davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliance Group & Associates LLC (TX)

XXXX XXXX ( XXXX ) of " Alliance Group Collections '' has called and threatened multiple of my family members in regard to a debt that has gone from {$200.00} initially ( the card limit ) to over {$600.00}. The company refuses to let me talk to XXXX XXXX XXXX  boss about his XXXX of a XXXX XXXX  XXXX girl ( my sister ) in which he threatened imprisonment.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX have 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 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

In XX/XX/XXXX, I reviewed my credit report and became aware of XXXX XXXX. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for 7+ years. 

I sent a debt validation letter to : Louisiana XXXX XXXX ( LRS ) Debt Collection Group XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX this account listed on my credit report : Original : XXXX XXXX  : {$68.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MD)

My name is XXXX XXXX XXXX On XX/XX/XXXX I transferred the sum of {$560.00} to XXXX to assist a friend with her school fees to XXXX, world remit sent me a confirmation on my service complete. It is XX/XX/XXXX and the money never arrived in XXXX. I called world remit and they have been lying and lying and refused to give me a refund. Please help me.
Consumer complaint received 2020-08-08
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. (CA)

I moved out of property that was managed by XXXX XXXX XXXX XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX XXXX and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EXPERIAN credit reporting agency. Experian has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.
Consumer complaint received 2023-01-06
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. (TX)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS XXXX XXXX XXXX DURING A HOME XXXX  BY 4 PEOPLE. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL DOCS AND MONEY. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS
AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE THIS FRAUD INFORMATION FROM MY CREDIT REPORT IN 4 DAYS. 

 FRAUDULENT ACCOUNTS: Account name 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 XXXX XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (AP)

2 days ago I received email notification from credit monitoring that a collection account had been added to my credit report. Upon reviewing my credit report I found that CBE had listed a {$290.00} collection account on my credit report with an original creditor under the name of that I had never heard of before. I never received any communication prior to the email from my credit monitoring system. I do not know the bill or who the agency or creditor. I was never contacted by either prior to or after placing the collection on my credit report. Further the account lists a first delinquency of XX/XX/XXXX. I am an expat and have lived overseas since XXXX. I have accounts that I maintain in the USA but none from a original creditor by the name of XXXX XXXX that's listed on the account. I have had no delinquent accounts of the counts that I maintain in the USA. My payment record has been fawless and this entry ruined a nearly 32 year perfect payment record. This account needs to be verifed and removed from the credit report as it is inaccurrate and doesn't belong to me.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have an Auto Loan with TD Bank I have tried for months to access auto payment via the website and it never worked, so I would have to call each month after attempting to pay on line and set up auto draft to make my payment. They would give multiple amounts even though it was a fixed payment, and I would pay and repeat again the next month .. I would over pay and it would confuse them even more.. I would call every month and repeat the same process .. in XX/XX/2019 I received a credit alert that my payment with TD Bank was late in XX/XX/2019 I immediately called and said this can not be as I go through a hassle every month. They said they see all their system notes but they are automated and it is what it is .. This is poor customer approach as all payments have been made and their site is not operating correctly. I am very disappointed with them and would not recommend or use because of this inaccuracy of their part XXXX each person is so difficult to talk to and never assists correctly and delivers wrong information.
Consumer complaint received 2023-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted disputes to inaccuracies on my credit reports and Trans Union and XXXX have refused to investigate them because they believe " I '' am not submitting these disputes. 

I have provided them with follow up information, ID, and confirmed the information in my credit bureaus and they still refuse to investigate.
Consumer complaint received 2023-02-09
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)

Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XXXX XXXX, 2022/ this does not belong to me
Consumer complaint received 2022-04-18
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. (PA)

I have found that the reporting agencies XXXX Transunion and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d
Consumer complaint received 2022-09-15
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. (FL)

This is a follow up complaint to cfpb # XXXX. Experian is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Experian via the cfpb. Experian has neglected my request. Experian response was Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that your credit report is showing inaccurate information. You are requesting to remove this information from your credit report. Upon further research and investigation, the listed inquiries are not appearing on your current Experian credit report. An updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For any remaining inquiry please note that by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. Requests for your credit history remain on the personal credit report for at least two years. Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading Inquiries shared with others on your personal credit report. These inquiries display on your credit report when it is accessed by others with a permissible purpose. These inquiries may affect your credit score. Other inquiries for your credit information are considered soft inquiries and do not affect your credit score. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! XXXX you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. You are reporting : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX You have XXXX XXXX to block, delete and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Such a big, XXXX XXXX! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$690.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX Late Dates XXXX, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

I purchased clothes from XXXX XXXX XXXX. These clothes totaled {$120.00}. I received them damaged with holes and broken zipper. I filed a dispute because they refused to exchange or refund my money and my bank credited me the amount and now are telling me my claim was denied and I will have to pay it back because of their no return policy, however their policy also states that they will exchange if they send an incorrect item.. I did not order items with holes or broken zippers.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (MS)

I spoke to OneMain financial on Friday when they called my desk line at work. I advised them that my work situation had changed and could no longer have calls at work. I made arrangements to contact them the following week. 

The loan was taken under predatory conditions. I went to them originally to get an extension, as my husband has recently become XXXX. Instead, they talked me into a {$10000.00} loan that I can no longer afford
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE (AL)

On XXXX XXXX my debt collections account was dispute and close by XXXX  report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX  XXXX for XX/XX/XXXX. AVANTE USA  debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX  for XXXX  XXXX XXXX XXXX and it was closed and removed by XXXX  on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX  XXXX XXXX XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gatestone & Co. International Inc. (IL)

On XX/XX/22 at approx. XXXX, I received a phone call from Gatestone & Co. Internation Inc.. A representative by the name of XXXX XXXX introduced herself as a representative from XXXX XXXX XXXX  and that the nature of the call was to collect a debt. I informed XXXX XXXX that my debt from XXXX XXXX  was " charged off '' so why would they be attempting to collect? At this point, XXXX XXXX revealed that she was a representative from Gatestone & Co. International Inc. and that she was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX I expressed my concern about her false representation and my unwillingness to continue the call with her and I ended the call. This false/fraudulent representation makes me very concerned about doing business with Gatestone. I don't trust them or the validity of what they communicate rather verbally, electronically, or in print. I would like this matter resolved by having my debt completely eradicated due to fraudulence.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

-cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-06
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. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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
Consumer complaint received 2023-03-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate This is my accurate address XXXX XXXX XXXX XXXX XXXX, LA XXXX