davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NJ)

I have contacted Berks Credit numerous times to request information for proof that the alleged debt they are reporting on my credit report is/was mine. 

They have failed to provide said proof and continue to report this false information on my credit report. 

They are also ILLEGALLY trying to collect a debt when, according to the State of New Jersey, they are NOT BONDED with them. 

I have also sent letters to The Attorney General 's Office and the Consumer XXXX XXXX XXXX. 

This needs to be removed from my credit report within 30 days or I will be filing a lawsuit. 

It should not take MONTHS of sending lenders to get this resolved.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

To Whom it May Concern, I am writing in regard to my original complaint, XX/XX/XXXX. In my original complaint, I communicated that I was told my transfer did not occur. I asked for the recording to be reviewed, because I was told time and again the transfer showed it did not happen, and that all of the fees should be returned to me. I waited for this to be corrected. I was assured by the management team on the phone that they were working to achieve this. So I waited. As interest accrued on my account, I was concerned ; which I communicated on every call. Now, because I was told this was going to be corrected, {$3800.00} worth of fees, and interest were assigned to my account I asked that the calls be pulled, and listened to, in an effort to have the facts confirmed, as this was a conversation in each call. In the letter dated XX/XX/XXXX from the office of the president, it states my call could not be substantiated. Moreover you will find a letter for a bank transfer we completed on XX/XX/XXXX for a completely separate 0 % transfer, from Barclays. I never received a letter like this for the transfer I am disputing. 

I had to go through the action of closing my account, just so I could capture confirmation that every call is recorded. You will read ( and hear ) in the call I recorded that there are notes stating I was told this was an error. 

Not only is Barclays withholding the interest in the amount of {$3800.00} ; they held a {$34000.00} over payment from my company for 7 weeks. They would not allow me to utilize the credit, nor did they return the finds in a timely manner. I had to call every week for seven weeks to receive my money back. During each call, I was told a different story. This is scribed, and included in the audio I am attaching. 

I have scribed the conversations supporting my claim, along with the recorded conversation. 

In fact, there was a supervisor I named in my original report, XXXX who confirmed on XX/XX/XXXX I would receive my money back. You will hear XXXX on the recorded audio stating every single call is recorded. This would include hers on XX/XX/XXXX. 

I continued using my Barclays business credit card, and as I charged, I would pay the balance I charge in full. The interest accrued is all from the transfer that I was told should not have happened. 

There have been several news stories, where banking facilities have taken advantage of consumers. I would like to have my interest back. I should never have had to pay it. The bank should have, after listening to all of my calls ; simply refunded this. 

I own a small business, and am completely shocked that a large banking facility would work so hard to undermine a consumer by misleading them, so they can capture interest. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-05-01
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)

There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (CA)

The following unauthorized charges were debited from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute and they did not resolve it. I did NOT make these charges and I want my money credited.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act.. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. 
Account name... XXXX/XXXX... Account number # XXXX... Account Name... 
XXXX ... Account Number # XXXX  ... Account Name.. XXXX XXXX XXXX... Account # XXXX  ... Account Name ... XXXXXXXX XXXX XXXXXXXX ... XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX XXXX .. XXXX... 
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..

15 u.s.c 1681 c. ( A ) ( 5 ) section state : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: U.S. BANCORP (FL)

Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX Has failed to provide documents requested on my prior dispute to the CFPB submitted XX/XX/2021 on which I ask for documentation I needed to verify the opening date on the account reporting on my credit report by XXXX thats is not matching my records. They responded saying and verifying that they can not provide the account because they dont have it. This complaint is because they have not remove this account from my credit and that account is still reporting violating my rights under section XXXX of the FCRA. Attach I am providingthe CFPB with the letter I received from XXXX after the complaint confirming the FCRA Violation.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation. 

