davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Grain Technology, Inc. (TX)

I have tried numerous times to contact the company in regard to my issues. 

My first issue was needing to change my linked bank account since the one on file was in the process of being closed.I reached out on XX/XX/22, XX/XX/22, XX/XX/22 requesting the link and permission to change my bank account. I received automated messages stating id be contacted in 2 business days. I received no response. Payments were still being taken from my bank account. Out of no where the terms and services changed and I was charged an {$80.00} annual fee. It wasnt until XX/XX/22 and after you all reported to the Credit bureau that I was able to finally receive the link to link my new other account. 

My current issue is I was randomly asked to submit verification of my identify to the company via the app. I was asked for a picture of my social security number, front and back photos of my government I.D, and a photo of myself by XX/XX/22 or I would be unable to access my money. I felt uneasy but still submitted this to you on XX/XX/22. I was told it would be a 5 day verification process. Today I write to you on XX/XX/22, 11 business days later, because I am still waiting to be verified. I am in dire need of access to my credit. Please understand the inconveniences has put on myself and others!
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt XXXX XXXX XXXX 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 2022-05-17
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. (PA)

The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal.

T hey also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2021-10-27
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. (LA)

Where do I begin? On XX/XX/XXXX my XXXX score for XXXX was ( XXXX ) and my XXXX score via which I filed a complaint to have my credit card balance updated to reflect a higher score my account is now lowered from XXXX with additional creditors added since early XX/XX/XXXX! My ( debt to income ratio ) reflects 0 %. 
I noticed that in XXXX there was a remark stating that the " client chose to pursue a complaint after dispute resolution.. '' I have not received any feedback concerning XXXX 's final decision on my account. 
This seems quite bizarre that old accounts have been added to my account and while the account now reflects the whole credit amount of XXXX in credit why was my credit score " dropped? '' The credit report has been updated since XXXX with my secondary address in XXXX Texas so what was the need to add such information? 

XXXX continues to send me solicitation and just recently I received an email stating that my credit score has fallen. It gives me an email to open, recognizes my name but does not tell me the score. XXXX XXXX did not provide experian FICO score
Consumer complaint received 2015-07-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Financial Services, lnc (NC)

I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Every month Capital One receives my payment of {$550.00} for my XXXX XXXX. I've had this loan since XX/XX/XXXX. Every month on the XXXX, Capital One receives my payment of {$550.00}. Every month Capital One returns my {$550.00}. On XXXX XXXX  record the return is around the XXXX. {$550.00} will be taken from my XXXX account and will not return till around the XXXX or XXXX of the month. Then Capital One wants to charge {$35.00} in late fee. I have called and talked Capital One many times. The late fee is waived. They always say it's the XXXX accountand to call XXXX. I call XXXX and XXXX says it's Capital One. I pay every bill online through the XXXX account and no other business but Capital One holds my money for days. Returns my money late. Then wants to charge me a late fee! Capital One owes me late fees and waste of time of fees. I have to babysit the account to ensure money is not stolen. This practice should be against the law. Overdraft charges and late fees make billions of dollars yearly. This month XX/XX/XXXX XXXX was received by XXXX. XX/XX/XXXX, ( according to Capital One ) XXXX was returned. Now on the XX/XX/XXXX I have a late fee! I work XXXX XXXX  jobs. Twelve hours or more a night. This is what I get for caring for people for 24 years now?
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I initiated a loan modification XX/XX/XXXX. The process took over nine months to complete. The lender agent advised me that no payment was due during the process and never sent delinquent notices to collect the monthly payments. Upon reviewing my credit report, I discovered that the lender reported my account delinquent for the duration of the review process. After being a customer at Wells Fargo for over 10 years, I would think that they would not compromise my credit rating ; however that is not the case and now I am suffering a lower credit rating due to it.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (FL)

My credit/XXXX with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company. 
1- My credit score suffers bc they have derogatory info about late payments to XXXX XXXX from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING. 
2- MRSBPO - also late payments because I had a dispute with XXXX XXXX. I paid thru XXXX at the time but was directed to that page and did not know what XXXX  was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX  I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to XXXXXXXX XXXX i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel XXXX  sent me to collections with MRS BPO.

3-I finally paid MRS BPO because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Outsource Group, Inc (MD)

On XX/XX/2021, MEDICREDIT, INC, has added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, MEDICREDIT, INC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my Applied bank credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

My bank account was hacked in the summer of 2017 and my account was frozen for weeks. I have a letter from the bank confirming this. I missed two payments due to the hacking and have given WFDS the bank letter MANY times to no avail. Due to that WFDS has my account showing TWENTY SIX TIMES!!! This has destroyed my credit score which was in the 700 's for my entire adult life. I'm now XXXX. PLEASE help to get this resolved!
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

I was getting my unemployment and my stimulus checks I was putting them in my chime account I thought everything was fine nothing changes every week I was filing exact same thing and then one week they just decided to close it and ever since then I didnt know there was anything I could do about it I just read an article that told me to write you guys and Id like to get my money back I dont know how much is in there probably about {$5000.00} Ive been complaining to everybody That will listen but nothing so far hopefully you guys can help
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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. (CA)

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XX/XX/XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Consumer complaint received 2021-10-27
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. (CA)

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resource Management Group (CA)

Phone call was received on XX/XX/2018 at XXXX XXXX PDT and there was reference to a debt owed by a deceased family member. I tried to speak with a representative but only got an answering machine. 

The company is called Resource Management Group and the number they called from is XXXX.
Consumer complaint received 2022-10-27
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. (SC)

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

Account in violation XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number XXXX XXXX U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Receivable Management Services Corporation
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX. 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Consumer complaint received 2022-05-17
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. (LA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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 2021-10-27
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.