davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form XXXX XXXX.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Skopos Financial, LLC (FL)

l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Dear Sirs : I have received a copy of my Consumer Report. There has been erroneous information being reported to Early Warning by Chase Bank. 
Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX of XXXX : XX/XX/XXXX Bank XXXX # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$460.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account XXXX : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$470.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse These dates of incident aren't true. Please remove this item.
Consumer complaint received 2023-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (FL)

First Progress is reporting an open account of {$130.00} balance. Credit limit {$500.00} and high balance of {$630.00}. 
The account was canceled by credit grantor. Was never opened by me.
Consumer complaint received 2023-09-11
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: Freedom Mortgage Company (NY)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : FREEDOM MORTGAGE CORP  XXXX XXXX FREEDOM MORTGAGE CORP  XXXX and FREEDOM MORTGAGE CORP  XXXX
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank canceled a credit card that was exclusively used for travel during the early XXXX years when no one was able to travel. The card had a credit line near XXXX. As a result, my XXXX XXXX went down. The reason for the cancellation was sighted lack of use. 
I wrote Citibank asking that my card be reinstated, but they refused stating that I required a new credit inquiry in order to get a new card. I requested that they use the credit history of the other card, a thank you card, to determine my payment history, or review the history of the card that was canceled. Citibank refused but sent a nice letter.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I recently got a job at a firm that audits Citi Bank and in order to avoid financial independence issues going forward, I am trying to close my Citi credit card accounts XXXX and XXXX. However, for some reason the account closure functionality on Citi 's self service online portal is not available.
Consumer complaint received 2023-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner sent me a debt collection notice for " XXXX XXXX XXXX XXXX ''. To my knowledge, I have never transacted business with XXXX 's. When I contacted Caine & Weiner to inquire about the alleged debt, they could not provide me with any information about the debt, nor could they provide me with information about how to contact XXXX 's. The representative told me I could " look them up online ''. Frighteningly, they knew at least the last four digits of my social, and they knew my birthdate. 

When I finally found a way to contact XXXX 's, they had already received numerous calls about this debt-collection company ( Caine & Weiner XXXX XXXX but they did not have any information on any debt I might owe them. 

I believe Caine & Weiner is fraudulently trying to collect a debt I do not owe.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

I paid a debt in collections directly to the creditor as instructed, however the collection agency as well as the creditor have yet to remove this from my credit report. 
Amount of debt : {$100.00}, paid in full on XX/XX/2021. 
I have contacted both to resolve this matter but both refuse to contact each other to resolve this matter. Dates of contact : XX/XX/2021, XX/XX/2021 & XX/XX/2021. 
The companies involved are XXXX XXXX in XXXX, Florida ( creditor ) and Credit Collection Services in XXXX, MA. 
Contact info : XXXX XXXX, XXXX, FL, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX
Consumer complaint received 2023-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (MO)

Navient is the private student loan company servicing 3 of my loans all of which had a co-borrower on them, they have recently called the co signor for past due payment recently so much that co signor got fed up and said she was not paying them anymore and wanted to know how to stop the calls. Some client from navient and my co signer agreed that if the co signer paid 75 % of the bill in full they would release her from the form and hold me ( primary / borrower ) solely responsible. I was never made aware of this action until after it was complete and to my understanding it takes the borrower ( me ) and the lending company both to agree to let co signer off hook after meeting certain qualifications ( 1 ) being that I can afford the monthly payment and ( 2 ) I have to prove I can do that through W-2 's and other methods and not simply by word of mouth. None of this has happened. I truly feel like they purposely misled my co signer into " settling '' with them and on backend still trying to collect difference from me which seems highly scandalous if not illegal.
Consumer complaint received 2023-09-10
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I was working with Lexington law and they kept charging me every month and there was no response.Finally I called was told it takes time.I made for about a year and a half just hoping for some help. I canceled their services because I thought I was being scamed
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NY)

Between XX/XX/2023, and XX/XX/2023, I requested signed contracts or arrangements from this company called " WayPoint ''. They have failed to do so. They just reply back with a bill that means nothing. They're requesting over {$1200.00} in payments.
Consumer complaint received 2023-07-28
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. (TX)

