davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I HAVE SPOKEN TO THE REPRESENTATIVES AT ATLAS CREDIT IN REGUARDS TO THE CONTANT CALLS. I CAN NOT ANSWER MY PERSONAL PHONE AT WORK. NOW THEEY ARE BUGGIN MY REFERENCES. BY THE TIME I GET OUT OF WORK I CAN NOT GET ANYONE THERE ON THE PHONE I LEAVE TOO LATE. PHONE NUMBER IS TO ATLAS CREDIT IN XXXX XXXX XXXX XXXX IM RUNNING BEHIND ON MY PAYMENT AND I AM VERY WELL AWARE BUT MY NEXT PAYMENT I CAN NOT SUBMIT TIL THE 15TH. THIS IS BECOMING HARRASSMENT AT THIS POINT PLEASE HELP!
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have requested verification and validation of an account on my report from XXXX XXXX I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card 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. (GA)

In 2017 I opened credit cards and used them to pay on a student loans. Shortly after I was let go from my place of employment because other employees said they didn't want me in the building with them and a mother complained I wasn't hugging her son enough during drop off. 

Because of the loss of work I was unable to make any payments on student loans, car loans and housing. 

Where my credit history shows I was making on time payments. 

It is now over 7 years sense I took on this debt to further my education a direct violation of The Individuals with Disabilities Education Act ( IDEA ) is a law that makes available a free appropriate public education to eligible children with disabilities throughout the nation and ensures special education and related services to those children. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, Equifax, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I was told when I opened my account if I had a direct deposit of at least {$500.00} or so I would not be charged a monthly fee yet every month they continue to take out a fee I have received some of my fees back but they still continue so I was told that the account I opened was subject to fees and was told to open another account and it would drop fees but now I get charged for both accounts I don't understand what is going on and I'm tired of contacting my bank when nothing is being done
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Hi and hope you're doing well during this Covid-19 pandemic? Be safe! Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before for XXXX bill for {$1200.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks
Consumer complaint received 2023-01-28
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. (PA)

Ive tried numerous of times to resolve this issue with Equifax. They are not fulling their grave responsibilities by not respecting nor protecting my right to privacy! They are not doing a proper investigation which requires going beyond just receiving information from non affiliated XXXX parties and falsely verifying information! Equifax NEVER DID AND DO NOT have my lawful consent to furnish anything to my consumer report without my consent!!! They are causing me financial harm and damaging my reputation by breaking numerous of federal laws In which they are suppose to be following! They have not provided me an investigative consumer report as requested which is evidence that they can not provide such information to me!
Consumer complaint received 2021-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX and Capital Auto loan both ran my credit on XX/XX/2019. My twin sister was applying for an auto loan XXXX both these companies ran a check on my credit instead
Consumer complaint received 2023-01-28
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: WELLS FARGO & COMPANY (NV)

I filed a dispute on my account with XXXX XXXX XXXX, Dispute # XXXX they stated they issued me a temporary credit which has not shown up on my account, when I called them they told me the credit was on my old card which was replaced for fraud, I explained to them the card was replaced and I have a new card number, they stated that they submitted then request to put the temporary credit on my new account and I have not gotten the credit it has been over XXXX weeks and the credit has not been moved!!! Have the credit moved over to my new account immediately in the amount of {$82.00}
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I tried to contact the company via certified mail and they won't respond to regular or certified mail. I don't know what else to do to resolve this. The company received the certified mail XXXX XXXX @ XXXX. Please help
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services (FL)

Hello, Im shocked, surprised, XXXX out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-08-31
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2023-01-28
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. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-28
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. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have my credit locked with XXXX, XXXX and Equifax to protect my credit information. I recently authorized XXXX to do a soft pull of my account which should have released only the Name, Aliases and Addresses associated with my account. I have confirmed this information with multiple XXXX employees on a recorded line. XXXX sent out all of my credit information, including Name, past addresses and contact information, collections, inquiries, remarks/comments on the account, whether the account had been disputed ect. 

They violated my right to privacy and consumer protection according to the FCRA, Gramm-Leach Billey Act and because I live in Georgia they also violated the Georgia Fair Business Practices Act and the Georgia Personal Identity Protection Act. 

I have included the report that XXXX sent me but it is password protected. The password is XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

The company is Fortiva Credit card company. My monthly payment increased by nearly {$20.00}. I contacted the company, they said it is because I have been with them for 1 year, I have to pay XXXX maintenance fee, and outrageous interest. I also paid a XXXX annual fee. Asked to have it removed I was told it is part of their fees.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am issuing a complaint about fraud on my ATM card. I traveled to XXXX X/X/2017 to X/XX/2017. During my stay in XXXX my ATM debit card became missing. I did not realize this until X/XX/17 or X/XX/17. I reported the incident to Bank of America as soon as i discovered the card missing and checked my account and saw erroneous charges. The charges that I am disputing as fraud begin on X/XX/2017 and continue through X/XX/2017. I have charges totaling {$1200.00} plus fees of {$68.00}. I have tried to explain to Bank of America the situation, due to my heavy " XXXX '' accent I seem to not be understood. I am disputing these charges as I did not make them. I have asked Bank of America over and over again to review and have been denied. I feel insulted as the claim has been denied. I will testify as I did not make the charges and have written a letter to Bank Of America stating such as they asked. I do not understand why Bank of America does not believe my statement to be true. I am a person of good morals and believe that this claim has been handle unjust.
Consumer complaint received 2020-05-14
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. (AR)

I was trying to cosign for my cousin a new vehicle, 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 XXXX {$530.00} XXXX XXXX {$2600.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$17000.00}
Consumer complaint received 2023-01-28
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$780.00}
Consumer complaint received 2021-02-23
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: EQUIFAX, INC. (TN)

On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.
Consumer complaint received 2017-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-01-28
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. (NC)

I recently review a copy of my credit report. I was shocked to see I haven been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I was a victim of identity theft as a result an account was placed in collections for a company called XXXX XXXX XXXX XXXX. I filed a police report years back when I learned of the account. However a company by the name of XXXX XXXX XXXX appears on my credit in this regard.I have sent several letters to the company and they have gone unanswered and the fraudulent data still remains on my credit.I have sent letters to the location in XXXX, Arizona. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database.They never contacted me before placing the debt on my credit.