davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I  would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2019 I contacted my bank Wells Fargo and informed them that my phone was stolen from my car and that I have purchased a new phone and changed my username and password to protect my account and that I received an email stating that someone was trying to access the card free atm but was unsuccessful. I informed them that other than that I had no suspicious activity and no unauthorized transactions and was advised to change username and password to prevent any future attempts and Also to call them back if I notice anything unauthorized. Two days later on XX/XX/XXXX Wells Fargo disabled my online account. When I called in to get my account enabled they informed me that my account was under review and that they had no further information. 4 days later they made a business decision to end my relationship with the bank. With out any reason. I did as I was supposed and informed all my financial institutions of my stolen device. And that although my device was stolen I had no unauthorized activity on any of my accounts. But Wells Fargo decided to punish me for my phone getting stolen and then closing my account saying I could never be a customer ever again
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I submitted a complaint before about this same matter and received a much disappointing vague response. I would now like to see proof of me owing such debt will I will include below of me owing any money to XXXX XXXX/ collection company. 

I have also sent certified letters to both the credit bureaus and the collection company in question via US mail. Im waiting to obtain a response.
Consumer complaint received 2017-06-03
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. (NY)

XXXX  and Equifax or falsely reporting the wrong information on my reports.   i have not applied nor do i fill out any applications for the cards listed here,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These are not my applications and these were not made by me. I have asked several times for them to remove these inquiry 's and they have refused. i have sent proof that these are not my applications.   The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of cred it b ) insurance c ) employmen t or d ) a court order.   The following credit inquiries are related to none of the aforementioned permissible purposes :
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disputed an account with Experian from XXXX XXXX XXXX due to the fact XXXX was reporting an incorrect balance on my report. They were charging to much interest. I provided the letter to Experian from XXXX stating this. I asked this account to be removed from my credit file due to the inaccuracies. I don't care if XXXX updated the balance, it was still reported incorrectly for years and I want this account removed from my file per FCRA guidelines. I'm not sure what information Experian has claimed to verify, but I provided them with the letter from XXXX. If this is not removed. I will take further action against Experian. It has already been removed from other bureaus but someone Experian is not cooperating. I'm attaching the letter once again from the creditor. So, if XXXX claim the letter they sent is inaccurate, I need to know so I can take action. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC (CA)

XXXX XXXX XXXX employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (CA)

I solicited XXXX XXXX and thought I was soliciting Debt Management non-profit. Not for profit. I have 9 accounts that they said they negotiated. When Credit Counseling pulled my credit they said that it appeared that all the creditors that XXXX XXXX said they paid. The accounts were sold and charged off. I'm paying {$840.00} dollars a month to XXXX XXXX and they are not willing to provide proof of payment to to creditors that they said they paid for me at a reduced negotiated amount. XXXX XXXX told me if I wanted payment information that I would have to call the creditors and ask them what they were paid and provide the proof. I'm paying {$16000.00} in fees to XXXX XXXX and Freedom Debit relief. No assistance. Then two creditors sent a tax forms to add to my taxes as income. I could have just stop paying the creditors and received a " Charge Off ''. I made a good faith effort and to pay based on my income and was taken advantaged of by XXXX XXXX and Freedom Debit relief. Beware this is loan scandal high interest rates. So called negotiations from 30 % to 50 % per creditor. For {$28000.00} dollars I will be paying {$44000.00}. i ; m also in the UNION and didn't get my UNION Discount. Fraud.
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (PA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Pa. The suv was sold to me for {$37000.00} with a ticket price of {$39000.00}. 
I put down {$26000.00} with a Certified check. 
Also put {$500.00} down on debit card and then {$520.00} personal check and another personal check {$2300.00} for all warranty and the The platinum coverage. 
I was then told I was finance with XXXX XXXX, but later found out I was financed with Westlake Financial. My loan was only supposed to be for {$13000.00} but was now {$17000.00}. I was very confused on everything an what just happened. So I just said I will just pay the car off sooner, Westlake Contacts me on XX/XX/XXXX and states I have not made a payment. I said I had and gave them Payment information. They then said my payment bounced. I have my bank statement saying it was clearly paid. I have all my payment proof information. They repossessed my car 4 times! With me making on time payments. I paid so much money and have been sending emails since XX/XX/XXXX trying to get my account fixed. They repossessed my car again and said I owe them {$21000.00} but will now sell me my suv back to me for the Original loan price of {$13000.00}. I then found out my Warranties were also in my loans that I paid cash for, as of XX/XX/XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Link Management, LLC (CA)

Capital Link Management employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.
Consumer complaint received 2019-08-31
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. (DE)

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). Equifax, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.
Consumer complaint received 2022-09-26
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. (TX)

