davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (VA)

Accounts appeared on my consumer report to which I had no knowledge of so I put in a dispute stating that I would like clear verification showing the accounts in question. These accounts appeared in XXXX which was the same timeframe of multiple data breeches from various Companies that exposed my personal information, Hence the fact I put in a dispute regarding the validity of such accounts it was ongoing that the 3 Credit Agency 's would each time fail to give me information that was to be provided. After ongoing disputing of these accounts, it appeared that proper attention was not given to verify them, to which I basically got ignored. These accounts had been removed from my report as again no documents had been available to confirm. I suddenly received alerts regarding a change in my report. I went online to see what had changed suddenly that resulted in my credit score dropping to a level that put my finances at risk. Upon looking into the credit report is stated 5 accounts had been opened XX/XX/XXXX by XXXX XXXX to which I absolutely knew I had not opened any accounts. After digging into this information that was suddenly put on my personal consumer report without any prior knowledge or details, it appears that the same accounts that I disputed in XXXX that never was confirmed to be mine and was removed from my consumer reports had now suddenly been placed back on my report by this XXXX XXXX. I have tried to get this resolved however without success. I have not given anyone permission to share my nonpublic personal information. I now have false information on my consumer reports that appear to other credit companies I deal with, as irresponsible which puts my reputation at risk. I have put forth all my effort in getting this information resolved. I also have a government account that shows late payments, All my payments were made on time, and I have no control over the Payment Center being behind or putting information in the system late, this has been paid in full however reflects false information regarding my payments made. Also it has detailed information regarding my social security number leaving me at risk. Please contact me
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: First Atlantic Auto Credit LLC (MA)

I have been trying to contact the company first Atlantic auto credit to obtain a release of Lien to obtain a duplicate title. I have called, emailed and visited the address they have online. The address they have is not accurate. The address has been occupied by a new business. I have been trying to contact for over a month.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with unfairly.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NJ)

I imitated a transfer on XX/XX/2023 and the money was debited from my bank account on XX/XX/2023. It was not until XX/XX/2023, that my money was available. They told me it takes time for ACH to process. Not that many days. 

Then when I went to put an order in to buy Bitcoin, the stated price was below the price they were charging me. The fees they charge are not detailed as well. 

Please see a screen shot below. There is a large spread between the {$37000.00} v {$38000.00} they are charging. 

BTC Bitcoin {$37000.00} Payment method USD balance BTC price {$38000.00} Subtotal {$4900.00} Fee {$74.00} Total {$5000.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreso they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA, I am entitled to XXXX dollars, per violation as it is clear they violated my rights.
Consumer complaint received 2023-11-09
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-11-09
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: Conn's, Inc. (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX # : XXXX Original Principal : {$2200.00} Interest Due : {$5.00} Amount Received : {$700.00} ( XXXX as of XX/XX/2024 ) Total Due : {$1600.00} ( " XXXX '' ) We both know of every violation you continue to practice but I will break it down and explain for sake of this complaint. Also, for more proof please see all my emails sent & ignored to you & XXXX from XXXX XXXX. You contacted me via email XXXX. You threatened me with a negitve credit reporting & forced me into a payments plan EVEN after I advised that I'm taking this to court with them as soon as I can actually contact them & I sent proof line by line of why the amount " owed '' is completely inaccurate with all their violations XXXXYou ignored all of my contacts with you ( see some attached proof + emails + recorded calls ) XXXX. More than likely you are a XXXX party agency and you are collecting a " debt '' you already paid for In hopes to recoup your money AND you have added intrest which is a violation enough to have it removed from my report if it were to be added on XXXX. The orginal company told me I had until XX/XX/2024 to make arrangements or dispute but less than a week after that correspondence in XX/XX/2024 your company had my file and was demanding payments, you not only violated the notice you just gave & ignored my disputes but you allowed them to as well which it's your DUTY to verify all cost & agreements BEFORE collection XXXX. I requested via certified mail ORGINAL agreements between me & you & you and the orginal creditor before the arrangement was set, and proof via mail with signature after incase I pay & you still try to collect and you denied me saying it's not possible. 
XXXX.I have no orginal copy of my promissory note nor POA Just to name a few ... per FCRA, CFPB, etc etc the usual violation remedy amount is XXXX XXXX per violation you are already at XXXX XXXX  trying to collect less than XXXX. Let 's not draw this out because I have over XXXX emails, XXXX recorded calls, and proof of unlawful payment. You should be ashamed.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to dispute the information on my credit report that was provided to you without my written consent. 
Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681b, I have not authorized the furnishing of my information or the obtaining of my information by your credit bureau. 
I hereby request that you investigate this matter and provide me with verification of the source of the unauthorized information on my credit report. I also request that you remove any unauthorized information from my credit report and provide me with an updated copy once the investigation is complete.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (IL)