I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than XXXX business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2023 an ACH Transfer utilizing Western Union and was paid for and attempted to be sent to me in the amount of {$7500.00}. The problem was the sender utilized the routing number for wire transfer versus ACH, because Western Union told her the funds would be wired SAME DAY. 
On Tuesday, XX/XX/2023, I called to check the status because the monies had not shown available in my bank account. Upon checking, the routing number the monies was sent to was incorrect. XXXX XXXX  XXXX advised it was rejected and never deposited into my account. Western Union still attempted to tell me and the sender the monies was delivered to me. XXXX XXXX XXXX spoke to Western Union on several occasions advising the fund were rejected because the wrong routing number was used. And asked the funds be resubmitted using the right details. Western Union confirmed they were not aware I had a business account which should have not even been allowed to be sent. 
Ive spoken to Western Union for countless hours, so has the sender and they refuse to release the monies to me or the sender. Claiming they do not have the money XXXX  XXXX XXXX does. However I have proof the money never deposited. This is FRAUD, Ive sent bank statements, chat transcripts and recorded calls showing the money was never deposited. 
This money was for emergency medical funds. They are not doing their due diligence to find the funds. {$7500.00} is a large amount to attempt to deceive consumers about next step is filing a police report. XXXX XXXX XXXX has provided proof the funds were rejected. I will stop at nothing to ensure the monies is rightfully returned.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: I.C. System, Inc. (MD)

XXXX {$440.00} XX/XX/2023 last updated on report XXXX XXXX XXXX XXXXXXXX {$560.00} balance updated XX/XX/2023 I.C. system, INC XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I havent made no open accounts or made no financial attempts with my name or social these accounts are not mines or do i know what they are. 









XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are In VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENTG IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
Consumer complaint received 2024-04-03
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX I owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (WI)

This company is reporting information that for one doesnt belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automotive Leasing Specialists, L.L.C. (LA)

I receive a collection on my credit report stating I owe a balance to XXXX. Im currently with XXXX for i utilities and they mention to me I have no outstanding balance with them, I have no known knowledge of anything else
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

I accessed 2 websites for gaming ( not gambling, you can not win money you purchase credits or coins to play games ). In the past I could see I was being over charged and contacted XXXX, I explained to them that I was being charged for coins/credits I did not receive. With no explanation for this issue they told me to keep a log of purchases. I did this and it would balance for a couple days then I would see a bunch of debits on my checking account. Finally I realized what was happening. If I initiated a purchase and it came back denied for NSF I was not given coins requested the purchase was declined. At that point nobody is out. Then after my bank would go back and pay these amounts because I have over draft protection. So XXXX  was paid for a transaction that was declined and should have stopped there. I was never informed at a later date of overpayment or anything of the kind. They would just take the money. 
Now I have researched back to XXXX and identified over {$12000.00} of NSF items and XXXX said they could see when a purchase was declined then later paid but said they couldnt tell if I received the credits or not, they just sweep the account. I submitted a claim for refund to their system and it was denied. They told me they could resubmit the claim but it would probably be denied because it doesnt recognize these unique circumstances. XXXX did say that if my bank filed a chargeback the request would more than likely not be denied. I filed a dispute claim with Wells Fargo and they closed the claim within a few days with no email or call or anything to me. I have tried to speak to a manager and have been denied each time being told a manager was not available, and that one would call me back which to this point has not happened. It is clear to XXXX and to Wells Fargo that this has happened but neither is willing to help me. This is not a case if buyers remorse or anything. I dont want my money back for credits I received. I want my money back for the money that was taken erroneously/fraudulently. 


Dispute History Check the status of all your disputes. 
Account Number XXXX XXXX ... XXXX DateTransactionAmountClaim Number Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, XXXX XXXXXXXXClaim Number,XXXXStatus : Closed Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, $ XXXX XXXXStatus : In Progress Cancel Dispute
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (FL)

XXXXXXXX XXXX XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX XXXX XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (WI)

Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, experian and XXXX ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & Experian that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX