davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NJ)

Radius mailed a letter dated XX/XX/2020 to pay some unknown debt and at the same time reported to credit bureau. Never even gave me time to receive the letter in a middle of a PANDEMIC! Reported to credit bureau damaging my credit Im working hard to already repair. And theyre basically saying okay its nothing we can do about it today! Why not? You put it on there with the XXXX of a key!? XXXX the same key and remove it just as swift! Why are they allowed to report this and ruin peoples credit when we never get a chance to receive the communication?! And especially during a PANDEMIC!!!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-06-04
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. (AZ)

The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (NC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-03-08
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. (TN)

I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC (FL)

My younger sister went to the XXXX XXXX XXXX store back in XXXX to return an XXXX as she was switching over to XXXX XXXX XXXX. The employees there took the phone, closed her account & told her she can go without giving her a receipt. She asked for one and they told her she does not need to worry about that. That is where the problem started. 

had to go to XXXX in XXXX because of an overcharge made to my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ) and was told by an agent on the phone that the XXXX was never returned & that I owe {$720.00}. I told her & it was been returned & that the associate stated there was nothing due on my account. I was also told that matter was resolved & it would not affect my credit so I do not need to worry about anything. 

Fast forward to a month & a half ago : my younger sister contacted XXXX in regarding her old phone number ; the agent assisted her but then stated there was a balance for the XXXX  once again. We both told the agent AGAIN, that matter was been resolved. She ( the agent ) said she will remove the amount from the closed account.

Yesterday I checked my mail & see a letter sent by Source Receivables Management that my XXXX account has a balance of {$780.00}. 
I am very frustrated as I have been told multiple times that the amount of {$720.00} was removed, & the fact that the phone was returned ( which was REQUIRED in order to close the account ). I would like for this issue to be resolved as soon as possible. 

I also see that this is very common with XXXX still charging previous customers for phones that have been returned.
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 — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-08
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. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report.

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable.

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Liberty Holdings, LLC (TX)

I have a problem with several creditors, who reporting missing information to my credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting wrong information to the credit bureau also , which is incorrect. I do not owe them anything. 

Then I have XXXX XXXX XXXX XXXX that had a settlement and paid in full, the credit reporting agencies are refusing to correct it reflecting the correcting information so my credit can improve, however they're their showing a full balance owed which is incorrect on my credit reports. 

Another, XXXX  XXXX XXXX XXXX XXXX where there was a settlement was made and the credit reporting agencies refusing to make changes to reflect that information. 
All information are attacked.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc (UT)

So its come to my attention that PayPal keeps emailing me with random stuff saying my account is delinquent and I have had issues trying to contact them that company is hard to get ahold of Im really upset how things were handled Im hoping to receive a compensation check up to {$15000.00} for the frustration I had with PayPal
Consumer complaint received 2023-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

So I had and issue with this so the Wells Fargo closed my account because I had too many Debit claims on the account and I filed a claim with Wells Fargo with the mediation department and they handled the situation very poorly I was refered to the cfpb because I have exhausted my claims with Wells Fargo and they told me to turn in a claim with the cfpb so Im doing it now I received a check for {$1700.00} and a check for {$2000.00} with the arbitration and the mediation and arbitrator handled things the wrong way the representative from Wells Fargo low balled me a check and I was so mad that I explained to the arbitrator this is a joke why do I have to be XXXX XXXX its ridiculous and Wells Fargo handle the mediation very poorly the representative didnt want to speak any further about this and I was upset how it was handled Wells Fargo and their company dont know how to handle mediation appointments when u meet with them they dont care to have to listen to you all they care is about themselves they wont let you explain things why u want this money or whatever they just want to get it all over with and never care about your feelings I have a major XXXX and I think it was handled the wrong way Im hoping to get a check up to {$15000.00} or whatever is agreeable for all this comotion and XXXX XXXX me wont cut it we have to agree on this issue because this issue is totally uncalled for so i do have a pending case with the federal court system in the state of Utah regarding how Wells Fargo treated me thats a totally different matter this matter is dealing with the arbitrator and the Wells Fargo representative how they treated me and not wanting me to explain my situation and XXXX XXXX  me a low ball number so anyway just wanted to clarrify that with you so Im hoping we can resolve this matter with a check up to {$15000.00} like I said I was refered to by Wells Fargo do that we can get this resolved asap let me know what we can come up with numbers wise hope this is good info
Consumer complaint received 2023-03-05
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. (NC)

Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXF XXXX ( 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/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 XX/XX/XXXX Equifax inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax unauthorized 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
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai (CA)

On XX/XX/2023 a company by the name of Cred.ai, which provides a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX licensed by XXXX XXXX XXXX, blocked my card. I reached out to Cred.ai only to be told I would receive an email with further instructions to remedy the situation. 

I received the email on XX/XX/2023 from Cred.ai support, which was asking for me to use the provided link to upload a picture of my driver license, my social security card as well as a selfie with me holding my driver license. After uploading it said that the upload was successful and was submitted. 

As of today, Ive called almost every day to get an update as to my card and why it is still blocked. Ive sent a total of four ( 4 ) emails to them asking for updates. All of which has gone without a response of any kind. Every time I call, the representatives inform me my card is still blocked and they have no further information. They inform me that they will escalate the matter and someone will reach out. Yeah, at this rate I have a better chance of winning the XXXX every Wednesday and Saturday before anyone reaches out to me from this company. 

Im tired of getting screwed by this company. Either they unblock my card and we go about our business or they REFUND ME everything that is in my account.
Consumer complaint received 2023-06-04
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: OPORTUN FINANCIAL CORPORATION (NJ)

I reached out to XXXX requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with Oportun on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give XXXX permission to but these inquires on my consumer report.
Consumer complaint received 2023-01-25
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. 

This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. 

PRA then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? 

Second issue is PRA has illicitly refused to work with XXXX in correcting this. I had reached out to XXXX asking as to why I had a collection against me as I had stopped trying to doXX/XX/XXXXand had requested XXXX decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my XXXX account and as I had no money in it with orders to close it then processed to XXXX credit. 

XXXX never sent any notification or Correspondence. This whole time I didn't know I still even had a XXXX account until I got a collection letter from PRA for {$270.00}. 

The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. 

When talking to a XXXX rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. 

The 3rd party collection agency will not return it to XXXX as the rep had stated and I would have to " take it up with them '' So I don't understand how XXXX can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. 

I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. 

They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is opening a promotional credit card without customer 's approval and adding promotional balance transfer from credit card to checking account. All these transactions and opening a new Credit Card are not approved by me. I would like to investigate this matter and prevent this in future.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.