davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: Millco Management (PA)

XXXX XXXX will not Remove my an account with adverse information. 
I have a collection that is only on my XXXX XXXX credit report from Amerifinacial Solutions, XXXX XXXX XXXX XXXX, MD XXXX. They state that I owe {$210.00}. I the consumer never gave written permission for this to be on my consumer report. Also XXXX XXXX states that " for any account that contains medical information, the information following 'Medical- ' is not displayed to anyone but you except where permitted by law. ". On my my report for Amerifinacial Solutions it states that this is originally from XXXX XXXX XXXX XXXX which clearly is medical. Anyone can see that this is XXXX. nowhere in my report is it stated that this is 'Medical- '. 
Also XXXX XXXX told me, the consumer that I must take this up with Amerifinacial Solutions, a company that i have never contracted with.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Goldstein, Cruise and Smith LLC (OH)

I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am unable to speak with the credit card company with the phone number on the card regarding a fraudulent charge on my card. The call center is not taking calls, rather they answer and then hang up immediately saying they have system issues. This has been reported to my credit score and I am unable to reach anyone to resolve this has been ongoing since XX/XX/2022 XXXX
Consumer complaint received 2023-03-29
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. (TN)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is listing a wrong social security number on my credit report which is causing me delays in getting a mortgage loan application approved. The only way that Equifax provides me to fix the incorrect social security information on their report is to make physical copies of my social security card and send that via physical mail ( snail mail ) to their XXXX XXXX after which they will take up to 10 days to correct the information. Firstly, I do not feel comfortable sending equifax copies of my sensitive information as a physical paper copy and secondly the time delay caused by Equifax in fixing a mistake in a critical piece of information and their slow pace will cause me to miss the closing date for my home purchase. Equifax is a terrible company that is taking advantage of their unique position in the market to unfairly cause me harm. Also their phone customer service is rude and unhelpful.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

Since XX/XX/XXXX I have been dealing with random things popping up on my credit report. I am a victim of identity theft. I was scammed back in XXXX I went through a realtor company to get an apartment. I was asked to send in my documents to get into the apartment. I sent all my info over and I did not get the apartment or I have not heard back from these individuals since XX/XX/XXXX. There are multiple companies on my credit report that when I look them up they show up as apartment buildings and I have not had my own apartment since XXXX back in Texas. During XXXX it was very hard for me to focus on my credit reports and scores because I was in XXXX XXXX XXXX XXXX XXXX. as of XX/XX/XXXX I have been trying to figure out how I have open accounts and debt collections to accounts that I have no idea about. I have been denied getting an apartment in my name because of this non sense. its been a hassle trying to prove that it was not me. I have contacted the credit bureaus over and over and have not gotten a response. I have disputed these collections and even the address that was on my profile because it was inaccurate. the address was removed from my report from the dispute, but the collection is still showing. This is extremely hard for me as a XXXX XXXX XXXX hard working tax paying individual. I would like to file this complaint today on XXXX, XXXX, and XXXX due to the lack of fully investigating claims. it would be best if we can get a full investigation and not some filtered computing system that should be rendered to the consumer.
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES EXPERIAN : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - AUTO FINANCE Inquiry date : XX/XX/XXXX XXXX AUTO DEALER Inquiry date : XX/XX/XXXX XXXX FINANCIA Inquiry date : XX/XX/XXXX XXXX XXXX AUTO FI   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - CARD SERVICE Inquiry date : XX/XX/XXXX XXXX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX AUTO FINA Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : 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 XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Went to deposit a {$2500.00} check from XXXX into my checking account on XX/XX/2023. Was given notice that {$220.00} would be available next day and the other {$2200.00} would be available the day after. Next day, after none of the deposit has cleared, I receive an email that the entire {$2500.00} wont be available until XXXX, XXXX, with no specific reason stated.
Consumer complaint received 2023-01-12
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. (IN)

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to Experian, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the XXXX breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX  has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.
Consumer complaint received 2022-12-01
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. (TX)

I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, XXXX, and Transunion XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Below you will notice the unauthorized transactions which were charged to my Wells Fargo by two companies that I never did business with. The charges were made on the XX/XX/XXXX by two companies for a total of {$970.00}. I attempted to file a claim with by contacting the Wells Fargo fraud department, but they ended up adding additional charges to the fraud claim which I did n't ask and that error led to the bank denying the claim. I contacted the companies that charged my bank account for the two charges and they informed me that I would have had to deal with my bank about the situation. I also attempted to refile the claim at my local as well as over the phone, but nothing got resolved. The fraud claim agents from Wells Fargo bank were extremely rude towards me when I attempted to explain to them the factors which led to the fraudulent charges and they did n't see to care. I would like Wells Fargo bank to refund me the total sum of {$970.00} which was stolen from my bank account. XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL  XXXX CARD XXXX {$130.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CARD XXXX {$840.00} = {$970.00}
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (IN)

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the Equifax breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Consumer complaint received 2023-03-29
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)

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (AL)

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 USC 1681. Account name : XXXX. XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NC)

XXXX XXXX This is stopping me from getting a house and car loan I have tried several times to get it remove the company didn't find anything wrong they couldn't send any proof no just saying the account was verified 15 U.S.C 1681 there shouldn't be any damages on my report
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (SC)

I am the consumer writing and there is no third party involvedXXXX XXXX XXXX a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving XXXX XXXX XXXX a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with XXXX XXXX XXXX a debt? How do I owe XXXX XXXX XXXX? How was this verified? XXXX XXXX XXXX and XXXX and Experian ignored my recent disputes and never provided sufficient evidence because this can not be verified. 
Experian send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what XXXX XXXX XXXX, Experian, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). 
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with XXXX? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION! 

I never agreed to any terms with XXXX XXXX XXXX, THEY WERE FORCED ON ME. 
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with XXXX. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. 
Warm regards, XXXX XXXX