davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (IN)

On XX/XX/2019, I received a letter ( attached ) from " virtuoso sourcing group '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " virtuoso sourcing group '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" virtuoso sourcing group '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " XXXX XXXX XXXX XXXX '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (KY)

I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX  both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX  to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).
Consumer complaint received 2022-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC (IL)

I have a income share agreement through XXXX ( Back a Boiler ). The original servicer, XXXX XXXX, shipped off my ISA contract to Launch Servicing. My first payment was last month on the XXXX. They charged me the wrong amount. I have called them multiple times trying to get it figured out, but they have not. I was told it would be figured out by my next payment, which is tomorrow. They still have no clue what is going on, and when I call them, they claim that they are still trying to figure it out. I have been told multiple times I would get a call back in a specific time frame, yet I have not received one call back from them. When I call, they are not understanding about my situation at all and are frankly quite rude and dont even seem interested in solving the issue.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. ()

I bought prepaid visa card but they didnt deliver to me There adress XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, United States Online Support : XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-07-21
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX, XXXX, TransUnion will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ZIONS BANCORPORATION (CO)

On Friday, XX/XX/XXXX, I XXXX, I entered Vectra Bank at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX with a check drawn on the Vectra Account Holder - XXXX XXXX for {$4100.00} in hopes of cashing the check for cash. I was denied the service. 

The teller, followed by the manager, XXXX, attempted to tell me they didn't have to give me cash for their check. I believe this is incorrect. After several exchanges, they backed away from their hard " no '' to a maybe but only if their account holder could be reached and verified the check. After several more attempts to deny me the right cash a check drawn on a Vectra account, they reached the Account Holder who verified the check was legitimate and that he had written it to me and my company. 

The manager, XXXX, then proceeded to once again deny me " cash '' because the check was written to my company, despite the fact that XXXX  had just verified the legitimacy of the check. She then offered a cashier 's check in lieu of cash and forced me to pay an {$8.00} fee for th

at service. 2 Concerns : 1. 20 Year Teller was adamant they didn't have to cash their own check. When I showed her
the language from the CFPB website, she didn't appear to know what the CFPB was. 2. Manager refusing to issue cash on a check drawn/verified by her phone call as legitimate.
Consumer complaint received 2020-11-05
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. (PA)

The Account with XXXX XXXX was previously disputed Equifax failed to remove or properly investigate as of XX/XX/20 XXXX XXXX has deleted the account, credit reports need to be 100 percent accurate across the board with all bureaus that being said Equifax must delete the account
Consumer complaint received 2017-09-19
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. (NY)

My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on Equifax report and XXXX report. 
XXXX has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now XXXX send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I received an update from XXXX XXXX that a new debt was added to my credit report. When I did my resareach I saw it was from XXXX XXXX for {$900.00} which is a light company in New York. I have resided in Florida since XXXX, therefore this light bill is not mine. When I contacted XXXX XXXX on XX/XX/XXXX, they stated the bill was under my name and my ex-wifes name but it was my social so only under my credit and it was from XX/XX/XXXX until XX/XX/XXXX. As I have not lived in New York since XXXX and have been divorced since XXXX, this clearly is not my bill and I did not authorize anyone nor did I give permission to anyone to obtain a light bill under my name. This was clearly my ex-wife and she should be responible for this. I was not aware one was even opened in New York. I informed the company this was not me and they informed me to file fraud on this wesbite. 
I also informed that that i never opened an account with them even when i was residing in New york.
Consumer complaint received 2022-11-07
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

Since start of XXXX, I am unable to transfer money since the US number registered in my account is not receiving SMS for 2-factor authentication. Calling to them using my US number also does not get answered by a banker. After messaging Wells Fargo through XXXX, they called me through my international phone to help me. The support person told me that they could only validate the online transfers through SMS and that international numbers could not receive SMS. Without the SMS verification, I would need to send a notarized printed form ( given that I'm not living in US ) to have a transfer. 

After checking other users, I found out that Wells Fargo is blocking VolP numbers, even when they are the only number registered in the account. My phone number is a XXXX XXXX number, so Wells Fargo stopped sending the SMS, without providing a feasible alternative for me. 

After pointing out the fact that VolP are being blocked in Wells Fargo XXXX page ( given that I'm being unable to call them ). I got no answer. I am locked out of my account, being unable to make transfers.
Consumer complaint received 2019-03-23
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: Larry H. Miller Group of Companies (AZ)

Larry H. Miller,XXXX XXXX XXXX XXXX, XXXX , AZ AUTO DEALERSHIP I had not even selected a car to purchase, it wasn't until I received letters stating reason for denial, ( I knew my credit was poor that's why I did not want the credit ran ). I was perhaps looking for a inexpensive car, certainly not a {$35000.00} car at my age.They Fraudently obtained my credit report for their own gain. I took this to US attorney office, they alerted AZ office. We have been working with this for almost a year with no progress all they do is a runaround. They claimed that I filled out a application on line. They could never produce the form. They want to go arbitration. What is to dispute? just produce the form and remove the credit inquires. 

To much of these identity problems are occurring to people especially seniors, Never thought that was a true statement, but since being a senior I see it more and more.I would appreciate any help you can give.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ID)

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I would like to file a complaint regarding PayPal credit. I was a loyal customer of PayPal using it for all my purchases and paying the payment like clockwork. PayPal has my home address PayPal also has my home phone number including my email addresses. my account where the payment was coming from was hacked and I was unaware of it. PayPal failed to notify me that the automatic payment was not being received for that monthly payment of only {$39.00} that I always paid on time.Not only they failed to notify me via phone. During the peak of covid-19 in 2020 when the laws were in place that all creditors shall help their customers to defer the payment or stop the payment. no one company claims that day I got my information from PayPal and sent a validation letter to a known address but I did not reside and I don't recall changing my address with PayPal but I received my mail. My credit was damaged by this company for two long years during covid-19 which they are not even allowed to damage People 's Credit during a disaster. This collection company has the worst record with the XXXX XXXX XXXX for scamming customers. The collection company is well known for not following the Fair Credit Reporting Act. The collection company is reporting accounts that do not belong to them without validating with the customers.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX I disputed with Midland and requested validation of debt.I listed several items in my request. In response Midland sent a bill requesting me to validate debt myself. Which I can not do being that I do not and never had an account with this agency. 

Out of retaliation of my request Midland also placed a 2nd collection account on my credit reports with a different amount owed. On the first collection account they placed the following remarks ; '' Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/2019, I sent a second request for validation of debt. This second request was received by Midland on XX/XX/2019. In this second request, I asked Midland to either send items requested for validation or remove this item from my credit reports. In response, Midland again sent me a bill. 

Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. A bill does not suffice. The creditor has no contract with MY SIGNATURE on it that shows verification or permission from me to allow my information to be shared.
Consumer complaint received 2022-06-14
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. (ID)

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and equifax. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Consumer complaint received 2018-04-25
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. (VA)

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX/XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain a copy of my credit report.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AZ)

Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.
Consumer complaint received 2018-12-12
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. (CO)

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

I opened an Citibank package for XXXX $ opening bonus. The account was deposited with XXXX $ on XX/XX/18. By the term I should received bonus before XX/XX/18, but I ask Citibank chat service and nothing happened yet.