davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Webcollex, LLC (GA)

XX/XX/XXXX called me from number XXXX XXXX XXXX Virginia. The caller informed me that her name was XXXX and she was from XXXX XXXX and she called out my date of birth. I asked XXXX what exactly does the company do and how and why does she have my personal information and she refused to answer what her company did. I informed her that she does have my personal information and why does she have it. She refused to tell me what the company was. At one point she laughed and still asked me my DOB and I once again informed her yes that is my personal information and how and why she has it and what exactly does the company do. She still refused to tell me what XXXX XXXX was. I asked for a manager and a XXXX got on the phone, he called out the last 4 of my social, I again asked how do they have my personal information and who are they. He final told me that they were a debt collection agency and they were trying to collect a debt for XXXX from XX/XX/XXXX. I informed him that was not my debt and to not call me again. He continued to talk and asked me if I wanted the information and I once again informed him that was not my debt and don't call me and I would be reporting his company to the CFPB. I do not owe this debt, I have been a victim of identity fraud and I want all information removed if on my credit. XXXX XXXX refused to identify who they were, they were rude and unprofessional.
Consumer complaint received 2022-06-21
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. (OR)

XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX, TX XXXX. 
TransUnion. Consumer Solutions. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request
Consumer complaint received 2022-03-08
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: Asset Recovery Solutions, LLC (MI)

It was reported to the bureaus after coming to an settlement agreement that I was delinquent in payments although the payments were made. The account was paid in its entirety with second payment. Companies involved both claim no responsibility with reporting to credit bureaus. Account still remains as a delinquent collection after payment was received. It also shows it was settled and the account was paid in full not settled. The amount owing was {$560.00} and the full amount was paid, not a settlement.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX Account # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. 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 2022-07-25
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX 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 2019-03-28
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. (FL)

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX XXXX XXXX XXXX   Account : CLOSED - Account Number : XXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report. 

IN ADDITION >>> I have Notified EQUIFAX and XXXX SEVERAL TIMES Online, and By Phone with their Specialized Fraud Departments that AS THEY WELL KNOW that ALL of my personal information is public and available for sale on the underground web and that Fraudulent Attempts to use my Identity are still being made and inquiries are being placed on my credit report and I am receiving calls from Creditors Regarding opening up a new account as a result. I reported the inquiries as FRAUDULENT to Equifax & XXXX and they Insisted I contact the creditors and Request them to remove them due to their being fraud which I did - But they ALL sent me back to Equifax & XXXX - WHO REFUSED TO DO ANYTHING ... so ONCE AGAIN I AM STUCK WITH FRAUDULENT INFORMATION ON MY CREDIT REPORT WITH ONLY THEM DUE TO THEIR REFUSING TO OBEY FEDERAL LAWS AND REMOVE CONFIRMED FRAUDULENT ACTIVITY FROM MY FILE. Equifax and XXXX Need to Obey Federal laws to the Letter ... or my next Step is a BILLION DOLLAR FEDERAL CLASS ACTION LAWSUIT AGAINST THEM. FIX THESE ISSUES NOW!!!!! OR SEE YOU IN COURT ASAP.
Consumer complaint received 2018-08-03
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. (WA)

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX and Experian ), XXXX XXXX ( XXXX, Experian and XXXX   ),  XXXX ( Experian and XXXX  ), XXXX XXXX  ( XXXX, Experian and XXXX  ),  XXXX ( Experian and XXXX  ), XXXX XXXX ( Experian, XXXX  and XXXX ), XXXX ( XXXX, Experian and XXXX  ), XXXX XXXX XXXX ( Experian, XXXX  and XXXX ),  XXXX ( Experian and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( XXXX, Experian and XXXX ).
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND XXXX  XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

Dear Experian, This is not the first time we've had an incident regarding my personal credit report. Unfortunately, for months you have ignored complaints that XXXX was reporting incorrect information on my credit report. 

I am demanding verification under FCRA, and since I know you can not produce the following, I demand you remove XXXX XXXX from my credit report. 

This card was closed and never in arrears. 

