davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (NJ)

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Account name : XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021 I received a letter from TD bank stating I owed them XXXX because my account was over drawn. I just was release from XXXX in XXXX and have only banked with XXXX XXXX. I filed a complaint with the fraud department associated with the bank. They then gave me a list of number to continue to call to keep my identity safe.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (SC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXXection 605B, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2019-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (LA)

The collection was opened by DEBT RECOVERY SOLUTIONS  on XX/XX/XXXX showing a debt of XXXX$. Giving a super high impact to the credit score. I did have a medical bill for XXXX$ back in XX/XX/XXXX that I was trying to pay off, but I never had ANY medical situations for the past several years, so this collection account is totally wrong and impacts my credit score with a wrong information
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (KS)

Most recent calls from Radius Global Solutions were : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. The numbers they are calling from XXXX and XXXX. Amount they are trying to collect is {$1400.00}. They call me while I am at work and I make sure I tell them that. In one call, they asked if I could make a post dated payment of {$50.00}. When I told them that I intended to make a payment and when, they questioned me my intentions in doing so. I had to block the numbers Radius is calling me from.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-05-03
Product: Credit reporting 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. (MD)

Just called customer service and still sitting on hold! Been on the phone for over 45 minutes now. Not only did I call to request an XXXX  person to refresh my profile and account because myself and any creditor I'm trying to obtain information for loans, etc., when they pull my report can not see anything of substance. According to the customer service rep, when I call out creditors that should be on my credit report, they say it is there and visible to them. Then, the rep proceeded to tell me that I did not purchase any of their premium services. Uh, I DON'T HAVE TO! 

I'm still sitting on hold for a supervisor and for an XXXX based issue. So they can see my full report, but myself and the potential credit grantor can not see what they can. They are illegally withholding my credit information. And trying to make me purchase their services in order to see it. Or they want me to have a paper copy mailed to me. 

NO! I should be able to see my entire credit report by logging online on my account. 

I'm supposed to be getting ready for work! They are costing me time, money, unnecessary stress and financial detriment. 

THIS IS NOT A DUPLICATE FILING! READ IT!
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, Wells Fargo Bank reversed a provisional credit provided to me. Wells Fargo admitted in a telephone call on XX/XX/XXXX, that they did not investigate the complaint in that after the chargeback was initiated they never contacted the original Merchant. They never investigated the claim and removed the provisional credit despite my sending them evidence to the contrary. I clearly prove damages I have a recorded phone call if anything that they violated visas  policy by doing the reversal and now I realize that they violated federal law because they never meaning fully investigated the matter.
Consumer complaint received 2021-12-20
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: CLGF Holdco 1, LLC (FL)

1. Received notice of approval for credit card I never applied for on XX/XX/XXXX with Genesis FS Card Services who do business with XXXX XXXX XXXX 2. Called on XX/XX/XXXX when received a bill them in the amount of : {$3800.00} for XXXX items purchased from XXXX I never purchased to speak to their fraud department and was told they could not transfer me after dialing the customer service number on the statement : XXXX I then asked for the direct number to the fraud department and was given : XXXX which redirected me back to the same person who answered the customer service number. So they now have my home telephone number.. 
3. I went to the website for XXXX and see it is a company in XXXX, upon seeing this I am going to assume this is a scam that is all related and I have no idea how I will get out of this. However, the voice of the person who answered the Customer Service number for the credit card sounds just like the person who I spoke too when I had an account with XXXX XXXX which I paid off in XXXX and for very close to the same amount I am being charged now by this new credit card company. 
4. Should I call XXXX about this being that they are in XXXX? 
5. Please tell me what to do? I never had this happen before. 
6. I am a XXXX XXXX.
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

When I purchased my vehicle my credit score was not the best. Chrysler Capital charged me a very high interest rate to get my vehicle loan. The interest rate was between 16-17 %. 

