davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (FL)

I was contacted by Grant & Weber regarding a debt claimed to be in my name. When I first communicated with their point of contact, they claimed to have no actual detail- just an amount I supposedly owe. The representative indicated they would get more information and contact me back. A couple months later they began to reach out, and after receiving a voice mail, I returned the call. I was told that I had opened an account with XXXXXXXX XXXX XXXX XXXX Credit Union, and I believe the claim was that the account was deposited into, but then overrun. The account is not mine and I have never had any relationship or application to this credit union located in California. I was never contacted by the credit union and there was no record of the credit union in my otherwise perfect credit reports prior to Grant & Weber aggresively asserting I owe a debt which has relation to me. They claimed I applied for the account and they have evidence of whatever debt I supposedly owe - they had personally identifying information and an address from 12 years ago, which is why I am concluding this is identity theft. They indicated they would provide such evidence and have not. Rather a week after my last verbal communication ( letter dated XX/XX/2024 ), they send a demand notice requiring payment by XX/XX/2024. The invalid debt is for XXXX amounts of {$4900.00} and {$4900.00}. I have taken action to file a dispute with XXXX will similarly be doing so with XXXX and XXXX.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IL)

Credence Resource Management has called my office phone number multiple times a day for awhile. When I do answer, there is no one on the other end and it hangs up within about 5sec. They never leave a message. I have no idea what this could be about. I do not have any delinquent debts and I check my credit report annually for fraud. Below are the dates and times they have called as far back as my phone tracks : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (PA)

XX/XX/22, I am very upset with this matter. I sent letters, and police reports via mail regarding fraudulent inaccurate account on my credit report. I also faxed in letters and police reports to Equifax. I feel like Equifax is taking advantage of me by ignoring my disputes and not removing inaccurate account from credit report even after I've provided proof multiple times. Section 611 ( a ) states that failure to investigate these items within 30days gives a reason to immediately remove promptly but month after month Equifax has yet to do so. Due to that law I researched, I demand this account be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at this point. Please help me.
Consumer complaint received 2019-10-08
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-19
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. (FL)

I ordered a I phone through XXXX  on XXXX XXXX XXXX  and a I phone case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Consumer complaint received 2019-05-26
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. (AZ)

I reported to TransUnion an incorrect address they had me listed at. This was about mid XXXX. I explained in my dispute that I had never lived at that address nor had I ever received mail there. I have never even lived in that city. They refused to remove the address saying it had been reported by a creditor and that the creditor had to change the address. I checked with my list of creditors and did find incidence of that address on several accounts serviced by the same financial institution. I immediately deleted that address from my accounts, removed my personal banking information as well as changed my passwords for the accounts. I then sent secure emails to each creditor verifying the above facts that I had never lived at that particular address. The creditors all stated that they showed my current address which was correct. They stated they had the other address that showed which was incorrect for only about 3 weeks. It had since been deleted. So with my current address being the only address they show, TransUnion should be able to remove that address which does not belong, nor has ever belonged to me. When I try to dispute the address again to have it removed I am told by their website that it is not an option. This makes no sense to me as there are no creditors reporting this address and I have already confirmed I do not live there nor have I ever. This could cause me problems in the future when I apply somewhere for credit and this is the main address showing in my file. There is no place to remove it.
Consumer complaint received 2021-11-11
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: AMERICAN EXPRESS COMPANY (TN)

I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with American Express that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to Covid 19 including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with American Express and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to Covid 19 and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (WI)

I made purchases on my personal credit cards for a company I was working for on the agreement I received reimbursement first before giving the products to the receiver. I was told to set up repayment on accounts through Wells Fargo. I was given account numbers and routing numbers from Wells Fargo to get reimbursed. I submitted my card balance after purchases and Wells Fargo paid my balance. After repayment I made additional purchases and was repaid through Wells Fargo. After about a month of this purchasing and repayments Wells Fargo returned all my payments and all the balances from the beginning were put back on my credit cards. My balances are up to 3 to 4 times the limit on my credit cards which proves payment. I have never been allowed to make a purchase over my limit on a credit card. This occured from the end of XX/XX/2018 through the end of XX/XX/2018. Once the payments were reversed I immediately called all my credit cards involved and let them know what happened and told them about the fraudulent payments. Then at the end of XX/XX/2018 my credit cards said I was responsible for the balances. I then contacted police, my credit cards again, Wells Fargo, three lawyers, The dept of consumer protection, and the OCC. The numbers of the accounts and routing numbers were all good from Wells Fargo when checked. I feel Wells Fargo should be responsible for paying my balances since they originally did so and lead me to believe the payments were legitimate. I have never been able to pay bills without money in my account. I do not have the money to pay back and my credit is destroyed.
Consumer complaint received 2019-05-26
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: Midwest Recovery Systems (PA)

