davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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. (NY)

I already reached out to EXPERIAN and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Three years ago I applied for a credit card upgrade with XXXX. They approved, but for reasons inexplicable they sent the card to an old address. And the invoices. Six months later I received a call from a collections company for a card I never received. I called XXXX and it took weeks to sort it out and they identified their error. By that time this had been reported to the credit bureaus. I went online and fixed the problem instantly with XXXX and XXXX. TransUnion required me to verify personal information, including addresses where I previously lived. None of the addresses were correct. I contacted them and they said I was in error. It became too much effort and I moved on. Three years later, I'm still seeing my TU score impacted by this mistake. I reached out to TU and they will not provide an online copy of my credit report, and, for me to dispute it I have to guess at the error because I can not see the error. They require verification information of which 0 % is accurate ( all the addresses they present to me as my prior addresses are wrong ) and there is no way to fix this. I have spent hours and hours trying to fix this. What is most painful is that XXXX recognized this problem and they have tried to fix it with TU, but TU requires me to start a blind dispute. Ever interaction with TU is going in circles and " wait 24 hours '' for nothing to change. I think the FTC should shut down TU : by comparison, the other two bureaus solved this in 20 seconds and TU is years into no progress at all. They ask for documentation, which doesn't exist. They ask for validation of incorrect information. How ancient are their systems? There is a point where fraud and un-navigational processes are indifferent, therefore the same. That's how dictators survive and that's how TU is staying in business.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Consumer complaint received 2022-04-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-12-20
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. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I am a victim of forced placed insurance. 
Wells Fargo Home Mortgage ( WFHM ) asked in order to receive a lender placed insurance refund of {$760.00} I need to provide proof of insurance for the lapse coverage dates of XX/XX/XXXX through XX/XX/XXXX. WFHM talking about HO-6 insurance. In reality my Condominium Master Policy includes HO-6 insurance, I didn't have lapse coverage. My current mortgage company XXXX sent to me a letter confirmed that Condominium Master Policy includes interior unit ( " Walls in '' ) coverage, including betterment and improvements.
Consumer complaint received 2022-04-09
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: Atlanticus Services Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MD)

Ever since Netspend changed their overdraft protection with the introduction of the All Access card, they are doubling the amount they receive from my direct deposit to their ends at my expense. They are pocketing {$120.00} of my {$250.00} payroll deposit and then profiting an additional {$120.00} in overdraft protection as opposed to me being in receipt of my {$250.00} direct deposit and being afforded overdraft protection of {$100.00} for which I qualify by being a customer who receives at least {$400.00} per month on their card through direct deposit. 

The way this is being done is simply this : I allot {$250.00} to the All Access Card of Netspend each payday. Each payday I only have access to {$120.00} of my {$250.00} direct deposit. When I spoke with representatives and then with their managers on many occasions about this, I am told that someone will call me to correct this. The person that called me told me that this is correct due to the overdraft protection extended of {$100.00} in my case. Realizing that each withdrawal of cash or purchase I make incurs fees upward of {$25.00} each, upon receiving {$120.00} direct deposit per {$250.00} I allot to Netspend for my expenditure each payday via direct deposit each payday of {$250.00}, I resort to withdrawing the full amount ATMs which issue in {$20.00} increments would allow, {$240.00} of my {$250.00} direct deposit immediately upon deposit notification. But I incur {$120.00} in overdraft protection fees in doing so. When my next direct deposit of {$250.00} notification is texted on my phone it reads that {$120.00} is available from recent deposit of {$250.00}. This happens each time I allot {$250.00} to my Netspend account per payday, which equates to a total of {$500.00} in monthly direct deposits I entrust to Netspend for my use at my discretion.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account NumberXXXX Account NumberXXXX According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ XXXX
Consumer complaint received 2022-04-09
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. (TX)

please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XX/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 Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (FL)

In my previous complaint, the response I received is as follows, " We have to respond to your request for validation of your account. XXXX did provide that and the information that was sent out is all that is necessary to validate that it is your account and it is still owing. We did respond back to you when you were requesting a settlement on this account as XXXX does not settle out their accounts. You then sent another dispute form in which we did respond back to you on XX/XX/21 that we indicated we have already provided you with validation of the account. You then again sent another dispute form in which we did not respond to you as we stated in the last letter we sent you back on XX/XX/21 that we would not respond to any more dispute letters. I have verified again today that you still owe on this account. You can call us at XXXX and we would be happy to work with you on this. Your account is marked as disputed. '' This is a joke. There is a huge different between debt VERIFICATION and debt VALIDATION. I asked for the following information more than 4 times and never once received any of it : *Agreement with the creditor that authorizes AAMS to collect this alleged debt *The agreement bearing my signature that I have agreed to assume the debt *Valid copies of the debt agreement stating the amount of the debt and interest charges *Proof that the Statute of Limitations has not expired *Complete payment history on the account along with an accounting of all additional charges being assessed *Show me that AAMS are licensed to collect in my state ; and *AAMS license numbers and registered agent *Proof of oral and written demands made. 

The ONLY thing I received was a bill that had personal medical information on it. This is a violation of HIPAA. Then I received a letter than they refuse to respond to any more letters. This is not professional at all.
Consumer complaint received 2022-10-12
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc. (MS)

I got a text message from a company called First National Collection Bureau INC, with a number of XXXX. When I XXXX, and researched the number, it doesn't match to this agency. The area code shows South Carolina, while the collection agency shows it's out of XXXX XXXX. I haven't done any business in either location, nor any company from either location.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (LA)

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from experian that they reported the balance XXXX but they still have it on my report.
Consumer complaint received 2022-04-09
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. (MO)

My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I received an email with a PayPal logo at the top. It stated that a charge of {$710.00} has been submitted successfully to XXXX XXXX via my PayPal account. Advised me to call Customer Support at ( XXXX ) XXXX for any questions. I did this and spoke to a person identified as XXXX XXXX. He said the charge was made in XXXX XXXX and the money was sent to XXXX XXXX in XXXX. He advised me to download apps from XXXX and XXXX to my XXXX.Theresfter I received an email from XXXX saying the charge would be reversed. I am XXXX XXXX XXXX and believe this was a scam ( Identity Theft ). 
I have cancelled my PayPal account and frozen my XXXX XXXX. I don't know what else to do. Thank you
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have an old credit card debt from 10+ years ago. They harass me by called several times per day everyday. I do not answer I get letter explaining that nothing at this point is being sent to a credit reporting agency and they will not seek legal actions. 
They just continue to harass me on a daily basis. 
Portfolio Recovery
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Consumer complaint received 2021-04-19
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXXn and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-01-28
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. (PA)

Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX  credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
Consumer complaint received 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}