davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I got alert from Experian that my credit score dropped tremendously I then logged in my account to see why and there was no changes on my account i have made all my open accounts payments on time and there was no collection added on on my credit report so there has been a credit score reporting error to my account i also contacted XXXX XXXX and the informed me that they do monthly report my on time paymants to Experian credit bureau.
Consumer complaint received 2022-11-03
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. (GA)

I was applying to see what I was preapproved for with XXXX  XXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Berlin Wheeler Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Berlin Wheeler Inc, continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-12-30
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: Atlanticus Services Corporation (OH)

XX/XX/2022 XXXX/ASPIRE account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

- XXXX, Date Opened : XX/XX/XXXXXXXX  REPORTED TO Equifax, last day of payment XX/XX/XXXXXXXX  Collection account with a pass due amount showing {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX XXXXXXXX, Date OpenedXXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( XXXX ). Accounts : XXXX, XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Several months ago I removed an unused bank account in the app so it would stop auto paying from that account and instead paid manually with another account. 

on XX/XX/22 Synchrony readded that old account to my account and tried to pull the payment from it resulting in a reversal and insufficient funds fee. As soon as I noticed this I immediately paid the bill due manually and tried to remove the readded account but there is no way change autopay in the app. 

On XX/XX/22 they did the same thing. 

On XX/XX/22 they closed my account with no notice and took my rewards balance.
Consumer complaint received 2022-11-03
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)

I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The above inquiries are unauthorized by me and are inaccurate.
Consumer complaint received 2024-01-12
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. (CO)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Every summer I go on a trip to XXXX XXXX to visit family and friend and 4 months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo XXXX and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was about XXXX XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX told me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc (GA)

I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX  XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited XXXX XXXX  to them advisXXXX XXXX XXXX XXXX XXXX  Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

Experian failed to investigate my dispute towards an account. They have failed to verify and also did not send me any method of verification on the account. it's been too long and I've received no response! before they would send stall letters, now they did not send anything at all.
Consumer complaint received 2023-05-18
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. (KY)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

Discover card was informed for, months by me that charges were on my card from companies of which I did not authorize to charge my card., instead of fixing the situation they allowed it to escalate into a situation wherein multiple unauthorized charges from XXXX, and other entities were billed to my card. 

They claimed that because the bill continued to be paid after these charges were made although I notified discover multiple times for months that something was wrong that they will not reimburse me as the promised.. 

The charges are fraud, not made made nor authorized by me.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (WI)

I got a loan from XXXXXXXX XXXX  in XX/XX/XXXX, after 1 month they sold it to Stone Gate, my mortgage payment was {$990.00} ( principle interest escrow ). After a year they sold it to Home Point XXXX  I was paying this amount till XXXX when i sing up to pay the taxes in my own. Since XXXX I`m paying {$600.00} ( principle and interest ). In XXXX of XXXX Home point split in 2 diffrent company and since XXXX of XXXX all my payment of {$600.00} wasn't recorded as mortgage payment and they are saying that i didn't made monthly payment and they are charging late fees and extra interest. I never missed a single payment. I been calling in last 2 months but not able to fix the problem, any time i called they give me diffrent answer. English is my 2nd language and i strongly belive they are using that to there advantage. I have pulled all the records from city for property taxes and all records from bank that i made the payment but nothing satisfied them. I`m hope lease and I`m afraid that they will take my house way and i`ll be home lease. 
Thank you, XXXX XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

National credit systems came after my husband and me for an alleged debt that we do not recognize or find fair and proceeded to dispute it. we asked for the debt to be verified and validated according to our rights but instead kept receiving documents and a letter stating that this alleged debt was " validated by the original creditor '' which does not provide us with any proof of owing this alleged debt, but instead kept ignoring our request for proper documentations and asked us to provide them with documentations. They also stated in their letter that they would delete or not report any of this to the major credit bureaus while in dispute which was untrue as they did and now our credits are being affected for a debt that has not been validated or verified according to our rights. We have sent all certified mail and kept copies of their response specifically stating that they would delete or revise all reports they might have made to the credit bureaus and instead failed to do so without any written notice. This has caused my husband and me a lot of stress and damage as we were in the process of attempting to purchase a property. This is in clear violation of the Fair Credit Reporting Act ( FCRA ) of the Agency 's failure to follow guidelines for handling disputes. as well as Failing to send us notifications about our credit report.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Action Revenue Recovery, LLC (TX)

I was notified of changes in my report. I log on and see FIVE collection accounts listed that were from XXXX and included in bankruptcy that was discharged in XX/XX/XXXX. I contacted the company and was told they would correct the issue. Then they called back and said they needed proof and more documents and they would " review '' and decide. It is a violation of Federal law for them to be doing this. I stated I would file suit and these need removed. I was told they offer a service to remove them. That is extortion and another violation. Additionally this is a XXXX violation because she stated they have my medical records and can send them to me.
Consumer complaint received 2022-11-03
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. (AZ)

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (AL)

This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. 

XXXX XXXX XXXX XXXX XXXX # : XXXX Opened : XX/XX/2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed XXXX of my credit accounts due to inactivity on my accounts. Last activity was XX/XX/2021. I had XXXX Balances on both card. I had used these card XXXX year they were my oldest card. I only received letters that accounts were closed due to inactivity no other notification no warning that i should use my card other vise would close. This now caused my credit score to drop XXXX points. Which also affecting my line of credit for my business. This caused my credit history length to shortened some XXXX  years. Why would not receive a notice at least. I had been royal client. I am looking for my legal rights as a credit card holder. I feel like I am being discriminated. Their action with out any notice damage my score deeply. They are telling me they won't be able to re open my account. LosXXXX XXXX  years of credit history and cant even access my account statements just wiped out. Please Help. 

Thank you