davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (GA)

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX XXXX - XXXX Experian XXXX XXXXXXXX
Consumer complaint received 2019-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

For about 8 months, I have been getting recorded calls asking for someone other than myself or anyone in my family, ( sounds like XXXX XXXX ), I assumed they would fix the problem if I didn't call back, since it is not me they are asking for. The other day I finally called to explain to them they had the wrong person and to take my number off their list, I don't know this person, As I was speaking the man says oh ok, by the way is this XXXX XXXX, Then he proceeds to tell me I have a XXXX outstanding CO pay due with his collection company, GLA Collection Company,  To start with I pay the CO pay at the time of service, so this can not be true, and second is this tactic legal? Please let me know how I should proceed.
Consumer complaint received 2022-05-31
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. (GA)

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2022-05-31
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: ENCORE CAPITAL GROUP INC. (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MD)

Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

We attended a 90 minutes time share presentation onXX/XX/2018 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during our family vacation.The name of the company was XXXX XXXX. While reading the contract, the people asked us to provide them a valid ID and our credit card.My husband told them not to charge anything on our credit card until we sign the contract.We did not sign anything but they charged our credit card in the amount of XXXX US dollars ... We filed for dispute when we saw that they charged our credit card that amount hoping that Citi card would not pay them.Citi card did their investigation, we provided them our letter of what had happened why we filed for dispute ... On XX/XX/XXXX, we received a letter from citi card saying that they are unable to assist us because that was a face to face chip card transaction, that we had provided our credit card to the merchant and they had inserted our credit card into their chip card reader so citi card held us responsible for this charge. We called them many times, explaining to them that we did not signed the contract but they told us that the investigation was closed and that they could not do anything about it. They sent us the bill amounting XXXX. One lady told us from citi card that we need to contact the merchant directly and tell them to refund the money to us directly because they already closed the investigation. 
We did contact the merchant on XX/XX/2018 and we emailed to them the letter that we recieved from citi card dated XX/XX/2018 because they asked for it.The manager named XXXX XXXX told us on the phone that citi card had withdrawn the money from their bank account, so my husband asked, how could that happen? We called citi card if they received the whole amount from the merchant but citi card employee said no, they did not received anything from the merchant. 
Please.. please ... please ... we need your help to solve this problem, we feel so helpless ... 
We attach all the documents concerning this issue on the next page.. 
Thank you so very much and we heartily hope that you can help us .... We don't want to pay the amount that we never use and we don't want our credit be ruined by this incident ... 
Hoping for your kind consideration and understanding ... XXXX bless.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (FL)

After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.
Consumer complaint received 2020-02-14
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. (NY)

In XX/XX/XXXX, I sent Trans Union a dispute challenge letter disputing an account that is currently reporting inaccurately. 

Account : ( XXXX XXXX XXXX ) I identified to transUnion the following inaccuracies and unverifiable information currently being reported. 

: Last date of activity : inaccurate, a violation ; as a result account must be removed at once. 

Last date of payment is inaccurate ; last date of payment was in XX/XX/XXXX, of which is reflected on my bank account statement. where is TransUnion getting its information from?? please Delete account for  reporting inaccurately. 

: Last reported balance is inaccurate, and unverifiable. Please delete this account at once.
Consumer complaint received 2018-09-30
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. (TN)

I submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: EQUIFAX, INC. (FL)

When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (LA)

On XXXX I received XXXX emails from Wells Fargo Bank regarding a checking account that was opened on XXXX through their phone center. I did not open this account, but was able to obtain what information the individual opened the account with. My name, social security number, email address, and mailing address were correct but the Louisiana drivers license and mobile phone number were incorrect. I contacted Wells Fargo to report this account was opened fraudulently. I live in XXXX, where there are no Wells Fargo accounts and the individual entered a XXXX XXXX mobile number and used a XXXX  drivers license number. Wells Fargo stated that it would take up to 45 days for their fraud team to address this issue. XXXX was the representative that I talked to by calling XXXX. She is in the XXXX XXXX department and gave me a case number XXXX. I have contacted all three credit bureaus regarding this.
Consumer complaint received 2018-09-29
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)

In the dispute results of report XXXX-XXXX-XXXX for XX/XX/18, you stated in writing that you stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MS. XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.experian.comXXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX  XXXX about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act acceptance now 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.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

XXXX credit reporting that a Citibank underwriter has falsified my credit information. I have shown the XXXX document to the local Citibank office at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. I was told they can do nothing about this. 

It is imperative that an outside agency, such as the CFPB, begin an investigation into the matter.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC (OH)

Flagship credit acceptance LLC, is not reporting to the credit bureau. They also have opened another account in my name without my permission. They closed out my original account and my loan is going up not down no matter how much I pay. I owe more on the car than the lease contract says. They always adding late fees every month even when I am on time. They do not provide you with accurate information. The reps are very rude and disrespectful. They disconnect calls when youre asking for a manager or information. They are not concerned with your concerns just money. They have not reported to the credit bureau since XXXX of XXXX. I purchased the car in XXXX of XXXX. I was told by a rep I didnt get my car until XXXX. I had to call multiple times to get the contract sent to me. This company is horrible and I cant even trade the car in. My credit is showing one account open and another closed. Flagship has changed my loan amount. I did not sign a new contract nor did I give permission. They have committed fraud and will not let me out of this contract. Multiple people are having the same issues with them. They only put XXXX towards my principle and the rest to interest. I pay XXXX monthly with a high interest rate. They do not provide you with information about your account. I was told they have two accounts because they switched systems. Again I didnt sign anything
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (GA)

I was overdrawn in my Regions Bank account only {$6.00} and when I woke up I was overdrawn {$78.00} due to an overdraft charge of {$72.00}. Previously I have been overdrawn and was only charged {$36.00}. My complaint is that the fees change and dont make sense, I spoke with someone at the bank the last time and was told that an overdraft is applied to each transaction but the amounts still did not add up. I have also been charged {$100.00} in overdraft fees when I was overdrawn {$60.00}.
Consumer complaint received 2023-06-24
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  Balance Owed : {$56.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Consumer complaint received 2022-05-31
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX XXXX  XXXX Account 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 an account without my written instructions
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

On XX/XX/2024 I was notified by XXXX, XXXX and XXXX that a collection account was added to my credit report. I never received any communication from JEFFERSON CAPITAL SYST about a debt being owed for the amount of {$2300.00}. I was only notified by the credit bureaus when it showed up as a collection on my credit report. This company is listed as a debt buyer and they are in violation of notifying me of my right to dispute this debt.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX  reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

XX/XX/XXXX Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made. 
An investigation of your claim submission and account details concluded that this is an authorized transaction and no error occurred. 
For your reference, we have included a summary of the transaction ( s ) we analyzed in making our determination. In addition, we also reviewed your account/transaction history and profile settings. As a result, your dispute was denied. 
Thank you for your time and patience while we collected this information. 
Thank you, XXXX Cash App Support Date Status Amount Last XXXX of Card Type Statement Description Instrument Variant XX/XX/XXXX at XXXXXXXX XXXX  XXXX Captured {$4400.00} XXXX Card Present Purchase XXXX XXXX XXXX