davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (NY)

On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that XXXX XXXX gave us. After checking my credit report, I see that XXXX XXXX has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. XXXX XXXX never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach XXXX XXXX repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NJ)

I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I was initially contacted, rather served with a notice to appear for pretrial conference on XX/XX/2021, served on date of XX/XX/2021, where I was living at the time. I immediately call the company to seek further information and sort this out as this is a surprise to me and originally what appears to be a billing error by card issuer and I was not aware who this company ( Midland Credit Management ) is or was at the time as I never contracted with them, ever. I mailed out a offer to perform upon on the validation of the alleged debt. Sent via certified USPS on XX/XX/2021 in which they received on XXXX XXXX, in which I have yet to receive a response to this date as I am writing this complaint. Fast forward to the pretrial date of XXXX XXXX, I arrived 15-10 minutes earlier, at the time for the pre-trial conference, I enter the court to what was an empty court room, for the bailiff to come out and say that the Judge said that there would be no pre-trial today and I can go home ( needless to say an entire work day wasted ), to wait that I would receive correspondence to appear for trial. a week later, I received a notice to appear on a XXXX meeting for mediation dated for XX/XX/2021. No additional information provided. Fast forward to XX/XX/2021 approximately at XXXXXXXX XXXX I log in to my XXXX app and enter the meeting details and another persons information pops up, I was not allowed into the meeting by XXXX XXXX, and I found it awkward that someone else 's information was on there. I exit out, called the number on the notice and no answer. I left a voicemail but never received a call back. Today, I log into the county records page and see that a mediation report was submitted and states that I was not present for pretrial. I have mailed and requested a full and thorough validation of the alleged debt and Midland Credit Management has not responded to any requests. This is abuse and needles to say these tactics are unconstitutional and seems like the law is on their side and for their favor when the law is to protect us, we, the people. This type of mental manipulation is a violation of my rights and this company needs to respond for their damages they have caused and reprimanded for their unfair practices. I have sent 3 requests to Midland Credit Management and to their collections LAW FIRM XXXX, XXXX, XXXX, XXXX and they have yet to produce any instruments validating the alleged debt, balance, and consumer information. I attached a notarized Affidavit of Truth with my statement and the request to produce mailed on XX/XX/2021 via certified USPS mail. Midland Credit Management and XXXX XXXX collections law firm are in violations of my rights and colorful laws, as well as manipulating the outcome of the situation in their favor.
Consumer complaint received 2019-08-26
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. (OH)

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.
Consumer complaint received 2018-04-20
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: Experian Information Solutions Inc. (CA)

They are reporting showing an Inquiry, that I is not authorized, nor have permissible purpose, nor have written authorization for the following inquiry. 

XXXX card XX/XX/2018
Consumer complaint received 2022-06-13
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. (NJ)

Hi I am submitting this 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX  XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX XXXX XXXX XXXX Barclays Billing Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XXXX XXXX at XXXX EST, I called Barclays and canceled XXXX Barclays CC ending XXXX XXXX. I told the representative that I did NOT want another Barclays Credit Card. The only charge that the card was used for was my Wyndham Maintenance Fees, and those had been taken off of autopay, so I no longer needed the card. 



In XXXX, I received notice that a new card ending in XXXX had been issued, and that Wyndham was putting charges on it. I disputed this by writing a letter to Barclays on XX/XX/2022. 



On XX/XX/2022, I received stating that a new card has been issued ending in XXXX. 



I did not apply or authorize the last XXXX cards ending in XXXX or XXXX. I did not authorize any payments to be made to either of these cards. 



By copy the complaint filed online to the Consumer Finance Protection Bureau and letter to Barclays. I am formally stating that Wyndham and Barclays are performing fraudulent finance practices. 





XXXX XXXX
Consumer complaint received 2018-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Hi, It starts with my mom dying on XXXX  morning XX/XX/2017. This was totally unexpected despite her age of XXXX. After working on her bills, we found no money and a few bills that she had kept up with. We found a checking account with Wells Fargo and a home equity line of credit that was used up to XXXX. We were and are so surprised she would do this and not mention anything to my brother or myself. I don't believe she ever thought it was tied to her house. She loved her house! My Father built it by himself a little after he was released from the XXXX when XXXX ended. The Line of credit was pushed on her by Wells Fargo and she thought it was a credit card I'm sure. She was dead but a month when Wells Fargo started leaving messages on the door that they were changing the locks.I called the Police because I thought we were being scammed. I couldn't believe this was happening!! Being locked out of my Mothers house with all personal things inside. This line of credit that was pushed on her was to be paid back by XXXX. Anyone would know she would be dead by then but the house would be there for the taking. When she died they wasted no time trying to do so.When we called they referred to the house as being there house.
Consumer complaint received 2022-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bayside Credit (CA)

Bayside Credit calling from ( XXXX ) XXXX harassed my significant other for a debt ( was not disclosed it as a debt collector ) and it was a prior relationship ( not by marriage and not her debt either in any capacity ). It was deceitfully, intentionally, and purposely implied to have been for a job reference for her ex. This has left her feeling very uncomfortable. I hope something is done about it.
Consumer complaint received 2018-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX   XXXX not mine XXXX XXXX {$920.00} not mine XXXX XXXX {$1800.00} not mine
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX i scheduled a transfer From savings to checking for XXXX For XXXX. 

On XXXX i discovered that my entire balance was transferred. 
I then called customer service And requested assistance to reverse the transfer and noted that it was scheduled for XXXX. 

I asked if any actions would result in any Fees. Customer service said that they would note the account about the problem and report technical problems. 

On XXXX bank charged my account a fee of XXXX. I. Then alerted customer service about the fee, and was told that they was not responsible for system errors. 

my satisfaction is that the bank Reverse the Fee, and fix their system as it relates to my account With a fee reversal. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

As notated on my credit report, XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX XXXXXXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX  and Transunion they are reporting 30 days late payment on XX/XX/XXXX, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

Reviewed my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter onXX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NJ)

CitiBank and XXXX CITIBANK, XXXX got a copy of your XXXX Credit Report . 
CITIBANK, XXXX made a Inquiry by checking your XXXX Credit Report . 

Source : XXXX XXXX : CITIBANK, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX tried to access your XXXX credit file while it was locked. If you are actively seeking credit or new financing, simply unlock your file. 

Source : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/2024 2024
Consumer complaint received 2019-08-29
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: Navient Solutions, LLC. (FL)

Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through Navient Department of Education. I reported it to all 3 credit bureaus, FTC.gov and Navient and sent in the requested documentation to Navient. XXXX   informed me today that they are not resolving my disputes and it will not be removed from my credit report, as Navient states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.