davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
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. (ME)

First off I am the victim of identity theft, someone used my info to open up a few accounts in my name sometime in XX/XX/XXXX - XX/XX/XXXX I realized this when I was denied a loan from my bank and the loan officer showed me my credit report last XX/XX/XXXX. 

I have tried my hardest to fix this without paying a service to help me, I want to buy land to build a house not get more monthly payments. 

Experian fraud depeartment misread my FTC ID theft report, and deleted the wrong account off of my report, well they also sent a block request to the other agencies, as well as sent a letter to XXXX XXXX who closed my account today because of Experian misreading dates, as well as amounts and just assumed it was the same thing. 

I have tried to contact them to fix this problem before XXXX XXXX closed my account today, and the fraud depeartment st experian admitted that there employee messed up and just assumed they where the same accounts but they are 100 % unwilling to help me fix there mistake and tell everyone that they sent false alerts to that they messed up and that the account is in fact mine. 

I just dont know what to do, now because of this mistake on there employees behalf, XXXX XXXX has closed my secured credit card account that was due for a unsecured review in literally 5 more days : -/ it's so wrong that there company can have the power to make XXXX XXXX close my account because they messed up, and the worst part is they sent XXXX XXXX the notice AFTER I talked to the rep so they are not doing anything to fix it : -/
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gordon, Aylworth & Tami, P.C. (WA)

XXXX XXXX XXXX called me around XX/XX/XXXX, harassing me threating to sue me over an old credit card bill with XXXX XXXX XXXX, said they are filing a lawsuit against me and told me to get a lawyer and will put me in jail if I don't pay. They ain't supposed to call me and threaten me and my family. They should know better.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I received a cash rebate check from citi card on XX/XX/XXXX and deposited into XXXX XXXX XXXX. The check was returned by the bank because inadvertently we deposited into the wrong account in which the payee on the check was not on the XXXXXXXX XXXX XXXX account. 
We took the returned check and deposited in the correct account at XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and the deposits where both returned RETURN REASON-S REFER TO MAKER. 

I have contacted XXXX XXXX XXXX and they have referred me back to citibank, stating the check was returned I have contacted XXXX and they have referred me back to citibank, stating that the check was returned i have contacted citibank many times on XX/XX/XXXX i received a letter stating the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the i need to complete a affidavit to further investigate on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed and cleared Every letter came with a copy of a check with blank endorsement on the back not showing where or what bank cashed the check on XX/XX/XXXX they sent me a fraud inquiry, i completed the form and faxed it back on XX/XX/XXXX and then again on XX/XX/XXXX. 

I contacted them XX/XX/XXXX and was told by XXXX XXXX # XXXX that there is nothing citibank can do. 

I need your assistance in getting my money
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Consumer complaint received 2024-02-07
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. (AE)

I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

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 2022-03-14
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2018-11-02
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. (DE)

There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX and I've tried removing this inaccurate reporting multiple times after Transunion says they are " investigating. '' they are reporting erroneous information and in violation of 15 usc 1681i and they are non compliant.
Consumer complaint received 2018-11-02
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. (DE)

There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXX  to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Recovery Systems, Ltd (FL)

XXXX XXXX Email : XXXX XXXX : XXXX Ext XXXX Fax : XXXX Nationwide Recovery Systems XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX, TX XXXX My first call with this company, the initial gentleman was beyond sarcastic and laughed at what I said numerous times, even saying I have plenty of money to pay this bill. 

A couple of weeks ago, the phone is answered in XXXX and the caller said " for XXXX 's sake, it's Florida, speak in XXXX. '' Today, asking for their payment and explaining the situation, the caller said she was filing a harassment claim against me and notifying her supervisor. She called me, I didn't call her and she was in no way threatened as I know better as an attorney to do such a thing. She hung up on me. 

Their practices of harassment, sarcasm, and prejudice, and now threatening to file a harassment complaint against me is in no doubt a violation of the FCRA.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2018-11-02
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: Colony Brands, Inc. (DE)

There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX  informed them yet but its been over a week.
Consumer complaint received 2018-11-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX made arrangements to pay a past due amount on XX/XX/18, payment was deducted on XX/XX/XXXX. Called Chase and same day and was promised that it would be reviewed and supervisor to call back and if it was identified that error occurred over draft amount would be reimbursed. Followed up again a week later no call, followed up for last time XXXX still no resolution, call was not even pulled for review. Promised again resolution in 3-5 business days.
Consumer complaint received 2018-11-02
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. (TX)

Dear Sir/Madam, I keep monitoring my credit score in XXXX XXXX. I noticed a hard inquiry that I don't recognize on the Equifax Report. The inquiry was done by XXXX XXXX  on XXXX XXXX, 2018. I have been trying to keep the low profile and working hard to improve my score, I have no plans on doing anything ( auto loans or any other loans ) that will impact my credit score for few years. It is sad as well as scary that I was trying to save my credit health and this happened all of sudden without my knowledge. I would appreciate any help provided to this. 

