davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I entered into a repayment ( settlement ) agreement with American Express with repayment terms as follows : * Balance : {$7600.00} * Term : XXXX XXXX * Due : XXXX of every month or the following business day if XXXX is a weekend or holiday * XXXX XXXX XXXX : {$380.00} ( Due XX/XX/XXXX ) * Pmts XXXX : {$210.00} ( Due XX/XX/XXXX ) * Last XXXX Pmts : $ XXXX I have paid on-time and as agreed, beginning XX/XX/XXXX when the repayment plan began, and again on my XXXX payment in XXXX. 

American Express is still reporting my account to the bureaus as " 120 days late in April '' and " 150 days late in May '' and they are also adding late fees to my account still. 

This is because the settlement is handled by a separate department internally and doesn't seem to communicate to the " other '' customer service department. 

When I call in they route me back and forth in a circular fashion stating " I can't help, check with this department ..., '' etc. 

I am requesting they update my account status to the bureaus to accurately reflect I am paying as agreed and on-time since we began the settlement and repayment terms, and to stop adding late fees for payments made on time under the new agreement.
Consumer complaint received 2020-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (NY)

XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.
Consumer complaint received 2022-12-30
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. (PA)

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 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX  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 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 2021-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc. (IN)

Access Management is the name given. The number they are calling from is XXXX. The caller ID is ACESSRECVBLES.It 's a robocall. This is a landline they are calling. 

They call almost daily. My experience is that they are fishing for a debtor by using the least expensive, laziest methods. One of which is to simply robocall anyone with a similiar name using a computerized database. I know of no debts that me or my family owe that are outstanding. Googling this company does bring up the name of a supposed " ethical '' debt collector. 

If a debt collector calls me wanting to know if so and so can be reached at my number, I tell them that I will let them know after they pay {$15.00} to my XXXX account. They usually unceremoniously hang up.
Consumer complaint received 2021-03-17
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. (MI)

There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I came to the Wells Fargo establishment in XXXX. Store location XXXX. The service manager XXXX XXXX XXXX XXXX XXXX refuses to give me my money. 

I arrived to the bank the first time to withdraw {$3500.00} and she XXXX XXXX XXXX XXXX said I needed my drivers license I used to open my account ; even though I had my ID with the same address on it. Ive also withdrawn money using my ID previously. 

I went home and came back stood in the long line with the appropriate credentials ; I was called by a gentleman teller who just started his shift because I was in the long line outside when he walked into the bank. 

He told him my request and he was assisting me. I filled out my deposit slip and passed it to him and as He was typing : She XXXX XXXX XXXX XXXX said something to him then told me : that since I didnt fill out some papers that the bank sent me in the mail ( that Ive never gotten ; nor seen ) she didnt even show me, nor offer to get the form for me to see. That I couldnt take out any money from the bank. Bank policy. 

I asked Whats The Policy? She told me you can Only Get Money from the ATM outside. Ive never felt more disrespected in my life. Why? What policy? 



And for the money to be held ; holding me up from my conducting my family business XXXX XXXX XXXX XXXX. is horrible. We have to pay a car off that comes with late fees if it doesnt get purchased within a short time period or potentially lose the car totally. 

I feel violated of some many levels as a man who does good business I like to keep those same ties as this is a new venture that is being ruined on their behalf. 

I felt like I was prejudiced. Treated unprofessionally and stereotyped by the service managers personal beliefs over the consistute over the rules that govern the bank as I expressed my dire need of the funds to conduct major business for my family company. But this is my second trust issue with the bank which is why I changed my direct deposit from them prior to this. 

But to be denied my funds To Run my familys company and conduct my day to day business as a small business owner is vital. But I asked to be treated with decency when I come into the bank in my pajamas before I get dressed for the day. 
As I get treated when I come into the bank with my clothes on. Thats fair, professional, trusted, leading business as opposed to bias based assumptions that cripple small businesses to paperwork!!! 

I would definitely like this bank to compensate me for all lost damages and time and treat me as a valued customer with respect and decency. They made me raise my voice in public to ask a question.
Consumer complaint received 2020-03-13
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. (NY)

XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.
Consumer complaint received 2022-12-30
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the persistent difficulties I have encountered in attempting to remove fraudulent items from my credit report. Despite numerous attempts to address this matter, the inaccuracies persist, posing a significant threat to my financial well-being and causing substantial distress. I have attached my supporting documents including my Driver 's License and Social Security Number.

These fraudulent items are severely impacting your credit score and causing financial distress, providing specific examples if applicable.

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information.

I am requesting for your assisstance to resove this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the fraudulent items.

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$87.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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. (MN)

Equifax is not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of these accounts and have never received any communication from the bureau to show that my requests are being looked into. My most recent credit report shows the following accounts are UNKNOWN no creditor information is listed and these accounts are also showing not in dispute, when in fact they are in dispute. The accounts are as follows : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureau to fix these accounts however, I have not been successful.
Consumer complaint received 2024-04-05
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: CITIBANK, N.A. (CA)

I have been a victim of identity theft since XXXX of XXXX. Over XXXX accounts were opened in my name all around the same time period and all lenders have been notified. In addition I have filed a Police report with the XXXX and reported the crimes to the FTC. Citibank reported XXXX or more accounts in my name that were all opened by fraud and removed all but XXXX claiming the value was too high. I am filing this complaint regarding this decision. It has been determined that fraudulent accounts were opened in my name all around the same time with Citi bank and XXXX account can not be singled out because the " the value is too high ''. This is not acceptable. I have been in contact with Citibank and could not get this resolved.
Consumer complaint received 2021-03-17
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (CT)

I received a letter from the LVNV Funding ( Resurgent ) collection agency in XX/XX/2021, I requested debt verification. The company sent me a copy a statement. The statement was not dated. I received this on XX/XX/2021, I then requested validation of the debt, specifically, I requested that the company supply me with a copy of my signature, verification of the amount currently due and validation that the company is licensed to collect a debt in the state of Connecticut. As of today, XX/XX/2021 I have not received a response. Today I called the company at XXXX and asked for the compliance department. I spoke to a rep there who advised me that all they have is a copy of the statement and the terms. They do not have any additional information to validate the debt they are attempting to collect. Because the company did not respond to me within 30 days, nor validate the debt, I am requesting that they immediately cease and desist any future collection attempts and remove this debt from all three collection agencies within 15 days of today.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CT)

New Rez Shellpoint is reporting a commerical account on my personal credit. This is INACCURATE and needs to be corrected. I have put in multiple requests for them to remove this commerical loan from my personal credit but they are not deleting the account despite assurance that it will be removed.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The credit card was with Wal-Mart when it was switched to Capital One. I had auto-payment with Wal-Mart but the auto-payment was discontinued when it was switched to Captial One and I missed two payments and accrued late fees.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.
Consumer complaint received 2022-12-30
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. (FL)

Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

On XX/XX/XXXX, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. On XX/XX/XXXX. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided. 

Most recently, on XX/XX/XXXX, LexisNexis wrote back to me again indicating they were not able to authenticate me but were able to opt me of prescreened offers which is not what I requested. 

I am attaching LexisNexiss response as well as the original correspondence sent to LexisNexis which, again, included a copy of my drivers license copy of my State issued Driver 's license and Social Security Card as well as the number printed on it. This is idiot proof information that is plain and visible.