I am in disagreement with the information you allow XXXX to report on my credit file which is incorrect, even after your investigation about multiple dispute of incorrect information being reported. XXXX has proceeded to change the entire account status from charge off/ sold to a REPO back to charge off/ sold. To adding payments that was never made to removing payments one by one when disputed each and every time certifying each time the information was correct XXXX was submitting when in fact it was not correct and we know this to be true by the number of times XXXX has changed the account infomation over the pass years reporting incorrect information is a FCRA voilation. I have provide documents that I obtain from XXXX XXXX reporting to EQUIFAX proving how XXXX has repeatedly certified false information to cause me addtional finical hardship. Such action you EQUIFAX has allowed XXXX to do so because they are paying for your reporting service. According to FCRA you Equifax have a duty to verify all information submitted to you before placing it on a consumer credit report and in this case you have failed to do so and I am demanding that Equifax remove XXXX account from my credit file at once for Equifax failure to verify the information submitted to you. 

furthermore XXXX is now `reporting my last payment was XX/XX/2019 and amount paid {$0.00} when in fact my last payment was on XX/XX/2019 in the amount of {$43.00} another error made after XXXX corrections also after the account was c/o and sold XXXX reported additional 15 payment made which is false after it was supposedly sold payment that never happed but yet still refuse to delete account after serval correction so now my question how many chances does one get. 
Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc. (RI)

So First Credit Services Inc continues to call my number looking to collect a debt but it is not my debt it is the person who had the phone number before me XXXX XXXX. They ring the cell phone and i call back and ask them not to call. And they continue to I threatened to contact the CFPB today and they said they would stop but then i got another call from another one of their collectors. I need this to stop I am not XXXX XXXX and Id love to get a hold of this guy as the number of shady businesses he was involved in is amazing- I have been getting calls for months looking for him as change his number but I want this company stopped as ive had enough I am getting multiple calls from them as well as other Financial agencies trying to find this guy he is in debt to multiple lenders and banks and he has other financial agencies still trying to lend him money
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MA)

I am writing this complaint against Apple Card by Goldman Sachs Bank for violating the Truth in Lending Act ( TILA ) by not providing me notice before or after closing my credit card account. 

Since I have been a customer with this company, I have always been responsible with my credit card payments and spending. However a few months ago, I received an update on my credit report from all XXXX  bureaus stating that my account had been closed. 

This was done without any prior notice or explanation. I never received a phone call informing me of this, an email informing me or any type of letter/correspondence informing me of any changes to my account. This closure has caused me financial harm and inconvenience. 

I have contacted this company by phone multiple times and have requested a written explaination of why they closed my account without cause or a lawful reason. I also requested them to explain why they didn't provide me with notice of the account closure and why I had to find out from an alert on my credit report and not from them directly and professionally. I first started reaching out to them in XX/XX/2022 and to this day. I have not not received any correspondance from them what so ever. 

According to XXXX, credit card companies are required to give the cardholder notice before or after the account is closed. Your company has failed to do so and I believe that this is a violation of XXXX by failing to provide notice before or after closing my account.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX RE : Adverse Action To whom it may concern : I, the consumer and natural person, was denied credit by COMPANY NAME when I applied for a WHATEVER YOU APPLIED FOR. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received. 

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXXa / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear TransUnion, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts still contain missing information. 

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( XXXX in XXXX of XXXX XXXX ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

XXXX ) Account XXXX : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.
Consumer complaint received 2020-12-30
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)

Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (FL)

In XXXX of XXXX, I was XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was XXXX XXXX XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and XXXX was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXXXXXX XXXX account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.
Consumer complaint received 2023-04-15
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. (IL)

I contacted XXXX to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.