davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc. (NV)

I moved out of XXXX XXXX XXXX XXXX XX/XX/XXXX due to a XXXX XXXX issue I was going thru I had numerous police reports and the regional manager agreed to let me out of my lease without penalty. I myself paid for the apartment to be professionally cleaned before turning in the keys. Weeks and months went by before I ever heard anything back from the complex before one day getting a call from their collections agency threatening if you dont pay this money back you wont be able to rent a place anywhere when I asked what it was for? She stated that the manager said the unit wasnt ready for the next tenant to move in and they had to have it cleaned. I advised the woman to not call me again since I knew the unit was left in impeccable condition, the same lady still continued to call about 3 more times on different days. I tried talking about this with the XXXX XXXX manager XXXX and she was very rude and provided no support whatsoever.. AT THAT TIME XX/XX/XXXX nothing had been put on my credit .. now XX/XX/XXXX they just recently placed a debt amount on my credit .. which I felt they waited to long to do & is wrong because I have pictures and videos that the unit was left clean.
Consumer complaint received 2024-02-23
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (AZ)

Company reports derogatory collection As medical debt company can not provide verifiable copy of original contract or receipt of service, Company refuses to provide debt validation as requested my XXXX has been used without my consent in the past 6 years without my knowledge credit alert on file since XX/XX/2013. SSN is not enough to prove debt validation without copy of original contract from original creditor to validate actual existent of original debt/contract. Numerous attempts for validation have not been met.
Consumer complaint received 2021-09-07
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. (GA)

Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.
Consumer complaint received 2020-01-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (AZ)

On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named XXXX XXXX XXXX XXXX I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
Consumer complaint received 2020-01-09
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 — Their investigation did not fix an error on your report
Company: Innovis (TX)

On XX/XX/XXXX, I sent Innovis a dispute regarding an inaccurate account listed on my report from XXXX CC. Innovis showed the account was " estimated to be removed from my report XX/XX/XXXX. '' I disputed this date because I could not determine whether or not it was accurate. Innovis did not show the date of first delinquency or a monthly payment history for the account. I disputed the entire payment history and the date of first delinquency for being incomplete. On XX/XX/XXXX, Innovis responded to my dispute and said everything was verified as accurate. How can information that is incomplete or missing be verified as accurate? It's simply not there. Innovis can not determine the date the account would be removed without at least one of these pieces of information. Due to their response, I maintain the account is not compliant with the FCRA because it is lacking critical information. In addition, Innovis violated my rights by not correctly investigating the account and removing it.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the company Jefferson Capital Systems has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX This company has committed fraud stating my MIDDLE name and has account older than 8 years since XXXX went under in XXXX. They stated I opened the account XX/XX/XXXX which is false since the original company went out of business over XXXX years ago. 

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

So Im pretty sure this is been going on longer than that because Wells Fargo Im pretty sure they were taking advantage of people and low incomes to thats a perfect scheme because Im one of them so I had an account from XXXX to XXXX And I get these checks it says because it inquiries which means they did something wrong and they definitely did because they forced me to close my account seeing if some fraudulent checks when really I go was getting XXXX money from XXXX so I have no idea what they were talking about I had to go to to the bank and to wait two months to get money that was mine they still try to tell me I owe them when I dont its impact my credit too had to go to XXXX give them my new bank etc
Consumer complaint received 2020-01-02
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: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to. Please investigate this and have this removed immediately
Consumer complaint received 2020-01-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I opened an account with HSBC then I transferred all my savings to their 'Online ' Saving Account ( HSBC Direct Saving ). 

Later, HSBC suspended my account because I tried to transfer some of my savings to another bank ( XXXX ). 

Now, HSBC wants me to drive to the nearest branch to verify my identity, and the nearest branch is 5 hours away. 10 hours in total. 

Currently, my account is locked and can't be closed. 

I opened an online saving account, NOT a traditional savings account. Online banks like XXXX doesn't have any branches. 

This is why it sounds odd and ridiculous for requiring me to drive 5hrs to the nearest HSBC branch to verify my identity after I  deposited all my savings. 

My account has been suspended for almost a month already. The money in the account is needed for utility bills and mortgage payments.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XXXX from Bank of America reported account abuse to XXXX stating I owed money to Bank of America. When I phoned XXXX at Bank of America he agreed and sent me a letter stating the error would be removed from XXXX. 

I sent XXXX the letter from XXXX at Bank of America in addition to my dispute about the charge. 

This now has been over 14 months and XXXX is refusing to remove this incorrect reporting by Bank of America. I have phoned both businesss repeatedly to no avail. 

I am prepared to sue both companies as this is affecting every aspect of my life causing undue stress. I can not open a bank account, get housing, loan or student funding for college. 

My identity has been stolen over two years ago in addition to XXXX does not have the correct name for me. I believe this is incorrectly on my report and XXXX has made a gross error in addition to Bank of America.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (IL)

I made 2 carpenters, XX/XX/2022, in three days later XXXX illegally repoed my car. They said it was because I defaulted on my well no it wasnt. They have a bad accounting practices. Here is my bank statement from XX/XX/2022 and heres their statement from XX/XX/2022. I didnt make my two parents they never recorded them!! 
I will see you guys in court since you have avoided your own contract. Theres no arbitration. Have a nice day.
Consumer complaint received 2022-12-26
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. (AL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-01-09
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)

These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2022-01-29
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. (FL)

Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to XXXX WITHOUT my written consent. They could not verify the alleged debt and the XXXX are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.
Consumer complaint received 2022-12-26
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. (AL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (TX)

These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2017-05-17
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. (MD)

I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported.  XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

Experian will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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 2020-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (NY)

Source recievable management PO BOX XXXX XXXX, NC XXXX I have been recieving calls on a XXXX XXXX that I owed ... The collector calling me was rude right as soon as I questioned the amount. I have a right to ask about a such a large balance ... I want to be sure that the amount is correct and such and see the chain of debt ... thats not a problem plus it is my legal right. After finally agreeing give me an address she followed with " collection activeties will continue after the validation process has begun '' ... I know this is a direct violation to the FDCPA. fURHTER THAN THAT, HER TONE AND ATTITUDE TOWARDS ME STATING " WELL ITS A HIGH BALANCE AND YOUR TRYING TO DISPUTE THIS ... YOU KNOW THE TABLETS YOU HAVE '' is beyond harassing ... You have no idea what I may have gone through or may be going through ... I am humiliated to be talked to like that ... This is embarassing to be in this situation to begin with ... I am going to be having an attorney help me resolve this if the company is unable to resolve this ...
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I am disputing Amex and Account numbers 1. XXXX 2. XXXX Amex has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.