davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, TRANSUNION, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-06-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give XXXX  XXXX the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with XXXX XXXX or any of their affiliates. I contacted XXXX  XXXX multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX AM at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both XXXX XXXX and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from XXXX XXXX. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

When we last spoke, Mr.XXXX  advised me that he would stop the interest that day. Year to date, interest has accrued monthly. All verbal communications with Reps has been void. I have not received any written communications as I have requested on every occasion, since the initial mishandling of a payment arrangement that never made their system, just verbally communicated on a recorded line.
Consumer complaint received 2022-07-07
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MO)

I am called daily between XXXX and XXXX XXXX everyday. I do not have a student loan. There is nothing on my credit report. I can not respond when they call because they use a call back number and I am skeptical of returning the call.
Consumer complaint received 2021-06-15
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. (IL)

I requested that Experian prove to me how they " verified '' that the account with XXXX XXXX, XXXX. is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information from the creditor for their investigation of my dispute. This never happens. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point for reporting.
Consumer complaint received 2021-06-15
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. (NY)

Dear Experian, I am not a third party, I am a person. My name is XXXX XXXX, and I am a victim of identity theft as I have previously notified Experian
Consumer complaint received 2021-06-15
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)

I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
-XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.
Consumer complaint received 2021-06-15
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. (CA)

A letter for personal information correction was sent out to XXXX, XXXX, and Experian on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and Experian failed to reply.
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. On XX/XX/ I took action with all credit reporting agencies to correct these inaccuracies, certified mail, with no relief! I have noticed a collection, trident asset management ) As collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from these agencies.l believe they are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. lf you'd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC Vs XXXX XXXX XXXX make clear that it " debt parking '' without proper notices is a violation of consumers rights.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX   I have disputed with numerous times and they are not deleting items that are not correct or updating correctly at all I have copies of incorrect items. I have disputing an item for a a year. There is a collection on here for  XXXX  from  XXXX   XXXX . I have no knowledge of this account. And in over a year they have never contacted me nor gi ven one it em of proof to myself or   XXXX   validating this. This is not mine. Both  XXXX  and   XXXX   deleted this off my credit report. Also my Chapter  XXXX  has been discharged.     In Chapter  XXXX  the account was paid 100 % to plan. Meaning 100 % of debts paid. Equifax is reporting all   XXXX    XXXX   XXXX  as negative and not being paid as agreed which i s FALSE. T he other  XXXX  agency 's have the correct total of  XXXX  balance on all which is correct. Equifax is not properly investigating any of these and continue report inaccurately driving my score down  XXXX  pts.     Also inaccurate credit inquiries I never authorized.
Consumer complaint received 2019-08-02
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. (CA)

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX, XXXX, XXXX, DEPT OF ED/XXXX -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

This account is fraud. I logged on to the customer portal and printed a copy of the recent statement. I have I reported on numerous occasions that this is unfair collection activity. The credit company has never provided me with a bill. The Company has not provided me with a bill. I am prepared to upload a copy of the statement directly from the portal that shows these amounts are not correct. I have never been notified of any other bill owed.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Received 1st letter XX/XX/XXXX, addressed to XXXX XXXX Called XX/XX/XXXX. Letter stated that I may have been billed for services I did not request or approve. I did not approved. Agent stated that I should receive a check in the amount of {$520.00}. No reference as to what the check is for or what it means if I cash. Asked if reimbursement or settlement as part of the law suit, they refuse to answer. They stated I should receive the check in 30 days. Called XX/XX/XXXX, I have not received the check. Agent on todays call indicated that check had not been mailed. 
XXXX XXXX Membership # XXXX REF # XXXX Received 2nd letter today XX/XX/XXXX. 
Called, asked the same questions. Agent stated that account had been terminated and asked if there was something he could do. I responded that the letter stated that if I did not approve these services ( Identity Theft ) that I should call. I called. Why is the agent acting as if there is nothing he could do. he should be providing instruction and explanation. After I asked to be escalated, he volunteered to address the letter. After escalation the Wells Fargo Customer Care rep stated there was nothing they could do. Why is it that every question you ask results in the call being transferred back to Wells Fargo Customer Care. Tell me this is not a contact firm hired to go thru the motions of taking the calls, but not with the intent of helping Wells Fargo XXXX, but adding a check to say that a customer can be removed from the list. 

XXXX XXXXXXXX XXXX XXXXXXXX I NEVER thought I would have to worry about my bank stealing from me. If you are going to send these letters, make sure the people are trained to address the questions.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MD)

A company called XXXX XXXX has on my credit report that I owe them money, but they will not produce paperwork, nor will they give me the amount. I had identity theft the last 2 years, and this is part of that. I filed a police report, and I tried to speak to them, but they show nothing in my name. It is against the law if they do not show paperwork, and it must be removed from my credit report.
Consumer complaint received 2022-09-26
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-15
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)

On XX/XX/2021, I logged in to my online account with Experian Credit Reporting company and viewed a copy of my Credit Report. The Credit Report No. for this report was XXXX. On that same date, I electronically filed, on Experian 's web site, a dispute about alias names, addresses, and some creditor account information that was incorrect. On XX/XX/2021 I logged back in to my online account with Experian and pulled and viewed a new credit report dated XX/XX/2021, with a Report XXXX of XXXX. I compared this new report to the XX/XX/XXXX report, and noted that many of the items I disputed on the XX/XX/XXXX report had been corrected. However, there were still problems with incorrect alias names on the report, and additional issues with information ( phone numbers, addresses, employer information ) missing from the XX/XX/XXXX report, and no statement on the XX/XX/XXXX report about a Credit Freeze I requested, and that Experian acknowledged placing on my report in a letter to me datedXX/XX/2021. I attempted to initiate another electronic dispute on Experian 's web site, through their Dispute Center, for the incorrect aliases. There was no way to request the addition of the missing information ( phone numbers, etc. ) through the Dispute Center. When I marked the incorrect aliases in the Dispute Center, it advised that these could not be disputed electronically, but that I would have to call a phone number XXXX XXXX XXXX XXXX, and discuss these alias issues with an agent on the phone. I attempted several times on XX/XX/2021 to use this phone number to initiate the alias disputes, and I would have mentioned the missing information to the agent as well. However, it is completely impossible to reach a live agent, using the phone number provided by Experian, to discuss or dispute these incorrect aliases with someone. The extremely limited menu choice and stubborn voice prompt system makes it entirely impossible to reach any human agent. This is absolutely infuriating. Instead of Experian making it easy to clean up ones Credit Report, like they are supposed to have done per US law, they have made it as difficult as possible, or completely impossible.
Consumer complaint received 2022-07-07
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I opened an account with Bank of America in 2016. Bank of America closed my account because a check came through that did not clear. I did not receive payment for the check but they closed it and labeled it possible fraud. Although no fraudulent activity was found my account remained closed and when I try to open a new account with another institution they deny me because of this account with Bank of America. I tried to resolve this with Bank of America and they say they report it for 5 years and then remove it. It has been five years and it is still showing up. Can you please help me resolve this issue? 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2021-06-16
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. (KY)

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT.

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2021-06-15
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. (IL)

I requested that XXXX prove to me how they " verified '' that the account with XXXX XXXX XXXX XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.