davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.
Consumer complaint received 2022-05-17
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: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX has been contacting myself and my employer attempting to collect a debt for Midland Credit. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working 1year and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called XXXX again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by XXXX XXXX XXXX  The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from XXXX XXXX, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.
Consumer complaint received 2022-05-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Modoc Tribe Financial Services Authority (NC)

One of your representatives contacted me by phone call on XX/XX/XXXX at XXXX XXXX  XXXX  ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX  ; again on XX/XX/XXXX at XXXX XXXX XXXX ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and identified the debt collector as XXXX on each occasion. The phone numbers used to contact me were XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 

These repeated phone calls are meant to intimidate and harass me. I requested that 500 Fast Cash stop contacting me on XX/XX/XXXX. The reason why is because I would like to research tribal loan enforceability in my state as I plan how to payoff legitimate debts and become debt free.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (AZ)

I received an unsolicited letter in the mail for a Brinks Money Prepaid MasterCard. It was addressed to me at my new address. I did not sign up for anything with this company, and I did not provide my information to them. Inside the letter were these items : a MasterCard embossed with my name, an account number and routing number for XXXX XXXX, and instructions to call in to verify my identity in order to activate the card. Where did they get my information? Why are they sending me a card that I did not request? I feel like this is fraudulent activity to compromise my identity.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On or around XXXX of last year me my wife my son took a trip to XXXX what happened was on the way back which we spent about a couple of days then we ended up leaving like around XX/XX/XXXX or so they told us that my wife could not fly she was a permanent resident newly permanent resident and we showed all the proper documents and made sure that we were able to fly with those documents make sure it was OK with our lawyer we get to the airport about three hours before departure and the lady at the counter told us that we can not fly at all so this prompted me to have to pay for a different flight on another airline two to be exact XXXX XXXX bus in XXXX in order to get my wife to XXXX. I contacted my bank USAA and try to get them to give me my money back for this issue and they denied my claim many times after showing them proof. 
I have reached a point that I have spoken to the highest person I can add USAA and they told me that they can not reopen my case and they can not do anything about it this led to me going into overdraft in possibly having my account closed as Ive been threatened that this will happen in the next couple of days in order to save my account Im going to pay the money but I feel as though I should have my money back into my account because my wife did not take her intended flight only me and my son and I showed this proof.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MO)

XXXX put a collection on for a 10 year old XXXX bill that I do NOT owe. I challenged the collection through Experian which is the only reporting agency showing the collection. XXXX sent me a letter asking for more information so they can help me with the dispute, which clearly shows they do NOT have the information needed to verify the debt to the reporting agencies. XXXX never responded to Experian, however Experian left the account on without updating, showing that the account is in dispute, it has no payment history or correct information as required by the FCRA to report on my credit. Experian is obviously allowing the miss-reporting and XXXX is blatantly using my credit report as a collection tool for a debt that is not owed. This is causing my credit score to be XXXX points lower than the others and keeping me from getting the approval for a home loan. I implore your help with getting this matter resolved in a quick manner. I am having the same issue with Enhanced Recovery as well regarding a XXXX XXXX collection for equipment that was returned long ago. Once again I disputed the account through Experian and they did not update or were they able to meet the FCRA requirements to be on my report and they are violating my rights as a consumer. Once again I ask that you help me with this matter. I have complete faith that you will get this resolved for me. I have attached the dispute results from Experian. Lastly XXXX, again is only being allowed to continue its erroneous reporting on Experian. They have not responded nor updated since XX/XX/XXXX and I have disputed the paid in full account 3 times in writing by certified mail with Experian and still they have not updated or removed the account. I have asked them to validate their verification of the debt and they have ignored my request and only send the same response that ignores my legal request as a consumer. They are obviously disregarding the law and your authority by doing this, as well as my credit reporting rights. Thank you in advance for your time in handling this matter.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-17
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. (IL)

XXXX  - XXXX  XXXX  Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-17
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

US SM BUS ADMIN ODA made an unauthorized inquiry
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (FL)

I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

One of my friend posted on XXXX that she made XXXX from XXXX through XXXX XXXX through XXXX  mining investment. Since I knew her personally I asked her about it. She said it really worked. So I contacted XXXX, I made XXXX XXXX transferrs. One for invested XXXX and then XXXX. XXXX XXXX for investment. After the he created a profile for me on XXXX Showed me my investment of XXXX and withdrawal amount ready XXXX. He then asked me for withdrawal fee of XXXX which I was very hesitant about. So I asked my friend ( her account is hacked I still dont know this ). She said yes do as he says. So I did that. Transferred him {$100.00} through XXXX via XXXX XXXX  and then XXXX transfer of XXXX. Once I completed this, the next we asked for his commission which we agreed to XXXX ( 10 % of profit ). So I XXXX him his commission. Then he asked for verification for XXXX. He said to talk to my friend and she will help me. Somehow he hacked into my XXXX account and did not you allow me to access back in. He changed the email, deleted phone number and activated two factor authorization completely blocking my access. Thats when I texted my friend and asked her what happened to XXXX. She said she got hacked a few weeks ago. Thats when I learned I got scammed. I spoke to my bank who did not guarantee the scam money back. 

The persons XXXX name is : XXXX  The website is XXXX
Consumer complaint received 2022-10-27
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act 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