davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC (TN)

THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX LAW TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a Bank of America checking account with XXXX money transfer connected to it on my XXXX. On XXXX XXXX I tried to contact XXXX to get a refund for a damaged car part I had ordered. I got connected to someone who claimed to be from XXXX but really wasnt. He led me to download Any Desk App and enter a code XXXX on my XXXX account. When I complained he said that was necessary and that would be returned with the next transaction. He fumbled around and I got suspicious and finally cut off the call and called B of A immediately to report a scam. They told me they blocked two of his attempts but a third had gone through for {$490.00}. They told me to put in a claim for {$490.00} and on XXXX XXXX they rejected my claim saying they followed my instructions and they had not made an error. They ignored the issue that I was scammed. I recently read an article that according to your regulation E that I am entitled to a {$440.00} claim from the bank.My bank account ends in XXXX and my claim number is XXXX
Consumer complaint received 2022-04-12
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. (DE)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We had a XXXX XXXX XXXX with Citizens Bank, I had tried to payoff the balance of {$460.00} online and it did not appear to go through. On XX/XX/22 I went to the branch and asked if they see that an online payment is coming through, they said no. I asked for the payoff amount and gave them a check for that amount of {$530.00}. On XX/XX/22 {$460.00} was then deducted from my account. I called right away and was told they don't see it, but supposedly put in a cancel. I called again about a week later and was told oh they have it and was just sitting there. A few days later I called back and was told about 10 days ago that they were sending it to me via fed ex. As of Friday XX/XX/22 I had not received the fed ex. I called and no one called back. I called again today and continue to get a run around. I suggested that I just come to the bank and pick up the refund, no they can't do that said XXXX they alleged branch manager. Who has been giving me the runaround. I just want a refund of the overpaid amount and I want them to stop lying about where it is, since they still have it and my loan is paid in full since XX/XX/22. And I have yet to receive my documents stating that the loan is paid in full.
Consumer complaint received 2022-04-12
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. (DE)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
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)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX  account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NY)

This complain contains a report I obtained from the annual credit bureau website Where Experian with XXXX different addresses At the same time I requested to Experian to remove this inaccurate addresses from my credit report and they ignored all my disputes I live in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or any others inaccurate addresses They must be remove All inaccurate names in my credit report
Consumer complaint received 2022-04-12
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX 
XXXX, 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 XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I recently put in to settle a debt that has been on my credit report it said that it was sold to portfolio recovery llc i went on the website and was able to make payment arrangements to pay XXXX a month today was my first payment but i received no receipt from them so i went online to view the account and could not get on i contacted live chat and spoke to XXXX and was told that my account was not eligible to be viewed online but amazingly i was able to sign up to make payment arrangements and then i told him that i would need to receive receipts for these payments something showing that im.making these payments and what the balance is and im being told that i can not receive those either and that due to my states laws i can not receive receipts or statements i have never heard of such nonsense and so they can pretty much take whatever amount for however long cause i would not know what my balance is without a receipt and then being told he would have to speak to a supervisor to possibly receive any form of paperwork about this debt i am very concerned because they have my credit card now and dont want to provide me any information about my bill i really need help in this matter
Consumer complaint received 2022-04-12
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. (GA)

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, Transunion and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Transunion and XXXX. 

4. {$8900.00} XXXX XXXX  date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Traansunion and XXXX.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: OLD NATIONAL BANCORP (IL)

XXXX XXXXXXXX and XXXX XXXX stated that it was their policy to ask for a in footprint State ID to open an account or proof of address including a lease, signed federal income tax or utility bill. A utility bill from XXXX XXXX cell phone bill, which the federal government considers a utility, was not accepted stating that " it was not a utility bill ''. This happened at both the Old National Bank location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX both locations at which both managers refused to open a bank account stating the above. Even when presented with a utility bill, multiple bills received via mail, Unexpired XXXX passport, valid XXXXXXXX XXXX  Drivers license, Social Security card, paystubs and XXXX ( with current Illinois address within their footprint ). Both XXXX XXXX and XXXX XXXX refused to open accounts which I fear was based on race and social economic status as they question how much I would be bringing to the bank, discriminated agaist me. This event occurred on XX/XX/2023.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, there was {$450.00} balance reported from XXXX XXXX. Called XXXX  XXXX and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by XXXX XXXX.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I called TransUnion and spoke with an agent about the removal of inquiries I did not recognize on my credit report. She denied me customer service, would not help, and would not take care of the negative inquiries reported on my credit report. 

According to the Fair Credit Reporting Act, legally these unauthorized and unverified inquiries must be removed : 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 XXXXXX/XX/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 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 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
Consumer complaint received 2022-04-12
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. (SC)

Experian refuses to block/delete fraudulent items even after I sent in my identity theft report and proof of identity. This is a violation of section XXXX. This is also Defamation, Fraud Enablement, and willful non compliance. I submit thus complaint as a record as a disregard to the FCRA law
Consumer complaint received 2022-04-12
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. (AL)

I received an alert from XXXX on XX/XX/XXXX for an inquiry for a personal loan that I didnt authorize. I immediately called XXXX and placed a fraud alert on my credit report and disputed the inquiry and others that were not authorized. I was told by XXXX to contact the other bureaus which I did. On XX/XX/XXXX I contacted TransUnion and alerted them about someone trying to access credit in my name. I then was told by the representative that a dispute had been open for several inquiries that are on my report. I explained that all inquiries that are not attached to credit on my report are fraudulent. The following inquiries I were told were under dispute : XXXX XXXX XXXX XXXX Of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I chatted with TransUnion online today XX/XX/2022 at which time I was told that although the rep had added the fraud alert she never opened the dispute and have no way of doing so. Ive contacted each creditor on XX/XX/2022 to explain I never applied for credit and asked for the removal of the inquiries which as of yet I havent received receive any confirmation that they would. My issue is with TransUnion. I was told that the inquiries would be disputed and removed now another rep is stating its impossible without the companies whom these fraudulent apps for credit sending them documents for removal. Id like these inquiries removed immediately and a confirmation that my report is indeed frozen from potentially fraudulent activity.
Consumer complaint received 2022-04-12
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. (GA)

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - Experian, XXXX and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - Eperian, XXXX and XXXX. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - Experian, XXXX and XXXX.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (NJ)

I cancelled the account with XXXX and the mode of payment ( XXXX ) which was used - months in advance of the annual renewal. Then I received a call from the debt collection agency- XXXX XXXX [ XXXX : XXXX ]. 

I followed up with proof ( XX/XX/22 ) that I had requested the account being cancelled ( per their process ) and am still being told I need to pay for a renewal on an an account I did not use for half of the duration. Additionally, despite repeated attempts to cancel the the dormant account, I still have not received confirmation and expect them to continue this practice next year.
Consumer complaint received 2022-04-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I don't know who XXXX XXXX XXXX XXXX is. I have never signed any agreement or contract with them. 

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 an account without my written instructions They have violated my HIPPA rights as well! This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-05-17
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)

I am distressed that Equifax has included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it 2. This account resulted due to identity theft. 
XXXX XXXX Account XXXX : XXXX The listed item is a very serious error in reporting. Please delete this misleading information.
Consumer complaint received 2022-04-12
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. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.