This complaint is to inform the CFPB that I have received notification from Transunion in regards to former complaints I submitted XX/XX/22 complaint number XXXX. The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Transunion is willfully breaking the law by denying me the right to examine sensitive information they have regarding my credit file.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

XX/XX/XXXX - XXXX {$300.00} & {$250.00} XXXX XXXX XXXX XXXX XXXX {$83.00} & again for {$280.00}. So i have been having issues with accounts getting hacked into XXXX XXXX and about XXXX other ones so I believe they somehow got back into my account and stole my information again after I made a purchase online, I blocked the transactions over text message which clearly did nothing and has happened in the past as well. I contacted bank support to let them know of the issue and they told me they would forward it to the dispute team which then denied my claim even though I had blocked the transactions and I did not authorize them they still denied my claim they're asking me to provide receipts or invoices when I was not the one who made them and to contact the merchants which I have XXXX of figuring out who they are. I could rebuttal the dispute but they will just deny it again due to the fact that i don't have any other info other than someone stole my information and that I blocked them which they should be able to see I blocked them in the first place but they wont do anything about it.
Consumer complaint received 2022-12-16
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

I was contacted via mail XX/XX/19 by Midland Credit Management. The letter stated MCM was seeking legal action against me for an unpaid debt of XXXX dollars from XXXX XXXX XXXX. I have never been associated with XXXX XXXX XXXX, so this debt is not mine. I called to confirm this with MCM, and they asked for my birthday and the last 4 digits of my social. When I supplied both, they confirmed my information did not match the name they had on file, and stated it must have been a mistake ; my name just happened to be the same as their records. I asked them to take me off their contact list. They said they would. The next week I received two more identical letters. Calling does nothing. They repeat that the debt accusations are a mistake, yet they send threatening letters that claim legal action. Please help.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OK)

my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. Navient and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

Experian is playing games with my credit score and I believe its in retaliation for me filing complaints against them. I have news for you I will keep filing complaints on a weekly basis until I expose your crooked ways.

I get am alert today that my credit score dropped 29 points and nothing had changed with my credit file. No derogatory items, no late pays nothing and yet 29 points it dropped. This just proves that the credit bureaus are dirty. They are frauds and the executives should be locked up in jail. They are ruining peoples lives and they need to be locked up.

I want an explanation as to why my score mysteriously dropped 29 points when nothing had changed. This is garbage that they are doing this. Liars and cheats.
Consumer complaint received 2019-10-18
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. (TX)

I have sent several letters to XXXX XXXX XXXX  asking for validation of this the account be provided. 
Additionally I requested this be done with all three credit bureaus as well and nothing has been done to resolve these matters. 
XXXX XXXX XXXX  is reporting a Charge off Account to Transunion as a opened account Opened XX/XX/XXXX ( Opened 3 years 9months ) Monthly payment {$0.00} Last payment XX/XX/XXXX Past due {$390.00} Times Late 30/60/90. 0 times Closed XX/XX/XXXX Current payment status is showing as a charge off.

Reporting on XXXX  as late payments missed I request this be investigated further because its no way possible I could have opened an account for three years but closed it in 4 months. 
This is inaccurate information and it needs to be reviewed further.
Consumer complaint received 2023-03-01
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$380.00} XXXX/XXXX  XXXX : {$160.00} XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2019-10-18
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. (MI)

NEWINFORMATION:NOTADUPLICATESEEDATESOFLETTERSXX/XX/2019TRANSUNIONsentmeanewtheresultsoftheirinvestigation.AttachedNOTETHATTHEYREPORTINNACCURATELY.NOTETHATUNDERTHEFCRA,"IFNOTREPORTED100%ACCURATELYITHASTOBEREMOVEDIMMEDIATELY''EachaccountshowsaBALANCE.Balancecannothaveanamountonachargedoffaccount.ITHASTOREPORTASXXXX.

LettersfromXXXXXXXXdatedXX/XX/XXXX,XX/XX/XXXX,andXX/XX/2019allaskMEforsupportingdocumentationandstillcannotprovidemewithinformationI'verequested.

Furthermore,thedocumentssentfromthecourtswassufficientfortheotherbureausbutyetnotsufficientenoughforTransUnion.Maybethejudgewillloveawardingmemy{$1000.00}peroffense.

GETTHESEACCOUNTSOFFMYREPORTSTODAY!Youdidnotanddonotreport100%truthandthishasgoneonformonths!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

Amount : {$460.00}. 
Amount : {$600.00} Amount : {$620.00} I sent a request debt validation letter, asking for the original contract with my signature, payment history with the original creditor, and requested proof of debt assignment. 

I have not received anything back and the collections are still showing on credit reports. 

I also did dispute the ownership of these accounts on XXXX XXXX and still showing on the reports. 

Please help me remove these derogatory accounts from my credit reports. 

Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-12-16
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 

XXXX XXXX XXXX