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/XXXXXXXX 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 2024-03-07
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: EQUIFAX, INC. (CA)

The account that was charged off is being inaccurately reported on my credit report. After multiple tries to dispute there were no changes made to the accuracy of the information. I settled the account on XX/XX/2024. The information being reported is stating I owe a balance. The original Lender has sent me a letter stating the account was settled and there is no balance owed. I provided that information to the credit reporting companies and the information is still inaccurate. That is a violation of my rights under the FCRA.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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. (CA)

Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX on XX/XX/year>.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I had a house fire last XXXX ( 2018 ). I worked through my insurance company : they determined the amount of money for reconstruction of the house and sent the money directly to Ditech, my mortgage company at the time. 

When I presented with the contract to sign in XXXX to begin work, the project manager presented me with 2 checks from Ditech amounting to about 50 % of the total they had received. I was surprised, since the second check was due later in the project, but I was eager to get the work started and so signed both as requested. 

About 3 weeks later, Ditech sent a third check for a little less than one-half of the remaining money. I called Ditech and they told me to hold on to it until the right time, and then cash it. Unfortunately, that time hasnt come yet and the check expired in early XXXX. 

Ive been contacting Ditech since XXXX, both by phone and after the beginning of the year also their online submission. I havent gotten a satisfactory response. After Ditech transferred my loan to XXXX, I attempted to confirm the transfer of the claim money. Not all the money was transferred. I obtained check amounts by phone from Ditech and did the math. Not only was the amount of the uncashed check not included, but almost {$8000.00} was missing from the amount originally sent by my insurance company. 

I have sent emails with details, plus certified letters, but again, no response. It hasnt been that long since I sent these most recent queries, but given Ditechs Chapter XXXX status, and the lack of meaningful response since last XXXX, Im not hopeful. 

My accounting ( an estimate since I haven't been able to get any documentation ) is that Ditech is holding about {$43000.00} that they should have transferred to XXXX.
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D. SCOTT CARRUTHERS (CA)

Theyve been calling my wife grandparents that are really old and made them really worried, my wife grandpa has a XXXX and her grandma is on XXXX and when they call them grandpa ask what is about? They never tell him anything, they just say things about a legal document or court documents.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO XXXX XXXX CO
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (NY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2019-10-01
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: Experian Information Solutions Inc. (IL)

According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (NY)

I was out on XXXX XXXX. I was seeing the doctors at XXXX XXXX detail I did not make an appointment that I was supposed to and I was forgot to call they tried to tell me for breaking the appointment I owe them {$25.00} I told them this is through XXXX XXXX I dont have to pay {$25.00} they refused to except thatThey would not except that as an answer
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-01
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. (CA)

Last month I contacted TransUnion regarding 7 unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and really being difficult and not cooperating. This inaccurate information they are reporting this hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately. These are the unauthorized inquiries that need to be removed immediately 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX, 3. XXXX XXXX Inquiry from XX/XX/XXXX, 4. XXXX Inquiry from XX/XX/XXXX, 5. XXXX XXXX Inquiry from XX/XX/XXXX, Bank, XXXX Inquiry from XX/XX/XXXX. XXXX Inquiry from XX/XX/XXXX.
Consumer complaint received 2019-09-24
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: Westlake Services, LLC (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (OR)

My background through first advantage consumer reporting. 
I applied for a job with XXXX XXXX and 1st advantage reported some erroneous information on the report. 
I never had a charge of aggravated assault XX/XX/XXXX nor any charge of unlawful possession of a firearm nor a charge of unlawful purchase of a firearm.XXXX And I certainly never was convicted of such either. 
The firearms charges were false info only.I disclosed everything and they messed up the information.I am legally able to have my firearms.Sell or Otherwise.those charges were due to a pawn shop form I misunderstood and tried to answer truthfully.My ex wife had a protective order in place which was all based on false information.I was charged with on XX/XX/XXXX with XXXX XXXX but I certainly wasn't convicted of that charge.It was simple XXXX a misdemeanor and not a felony.Plus the whole thing was based upon false information in the first place.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo no longer provides XXXX XXXX payroll services. I've been trying to get my 1st quarter tax report for 2019 for over a month to submit to my new payroll company. I've called many many times. I went into the bank 3 times. They said they would email it it me and they haven't. 
I need this report to pay my current employer and employee taxes.
Consumer complaint received 2019-10-01
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. (IL)

According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.