collection agency XXXX AUTOMATED COL has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/year>. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AR)

I had a collection item placed on my consumer credit report that has caused a significant drop in my credit score. The third-party collector is Enhanced Recovery Company , LLC. Their address is XXXX XXXX XXXX, XXXX, FL XXXX. They are alleging a debt of {$140.00} to XXXX XXXX. I have no knowledge of this debt. I also have not received any correspondence from this collector in regard to this debt. I should be allowed at least 30 days to respond to a debt before it is assumed to be valid. I have not had the opportunity to acknowledge or deny this debt and for that reason, I am requesting immediate removal of this item from my consumer credit report. 

There is a footnote on this collection item that I was recently impacted by a natural or declared disaster. I am not sure how that impacts this collection item, but that seems like it would be a reason to extend leniency instead of skipping steps and depriving a consumer of their rights under the FCRA. Thank you for your consideration.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I contacted Experian regarding their listing of incorrect Dates of Last Payment for XXXX accounts listed on my credit report ( XXXX XXXX XXXX # XXXX and # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the Experian date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the Statue of Limitation and collectability. Experian is currently reporting inaccurate and incorrect information regarding these accounts which are severely damaging my credit and preventing me from obtaining an auto loan and a credit card.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt,
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one has stolen XXXX dollars from me. I deposited a legitimate check via mobile app my mobile limit was XXXX check was XXXX the immediately flagged it as fraud closed my accounts and are not returning money. Check was a legitimate payment from the sale of a property. My partner cut me the check from bank account and capital one said they called paying bank to verify check and check is fraudulent. Mean while the paying bank my partner called them and they have no record of capital one contacting nor did my partner receive a call to verify check as capital one has stated, this bank is full of crooks and a liars. They made no attempt to verify check just stole my money and lied about. My mobile app says check is cleared and funds available but they have locked and stolen it. Only fraudulent activity is with capital one, the are holding my funds which is every dime i have and terrorizing my families life. I cant pay my bills or feed my family.
Consumer complaint received 2023-04-20
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. (DE)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-04-09
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX || DATE OF INQUIRY : XX/XX/XXXX
Consumer complaint received 2023-08-30
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

My account on Coinbase randomly went under review. I then submitted all the required information ( ID, ADDRESS, PERSONAL INFO, ETC ) to get it verified. 

I submitted this information approximately XX/XX/2024. 

Coinbase Support said my account will be back to normal after XXXX hours. Now ( XX/XX/2024 ) it has been over XXXX weeks and my money is being held hostage ( approximately {$3400.00} )
Consumer complaint received 2023-08-30
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-04-09
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. (GA)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Again, Equifax is screwing around. It definitely seems like I am being targeted for either filing previous complaints or my minority status. On XX/XX/XXXX my score was XXXX. Equifax knocked it down to XXXX the only change being a charge of {$250.00} on XXXX. XXXX points just on that change. They corrected on XXXX. Now again they dropped XXXX points just on a charge of XXXX on my XXXX. This is totally ridiculous and seems pretty obvious I'm being targeted for some reason. The other reporting agencies are not doing this. This is about the 4th or 5th complaint I have filed to Equifax. I have never been late on any payments, and have 29 % usage on all my cards combined and income of XXXX. I demand that this get corrected immediately and have someone in management reach out to me to explain to me why this keeps happening and how they plan to correct this moving forward. When you call customer service the reps are clueless. I am very close in filing a lawsuit for discrimination and the hardship that this creates when they keep playing around with my score. I'm sure if I take legal action it will become a class action suit. I'm sure they are screwing a lot of individuals.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

I opened a Wells Fargo secured credit card on XX/XX/2016 with a {$300.00} payment from my checking account. 

The credit card was open for 6 days before I got a notice in the mail and a check for {$300.00} from Wells Fargo notifying me that I had closed the credit card account. I was never notified that the account was being closed, and I didn't authorize Wells Fargo to close the account. 

I contacted the original banker and the bank immediately, and have filed numerous complaints with them over the years. Each time, they take the information, send it to the 'executive branch ' with a claim number, and I never get the issue resolved. 

Once again, today, I contacted the number listed as my 'creditor, ' on my credit report for Wells Fargo XXXX Their credit department has no record of this credit card, nor did the customer advocate I spoke with. 

It is listed as 'customer closed account, ' in my credit reports, with the initial 8 numbers followed by XXXX of the account. My credit report also has the date it was opened and closed, and lists Wells Fargo as the creditor. I have also disputed this through XXXX and XXXX today. I have records of the {$300.00} being taken by the bank XX/XX/2016 and the check deposited back into my account a couple of months later as well.