davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''
Consumer complaint received 2023-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

Total balance {$250.00} {$50.00} Late fee charged for XX/XX/XXXX rent. 
I mailed out two checks on XX/XX/XXXX certified mail. One check for rent, XXXX and water usage ( XXXX ) the other check for parking ( XXXX ). The checks were delivered on XX/XX/XXXX. They cashed the parking check on XX/XX/XXXX and stated that the bank rejected rent check. I called the bank who stated that they have no evidence of the rental company trying to deposit the check. My checking account has remained above the amount the check was valued. I asked them to resubmit the check but they mailed the check back to me with void written across it. I also tried to resend them a another check but XXXX told me that I have to wait until they send me the move out ledger. 

I send an email to XXXX XXXX on XX/XX/XXXX disputing charges. 
{$60.00} Smoke detector, carbon monoxide and 3 extra {$32.00} for XXXX XXXX XXXX XXXX XXXX ) I purchased a 2 in 1 smoke detector and carbon monoxide at XXXX on XX/XX/XXXX. I moved into the apartment on XX/XX/XXXX. I returned the smoke detector and carbon monoxide on XX/XX/XXXX and I moved out of the apartment on XX/XX/XXXX. They never provided any of these items. I never asked about it because I had my own. The lease have XXXX XXXX XXXX XXXX XXXX ) which is {$32.00} a month, I paid it every month even when it's not on the rent receipt. The lease never stated that the last 3 months before the lease terminate the XXXX of {$32.00} would double to {$64.00}. 
I also have a lawyer send them 2 letters and is about to send a third letter disputing the charges with no avail.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I wrote to the bureau XX/XX/2020 about some inaccurate information I found on my report. The bureaus have yet to complete an investigation on these inaccuracies that are detrimental to my credit report and are hindering me from receiving funding. I understand my rights under FCRA that after 30 days of requesting this information be investigated that if they can not verify the inaccuracies then it must be removed from my report. It has now been over 60 days since my initial request. I attached the letter as well as my license and proof of residence via bank statement
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My information was stolen and this account was opened in my name without my permission. They presented both fraudulent and stolen documents to open this account without my consent. Please properly remove this debt from my account, it should NOT be listed as a " charged off collection '' because it never belonged to me.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (TX)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The debt was sold to a collection agency, portfolio recovery, that I do not have a contract with. I have disputed the debt numerous times and still they attempt to collect from me. I am asking this be removed from all 3 credit bureaus and my credit file be updated as such
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (OH)

I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. 

Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. 

Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. 
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 

As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. 

Your Credit score will hit by negative XXXX points & your drivers license will get blocked. 

You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. 

Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. 


XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (FL)

Ive reached out to Equifax and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Designed Receivable Solutions, Inc. (AL)

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported is XX/XX/XXXX. XXXX is showing Date Last Active for XX/XX/XXXX, XXXX is showing Date Last Active for XX/XX/XXXX, and XXXX is showing Date Last Active showing for XX/XX/XXXX. This is discrepancies on my credit report and the lenders think this account fraudulent. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (NV)

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus don't have no written premission According to XXXX XXXX XXXX XXXX have the right to privacy According to XXXX XXXX XXXX XXXX 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (VA)

I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, 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: CORELOGIC INC (FL)

On XX/XX/2022, I sent a letter ( certified mail ) requesting a free copy of my consumer file because I had been a victim of identity theft. I attached my Driver 's License and Social Security card with the letter. CoreLogic Credco responded by asking me for more verification of my identity and they said a XXXX XXXX XXXX XXXX would be applicable. XX/XX/2022, I sent another letter ( certified mail ) stating that all sources and report recipients should also be included in my consumer report and that I've also attached all the requested verification of identity. XX/XX/2022, I received CoreLogic Credco 's response stating that they " do not have the report you requested based on the information you provided about yourself and the report. '' I provided more than enough verifiable identification and CoreLogic Credco refuses to release my consumer file, sources and report recipients. A full investigation for identity theft can not be done without the release those documents from CoreLogic Credco. CoreLogic Credco is in violation of 15 U.S. Code 1681c-1 ( 2 ) ( A ), 15 U.S. Code 1681c-1 ( 2 ) ( B ) and 15 U.S. Code 1681g
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I tried freezing my credit with Experian out of fear of the recent XXXX security breech a couple of months ago. However, Experian was telling me the information I was providing them was incorrect, when it definitely was not. This got me worried that I might have bad information about me out there, so I wanted to see my credit report from Experian. However, they will not let me access it.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I received a recorded message on XXXX day that an unauthorized check was being cased on my account. I was unable to reach anyone at Citibank because they were closed for XXXX day ( XX/XX/XXXX ). When I was able to get into the bank they credited me for that particular check in the amount of {$3900.00} and advised me to carefully look through my statements for other questionable checks. When I did this I reported 3 additional checks which were obviously forged. I was told to wait for Citibank to send me a Statement of Unauthorized Use for claims of Forgery, Alteration, etc. After that form arrived a couple of weeks later I immediately completed and returned it. Several weeks later on XX/XX/XXXX I received a letter that my claim was denied, even though the fraud/forgery was clear. 
When I first submitted a complaint Citibank claimed that they did not recognize me as their customer or their customer 's authroized representative. Really?
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC. (VA)

On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.
Consumer complaint received 2023-01-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXXXXXX 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 a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (OH)

I contacted the company and it was incorrect and they were supposed to remove this from my credit report, I do n't understand why it 's still on there, how can we get this taken care of. 
Thank You,
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

I received a collections letter from  Convergent Outsourcing Inc. l ocated in  XXXX , Washington stating that they are attempting to collect a debt on behalf of  XXXX   XXXX   XXXX . The letter was received in  XXXX    XXXX  . I contacted   XXXX   XXXX   and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money.   XXXX   XXXX   asked me to send a copy of the letter I received f rom Convergent Outsourcing and  I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from   XXXX   XXXX   that this is a legitimate debt and I do not want to start making payments for something I do not owe.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/ I have bee in & out of the hospital and doctor offices. I begin to use the funds in my Bank of America account after making payments with my cards for my out of pocket fees deductible and copays. After using my money in my account Bank of America dropped my credit balances on 2 credit cards from credit lines of XXXX to the balance of {$3200.00} and {$2900.00} actually charged balanced amounts and closed my cards. I called to find out why they done this and was told that BOA can lower the credit line whenever they wanted but provided no reason for the decision was made. 

Bank of America reported to the credit bureaus that I maxed out my cards and that they accounts were closed without notifying me. I deputed with the credit bureau XXXX and BOA send false delinquent payment info to the credit bureau when I was previously in good standing with no late or delinquent payments on my accounts. I reported Unfair Credit Reporting because I was approved for the XXXX XXXX XXXX XXXX XXXX over 2 months ago after BOA caused a chained reaction with my other credit cards causing my credit score to drop over XXXX points in 2 weeks because they reported every 3-4 days. Now I can not qualify for anything. My score went from XXXX to XXXX and they are still reporting. Once on the debit Relief Program all credit reporting is suppose to Stop. But they keep reporting.