davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R&R Professional Recovery, Inc. (MD)

I received a phone call on XX/XX/XXXX regarding this account that is being reported on my credit report. I asked the representative on the phone to please send me written verification of this debt including the dates that the debt was incurred. I didn't receive anything to that affect. I mailed a letter asking for validation of the debt again on XX/XX/2018. I haven't received anything regarding this account. I did some investigating and found that this account is more that 8 years old so I would like the creditor to validate or cease. I would like this creditor to remove this listing from my credit report immediately and cease trying to contact me about this debt that I believe to be well outside the statute of limitations.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KY)

I've had it come to my attention over the past few years that several bank accounts have been opened in my name and using my own information and cold checks were then written and cashed on those same accounts, looking as though it were me doing so. It has caused me various legal issues including jail time and fees and prevented me from opening any legitimate bank accounts.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MN)

I am trying to order myself a list and also get some personal items and my bank has blocked me from unlocking my card I am stuck trying to get home into the store to get personal items there is no disclaimer on their website about service being disconnected at this time Im taking screenshots of everything this isnt the first time that this is happened and theres no end of when this is going to be fixed or notification in an email saying that this is going to happen so now Im stuck in the middle of nowhere trying to figure out where Im going. Pnc bank is responsible.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NE)

Ive received a letter stating I owe XXXX a {$100.00}. The company American Coradius International LLC.XXXX stats I can pay a reduced amount of {$75.00} that XXXX is willing to accept. Ive searched online looking into this company and they have terrible reviews of scamming people saying they owe money. I havent reached out to XXXX but from what Ive read XXXX doesnt do business with this company. All my XXXX accounts are current or paid when making any purchase. I dont have a XXXX credit card either. This company needs investigated and shut down before anyone gets taken advantage of.
Consumer complaint received 2022-07-24
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. (IL)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-06-15
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. (GA)

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

I paid my XXXX credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via ACH direct deposit on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from XXXX and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} XXXX  Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that XXXX  reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as XXXX literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as XXXX has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.
Consumer complaint received 2018-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX XXXX I XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XX/XX/XXXX {$8400.00}
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MO)

When I purchased my vehicle, I also purchased XXXX insurance. I became XXXX on XXXX XXXX. My XXXX insurance didn't pay one of the payments on the due date so instead of getting charged a late fee, I made the payment on time. I asked the company what would happen because my account would show an overpayment and I was told that the money would be returned to me. I received a lien release dated XX/XX/XXXX from Wells Fargo. I called the company on XX/XX/XXXX and asked about the overpayment and I was told that they would release overpayment on XX/XX/XXXX. I called again on XX/XX/XXXX and XXXX said check would come any day, that it was mailed on XX/XX/XXXX. I called the company on XX/XX/XXXX, and was told that they would have to fax me a paper within 48 business hours. I never received this. I called the company again on XX/XX/XXXX and told them I was contacting CFPB, they said the original check had been returned. I wanted to have them explain this to me, I was given a case number which is XXXX. Wells Fargo did call me on XX/XX/XXXX and I told them that they have 11 week before mi file this complaint. I feel that they have no care because this has been paid off
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have had my Coinbase account blocked for several months, so I can neither enter it nor buy or sell cryptocurrencies. I have opened several cases to Coinbase and they do not solve it for me. I enclose screenshots of everything sent and that I still have the account blocked. when I try to enter the account, it asks me for an sms sent to a number that is not mine, as I show in the attached file " XXXX XXXX
Consumer complaint received 2022-03-04
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. (SC)

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.
Consumer complaint received 2020-06-05
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. (AR)

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX XXXXXXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Consumer complaint received 2021-06-10
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: VW Credit, Inc (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-05-11
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. (MI)

I have disputed the error of XXXX. XXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address a matter that has been of concern lately regarding the regularity of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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)

Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (FL)

Previous complaint : I have been trying to get a proper resolution to the problem and incorrect information reporting on my TransUnion Credit report. I have sent in disputes for the last several months and I keep getting a generic response that doesnt address my concern about the account reporting. I disputed the information reporting from XXXX. TransUnion keeps saying that they verified the information but wont tell me how and any information about how they came to that conclusion. There are so many things wrong with the information reporting. I also sent out my last letter at the end of XXXX and never heard anything back from them. I called to get more information and they said they never received it. 
Current complaint : I still have not received the proper response to my request for an investigation. I have a right to know how the information pertaining to XXXX repossession was verified, what information was used. The other two credit bureaus deleted this falsely reporting and unverified information, however TransUnion has not done the same.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I never have an account with Midland Funding, I tried to contact them several times but they are failed to send me necessary documents to prove my ownership. I already sent dispute letters to credit bureaus via certified mail. But for 60 days I never heard from them.
Consumer complaint received 2022-03-04
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: JPMORGAN CHASE & CO. (CA)

I bought a ticket with a no change fee leg that would occur on XX/XX/2022. The airline company violated this contract ( See Ticket Conditions in attached pdf with XXXX in filename ) and charged a change fee. I have also submitted a DoT complaint ( Case # XXXX ) in reference to this as well but was hoping to more quickly end this through a credit card dispute. I was able to make a dispute through chase but was asked to provide documentation by a letter through their system in the letter ( which I am attaching ( FebChase.pdf ) ). The key phrase being " : Here 's how you can send the requested information '' " Send us a secure message at Chase.com '' So I proceeded to send documentation through the secure message system as I was informed through Chase 's letter that I would be able to. 


I further sent more documentation in mid XXXX along with a comment that requested to know if the dispute department had received said documentation and a comment that the dispute had been misclassified as well. In the response ( which I will attach ( Secure Messages - chase.com_MidFeb.pdf ) ) I received a the following comment that specifically told me not to follow up further as it would cause a delay. 


" Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. " So I didnt send more information as the notice said I would only further delay a response. So today XX/XX/XXXX I received a letter that my dispute was completed due to my never having sent documentation which I did ( I am attaching the secure messages confirming the sent documents along with the documents themselves ). 


If Secure Messages isnt a valid way to send documentation then the official letters from Chase should not list them as a valid way because otherwise is basically telling consumers to put important documents for their dispute in basically a trash bin. 

If possible, also please do not send responses in emails that look like phishing emails with attachments and use your Secure Messages system to send " Secure Messages ''?
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (IN)

I paid alliant credit Union {$600.00} on the XXXX of XXXX, they denied the process was not a bank issue my payment was due on the XXXX which they did not accept on the XXXX and now they hit me for a 30-day late charge and 30-day credit hit. I have plenty of money in my bank account but yet they're the ones that denied the {$600.00} my phone number is XXXX I also have documentation of the payment date and the refusal email on the payment which was dated for after the payment date
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/2016.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them.