Sincerely XXXX XXXX
Consumer complaint received 2018-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (GA)

On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.
Consumer complaint received 2018-11-02
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL INC (AR)

I was contacted by Coast Professional , Inc. company regarding my student loan payments being in collections in XXXX of XXXX. At that time, I tried unsuccessfully to fight their allegations. I had received a forbearance on my student loan accounts until XXXX. In XX/XX/XXXX, I received a notification from XXXX and XXXX ( XXXX XXXX ) informing me that my payments were coming due because of the forbearance had ended or was close to ending. 

I shared my concern regarding this situation with XXXX  because I have been plagued with a wage garnishment on my job. This was implemented through a collection agency named Coast Professionals , Inc. who claims that XXXX and XXXX XXXX placed my account in default with them. I have had my check garnished since XX/XX/XXXX. When I initially had a conversation with this company I assured them that my account was in forbearance and I could not be in default. To my dismay, Coast Professional , Inc. aggressively pursued activating the garnishment of my wages. Recently, I have learned that XXXX never placed my account in collections. In addition, the XXXX company does not issue wage garnishments as a practice to collect student loan debts. The student loan representative from XXXX made note of this in my account. XXXX also assured me that this was a scam. However, the representative that I spoke to assured me that I would receive a letter from XXXX explaining the status of my account to my employer which would eliminate the continuation of the garnishment. I have not received the letter as of today. 

The ultimate conclusion from the information that I have gathered is that Coast Professional , Inc. is a fraudulent/scam company falsely representing itself as an extension of the U.S. Department of Education, XXXX and XXXX XXXX. Consequently, I will not be able to pay both agencies if this criminal act is allowed to continue and persist to drain my finances. I also would like clarity about where the monies will be credited one this is resolved. If I will get credit for the monies collected during this time period. In the meantime, I am a victim suffering a horrendous loss of income, dignity, undo stress, and the possibility of losing my position at work. 

I urge CFPB to please, investigate this company in conjunction with my account and the tremendous threat it may present to other clients as well.
Consumer complaint received 2023-03-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00}
Consumer complaint received 2018-11-02
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: EQUIFAX, INC. (TX)

On XX/XX/2018 I received a message from auto dealer that my Equifax was locked and I needed to contact Equifax to have it unlocked. This was a result of my applying for credit to purchase a new car. I searched for Equifax online and attempted to log in to my account. I discovered that I had forgotten my password so I followed the instructions to request a new password. That requested was not accepted and I was instructed to call Equifax for assistance. I did call and the person I spoke with told me that she had no record of me ever having an account. I assured her that I have had an Equifax record for may years. After an exhaustive conversation and extensive verification questions she told me that she was sending me a temporary password. She did send the password while I was online with her and I told her that it was rejected. I asked if she could send a second temp password. She abruptly said she was transferring me to someone that could help with my password. She did transfer me and the new person started from scratch asking me even more verification questions. By this time I was getting frustrated because no one seemed to understand why I was calling in the first place. I asked to speak with their supervisor. A third person came on the line and started asking me the same questions.Name, birthdate, SSN, etc. She then started asking me about past accounts that I had already answered with the previous two agents. She first told me there was no freeze on my account then went on to say that I had no account. I told her about the previous agent sending me a temp password. She then told me that she was going to put me on hold and asked for assistance. At this point I was very upset. I told the agent to just forget it and I would contact the XXXX XXXX XXXX. 

Being concerned about the safety of my credit report, I went online to Annual Credit Report.com and was able to access my Equifax report. I advised the auto dealership of what had happened. 

I am concerned about the safety of my credit history with Equifax.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account " XXXX XXXX XXXX : Account # XXXX ''. XXXX  then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was " verified correctly '' but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.

There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries. 

*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account " XXXX XXXX XXXX : Account # XXXX '', this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached. 

Thanks.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I checked my personal information on Experian. Upon checking I realized that there was a address mistake. They have XXXX addresses on my file. One says XXXX XXXX XXXX XXXX ca XXXX. And one says XXXX XXXX XXXX XXXX ca XXXX. The second one only has one number XXXX in the street address. So I filed a dispute that my information was wrong. Experian then gave a status that they updated the information. However everything was the same on the address.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX off XXXX Recent changes XXXX XXXX XXXX XXXX point since XX/XX/2023 Balance Increased XXXX account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your XXXX automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX account balance decreased Today XXXX XXXX XXXX XXXX Wrong info from XXXX XXXX to Transunion