davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (WI)

This complaint is regarding an account i have on my credit report from XXXX XXXX XXXX that has a negative impact on my credit report. I sent my first letter to Experian on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 
They have received all my letters, I have not received a response through mail although I have requested it and the account is still on my credit report. 
This has impacted my life in such a negative way, and the stress that has put on my life is overwhelming.
Consumer complaint received 2024-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (CA)

Good morning! I am filing a complaint against this debt company because I had not been properly contacted by them regarding the debt. I also had no affiliation with XXXX XXXX  since XXXX but this account shows that it was opened in XXXX of XXXX with XXXX different dates. I tried to pay this debt as soon as I was made aware of it on XX/XX/XXXX ( I found out by having a company run a credit report to find out why my credit score dropped ) by calling CACI and going on the designated website but I needed a reference number in order to complete the payment which I dont have because they never contacted me.
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent the letter asking Experian, XXXX, and XXXX to investigate my account. Here is my tracking Experian # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im also aware of federal law definition of Charge off ( See attachment ). Im demanding Update my account as Paid as Agreed. 
If XXXX XXXX does not comply this matter shall proceed in Federal Court with prejudice!
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2020, I went to money grand facility located in XXXX NY XXXX to sent XXXX dollars to XXXX XXXX they charge me XXXX dollars for the transaction, unfortunately, the person I sent it to the name I put down was not the same as the ID they had. Usually in my country, they use two first names, middle name, and two last names.I called money grand at XXXX approximately XXXX XXXX in the afternoon on XX/XX/2020, and one of the representatives told me that I need all the information. Again I call at XXXX in the afternoon and the representative told me that she will give me a code number, with that code I have to go back to the Moneygram site to make the changes. The representative told me I wouldn't be charged a XXXX dollar fee again. At approximately XXXX XXXX in the afternoon I show up at MoneyGram with the code to the same women who made the previous transaction for me and she said that in those countries they using 2 names and 2 last names. I told her that two days ago I send like XXXX dollars to the same person and it was not a problem maybe it is because of the amount of money. Finally when the teller changed the first names and last names she told me is XXXX dollars more. I respond to her does not fare beacuse I already paid XXXX dollars for the transaction this is not the first time happen to me in other instances they just change the names and that it all.I have also clarified that this XXXX XXXX conect you to representatives located in XXXX  or XXXX . I try to explain to them several times and they not understand my position.As a resident of the United States paid XXXX dollars extra is not easy paid extra for changing a name, I am not a rich person we work hard to make money and pay our bills.I told those people from XXXX XXXX to conect me with customer services in the USA but nothing they can do about it. I need my XXXX dollars back.
Consumer complaint received 2022-09-29
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)

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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-05
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. (TX)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (AL)

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
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: EQUIFAX, INC. (GA)

Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all 3 credit reports are hurting showing open and late.
Consumer complaint received 2022-06-05
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. (TX)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Hello, this is XXXX XXXX, I have hearing problem, I call XXXX help is to difficult, I so apologize for the bank, I dont know why I sen {$500.00} say black cases, and I have call frist time, the manager said good, tell me all can send, I have money in my account more than {$500.00}, this is second XXXX, please help me, I need to pay my bills, the rental, i cant listhank you, please check how worong
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

I was charged by XXXX for an account I never had. After many phone calls and going by the store none of the associates could help me because they did not know why I was charged or for what. I requested the collection agency send me proof of this account such as an agreement and an itemized bill showing what the charges were for but they sent a bill that showed a break down of {$0.00} charge per item with a grand total of {$200.00}. In fact I have another bill showing a {$0.00} balance during the same period that they are trying to collect from. I know these charges are bogus and I figured that they would figure it out as well when they " investigated '' the charges but apparently that is not the case. It is obvious they have not investigated anything or they would have not pursued further. They or XXXX have not been able tell me exactly what the charges are for yet continue to harass me over a debt that simply doesnt exist. I am about to seek legal presentation for this issue as it appears I am dealing with a fraudulent company with poor practices and every organization I contact about this leaves it to the bill collector to investigate their own case rather then step in and see what these companies are doing. If someone really investigates these charges, they will see that I am being fraudulently charged and that this so called account never existed.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware XXXX XXXX is in violation. I am demanding XXXX XXXX to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Self Financial Inc. (FL)

Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware Self Lender is in violation. I am demanding Self Lender to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX from Capital One stated that I have 54 day to make account good. After I deposited money in the account that was overdrawn by 53 days. AFTER I made the deposit Capital One violated my credit rights by stating that my account was charged off but it was not charged off until after I made the deposit and capital one cleared the funds. They have reported my account uncollectable. They even credited the moneyback to my account which mean they are in possession of the funds. This appears as if I did not pay but I did. The typical time frame for a charge off is 60 days. 


XXXX told me that it is federal law that they shut the account down in 54 days. I asked him for the information in writing he stated he could not provide that.
Consumer complaint received 2022-09-29
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. (NC)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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
Consumer complaint received 2022-12-17
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. (AL)

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my Equifax states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360000.00}.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my first endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$800.00} 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 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX : XXXX 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.
Consumer complaint received 2022-06-05
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. (LA)

in accordance with the Fair Credit Reporting act XXXX Account # 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