davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (IA)

I have been trying to solve medical debt from an incident a few years ago. From the time I have been notified about this debt, I have been working closely with my parents ( under their health insurance ) and with the XXXX account managers to allocate the funds to pay this debt off. Ever time Alpha Recovery Corp. calls me, they are down right abusive. They will berate me over the phone as to why I have not payed off the debt. They also knowingly mock me over the phone. The latest incident was today at XXXX with XXXX from Alpha Recovery Corp. at first she introduces herself and the nature of the call. I tell her that I can call her back on Monday when I have the account number for my XXXX, because I could only make the payment after tonight ( they close at XXXX ). As a solution to the problem I offer to email my account info later tonight and her immediate response is " how is that going to help me? '' in an aggressive and provocative manner. Many times throughout the call I have to warn her to not be aggressive with me as I am working to find a solution to the problem. I had to warn her multiple times. When I tell her that I will call her back on Monday when they are open she immediately responds with " OH YEA, I'm suuuure you will call back '', and " lets see if you actually will ''. Both those phrases were said in a mocking and aggressive tone towards me. Near the end of the call when im trying to discuss how to pay she gets aggressive towards me again, and when I try to warn her, she hangs up abruptly. Also I had told them many times previously that I am working at this time and not to call me, but they choose to ignore that and continue to harass and mock me while I try to find a solution to this debt.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2021-01-05
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was current on my credit card debt however, I decided to go with a debt management company to get my interest rates reduced. XXXX XXXX and Capital One were two of the creditors. Even though I continued to pay the same monthly amount. XXXX XXXX started sending reports to my credit bureau that I was 30, 60 and 90 days late in XXXX until XXXX without me missing a payment and sending the same amount I had always sent. Capital One put 30 days late XXXX without my missing a payment or reducing the amount I was sending. To be clear I never missed or reduced the payments I was sending prior to my contract with XXXX XXXX.
Consumer complaint received 2024-01-30
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-03-06
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I looked at my report and on XX/XX/2023 I sent a letter to XXXX, eqifax and XXXX XXXX to reinvestigate my accounts. 
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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2021-01-05
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. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-05
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept it!
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinman Acquisition Group (AZ)

Allied Legal Services XXXX Saying I owe money for a credit card that I never had. Threatened to sue and serve me at my place of employment. I've asked to cease and desist, yet they still continue to call.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Based on a promotional offer 'Citi-flex-plan XXXX, I set up a low-interest payment plan on a charge I made on my credit card. I have made those payments on time monthly and understand that if I pay off this balance earlier I will still be responsible for the 6.99 % interest charge for the entire period even though the balance is XXXX. 

A few months later, I received a 0 % offer from Citibank for 4 months. I decided to take advantage of this as well. However, now the balance is due on XX/XX/21 to avoid retroactive interest. I knew this was the due date when I took the offer but also intended to pay it off in full to avoid the interest. 

So on XXXX, after I satisfied my Citi-Flex-Plan payment, I made an extra payment of {$5300.00} only to discover that Citibank has posted it against the flex plan first and not against the balance of XXXX due on XX/XX/21. When I called them to ask them about this, they said that the payment went towards my Citi-Flex-Plan despite my not wanting it to. When I asked why they said because it has a higher interest rate. But that does not make sense because if I pay it off earlier or not I still pay 100 % of the interest. 

I asked them to reapply it to the other balance and they refused and told me I had to pay off my balance in full to avoid paying interest on the XXXX due on XXXX. This is totally wrong and designed to ensure I pay interest on the entire balance of XXXX. I can't avoid interest on the Citi-Flex plan regardless of if it's paid off early or not and they are now requiring payment in full ALL AT ONCE to not incur interest on the interest-free portion. 

This was never disclosed to me at the time I took the loan and feels like its a trick or evasive tactic to ensure they get more interest from an offer they made that was interest-free if paid by XX/XX/21. 

Furthermore, my bill isn't due until the XXXX of the month but I now must pay off my entire balance of XXXX in full- which includes the Citi-Flex-Plan to not incur interest on the XXXX. 

I am so tired of these large credit card companies playing tricks like this. I should be able to make additional payments and have it post where I want as long as I am current. Now I have to pay them even more to avoid interest which was never disclosed to me. SO WRONG. Shame on you Citibank.
Consumer complaint received 2022-09-17
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX XXXX XXXX are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

In the process of refinancing a home mortgage. Closing is being held up because Wells Fargo has been stalling in closing a home equity line of credit that has a XXXX balance. This line of credit has NEVER had a balance because it has never been used. I have written and spoke to their bank reps everyday for the last 2 weeks. They keep saying it's being expedited and the process takes 1-3 days... then someone else says 3-5 days ... Their inconsistency and incompetency is costing me time and money.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I contacted XXXX, XXXX and Equifax in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.
Consumer complaint received 2019-09-21
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: Larry H. Miller Group of Companies (ID)

On XX/XX/19 at approximately XXXX XXXX XXXX XXXX XXXX of XXXX pulled my credit ( hard  inquiry ) without my consent. I was there to look at a new vehicle and told the salesman XXXX XXXX " Do not pull my credit ''. His manager pulled it anyways without me signing the credit application.
Consumer complaint received 2021-09-17
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)

XXXX XXXX XXXX XXXX File Number # XXXX i had disputed is account with XXXX /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask XXXX politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (CA)

Accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Consumer complaint received 2021-09-17
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. (FL)

I'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2022-09-17
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. (MO)

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of the accounts XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXX  XXXX Balance Owed : {$0.00} as I believe these accounts are reporting in error.
Consumer complaint received 2021-09-17
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)

I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.
Consumer complaint received 2022-09-17
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-05
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. (AZ)

I sent letters each month from XXXX  2020-XXXX  2020 to XXXX, TransUnion, and XXXX  disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XXXX  has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.