davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA. 

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from TransUnion stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I reported XXXX charges that were made without my permission to Capitol One - XXXX for XXXX - and XXXX by the XXXX XXXX - XXXX - both in XXXX. 

I filed the complaint with Capitol One directly - and gave a statement in support of my claim. The representative and supervisor stated my balance would be credited for the amounts of these charges pending the outcome of the dispute- which could take up to 90 days. I also submitted documentation - including receipts from another hotel showing I was at that hotel - and not the XXXX. I have since sent a notice of intent to sue to the management of the XXXX. 

Today, I called Capitol One and was told they reapplied the charges because they did not see any response from me. This is incorrect. Not only did I supply proof, I called to follow up Capitol One and reiterate the complaint. I demanded that the balance be credited again and offered 5 times to resubmit the proof. The rep sent 2 new links to upload documents.I asked for a supervisor, and was given XXXX ID # XXXX who claimed Fraud and Dispute XXXX. 

I spent 51 minutes on this call. 

XXXX did not help. XXXX contradicted the statements of two previous supervisors- he claimed that Capitol One did not provide balance credits pending during the investigation. XXXX was hostile, continued to talk over me, was so busy on script, he did not address the issue, he refused to look at the record, he said he was going to " cancel the card '' - I kept telling him the card had already been cancelled ( card ending in XXXX ) ; he continued to ask questions that had already been answered- ie he acknowledged that 2 new links had been sent to me for upload - then later asked did I receive these same links to upload documents. 


I was clear - I am not paying for charges I did not incur. Capitol One continues to provide poor customer service - I want these charges to be removed, and my balance should be reduced immediately as is the policy.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

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

15.U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

-Opened a CitiBank savings account Online early XX/XX/XXXX. 
-Total deposits of appx {$17000.00} were made by a Bank to Bank Transfer ( XXXX XXXX to Citi Bank XXXX 
-Prior to XX/XX/XXXX I was able to successfully withdrew 2 small amounts from the ATM using the Citibank supplied savings ATM card ( No more than {$500.00} total ). 
-On XX/XX/XXXX, attempted a third withdraw, at the ATM and the ATM machine indicated my account was unavailable. 
-Immediately ( XX/XX/XXXX ) I contacted customer service who advised me to call the Fraud department -I then contacted the Fraud Department, who advised me that my account was " in foreclosure '', but they could not tell me why or how to get my funds. They explained I would be contacted, by mail, in 30 to 60 days. -Over the next 60 + days, I have contacted CitiBank Customer Service ( XXXX ) and Fraud Department ( XXXX, Opt 2, Opt5 ) more than 15 times -Each conversation has resulted in the agent either explaining " 30-60 day by mail '' or simply hanging up. All Citibank representatives refuse to connect me with a supervisor or advise another contact point to help me understand the status of my account. 
-Prior to closure, my account had a balance of {$16000.00} -When I call the automated line now, my account balance is ( negative ) - {$16000.00} -My online access is deactivated and I no longer have access to my account number as of XX/XX/XXXX. 
-Through my 15+ discussions, I have been told various information from getting " a letter in 30 to 60 days '' to Getting a Check in 30-60 days, to being told I would not be getting a refund at all. My latest conversation, the customer service member indicated my balance was still in the account and had not been moved, but I can not verify that through any electronic means. 

Now after more than 6 months of attempts to regain my account and/or funds, and also filing a complaint with the OCC, I have received a letter from CitiBank saying they have determined the funds are not mine and they have closed my account and will not release any funds to me. The letter states the case is 'closed ' and they will no longer respond to any further inquiries. 

This was a very simple savings account with only 2 Bank to Bank Deposits for my daughter 's college savings. Now I have no access to the money and CitiBank has stolen the funds and will not return them. 

Attached files : Citibank Responses Claim to OCC and Appeal to OCC Evidence of Transfers from XXXX to CitiBank
Consumer complaint received 2020-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX Actt # XXXX claiming i owe {$6700.00} after paying on XX/XX/2020 {$2800.00} settlement agreement
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

On XX/XX/2022, contacted XXXX ( Originator of debt ) and there is no record of any such debt owed. On XX/XX/2022 attempted to communicate this info to AMSHER but was greeted with abusive language. Currently derogatory info is reported on my credit report. This info us unfounded and not supported by documentation and violates requirement of the Fair Credit Reporting Act. Amsher Collections fail to provide documentation of any existing debt " to me '' .after repeated requests. Amsher knowingly purchase medical debts to coerce settlement/payments from consumers without proof of debt existence
Consumer complaint received 2022-03-21
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: Southwest Credit Systems, L.P. (MD)

I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under Southwest Credit XXXX with both XXXX and XXXX. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but XXXX did not. XXXX said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
Consumer complaint received 2022-02-13
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. (PA)

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX XXXX, and experian to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

WFXXXX is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. WFXXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. WfXXXX  also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting WfXXXX delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Persolve, LLC - Legal - Series 2 (GA)

I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I moved out of XXXX and had to return my XXXX equipment. XXXX does not have XXXX and I needed to ship the equipment back. After XXXX calls in which I was promised return boxes for the equipment, I was contacted by a credit collector asking for ~ {$700.00}. I finally drove to XXXX and returned the equipment and have the return receipt. I was never told that the credit collector was going to file a derogatory statement against my credit. When I was turned down for Student Loan refinancing, the refinance company made me aware of the {$200.00} claim against my credit. This is a false and erroneous claim and there should be penalties for predatory behavior.
Consumer complaint received 2022-02-14
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. (TN)

Its not the company doing! Its the Credit Bureau Reporting doing! Each time my credit score goes up high, their find some old accounts XXXX or XXXX ago and places them on my report like these are new accounts and bring my credit score down! For example for, my credit score was XXXX, they place an old late payment mortgage from XXXX and an old dispute bill from XXXX and place it on my credit report like it just happen and current for XXXX and brought my score down XXXX points. They have been reporting old accounts on my credit report every year to keep my score down! I havent had a late payment or delinquent accounts in years. They wont send me an annual credit report! I ask for one last year in XXXX and this year XXXX and havent receive not one!
Consumer complaint received 2022-07-06
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. (NY)

This has been my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX Balance Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

After XXXX XXXX XXXX XXXX reported a false debt that didn't belongs to me, I file dispute many times with Experian and they kept saying that the collectors said that it was mine, then I came on here XXXX and file a complaint against the collector, the complaint number was XXXX, after I get things resolved with the collector, they ask Experian to remove it off my credit. My problem is that before the debt was place on my account, my credit score was XXXX, after disputing it and the collector let them know to remove it cause I dispute it and it's not mine, Experian were suppose to put my score back to XXXX, I worked hard over the years getting credit card, loans, to get to XXXX but Experian only give me XXXX points putting my credit to XXXX after removing the debt. I feel like I'm being punished by Experian for a debt that was not mine, which I dispute many time with them. I called them, and the agent I spoke to said she can't help and give me FICO phone number XXXX, I called FICO they told me that Experian supposed to take care of that. I log in into my account and contact Experian to let them know that I need my credit back to XXXX because it wasn't my fault that my credit goes down. An agent reply by email and I didn't understand what she was saying because it wasn't about my subject, I understand creditors send them updates but creditors doesn't put points. I need this fix please, I can not spend another 2 to 3 years to get to XXXX again. I have children that I need to buy house for, and get scholarship fo. themr. I need this fix please. I need my credit back to XXXX please.
Consumer complaint received 2021-08-23
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. (PA)

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

XXXX Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 XXXX sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.