Open Date Charge off Date ( Never Charged Off ) Payment History Borrower Names Balance Are all incorrect on my credit report. Therefore this item needs to be removed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : DIREC MGMT XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX XXXX and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). 

Also, I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (KY)

XXXX XXXX XXXX has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received a letter from Citibank stating my personal credit card account has been closed as of XX/XX/XXXX. I have been a Citibank credit card account holder since XX/XX/XXXX with an excellent payment history. My account was current and in good standing. They also recently sent me a letter asking if I'd like my credit limit increased. When I went inside my branch in XXXX XXXX, CA, they offered me no explanation. As instructed in Citibank 's letter, I mailed a letter to them at the address they provided in the letter demanding a reason for the account closure. As of today 's date, XX/XX/XXXX, I have not gotten a written response from them. They are past the required 30-day timeframe the law states they must respond. I feel I have been unfairly discriminated against. I have a perfect payment history. I would like to sue them for violating my right to fair credit.
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MO)

Ive had a Grain account for about XXXX XXXX XXXX. Ive never had problems using my app until 2 months ago. Since then it has been XXXX making a payment. I emailed last month and got help from a representative to make a payment. However, I still have not been able to use my app. Moving forward, this month I still cant access my app or make a payment. Ive emailed 4 times with no response. First time emailing was XXXX  days ago last time was today. I need help with restoring my app and making a payment before my payment is late. Its ridiculous that I have to resort to this method in order to get some assistance.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (TX)

On XXXX the XXXX someone withdrew all funds from this card. I filed a dispute and reissued the funds 15 days later because they issued a card to another address and it wasnt the address that Social Security had on file. On XX/XX/2019 they then issued another card to another person not on the account. I called the company to cancel the card and they told me that it was nothing that they could do but keep reissuing the card and that these people that are fraudulently using this card could continue to call and issue more cards. They are refusing to add alerts to accounts for fraudulent activity. Unfortunately because Social Security has issued benefits for XXXX, I am not able to change banks for my sons account. This bank has no security measure put in place to stop fraudulent activity on XXXX adults funds being placed in there accounts through there card services. It makes me wonder how many XXXX adults are being frauded through this government given program for funds and are not getting their monthly money because they dont know what to do. Also, management was very rude with me when I asked who Investigated them on fraudulent activity with the bank and card services that maybe they should reconsider activity of how a person could order cards for Social Security benefits.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (CA)

I purchased 4 Vanilla Visa gift cards. I tried to use them the next day and they didn't work. When I called, they said that there was an activation issue at the store and I would need to send the receipt info. However, they could not determine which store location I bought them from, and since I buy many multiple transactions per day, I could not figure out which store receipt I should send. I sent them a credit card statement for that day, showing the multiple transactions I made. It's been weeks and I still do not have access to my vanilla visa gift cards.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servis One, Inc., Titusville, PA Branch (FL)

XXXX XXXX reported wrong information to XXXX credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to XXXX  and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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: Resurgent Capital Services L.P. (AZ)

I had an account with XXXX XXXX XXXX XXXX XXXX. When I got my last statement, I asked company to verify some charges that I did not recognize on my statement, and credit one was unable to verify. At that same time, I had received information saying that my credit was compromised so the charges were fishy to me. 

I requeted that XXXX XXXX send me information that this account officially belonged to me and that I had agreed to it. They did not respond to my request. They then unlawfully transferred this debt to XXXX XXXX XXXX at XXXX. I did not give permisson for my personal informatinon to be handed over to this other company. This company has been harassing me and calling me during off hours and at work while I am tutoring students. 

This company, LVNV Funding-XXXX is now being reported on my credit report.-reference number XXXX is really not fair, given the circumstances. I never gave permission to XXXX XXXX to release my personal information to a company that I am not doing business with. 

I've already made several payments to XXXX XXXX XXXX, who is working with LVNV Funding to process their payments. However, I don't think it's reasonable and fair for me to continue to make any additional payments continuing the circumstances involved. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-29
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 ) ( 1 ) 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.