davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

While looking into my Credit Reports I have noticed the following account had a discrepancy in the last activity section of listing. 
Date Of Account opened was XX/XX/XXXX Account reported XX/XX/XXXX? 
How is the supposed verified information listed on my credit profiles different from one another? Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date PLEASE DELETE These items immediately XXXX XXXX XXXX XXXX Also the XXXX XXXX This account is closed on my XXXX It should be removed from my Experian XXXX and XXXX The debt is closed on all credit reporting agencys, yet its not removed. 

The date the account was opened compared to the amount of late payments makes no sense. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-10
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act 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 2018-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CA)

I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX? 

Below is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.
Consumer complaint received 2018-12-20
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)

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I have a previous complaint open and it is not resolved. I was advised to provide my credit card statement analysis in a PDF format. The previous complaint number is XXXX.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We took a {$60.00} cash advance in XXXX, XXXX. We have now noticed that at about {$8.00} a month in interest since XXXX we have paid over {$500.00} in monthly interest charges on that advance. In addition we now have a principal balance of XXXX for that advance, comprised of past monthly interest that was not calculated in the minimum monthly payment. Capital One Customer Service claims this is normal and that not all of the cash advance interest was included in the minimum payment calculation they used. That {$60.00} cash advance has cost us over {$800.00}, and would have exceeded {$1000.00} if we continued to pay the minimum amount. I feel that the way they calculated the minimum payment to not include the full monthly interest amount was an intentional method to increase interest charges, and paying over {$1000.00} on a {$60.00} cash advance is unethical if not against state or federal regulations. Additionally we only attached the statement for XXXX, XXXX and our latest statement XXXX, XXXX since all statements would exceed the 50 page limit. That is the only cash advance we have ever taken, and the current principal is on the latest statement.
Consumer complaint received 2023-03-10
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. (OR)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Good Afternoon, To whomever reads this, I need some help with about a dispute that I am falsely being accused of owing to an allotment company called Transworld Inc. There company claims that I own them for a bill of XXXX dollars since XXXX from a claim from a XXXX  energy company called XXXX to which their claimed money from me in XX/XX/XXXX. But the problem with that is never used either of these companies in my life ; especially since Ive never rent, owned, or stay in a place with a utility bill in my life as of right now. And during that claim, I was stationed and living in XXXX, XXXX  at the time of the original bill. I keep trying to dispute this claim to the credit company, but I am consistently not getting an answer to my problem or to even getting this problem resolved. This current discrepancy has brought my credit score from XXXX to XXXX, and at this current rate, this problem will grow to be more damage that what its worth. Please as much as you can. 

Very Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (KY)

I checked my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (FL)

this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP
Consumer complaint received 2018-11-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I have had a safe deposit box at a local Chase bank for the past three years and based on my interaction with a bank agent today I have to wonder how they are able to function with so much misinformation being spread by their agents. I went to the bank last week and made a partial payment for my safe deposit box and was told I just need to pay the remainder of the cost by the due date which is this coming Saturday. I also learned that in order to qualify for a discount as a Veteran I would need to open a personal checking account, which I did when I made the payment. 
the agent who called today seemed to be clueless about all of this and told me that I do not have a personal checking account with Chase and therefore will have to pay the higher cost. She also told me I would be charged a fee ( she received an email from one of the corporate offices about this ) for not paying the full amount. 
This has got to be stopped and it reminds me of a similar situation two years ago when I cam in and paid the fee with cash and subsequently kept receiving notices telling me I didn't pay the fee. How can a major bank get away with all of this nonsense????
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I I haven't had a freeannualcreditreport in years I try to request an annual report online and it stated I wasn't giving the correct information so I called an XXXX number with XXXX I tried again it went through the steps to identify myself and they gave me a incorrect first name all together not even close so I gave me an option to give my correct name and I did but the annual credit report that I requested through the mail was never received instead I received a letter stating that they still could not identify me and I would need to contact you I need to know what steps to take next and what can be done and how this happened who and why and where and how it can be fixed please
Consumer complaint received 2019-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

1. I have tried on numerous occasions in the month of XXXX and in XX/XX/XXXX sent certified mails to these credit bureaus and the credit card companies about these inquiries and to have Trans-union to delete out this unauthorized inquiries from my report but to no avail. I have mailed several letters I found XXXX, XXXX / XXXX /XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX , XXXX /XXXX, XXXX / XXXX, AND Transition and all these credit companies have refused to delete this unauthorized inquires from my credit, I do not have any accounts with them, have asked them to show proof that I authorized this or else delete it. I have an excellent score and am not trying to have authorized information and or inquiries on my report. 

Please use your good office to contact them to delete this information from my report. 

2. On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : 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, XXXXT XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXXXXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply. 


3. XXXX On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : 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. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

I opened account on XXXX with {$25.00} those founds were available when I received my debit card on the XXXX which I used on the XXXX to make a purchase. Also on XXXX I deposited my pay check via mobile app. These funds have cleared my employer bank account XXXX XXXX on the morning of XXXX. After I questioned why the was holding my funds until Tuesday the XXXX via phone call on the XXXX they blocked my account. When I call to find out why they will not give me a reason other than review. I asked why they waited until I deposited my check to place under review they will not give answer. Asked to speak to supervisor they place you on hold for a few and say well there not available they will call back yet I get no call back. I said I need the supervisor now please they said we can hold the line for XXXX minutes after that I have to disconnect. After XXXX minutes she came on sorry no supervisor available call back tomorrow have a good day and hangs up. You already have to wait on hold for someone to answer for XXXX plus hours I believe they are stealing peoples money
Consumer complaint received 2018-12-20
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. (FL)

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2023-03-10
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-12-20
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. (IN)

I have disputed multiple fraudulent or innacurate items on all three major CRA 's ( XXXX, Equifax, and XXXX  ) over the last year to clean my inaccuracy 's after identity theft. XXXX  and XXXX   have been willing to successfully remove fraudulent and inaccurate entries that either never belonged to me or were opened without consent from me otherwise reported inaccurate information such as address information and name spellings..Equifax, however , over multiple attempts to have these corrections made have been unwilling to co-operate to fix these errors and therefore has left me with only them holding false, negative, and incorrect information. I have made numerous attempts and nothing has been removed or altered. The incorrect Information needs to be removed and the investigation by Equifax should have had the same outcome as the investigation by XXXX and XXXX  - as all the CRA 's are receiving the same information presumably from the investigation. These mis-informations and unwillingness to remove the items are hurting me financially and aren't my responsibilities either. Equifax also placed a fraud alert on my report without my asking for it - even though they will not remove false information ( addresses I've never lived at, collections accounts that don't meet requirements of FCRA and can not be validated, names I do not go by and that belong to someone else, etc ) PLEASE HELP!