davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (LA)

False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated Transunion and XXXX needs to change it. They do not want to help at all.
Consumer complaint received 2021-09-16
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. (PA)

On XX/XX/XXXX I called Experian with no help. There was three different numbers and there was no one to speak to in regards to inquires and accounts that are on my consumer report that was not authorized to be there. This is an issue of identity theft. Per 15 USC 1681 ( a ) ( 1 ) if consumer reports are inaccurate it damages the efficiency of the banking system. As a consumer per 15 USC 1681b ( B ) ( IV ) as a consumer I have a right to dispute any information in my consumer report. Per 15 USC 1581b ( c ) ( A ) being as though I never authorized Experian to provide any reports to any persons, they are in clear violation of the Fair Credit Reporting Act. Per 15 USC 1681m ( d ) ( D ) as a consumer I have a right to choose what information can be in my consumer report. Being as though this information was not authorized by me it will have to be removed immediately.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I kept receiving threatening calls that they were going to garnish my accounts. I asked for more information, but they wanted my social security number and I told them I wouldn't provide personal information over the phone. 
I never received anything in writing till I was served a summons. Now they are reporting derogatory account to my credit every 7 days.
Consumer complaint received 2021-09-16
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)

XXXX XXXX XXXX has wrongly reported a balance on my Experian credit report for {$5200.00}. I disputed this account multiple times, the most recent times being XXXX and XXXX XXXX 2021. Both times I sent proof of the account being settled and as a result XXXX and XXXX has removed XXXX from my credit report. Experian continuously sends me a letter when I dispute this account saying, XXXX has verified the account but doesn't provide any additional facts I asked Experian to investigate. I need Experian to do a full investigation with XXXX and remove this wrongly account from my credit report.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. ()

I am a victim of identity theft and data breach. I continue to receive a natural consequence of which to harass, oppress, and abuse me in connection to collection of a debt that has been paid and with others that have already been removed from my credit report by law as negative reports should drop of from an individuals report after seven years and no longer considered in the score calculation. 

The creditors has continue to take false representation or implication that the individual is an attorney and that he communication is from an attorney and has used false representation and deceptive ways to collect information regarding me. And in addition has used business, company and organization names of the debt collector 's businesses and companies by false representation and implication that the accounts have been turned over to innocent purchasers for value. 

The abusive creditor has also rejected usps certified mail that i have sent inquiring regarding getting my requested information on these improper dates that have been resolved and continues to call me nonstop in a extremely harassing and abusive way.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Interestingly enough, Trans Union is incorrectly reporting XXXX of my student loans with having late payments in their history. Trans Union has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and XXXX late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Trans Union claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Trans Union claims I was late, the Trans Union report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the XXXX on XXXX XXXX, XXXX. I have attached the documents from XXXX showing the due dates and you can see it is not possible for these to be reporting late since they were not due and in forbearance. XXXX for your time.
Consumer complaint received 2023-02-10
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. (CA)

This is my third times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My card was compromised therefore it was canceled and a new one is being sent out to me. In the meantime there were still transactions that were made after the fact with the same debit card. I am missing about {$1000.00} now. I am not understanding how this was even allowed to be done, the card was canceled and for the next day or two afterwards they take out {$800.00} plus another XXXX which I have no idea where it even went. I had a XXXX XXXX come through the other day but there were two {$200.00} XXXX XXXXXXXX  that were supposed to have been put through the account one was returned and one disappeared.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (PA)

I called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
Consumer complaint received 2023-02-02
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (NY)

I keep getting a call from this number - XXXX. It comes up as spam on my cell phone. I blocked the number on Monday when it came up as spam. Somehow this number even though I have it blocked has called me repeatedly now for three days non stop. I don't know how it is getting through. I looked it up and see it belongs to RGS Financial. I never heard of this place, have never done business with this place, never signed any contracts with this place. Apparently they are scammers when their number comes up as spam. They have been hammering my phone calling with that number since Monday even though it is blocked on my phone. That in it's own right is illegal to do to circumvent the block.
Consumer complaint received 2024-01-08
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. (NY)

