davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (FL)

On XXXX XXXX a little after XXXX est calling my employer and asking for my personal information from my manager. My manager has talk to me and said XXXX this has to stop and its not tolerated. My manager stood next to me as I talk to whoever is constantly calling and harassing me and my manager. As this person trying to say my name and social security number I said stop right there you need to stop calling me here at my job and I can lose my job because whoever you was told several months ago and was told to your supervisor that to please stop calling me at my job. 
When they called me before several months ago and my boss told me who are those people I told my boss that I dont know plus he talked with rude language and told me that you dont have and cant do any f : :king to me and hung up on me. My boss was there and is my witness to this call few months earlier. I am afraid to lose my job because of the harassment calls. Also let me add this they called this morning asking for again XXXX around XXXX am asking for my personal information from my boss and his emails and mines.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp. (OK)

XXXX XXXX XXXX has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday
Consumer complaint received 2022-12-19
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. (TX)

i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

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 2023-04-11
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 investigate and correct for erroneous reporting in my file and are listed on my credit report. 


XXXX XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$81.00}
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. (GA)

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX. XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

Hi, I need funds $ XXXX from my Citi bank account for my closing yesterday ( XX/XX/XXXX ). The bank has locked my account for unknown reason and not releasing my funds, which is causing uncertainty and stress. Could you please help?
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION (FL)

I was playing XXXXXXXX XXXX XXXX they refused to pay XXXX Ive put a lot of money into account and they refuse to pay so I want money I put into playing since funds to be paid out they wont pay and sincoast gave me some of my disputes then decided no makes no sense
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial (KY)

Company ( Preferred Lease ) never sent out form 1099c. 
XX/XX/ written correspondence was sent to company with no response following. Violating the federal law regarding the discharging of debt. The company continues to harass me, effecting my general mode of living.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (FL)

See original Experian 's disputes with Report Number : XXXX for XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6800.00} which was deleted. Then why am I still having another XXXX XXXX XXXX  XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6300.00} on my credit report when the first XXXX credit card XXXX XXXX was deemed already fraudulent even though it's different account? It's the exact same issue which was fraudulent and Experian already deleted/blocked one of XXXX from my credit report. Moreover, regarding dispute Report Number : XXXX for XXXX XXXX XXXX XXXX for {$10000.00} which was deemed fraudulent by Experian. Hence, Experian has also blocked/deleted from my credit report. Then why is Experian NOT consistent by deleting/blocking XXXX XXXX XXXX XXXXXXXX for {$1400.00}?
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

There is an incorrect late payment on my account. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Please see the attached docs in which I provide the letter sent to PNC and proof of payment.
Consumer complaint received 2016-10-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Summit Consumer Group (NC)

XXXX Bank 's response enlightened me regarding my concern. I am fully convinced that this is a situation that involves fraud. The company that contacted stated that they would file a Civil Suit against me if I did not pay {$850.00} in full by XXXX XXXX. The company 's name is Summit Consumer Group XXXX. They would not under any circumstances allow me to pay through mail or mail me a payment schedule. They wanted me to purchase a prepaid XXXX card to make my payment over the telephone. By the end of the first and only conversation I had with the company, I was able to get a physical address. It is supposedly : XXXX XXXX XXXX XXXX XXXX. ; XXXX, CA. The telephone number I received was XXXX ; XXXX XXXX. I was informed that I could call XXXX XXXX XXXX XXXX XXXX. The following number often appeared on my caller ID : XXXX. This company called my husband and XXXX of my brothers. How were they able to find their names and numbers? In addition, I received credit reports from XXXX, and XXXX during the week of XXXX XXXX, 2016. Summit Consumer Group XXXX claimed that they would remove the bad account from my credit report if I paid them, but it is not on my credit report. Thank you Consumer Financial Protection Bureau! I appreciate your diligence in investigating this disturbing case on my behalf. I am grateful for XXXX Bank 's professional response regarding my concern.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL) (FL)

I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
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. (PA)