Unfortunately the monthly payments for this loan has become very hard for me to make. I have called and spoken to Chrysler Capital several times to request my interest be lowered and explained the circumstances. The only thing Chrysler Capital has offered to is put the back payment to the end of the loan. This loan seems to never get lower and it is still very hard for me to make these payments. All I want is to have the interest lowered so that my monthly payments can be lower and that the loan can be paid off sooner. At the rate of 16-17 % this vehicle will never be paid off and the car is way underwater. 

Chrysler Capital will not assist me with this. They have right out said no we will not refinance nor will they lower the interest rate on this loan.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HoldCo LLC (TN)

On XX/XX/year> I was scammed by a person posing as XXXX customer service. The person told me that my money was being taken by a person using bitcoin and XXXX. I was dumb to all the language and did not have a clue but i knew someone was taking my money through XXXX  online account and i thought i was reversing a transaction to get my money back. I put $ XXXX in the machine and was mislead. See attached letter.
Consumer complaint received 2024-05-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KP ASSET CONSULTING LLC (OK)

They sent this text to my personal number and to the number that notifies my entire company on XX/XX/2024 XXXX : We are following up on a letter that was sent to XXXX XXXX regarding file number XXXX. This gave you an opportunity to exercise your legal rights. Please contact XXXX XXXX to verify you have received the letter. He can be reached at XXXX reply STOP to opt out There was no letter sent to me prior to this and if there was I never received it, there were no phone calls prior to this text either and if there were no one left a voicemail to call back. 

When I called the XXXX number a male answered the phone and was described to me why they contacted and I stated that I was in the process of filing bankruptcy and he immediately was aggressive stating that it didnt matter because that doesnt apply to them and when I asked why they had contacted my job and he stated that they were about to come to my job and serve me regardless and would not let me speak after that saying that I can have my attorney contact him directly and hung up on me. 

I eventually got in contact with someone else and tried to resolve the account and set up a plan to take care of the said debt until my bankruptcy clears, after the phone call was over no one sent over paperwork to prove the debt, no paperwork was sent confirming any resolution plan so I froze my card because I believed it was fraud, they had called again about my failed payment and I tried calling again and didnt get contact to the previous person I spoke to about the resolution. I called the next morning informing them via voicemail that I would be reporting them due to their actions and got no response or call back.
Consumer complaint received 2023-01-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$380.00}
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in 30.
Consumer complaint received 2024-04-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

been a victim of an stolen interest promised by this kind of financial institution Rep. by phone on XX/XX/XXXX. Since Wells fargo bought Wachovia, problems began with the interest in my accounts,. the CD account was renew on XX/XX/XXXX by a phone call wellsfargo Rep promised me with higher interest in the market APY of XXXX and when I received the maturity date for XXXX moths holding {$60.00} I received only {$1500.00} ( XXXX ), Then a Rep. from board of directors increased to APY XXXX which is not enough to cover my lost of the APY XXXX promised, I called and the assistant told me i was at XXXX APY not the XXXX as I received in the offer when renew it, also my money market saving with more than XXXX since XXXX they only pay me {$1.00} ( XXXX ) so I think how this is happen and there is no control at all of this kind of misleading activity, if {$1000.00} credit loan is p to XXXX APY by any creditors institutions including wells Fargo Bank N.A promoting in their locations and website a Platinum saving with {$10000.00} at XXXX XXXX ( Pictures attached ), I tried unfortunately to be in contact with the case manager ( XXXX XXXX and others at XXXX XXXX XXXX XXXX ) to adjust my money saving account with this XXXX advertized. I need your assistant in other to recover all my money lost and stolen from this kind of financial institution and help others in my same situation.Wells Fargo XXXX, XXXX they know my cases, i sick and tire calling different Reps several times in other to resolve this big problem in good faith but no answer or returning call. I expecting your prompt assistant and resolution in this important matter to stop this kind of misleading with my retirement funds.
Consumer complaint received 2023-01-20
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-20
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. (IL)

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve this issue. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file : this item above should be removed from my report immediately. Please note : XXXX XXXX XXXX XXXX I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Consumer complaint received 2023-06-27
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-21
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: ACIMA CREDIT, LLC (GA)

To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Consumer complaint received 2019-09-08
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. (NY)

Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there