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 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 : 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 2021-08-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Portfolio Recovery Associates, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (AZ)

XXXXXXXX XXXX  emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in XXXX days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. XXXX XXXX  is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to XXXX XXXX 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to dynamic recovery solutions LLC
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I have Tried To Call Vanilla Gift Cards All they do is Ask For Questions I don't Feel Comfortable answering For A Gift Card. For XXXX Dollars I have spent 5+ hrs trying to get this corrected.
Consumer complaint received 2021-09-15
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. (TX)

During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly XXXX with no success in resolving this issue.
Consumer complaint received 2024-01-08
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. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES. - DATE XXXX XXXX XXXX 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 2020-10-07
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. (NV)

Due to covid, I am sure you are backlogged, however, there are some accounts that do not belong to me. I can assure that I am not a credit repair company, though I am really concerned that there are items on my credit report that do not belong to me. Please remove immediately. Thank you.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (ND)

For the past 3 months, I have been applying credit card from different banks and they all denied it. I signed up at credit karma to check my credit scored and I find out someone had used my social security to signed up credit card at Discover Bank. I called the bank to report the issue, they told me they will mailed me a report letter for me to sign and mail it back to them so that they can start their investigation. It 's been like 3 months now, no letter and I kept on calling them but they always tell me, they will mail it to me within a month but have n't received anything yet. The worst part is because they have my number now, they called me to inform me that I had taken credit card from them since XXXX XXXX, 2014 and I have n't made any payment yet. I want you to help me talk to them and resolve the issue so that, that thing will waive off from my credit report. Thank you
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-09-16
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)

I was a victim of TransUnions credit inquiry issue. TransUnion removed all of my inquiries and re-inserted them back on my credit report. I called and spoke with XXXX at TransUnion. She could not help me even after I mentioned the FCRA law to her multiple times, Section 6.11 of the FCRA states that ANY items that were deleted and then reinserted, i must be notified. I did not receive a letter and was not notified on this matter! 

The Credit Inquiries that are on my credit report are as follow : XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Fcu - Inquiry date XXXX XXXX, XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX  XXXX- Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Card - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

Sent A Debt Validation Letter To Company Caine & Weiner, Company Has Still Not Submitted Proof That I Ever Signed Any Documentation Or Entered Into Any Agreement With Their Company And/ Or That The Company Is Licensed In The States That I Lived. Company Is Not Licensed To Operate In The States Of FL, Texas Or North Carolina. Company Has No Legal Right To Try And Collect On Alleged Debt, This Collection Account Needs To Be Removed From My Credit Report Immediately.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

Our XXXX had a " deposit relationship '' with Wells Fargo Bank in XXXXXXXX XXXX for several years by XXXX. She had a specific pattern of writing checks and making withdrawals. The only large checks she wrote were for her charitable contributions and to pay her income taxes. 
Beginning in XXXX XXXX XXXX, she made several transactions that were completely " out of character '' for her and Wells Fargo did NOTHING to stop her. They only closed her accounts after she had lost over {$80000.00} to scammers. They claim they did " recover '' the final check she deposited into a stranger 's account by " convincing '' him to return the money. 
At the time they closed her accounts for " business reasons '' ( because they suspected she was being scammed ), they DID NOT file a " Suspicious Activity Report, nor did they make a referral to APS or XXXX XXXX XXXX XXXX 
Because of this neglect, and failure to report, she went on to lose an additional {$320000.00} from her XXXX XXXX  accounts to the same scammers plus some new ones. ( XXXX did NOTHING to stop her ; we will open separate complaint for them ). 
We filed a lawsuit in XXXX Superior Court due to the Probate nature of our conservatorship. The bank was able to get the matter moved to the Federal Court and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 
We have attached all the exhibits we filed in our lawsuit. We have also attached the order for conservatorship and our letters. 

Respectfully, XXXX XXXX, XXXX for XXXX XXXX XXXX