davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I rented a musical instrument for my sons school. I gave my credit card information and drivers license. the merchant then asked for my ss number. at this time I asked clearly whether she was going to generate an inquiry on my credit report. she sad no. I told her I did not want that and asked again at least XXXX more times. each time the merchant replied no. she said it was for identification purposes and assured me it was not like applying for credit. the next day I checked my credit and I saw the inquiry. I immediately called the merchant and she apologized and told me she was not aware that was going to happen. she remembered that I had asked several times and told me she did not agree with what happened. she gave me a main number to call. I then called the main number and asked to speak with a credit supervisor. I explained to her my situation. she called the merchant and only asked whether I signed any documentation to which the merchant replied yes. I told her that none of the documents contained my ss number because I was concerned about this. she refused to remove the inquiry. I then called Equifax. I spoke with XXXX # XXXX. he incorrectly told me that only the creditor can remove the inquiry even if it was placed incorrectly. I would not have an issue with the inquiry on my credit report if I was informed correctly what was going to happen. I was misinformed and I clearly asked the merchant and depended on the information that they gave me. I was given INCORRECT information and they should take responsibility for this and have this inquiry removed. as I mentioned because i was concerned, I did NOT place my ss number on ANY FORM. please respond as to what the next step will be. thank you. 
the date of the transaction was XXXX/XXXX/15. the merchant was XXXX at XXXX XXXX XXXX. this was done through XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IN)

I had a  XXXX  credit card through   XXXX   XXXX  . I was behind on payments and they sent it to  Central Credit Services LLC for  collection. I called them on  XXXX   XXXX    XXXX   and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called central credit back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  XXXX  is calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by Central Credit and  XXXX  I have other  XXXX  accounts and none of them have done this or offered to.
Consumer complaint received 2022-05-06
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: JPMORGAN CHASE & CO. (NJ)

In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2018-06-20
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. (IL)

The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-06
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. (GA)

I have on several occasions filed a FCRA 611 dispute letter with Trans Union requesting they provide me with the method of verification they used to verify a disputed item. They each time have come back with what I attached. 
I know they are unable to do this and seems like each time the attached is the automatic response given. 
They are fully aware that I have copied CFPB, as I mailed my dispute to you also as a backup. 
Please look into why they are not adhering to FCRA 611 requirements.

As these two items listed that I questioned should have been removed. Because they can not provide the method of verification. Thank You
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC. (CA)

Received a phone call from XXXX XXXX ( XXXX ) XXXX claiming to call from an XXXX office regarding an account from XX/XX/2013 regarding a debt from a XXXX XXXX 's credit account to inform me of a law suit pending. XXXX XXXX threatened me to move forward with this law suit unless I was willing to rectify the situation thru payment of the balance. I informed him that I had no knowledge of this account and that it was past the statue of limitations in the state of California, he responded that it was not and that he is aware of this because he works for an attorney. I again advised him that I had no knowledge and that he was breaking the law by communicating with me. At that point, it turned into a yelling competition but was able to get his name letting him know that I would be filing a complaint with the CFPB and hung up the phone. I then realized I did not get the name of the company XXXX XXXX was calling from. I called the number back and XXXX XXXX answered " mediation ''. I stated that I needed the name of the firm he represents and he responded " sure '' and hung up on me. I had to have my husband call the number from his cell phone and retrieve the firm 's name. Another representative answered and clearly stated and spelled out " Halsted Financial Services ''.
Consumer complaint received 2022-05-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( ACCOUNT NAME : 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 instruction.
Consumer complaint received 2018-06-20
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. (IL)

The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (TX)

In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Consumer complaint received 2021-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Consumer complaint received 2021-11-06
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)

Experian willfully and knowingly failed to respect my consumer rights to privacy. They reported inquiries that I did not authorize or consent to. Experian is now civilly and criminally liable. I sent an affidavit of truth, proof of violations and an invoice.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (GA)

I have been a devoted customer of NetSpend Corp card services since 2006. Throughout my years of being a loyal customer I have experienced overdraft charges to my account and from their advertising there should not be any overdraft charges. I have been charged for fees and other false overdraft fees. There were cards sent to me without my consent that I had not requested. 
As a result I have experienced numerous charges accrued. My finances have been unsafe and left for vulnerability as a target for identify theft. I have been decieved for many years from the false advertisement and had not met their promised protection of monitoring my accounts resulting in loss of monetary assets. I have numerous times been delayed access to my funds that I have worked hard for. From being a loyal customer to not being provided the promised protection I feel NetSpend has lost my loyalty due to the lack of delivery and no proper way of informing their customers of changes.
Consumer complaint received 2022-05-06
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. (NC)

Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2022-05-06
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. (GA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent Transunion a letter asking for verification of Items on my credit report. I referenced section 609 of the FCRA. This letter was sent on XX/XX/XXXX.

