davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (LA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-11-26
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

Hello, On Dispute Number : XXXX I had an American Express Agent call me and discuss the details on the phone. The first thing they said was " This is a recorded line '' and we continued our conversation. During that conversation the Agent said ( paraphrasing but listen to the recoding ), that the signatures do not match up.

They continued to deny me my refund because the merchant provided signatures for my disputes, but on the call the Agent admitted that none of the signatures matched up. So i supplied additional materials of the invoice they gave me with NO SIGNATURE at all just my typed name, and a letter of testimony from a witness and phone number to call to verify what happened. The recorded testimony admits ( they recorded the call ) that the signatures do not match up at all. They proceeded to ask for additional documentation which I provided. But at the end of the day they sent a letter back saying the merchant provided signatures and that is good enough. That is amazing to me after what the American Express Agent said on the recording. 

We are going to small claims court to resolve this at this point unless American Express decides to listen to the recording, look at the evidence I provided. The date is set for XX/XX/XXXX in XXXX XXXX. I really hope that whatever agent is looking at this listens to the call and realizes that nothing is adding up. They ask for additional materials which I then provided to them. This is getting redicilous that the XXXX not only is getting money from Me/Amex but also the Insurance, and I had to have the sugery RE-DONE in XXXX because they XXXX it and will XXXX XXXX XXXX XXXX XXXX properly ever again. 

This is insanity and I hope we can come to a resolution before I got to Small Claims Court to plead my case with my 20+ documents of evidence that proves this is fraud. All I get back it a letter saying the merchant shows signatures on the receipts. Even when they don't match up and are charged at random times. 

I can't stress this enough, they took my items when I want into the XXXX, then used my card when I was in the XXXX XXXX XXXX  and forged my signature. 

Thanks, XXXX
Consumer complaint received 2023-11-26
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I disputed an entry on my credit report with XXXX XXXX XXXX and uploaded XXXX pages of documentation detailing a seven month effort to validate this entry.

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with XXXX and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to XXXX, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and XXXX is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for XXXX to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on XXXX 's part as well.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: V and H Portfolio (MI)

Vance and Huffman showed up on my credit XX/XX/2022 for two separate accounts. XXXXXXXX XXXX and one for XXXX XXXX Says its like a finance company. When I tried to call and find out what it was the number was a credit repair company. I never did get to the bottom of it. Before I knew it the guy tried to set payment to automatically be paid and I had only talked to him for 5 minutes. Promised to have things removed. Maybe they are the ones who added the company to my credit report somehow? Someone also started XXXX XXXX XXXXXXXX XXXX and never made one payment also they got a phone from XXXX XXXX XXXX no payment ever made. I have disputed them several times on XXXX XXXX and they say information is correct. How can I prove its not the information Im disputing. Im disputing that it was not the correct person!!! How come it was so easy for them to get things with my information and I cant smh
Consumer complaint received 2023-05-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

I have had my credit karma account for more years then I can remember. XX/XX/XXXX I created a savings account through them who are backed by XXXXXXXX XXXX I transferred my tax return ( {$5000.00} ) from my checking account at XXXX XXXX XXXX XXXX to my new credit Karma savings account. As soon as my money hit the savings account they have locked my account. I have spent over the last 2.5 weeks calling, emailing, chatting with costumer service, etc. to figure out why my account was locked and to have access to my money. No one can tell me why it was locked and they keep giving me the run around that someone from higher up will contact me. I needed this money weeks ago. I am about to be evicted and can't pay my bills!! I even emailed and spoke to an employee at XXXX XXXX  and still have no access to my funds. I told credit Karma to just close my account and send funds back to my bank, just to be told they can not due to it being locked. I am having financial struggles and I am lost on what to do at this point. Not to mention a single mom trying to make ends meet. PLEASE HELP ME I AM DESPERATE!!
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

Columbia Debt Recovery LLC doing business as Genesis placed an item on my credit claiming that I owe {$1200.00} for a unresolved debt with a property called XXXX XXXX. The apartment was not in my name but in the name of XXXX XXXX XXXX who I happened to be dating at the time. She received a bill solely addressed to her. The lease was in her name but ended up on my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Recently I saw late payments on my credit report from your company that I do not recognize. 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.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

This afternoon, I tried to use my discover card at XXXX but it was declined. Soon after, i checked my account and was charged twice ( {$60.00} each time ) for the declined transaction. After speaking to with discover customer service, they informed me that discover cards currently could not be used in chip reader or swipe readers in stores *anywhere. * On the call, they said both transactions would be removed from my card. While i am happy that the charges will be removed, i should have been notified by the company about the issue. Since they were aware that their cards were not able to be used in stores, consumers should have been notified when they became aware of the problem.
Consumer complaint received 2024-03-16
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. (MA)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-19
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: SECURITY FINANCE CORP (OK)

Security finance # 9 keep pulling my credit report without my permission 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 

. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was wondering why in the world is XXXX XXXX accessing my credit through soft inquiries. They have access my report XXXX times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.
Consumer complaint received 2023-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I filed bankruptcy in 2010. I kept my home, but home equity loan was excused. Wells Fargo made me pay it, as I thought I still owed it. I was forced to retire & could no longer afford all my expenses.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or VW CREDIT INC customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I.C. Systems, Inc. sent a letter indicating a debt for {$560.00} for " XXXX XXXX '' as of XX/XX/2023. 
This is not my debt, I have never ordered from or used the service of XXXX XXXX. 
XXXX months ago I found out my " social security number was discovered on the dark web. '' In XX/XX/2023 I locked my credit ratings info with XXXX, XXXX, and XXXX. I believe someone used my info to incur this debt.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Mailed letters on XX/XX/year>2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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.