I dont have exact dates but this collection company showed up on my credit report ( Midwest Recovery for {$180.00} ) had contacted them and they wanted my SS # to talk with me and I refused. They claim {$180.00} is from a medical bill from XXXX XXXX I never was there!! they did say it was for a XXXX XXXX, but not mine. I tried several attempts with XXXX to get this resolved but they are a joke..But XX/XX/10 of this year had to go for XXXX  for my XXXX  and the XXXX office ( XXXX   XXXX XXXX XXXX XXXX XXXX ) had my info. in computer as XXXX XXXX. XXXX XXXX, wrong phone # etc ... NEVER lived there, I gave current address of XXXX XXXX XXXX XXXX Pa. XXXX to XXXX. visit and they claim they had the wrong person as me.. This is not fair that companies can pit a claim or hard hit against my credit report even when I have a lock on it
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (UT)

I received a promotional brochure from Key Bank advertising that with a new account opened at Key Bank with a deposit of at least {$500.00}, Key Bank would credit the new account {$400.00}. A copy of the promotional brochure is attached. I opened the new checking account and transferred {$500.00} on XX/XX/XXXX. The funds I transferred were never credited to the new account with Key Bank. Upon questioning Key Bank, they stated that my funds had been received but were restricted for some reason. I have made phone calls, sent emails, and visited the local Key Bank branch trying to at least get my {$500.00} back. 12 days have now passed since Key Bank received my funds. I have yet to receive a substantive response or resolution regarding this issue. As a consumer, I don't know what recourse is available to me to pursue an organization that simply takes my money and feels no responsibility to address the fact that the money I sent does not belong to them.
Consumer complaint received 2023-03-19
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. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights. 

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the rights 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 2019-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Conn's, Inc. (AZ)

When I originally received products I was told I had so much time to pay of interest free. I spoke with someone in phone about payment and said I could go to the bank of needed. The woman stated no she would post date it for next day no worries. I specifically asked her if it would effect my no interest in which she stated no. I made various attempts and reports to fix issue even asked them to pull call to listen. They immediately began to charge exssesive interest. They got me in a high interest no principal payment. Told them to wasn't working properly and even though it should be covered under warranty they refused to fix it. Told them come get items they don't work. They never did. They harrassed me various times daily. Told them to stop calling they refused. Now yrs later found out from some letter in the mail from a law firm stating I may have been sued. Absolutely absurd!! Predatory high interest company that intentionally tried to XXXX me over, refused to help me when I reached out, and now suing me, after they harrassed me and all my references for yrs. For items that stopped working and we're under warranty but refused to cover. So I'm supposed to just sit back and XXXX XXXX XXXX why they XXXX me and my family over again and again? Worst scam ever. They should be ashamed. I struggle trying to make ends meet for my children and now they have some right years later to sue me without properly informing me, so that a judgement can be entered against me. Way to go Conn 's!!! Now maybe I will never be able to rent a home for my children because of some judgement. I'm not a hateful or mean person but in this instance O hope this company gets the same treatment they give everyone else
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (TX)

It has come to my attention that LVNV FUNDING LLC INC are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (DE)

Hello, I previously submitted a CFPB complaint regarding how I can not see my new card ending in XXXX on the TD card services login. Instead, I only see my old card that was closed due to inactivity ( ending in XXXX ). I received a response advising that my account has been corrected. However, the correction was made only to my regular TD bank login, not my TD card services login. When I log into TD card services, I am still presented with my old closed card XXXX. My username for the TD card services website is the same as my username for the regular TD bank login XXXX XXXX XXXX.
Consumer complaint received 2019-09-19
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: Experian Information Solutions 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 2022-09-15
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. (DC)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IA)

I was advised on XX/XX/XXXX that an account was opened with the last 4 digits of XXXX with XXXX, netspend, or ace prepaid and there was a negative balance of XXXX on the account. When I entered my SSN into the system it was a new account made under my SSN but not my current name. I was told I had to pay off the negative balance before they would unfreeze my account verified account that I have had with Ace Elite since XXXX. I have not had access to my money that is directly deposited from my employer and has been since XXXX from the same employer. I have been without account access since Thursday and I need access to my account. Any account that were opened after XXXX with my former last name of XXXX are not me. I was married in XXXX of XXXX and have sent all the proper information to Ace when my name changed. The account ending in XXXX is not mine. I need my account under XXXX opened so I can have access to my money
Consumer complaint received 2019-10-08
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. (AZ)

I would like to file a complaint with XXXX XXXX, Experian, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of XXXX - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.