I asked for Physical Verification Creditor for the following creditors : XXXX # XXXX ( the status of this account showing chapter XXXX bankruptcy ) XXXX XXXX XXXX XXXX # XXXX ( shows 30 days late XX/XX/XXXX) XXXX XXXX XXXX XXXX # XXXX ( account showing chapter XXXX  bankruptcy ) XXXX # XXXX ( account showing chapter XXXX bankruptcy ) XXXX # XXXX ( account was paid in full showing chapter XXXX  bankruptcy ) I requested documentation proving these items accounts should be in bankruptcy and that their mine.
Consumer complaint received 2019-06-27
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. (TX)

I have been trying without any success to update my personal information such as my address information and Transunion has failed to maintain accurate and true information regarding my personal information. I have attached the original certified letter mailed and delivered on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. I have spent money and time trying to correct this and I hope they will listen to CFPB. I would like them to correct this and update the information once and for all. Thank you.
Consumer complaint received 2018-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (KS)

On XX/XX/2018 we closed on XXXX XXXX XXXX XXXX XXXX KS XXXX which paid off the mortgage to Ditech Financial LLC account # XXXX. However, Ditech never refunded the escrow amount of {$440.00}. I have sent emailsXX/XX/2018 and XX/XX/208 and made phone calls XX/XX/2018,XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 with a promise the amount would be refunded but it never has been refunded. Ditech Financial LLC., XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX.
Consumer complaint received 2022-01-09
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. (NY)

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX, which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/XXXX. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called XXXX XXXX XXXX XXXX XXXX about this matter and was assured this would be handled as I do not have any new credit cards with them.
Consumer complaint received 2022-12-14
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. (NV)

I submitted a letter to the XXXX Credit Bureaus ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts 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 #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. 

I have filed an FTC report with report number XXXX.
Consumer complaint received 2022-05-06
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 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 instruction.
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK (TX)

My name is XXXX XXXX ( cell phone # XXXX XXXX XXXX ). I received a statement letter from Mechanics Bank XXXX XXXX stated that I took out a loan amount {$87000.00} with total payments of {$98000.00} to purchase a XXXX  XXXX XXXX from XXXX XXXX XXXX. I never bought this car. I never contacted Mechanics Bank for a loan. This is XXXX. 

Dealer Address : XXXX XXXX XXXXp XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX XXXX XXXX Mechanics Bank XXXX XXXX  information XXXX XXXX XXXX XXXX XXXX Nevada XXXX phone # XXXX Account # XXXX
Consumer complaint received 2023-03-16
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. (GA)

XXXXXXXX XXXX XXXX reported {$440.00} bad debt collection to my experian account in XX/XX/2023. XXXXXXXX XXXX XXXX states My account was improperly closed however, the proof is provided that the account was closed successfully.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is in response to a previous complaint filed with the CFPB ( case number XXXX ) against First Point Collections. This agency claims that they sent my original request for validation to an address they had on file which proved to be the wrong address because I never received any claimed validation from them. My correct address is the one listed on the certified mail that I sent as well as the address I listed in my initial debt validation request. By sending this alleged validation to the wrong address First Point has exposed my medical information being that who knows who was on the receiving end of that information. This is a violation of my HIPPA rights as no one should have my medical information other than the medical provider who treated me. This also violates my right to privacy. Also I never received any communication from First Point Collections informing me of this alleged debt which is a violation of 15 USC 1692g ( a ). So not only did they furnish an unvalidated debt but they also turned a private matter public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Also I have attached the alleged validation letter they attached via the CFPB because they sent the initial request to the wrong address. In this letter First Point Collections is in violation of 15 USC 1692b ( 5 ) as well as 15 USC 1692b ( 2 ) for stating that they were a debt collector without knowing who they were communicating with. Since they sent this information to the wrong address whoever that received that mail could assume that Im in debt causing harm to my reputation.