davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (VA)

I called Midland Credit Management to attempt to find a resolution and the advisor was extremely aggressive threatening legal action even after I explained to him my situation. The advisor expressed zero empathy and even declined settlement offer. He boldly stated there are no settlements available and that if we didn't find a resolution on the call today there would be legal proceedings to follow. He didn't care about how the account had come to be. He treated me as if I purposely incurred the debt and not encountered a life event that led to it. I would also like to add that these people are sneaky and will only send you letters claiming to have notified you and make no attempts to contact you by phone for a resolution. They are attempting to cheat the system.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-03
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (SC)

I had bought a XXXX XXXX for XXXX on XX/XX/XXXX from XXXX. XXXX immediately pulled {$20000.00} out of my Navy Federal account without verifying that the car that I paid for was available for sale. On XX/XX/XXXX I was notified that the car was no longer available ( it was a partner vehicle, so its listed in multiple places ) by XXXX. I contacted my bank, Navy Federal on XX/XX/XXXX to see if they could mark it as fraud and they said no. I have had numerous text messages with XXXX and phone conversations and it is XXXX and I still do not have my XXXX XXXXXXXX back. I was told 3-5 business days. Its been way past that.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My name is XXXX XXXX SSN XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, Experian, and XXXX Accounts. 
The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX
Consumer complaint received 2023-05-24
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: V and H Portfolio (CA)

A collection account appeared on my credit report that I have no knowledge about or what it's for. The company is Vance & Huffman LLC and the amount is {$4300.00}. I do not have an account number as XXXX does not provide account numbers. Account shows active but I have no knowledge of it.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MS)

Around the beginning of XXXX, I realized someone had made close to {$2300.00} worth of unauthorized purchases with my debit card. I contacted Chase to file a dispute. They issued a temporary credit. A couple weeks later, I received notice that they would be debiting the credit as the charges were authorized. I contacted their customer service and they told me the charges had come from my IP address and asked if anyone else lived in my home. I replied that my husband and XXXX kids did. He asked if I thought it could be one of my kids and to call back if I found out that it was one of them. Never in a million years did I think it was possible but after speaking to one of my boys, I discovered he made the charges. I called Chase back to reopen the dispute and a different rep told me there was nothing they could do. That since it was one of my kids then I still benefitted from the purchases. I most certainly didn't authorize or benefit from any of the transactions.
Consumer complaint received 2023-06-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (FL)

The nastiest spirited people I have ever contacted. According to manager XXXX, which Im sure is XXXX, she claims She is not in the business of customer service when I explained to her that this entire process has been treated terribly. Not only did she make that disgusting comment to me as a client but insisted that its nothing she would do or suggest and basically told me that its all my fault any of this happened. Then she tried to hang up on me twice, belittled me by calling me hunny with a disgusting attitude. When I asked for her name, she only gave me a nickname and refused to tell me her full name. As you can see this isnt the first time this company has gotten a bad report for POOR customer service and its so sad that SUPERVISORS brag about not being in the customer service business. I would never recommend any facility that uses this firm, completely disgusting. Honestly the conversation was one sentence away from her being vulgar. Completely ruthless and disgusting approach and then she threatened to report to my credit and said Are you gon na pay or not?. The entire issue is that I no longer am in the area of the gym I attended and have called numerous amounts of times to cancel my membership. There was nothing explained to me at the start of my membership about cancellation policies. I have spoken with both XXXX XXXX XXXX and XXXX and they told me the ONLY way I could cancel is by coming in. Instead of cancelling my membership, they tried to shove incentives down my throat and completing negating the fact that I am no longer in the area. As explained to the supervisor, and she had the most disgusting and degrading response Ive ever received. Completely disgusted with this conversation. Our conversation took place on XX/XX/2023 at XXXX after have already being hung up on by another associate.
Consumer complaint received 2024-03-06
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. (NV)

I have been the victim of identity theft. I already have a fraud alert placed on my consumer reports but I need to have addresses and names that I do not recognize removed from my consumers reports to prevent any further possible identity theft. There's already an extended fraud alert on my file.
Consumer complaint received 2023-06-03
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. (TX)

I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXXXXXX Balance {$31000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

They denied me I sent many complaint cfpb does n't care if I become home les s u n eed to be more sgressiev e Wachovia is a  reason for my loan this loan was trouble since  2007  the invester for this loan should held accountable he sticked this fraud loan to me and now his having a good life and I have to suffer forgive this loan I have a  XXXX  husband I have enough to deal with loosing my home is a death to me.
Consumer complaint received 2024-03-06
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. (KY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-03
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. (TX)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It's been quite a few years about 4 to be exact when I first started noticing having problems with certain things like me getting confused with another person at first I thought it was just me I was just random then I started noticing certain charges certain accounts open and my name certainly mail coming to my address that I never knew what was going on I started contacting the appropriate places nothing ever got done I ended up getting XXXX for a driving XXXX later to find out when I asked for discovery I seen multiple things on there that I didn't recognize when I got out I pursued complaints with the FTC I thought that's where I was supposed to complain I never heard anything back XXXX never heard anything back my concern is I recently started looking into my credit because I needed to get an emergency loan for medical XXXX and now I've been denied by every place you could imagine when I just need to have XXXX done and I need legal help and I've reached out to banks loan companies everywhere to try to get a loan to get emergencies taken care of my credit report showed things on there that were inaccurate and when I disputed them immediately they told me that they would delete them and I even have screenshots of showing they're supposed to be deleted yet when I go on TransUnion or XXXX TransUnion still has them on there as if they're still new but XXXX site has them deleted and then I contacted XXXX XXXX told me I was part of some data breach so I signed up to be in part of the settlement I don't even know if that's true or not The bottom line is all I've tried to do was get credit fixed all I've tried to do is get in to have XXXX done I don't have money to do it I'm in the middle of a bunch of complaints with medical departments because I'm pursuing a lawsuit because I'm going XXXX I'm on a time limit and no matter what I keep running into this where I can't get a loan from any place and it's due to these inaccurate things in my credit report some of them are mine and I will have tell you which are mine and which are not But most of these I have either settled or I was insurance or I have recordings of talking to the places where they told me a different prices were supposed to be paid The whole thing is it's so inaccurate I don't know what to do anymore I need a loan and no place will help me because of this no one will talk to me because I can't communicate on the phone cuz I don't have the phone and I need someone to contact me or help me get a loan and I can't do it without this credit being fixed bottom line I don't have any credit I've never had a loan I've never applied for anything in my life and I need help I have a few days left to save my eye but I can't get anywhere unless I pay for the XXXX or get the help pursuing a legal action with these medical companies I have proof and documentation I need to know what to do
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (NV)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-12
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: TD BANK US HOLDING COMPANY (NY)

I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX Credit Card for the month of XX/XX/2022, be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (MA)

Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with

Equifax and XXXX requesting a reinvestigation, regrettably, the matter remains unresolved to date. Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023
Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-06-03
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. (NC)

I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.