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 XXXX XXXX XXXX. Act Name : XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX, Act Name : XXXX XXXX, Act Name : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXXXXXX, XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Hello On XX/XX/2023 my debit card was hacked and fraudulent transactions occured at XXXX and XXXX. XXXX pre-authorizations at lowes in the amount of {$950.00} ( total {$1900.00} ) and XXXX transactions to fandual {$500.00}, {$400.00}, {$400.00}, {$200.00}, {$400.00} {$200.00} {$200.00}, {$350.00}, {$150.00} {$400.00} ( total {$3200.00} ) I have reached out to the 5/3rd bank and provided my fandual statements from XXXX to XXXX showing them I've never deposited more than {$500.00} in one day ( only deposted XXXX time {$500.00} since having the account ) and never have Ive done muiltiple transactions totaling over {$500.00} in one day. On XX/XX/2023 I saw the transactions coming out my account and I immediately called 5/3 bank to cancel my card which I had in my possession and dispute all charges. XX/XX/2023 Bank stated that the XXXX  charges wasn't completed and was just pending. XXXX XXXX fraud system worked basically and held the transactions as pending ) The XXXX was not!!! they stated the activity is consistent with the location and type of purchases i made in the past. Again I have provided my statements to 5/3 bank showing them I've never made the fandual transactions on said date and Fandual even confirmed I've never done any of those transactions.
Consumer complaint received 2023-12-13
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. (NV)

I called about refund from XXXX, and they could not provide me any information on the incoming credit, see picture attached. 

I have 2 virtual account number, which do not show up on my profile any longer so I can not see them, this is card ending in XXXX which is from card ending in XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (OH)

My name XXXX XXXX. Someone is impersonating me and stole my identity. My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I filled dispute in regard to bankruptcy reported on credit file. This company claimed that they verified through XXXX XXXX. I checked with them and they said that they did not provide that information. I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : experian You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. I look forward to your response.
Consumer complaint received 2023-12-13
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (MD)

I entered into an agreement with ClearOne Advantage ( COA ) in XXXX. Nothing they've was guaranteed or true. For 53 months I've make ALL ON TIME PAYMENTS of {$970.00}. Initially it was 48 months and without notice it changed and then that tried to change it again. On each of the 4 accounts I entered into with COA they charged incredibly large fees were added to every account. None of the accounts were settled in a timely manner as promised. And to date all of the company 's are reporting negatively to the credit bureaus, which is costing me dearly with things like purchasing a car or getting a lone, etc. I filed a complaint with CFPB in XXXX, in which COA agreed to honor their contract for all the accounts. By the way they removed the contract from their site, luckily for me I downloaded it before they did it. To add insult to injury they did not honor their agreement and the last and largest amount owed. This company has sent me to collection ( XXXX XXXX XXXX, XXXX ), in the amount of {$18000.00} they exact amount that COA agreed to pay, meaning they paid NOTHING to this company. This added to my credit scores to plummet even lower. Customer service is dishonest and misleading and of no help whatsoever. I had no idea this company was not reputable. I received the information from XXXX XXXX as a suggestion, thinking it would be reputable.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (AR)

XXXX XXXX XXXX XXXX XXXX XXXX keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for Security Credit Services on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, SECURITY CREDIT SERVICES , LLC can not sue you for it. If you do not pay the debt, SECURITY CREDIT SERVICES , LLC may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. XXXX XXXX XXXX XXXX XXXX XXXX can not sue you on this debt and XXXX XXXX XXXX XXXX XXXX XXXX can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have called Experian numerous times. The last person that i spoke with was a gentleman with the name of XXXX, which he provided. I asked to speak with a supervisor. When I asked to speak with a supervisor, he got defensive and asked why. When I didn't give him the reason, he kept me on hold for over 30 minutes and sid there was no supervisor available. Simultaneously, while on hold with XXXX, I called in to Experian from another phone line and asked for a supervisor and was given a supervisor within 5 minutes of the call. 

I called in because I had questions about my credit report and how to navigate the website. Instead of walking me through it, XXXX simply gave me a date. When I asked where he got that date, he got very defensive. I think he simply gave me wrong information and grew impatient when he couldn't show me where he got the information.
Consumer complaint received 2023-10-19
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.