davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (MS)

I received a red light citation from the city of XXXX XXXX, Al red light safety program alleging that I had ran a traffic light. The date of the violation showed as XX/XX/2022. I also received instructions that advised me that if I provided information identifying another, which I did in addition to the police report that was done prior to this ticket being issue. I provided this information to the company on XX/XX/2022 via us mail and it was confirmed that it was received. Though the police report clearly says that my tag was stolen and on the instructions that were provided to me said that if I would provide the given information it would be transferred to the correct party. This was not the case. This corporation fraudulently sold a debt that is not mine to a debt collector tarnishing my name in addition to committing fraud.
Consumer complaint received 2022-10-19
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. (IL)

I have disputed this XXXX XXXX account as fradulent in the past. I also disputed this account as a closed account. The account was then reported as closed but the balance was added to my revolving credit balance, which is wrong. For some reason, XXXX XXXX is reporting as an active revolving line of credit. XXXX  XXXX is a closed, charged-off line of credit. I am not currently employed by a company, so I am not able to pay the debt at this time. This account is in fact closed and nonrevolving none the less. I can work out repayment with XXXX XXXX Bank when I have consistent income and is gainfully employment.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this XX/XX/XXXX is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bring XX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!
Consumer complaint received 2022-10-19
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. (MD)

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. 

Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


ACCEPTANCE NOW Account Number XXXX XXXX & XXXX Account Number XXXX XXXX  COLLECTION XXXX  I Account Number XXXX Account Info Account Name XXXX  XXXX BANK Account Number XXXX XXXX  CREDIT  XXXX Account XXXX XXXX XXXX CREDIT  XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX CREDIT XXXX  Account Number XXXX Account Type Unsecured Account Name XXXX CREDIT XXXX Account Number XXXX Account Type NA Responsibility Individual Account Name XXXX CONSUMER XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX INC Account Number XXXX Account Type Line of Credit XXXX FEDERAL XXXX Account Number XXXX Account Type Auto Loan
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (TX)

The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
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. (IA)

sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX-XXXX  XXXX  tell me that they had sold my account to the collection agency ( XXXX XXXX ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or XXXX XXXX violated numerous laws in furnishing this info to Experian consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted XXXX and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX double dipping and XXXX  opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX XXXX and XXXX. experian case # XXXX
Consumer complaint received 2023-06-19
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. (FL)

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2023-08-09
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. (NC)

Please delete the following incorrect addresses and employer and unauthorized inquiries on my credit report incorrect addresess XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect employer XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have previously tried to resolve this issue, of unauthorized inquires on my credit report, with Experian. I contacted Experian over the phone and was told that there was nothing they could do and I would have to contact the creditors. I contacted the creditors and filled another disputed with Experian, with attached letters of the creditors stating they have no records of me. I mailed this letter certified mail. USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX stating it was delivered to Experian on XX/XX/XXXX. Experian has failed to respond in the allotted 30 day time frame required by the FCRA. Therefore according to the FCRA the disputed items have to be removed immediately. The UNAUTHORIZED inquires are listed : XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX Furthermore I have attached a letter from XXXX XXXX stating I am not in their files and the inquiry should be removed. I have attached a CFPB response from XXXX stating I am not in their records and the inquiry should be removed. I have tried to contacted XXXX XXXX   through a certified letter ( delivered XX/XX/XXXX ) in which they failed to respond to. I also opened up a CFBP complaint ( XXXX ) in which they have not responded in the allotted time so I can only assume they also do not have me in their records since this an unauthorized inquiry. I have attached a certified letter to XXXX  ( deliveredXX/XX/XXXX) to which they have not responded. Again only assuming they have no records of me.

I request that you immediately delete this information from my credit reports. To continue to report these inquires on my report would be a violation of the FCRA of unverified and inaccurate information. Please do not tell me it will take 30 days I know it does not take that long and I have provided you proof from the creditors themselves that this information should not be reported. Thank you for your prompt attention to this.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please delete the following incorrect addresses and employer and unauthorized inquiries on my credit report incorrect addresess XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect employer XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I have an account with Chase Bank. I added my daughter as a student and created a student checking account ( She is XXXX ) and with no service fee. From last the two months, Bank started charging a service fee of {$12.00} monthly. When we contacted the Chase bank, they could not give a clear answer to why this happened. They said they will investigate and reported back in 2 business days. I am a bit concerned about the accountability and transparency of Chase bank. I want to ensure that this does not happen to other customers.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (PA)

I have previously disputed this debt multiple times. Then the debt is sold to a new company and they start contacting me and I have to dispute again. 

