davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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)

XXXX XXXX has allowed my ex-husband to fraudulently report me as a person on his account. I have no access to this XXXX XXXX account and I have NEVER EVER lived at XXXX XXXX in Oklahoma, ever. It is not my account! Even though I have disputed this address as NOT being my own, XXXXXXXX XXXX as well as Experion ignore the facts and continue to let this FRAUDULENT activity with my information continue.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (MO)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave wri

tten instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of 2017 I had my card stolen, and some charges were made. When I contacted XXXX XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XXXX of 2017. 

In XXXX of 2017 I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XXXX of 2017 I contacted XXXX XXXXXXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Portfolio, Inc. (HI)

I have an amount of {$2600.00} listed from XXXX XXXX XXXX XXXX for XXXX that I never had. This is not my account and was illegally placed on my credit report for collections
Consumer complaint received 2024-04-27
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. (TX)

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 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 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

I made a payment to my Wells Fargo Active Visa Card in the amount of {$15000.00} on XX/XX/2024. They automatically placed a hold on this payment as well as others. I have submitted proof that this check cleared my XXXX XXXX XXXX. Is it XXXX  for a bank to get funds from another bank and hold it 15 days? Both banks are in the northeast- Wells and XXXX and the check clearly cleared overnight. I email proof of the check clearing multiple times. I spoke with XXXX XXXX from the XXXX XXXX XXXX XXXX and she indicated she did not know why as the system automatically places a hold on payments randomly. Again, there should be a class action lawsuit against Wells Fargo as they are clearly holding these payments and taking the cash to met Federal overnight deposit standards. 



Thank you,
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

I placed an order with XXXX and was told to pay their Paypal ID XXXX and send them a screenshot of the receipt from Paypal. I did this and sportsmansreloads emailed me saying they received the payment from Paypal and my item would be shipped out that day, I never received the item. I filed a complaint with Paypal and they told me to go through my credit card company and I did. My credit card company advised me that Paypal is the one that should refund my money but Paypal doesn't want to do it.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

My XXXX XXXX University Perkins Loans were transferred to the XXXX XXXX XXXX XXXX in XXXX of XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my XXXX credit reports from XXXX. After they were sold to the XXXX XXXX XXXX XXXX, they resubmitted these same loans as NEW debt to my Experian and XXXX credit reports. The loans went into default in XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX XXXX, my SSN # is XXXX. My XXXX XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XXXX. My student loans went into default in XXXX. My paychecks have been garnished from XXXX-present by the XXXX XXXX XXXX XXXX but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XXXX. I have not attended college since XXXX, so there are no new loans.
Consumer complaint received 2024-03-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Hi My name is XXXX XXXX XXXX. 

We were living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. During our move out in XX/XX/2022. We left the apartment upon proper notice. During move out we gave our new address to the XXXX management to get our {$500.00} depoist back. 

After few months instead of getting our security depoist check we got the notice that you have to pay the pending charges of {$1600.00} after the adjustment of {$500.00}. We tried to call them multiple times but got the answer that these are the damaged charges. 

After few months we started getting calls from the Debt Collector Genesis that you owe this amount to XXXX apartments. I disputed that amount by writing to them that please provide the details regarding the damage. They never provided anything. 

Few Days earlier my credit score got a huge impact due because debt collector reported that amount on our credit history.I called them to ask for the details, their resposne that by law they are not bound to provide the damage details. 

i can't understand what kind of charges they are asking for. Where is the move out inspection report of that time. They never provided anything. We always provided our rent. Now they are torturing us and it's very bad to see like that someone is calling us to pay the money and don't want you provide any details.
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (AZ)

On or about XX/XX/XXXX I received two collection notices from Cascade Capital Funding , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt collection agency. The two invoices were from XXXX XXXX from a hospital stay at XXXX XXXX in XXXX of XXXX. The two invoice numbers from Cascade Capital are XXXX and XXXX. Each invoice is for the same amount of money {$760.00}. XXXX XXXX never billed my insurance company XXXX XXXX and XXXX XXXX XXXX XXXX for the services. I have asked for the original bills from XXXX XXXX but Cascade and XXXX refuses to produce the originals from XXXX. I need to know what services were performed because I believe these services were under a larger {$24000.00} bill that my insurance company received from XXXX XXXX XXXX. I believe that this is a billing error on the part of XXXX XXXX. I do not owe this money as at the time they claim the servers were performed I would have reached my annual out of pocket medical maximum because I was XXXX  for a few days before the alleged services were provided. The collection agency continues to refuse to produce the original bills. I have requested this information over the phone and two emails. I will also be sending a certified letter to the collection agency requesting this information. I am sure this is a billing error but it needs to be corrected because it is now on my credit report and I do not owe this debt.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

XXXX ( and XXXX, and XXXX, same company that uses different names ) is a XXXX company running scam ads on XXXX. I have complained to XXXX and they make all kinds of promises, but the ads are still there. This company goes by multiple different names. I placed another order with XXXX  and this is how I found out it is the same company. 

Anyway, on XX/XX/XXXX I placed an order with XXXX for {$35.00}. On XX/XX/XXXX, I placed a small order for {$29.00} with XXXX. I received marketing emails trying to get me to purchase more. At the time, they operated on these websites : XXXX XXXX XXXX, which I accessed through ads found on XXXX. I never received either order I placed so I sent an email asking about my orders ( same company so one email ). They claimed I received it. I didn't. They sent a tracking number but when I checked the tracking, there was no identifying information on it proving it was my package. Then they sent me a snip of a confirmation delivery which had no identifying information, like my name or address. I called them out and said this was a bogus receipt as it did not have my information on it. They kept making promises so I called my credit card company, Citibank Mastercard. 

At first, they refunded me both transactions. Then they demanded proof, so I sent what I had. They denied my claim, even though there is no proof of delivery, so I am XXXX. I sent Citi snips from all the websites that have given this vendor a scam rating/warning, but Citi certainly isn't going to let that be a factor. I have never received anything for either order and Citi refuses to protect my fraudulent purchases, even though they promise that they do. How can they deny my claims if there is no legitimate proof of delivery?
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, Equifax, and XXXX. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX. When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

I had a previous bill with XXXX XXXX as a current customer there was some miscommunication on the bill but it was sorted out and corrected by XXXX, Credit Collection Services somehow got ahold of the bill and was not paid directly nor had any communication but they have put this collection account on my credit. The account is paid in full with XXXX and I have receipt and record of conversation directly with XXXX, Credit Collection Services in no way shape or form has had any dealings with me and it should be removed.
Consumer complaint received 2024-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Equifax have not removed this fraud off of my fraud its been on for over XXXX  years, I've reached out multiple times demanding this charge off of XXXX  years be removed. XXXX XXXX keep changing dates so it can stay on my credit. The account is fraud I never received XXXX from this company. Plus help me get this account deleted off and stay off. XXXX XXXX is also on equifax as a collect. I've etched out to this company requesting a signed agreement, I've never heard of this company or agreed to any agreements this account is fraud. I've spoken to equifax about this as well as XXXX XXXX XXXX they both are breaking the law with having this fraud on my repot. Please help,
Consumer complaint received 2024-03-08
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. (WI)

I have been having a few phone calls with the credit bureaus. They have tried to help me between disputes and getting my credit report. I am the victim of identity theft. This has been very straining. I have been working with the credit bureaus. I have no idea where to turn for help. I think it needs to be more intense than just what the credit bureaus can do. I have had a credit report security freeze in place for the last three years. For example, XXXX XXXX and Transunion reports don't match. I do not have any checking accounts at all, but under inquiries viewable only by me, it shows XXXX XXXX, but I have not had a XXXX XXXX account in more than 15 years. Whoever has that old account access and that old XXXX account may be trying to use my identity. I can provide them with all of my previous emails if requested i will work with cfpb and XXXX XXXX and XXXX and Transunion directly i will also work with XXXX XXXX
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX VA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX SC
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

To whom it may concern : I never applied for a Comenity Bank Visa Credit card. I requested in XXXX for them to provide an application with my signature to prove I have an account they just ignored my request. They did close my account but they continue to charge me finance charges. I wrote to XXXX to dispute and got an investigation result saying it has been removed from my credit report. I have recently checked again since my credit score reflects a problem. It is not removed and still states Comenity is charging me finace charges. 
Thank you, XXXX XXXX XXXX