davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and Experian both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
Consumer complaint received 2021-05-10
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE ACCOUNTS INMY  NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, TransUnion, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My Name is XXXX XXXX I am a homeowner and filed a claim with my insurance company XXXX which made good on a claim for property damage. ( Repairing my cabinets. I received a claim check from my adjuster in the amount of {$2500.00} for the repairs. On Saturday, XX/XX/XXXX I deposited my claim check with Bank of America, who immediately put a hold on the funds, stating that Nationwide, which is a National Company is infamous for insufficient funds. After an objection the banker advanced XXXX of my claim check, however, she applied without my knowledge applied the funds as nonsufficient overdrawing my account, and causing my phone bill to bounce. I've gone to the supervisor to the bank who refused to reverse the charges. I contacted XXXX claims, who advised me the check has cleared. I do not know what to do Bank of America is destroying my finances and showing no mercy.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I have been in a dispute with Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores for weeks. CCFI continually changes its strategy to avoid resolving this issue with me. First I was told to call to resolve it ... did so and was greeted by reps who had no idea what I was talking about. Then I was told to call a different number to be told they also would not speak to me. I was told the consent order from XX/XX/XXXX didn't exist. When I proved it does, I was then told I had dealt with a completely different company.

Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores are all the same company ... all headquartered in Ohio. All predatory lenders.

I was steered into a loan of {$2500.00} for the sole purpose of Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores collecting an outrageous percentage of fee. I was NEVER informed a loan for {$2.00} less would cap my fees at 30 %. I paid 78 %.

I want a refund of my overpayment. I am willing to accept less than the full 48 %, but I should not have to have paid an additional 48 % for 2 extra dollars. That is predatory and abusive.
Consumer complaint received 2023-03-09
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit.

My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX  ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't.

I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can Experian XXXX and XXXX  XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= Experian RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your Experian credit report does not display a fraud alert.

=== Experian did not Respond about the Extended Consumer alert Experian Please Resond about removing the Consumer alert ======= Ecperian should Remove the Extended Consumer alert in my Credit File XXXX XXXX CEO Banks XXXX XXXX and XXXX XXXX XXXXXXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
Consumer complaint received 2019-09-10
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. (UT)

XXXX XXXX # XXXX is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on my credit.
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

CFPB : My name is XXXX XXXX and the collection company I am talking about is called IQ Data International. This in regards to a charge that my old leasing company feels that they need to pin on me. I am having an attorney look at this as we do not feel we are responsible for the amount owed which was {$890.00} and they start to add interest. The address in the letters that they have sent state that they are from XXXX in Washington, but, the calls come from an XXXX   area code which is the XXXX XXXX area. We are disputing this and I made that very clear to the Agent that I had spoken to from this so called collection agency. His name was XXXX XXXX, but, that could be a fake name. This agent was beyond unprofessional and he was making threats about my credit and it was as almost as if he was trying to bully me into giving him my credit card information. I called XXXX XXXX trying to explain the situation that I did not agree to any amount that was charged to me and that I was challenging this. The leasing company never even sent me a bill ( Invoice ) as they just sent to this IQ Data International. After giving XXXX XXXX a piece of my mind I terminated the call. Now they have someone named XXXX trying to call me. I am not This company 's approach at collecting debt is completely out of line and it really seems like a scam. I do not want these people calling me or sending me any more letters.

Thanks, XXXX XXXX
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have contacted Experian and XXXX XXXX since I saw on my credit report that a credit card I have is showing as closed at XXXX request. XXXX XXXX has told me the card is open an active and does not see a problem. I contacted experian and after the dispute the status stills says closed on my credit report. They told me XXXX   XXXX  keeps sending back the account is closed when they try to reconcile the dispute. I called XXXX  XXXX  again and a customer service representative told me I requested my card to be closed in XXXX  and hen reopened later on which never happened. I have waited weeks for this to be resolved and every time I call they say they will open a ticket and someone will call me back. I never revive a call.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I opened a new account with wells fargo, i was told that I would be receiving a bonus of {$200.00} as an incentive for opening the account. This was not by any means my motive for opening my account. To my surprise less than a month after I opened the checking account a deposit of {$50.00} was put into my account from wells fargo. I didn't know why and found out that it was a portion of my promised bonus. I found that strange and when I inquired about it via telephone no one had heard of them segmenting the amount in this way. So I was told that after a number of days I think 90 days I would receive another {$50.00} but never did. Of course there was criteria that had to be met and as far as I could tell by painstakingly going over my account details I had met their crtiteria. Any way that's my first complaint. Now they took {$10.00} as an account fee because I had only made 8 not 10 transactions during a period of a month, well I was about to make my 9th and 10th when they froze my card due to some phony activity I've never heard of!! I feel ripped off and lied to, played for a fool.
Consumer complaint received 2018-12-24
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. (CA)

I have repeatedly requested corrections to my name spelling, address, employer etc. and they've failed each time to honor my request. I'm sick of sending certified letters to them asking them to correct the information I've asked to have removed from my report. It's not rocket science therefore shouldn't be difficult. They have left the erroneous info on my report without correcting it. This time I want it corrected and a report showing that they've done so.
Consumer complaint received 2019-09-10
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-03-09
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

This company, Portfolio Recovery Associates, has been calling our phone number repeatedly, every day, for the past 3+ months. After the first several weeks of allowing our call-screening to ignore the calls, my wife answered the phone once, and the " agent '' asked her to confirm her name, her address, and then asked for her age, whereupon my wife insisted to know exactly who was calling and why they were calling. The person said that they could not divulge any specifics until she answered all of their personal data questions. My wife refused to do so and told them to stop calling. Yet, we continue to receive daily calls ( sometimes waking us in the morning ) which now come from different area codes and numbers each time ( circumventing our call blocking ) and never leaving any message or details on exactly who is calling, why they are calling, or how to stop the calls. I have the Caller ID report identifying " Portfolio Recov '' with the number that they used for at least the past 10 calls. This is harassment. We have no unpaid debt, as a review of any bona-fide credit agency report strongly confirms. Please force this company to stop harassing us and apply whatever punitive measures are available to ensure that they comply with all consumer protection laws. 
P.S. They just called again ( from XXXX this time ) while I am writing this at XXXX XX/XX/2019.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

I contacted Portfolio to discuss a settlement for the account originally reported by XXXX XXXX, who stated they are not reporting the debt at all. I have waited more than thirty days but no response has been sent and I have had no contact. I am attempting to negotiate a settlement of {$200.00} for the account balance of {$460.00}.