Every morning I get a call from the same number and when I answer they refuse to say anything and just hang up. On XXXX I sent a certified letter to the company that they signed for and even confirmed via phone that they received. This letter specifically stated that the debt was not mine and I should not be contacted again regarding this matter. Yet every morning I still get a phone call from this debt collector. 

On XXXX I spoke with three different people at the collection agency and recorded my call. During this call all three people ( XXXX, XXXX (? ) and XXXX XXXX confirmed that they were aware of the letter that was sent and could see it in my file yet they were still contacting me. Their excuse was that they do not call it is the automated dialer that calls and they can not control the automated dialer. Which makes no sense at all.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have been trying since XX/XX/XXXX & XXXX, 2023 to transfer money out of my account. Each time it has been reversed after having been assured the money would go through after being on the phone for hours. I have spoken to at least 7 different persons regarding this matter with one supervisor who hung up on me.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates LLC ( PRA ) has taken negative action against me by reporting false information to credit bureaus. PRA reports monthly terms of collection. This intentional deceit is to damage my credit. They have done so since XXXX and continue to do so in XXXX. 

As evidence, the first attachment Ive included is a PDF I saved from my credit report titled " XXXX Credit Report, PRA pages only. '' The area I draw attention to is " Terms 1 Month. '' Additionally, the Payment History section of the credit report validates the timeframe I specified above, XXXX. 

Its also important to note that according to XXXX, Terms in the credit report are defined as follows : The agreed upon amount of time to pay back the money borrowed. 
Ive included an attachment confirming this. 

To be clear, I do not have a monthly arrangement with PRA. I have never had a monthly arrangement with them. However, the arrangement I do have with PRA is an income tax refund/credit garnishment. I've included an attachment of the Request and Writ for Garnishment issued on XX/XX/XXXX as proof. Since income tax is refunded yearly, not monthly, its impossible for me to have monthly garnishment terms with PRA. Therefore, I can not have an agreement for monthly collections as PRA is reporting to credit bureaus.

In summary, PRA reported and continues to report fabricated information to credit bureaus to damage my credit. This is unacceptable and requires correction. I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-09
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. (NY)

I have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (SC)

I received a letter in the mail saying I owed {$13000.00} to account # XXXX XXXX XXXX XXXX. This is not true. I was up to date with my rent. The landlord there gave us a 3 day put out now i am XXXX with both knees XXXX on XXXX my husband is XXXX with XXXX, we never received anything to go to court. We lost more than half our belongings because they locked the door and would not let us back in.I was unable to get any my kitchen things, had to leave our washer and driver, my husbands tools No bedroom furniture a lot was left and we were unable to get it. We were unlawfully put out and we lived there 8 years and this happened [
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I'm disputing this account. I'm asking for them to prove 100 % verification or validation. So I'm submitting through this site to get the help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? 

Please stop collections immediately
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I was at XXXX XXXX grocery store on XXXX and XXXX in XXXX, Washington. My debit cards for my business and personal accounts were stolen from me in the parking lot. I called Chase Bank to freeze my account/cards within minutes of this happening. When I got back to my office and pulled up my account information online, I discovered that {$3900.00} dollars had been withdrawn from my personal account. I called the bank again to report this. They stated to me that the withdrawal was made in person from a main branch ( not the one I use ). I provided them a police report and talked to them several times. Their investigation determined that it was " lack of care ''. They refused to return my stolen funds even trying to insinuate that I am careless with my PIN. I sent them a demand letter asking for a review and they have the police report. I have heard nothing back from them. 
There has been an increase in thefts here lately. The news has reported someone stealing debit cards and using a device of some kind to make a new PIN. I reported this right away, no one should have been able to walk into a branch and steal {$3900.00}.
Consumer complaint received 2022-12-02
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. (NC)

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX