davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (MO)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

I received a letter from American Collections Enterprise ( ACEI ) stating I owed a debt. I contacted them to find out why and alleged date of service. I found out they had a medical bill for a date of service I had insurance for, again. I explained to them I had contacted the original creditor and they were to bill my health insurance and that I never received written communication regarding the debt from the original creditors or that it was going into Collections. I spoke with a XXXX XXXX who transferred me to her " supervisor ''. I was requesting the debt to be sent back to the original creditor so they can bill my health insurance because this is the 3rd time I've had to do this because of this creditor, XXXX XXXX XXXX XXXX XXXX not doing the appropriate thing. He refused to provide me his name and hung up on me. I called back and requested his name from XXXX XXXX who attempted to transfer me back to the original " supervisor '' after requesting to speak to his higher up due to his rude and aggressive behavior towards me because I told him I was just going to file a complaint, he responded with, " So you'll write a complaint about our company but you won't dispute to us in writing? '' Before hanging up the phone on me. I attempted to contact the company back and my calls were screened and they would not answer. Low and behold I called from a different number and they picked up the phone. Extremely unprofessional and aggressive.
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: Experian Information Solutions Inc. (NY)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors.
Consumer complaint received 2021-05-29
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. (FL)

After reviewing my credit report. I notice that Equifax is reporting a wrong address for me which is XXXX XXXX XXXX XXXX XXXX TX. I have no connection to this address or have lived here. My current address is XXXX XXXX XXXX XXXX  XXXX Florida XXXX which is currently reported as my former address.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I checked my credit reported and noticed and saw accounts that I do not recognize. Under U.S.C 1681 section 602 A and U.S.C 1681 Section 604 A Section 2 I have a right to privacy and t also states a consumer reporting agency can not furnish a account without my written instructions. The creditors failure to reflect properly.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo claims that I owe them XXXX from the two deposits that were added to my account due to thier negligence. They somehow allowed to individuals to deposit thier Economic impact payments of XXXX to my account. They also allowed one if the individuals to also make XXXX  dollars in withdrawls from the account. 

Then claimed that I am a liability to the Wells Fargo Banks because I had made these two deposits. That is very much untrue because these deposit were both made in XXXX and during that time I was in XXXX XXXX Nevada and the way they became aware of the errors they allowed to happen only because I spotted a transaction for XXXX at XXXX that I know I did not make. 

Truthfully the largest liability in this situation in this situation to Wells Fargo is thier procedures which allowed two other people to accidentally deposit money into the wrong account. Then allowing these individuals to make payment from my account. That should have never occurred. Also a huge liability is the fact that this bank without researching further and this is clear due to Wells Fargo claiming I owe the XXXX. XXXX of which was definitely not touched and was then spent by the owner for them to say I still owe XXXX is absolutely absurd. The liability is Wells Fargo themselves and they are a huge liability to all those who trust them with thier money.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (MN)

American Express bluebird will not give me back my deposit for a hotel stay that was done on the XXXX of XXXX at the millennium hotel, I called bluebird and stated that the hotel was disgusting and they had to move us twice being that 1st time was n mn to clean and still in a used state after a customer and 2nd was not the room classification that we paid for, this room was to include multiple amenities and perks that would justify the elevated price. Ex. Special club level business room with free snacks and soda to make the stay as comfortable as possible was locked out to us and seemed as a front to trick customers into staying with them. The room was not updated since the 80s. And dusty and smelly. Not a XXXX dollar room which they also charged XXXX dollars for parking ( supposed to be comped for customers ). And also charged XXXX dollars on card for incidentals in which was told bluebird wont release and to wait When we called the 2nd time it felt like the call was a joke when we got transferred to some overseas call center. Would not say anything but the exact statement over over again. Nothing we can do we suggest you wait. Asked about certain emails we Received from them stating release of funds from 24-72 hours and still stated just wait. We have waited multiple weeks and still it is on our account and bluebird has yet chose to respond about our dispute of the XXXX hotel stay that was way out of line of what was promised so this is 2 part complaint. XXXX release our XXXX dollars for the deposit that we were told twice that it was only left to bluebird to do. And 2 the refund the XXXX Because it wasnt close to what we had gotten promised to us. We called millennium hotels and we called XXXX reservations so the call to bluebird is our last line of defense and they dropped the ball to protect its customer.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to XXXX via fax and XXXX and Experian via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for Experian XXXX XXXX XXXX XXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2023-06-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have submitted a total of 4 notarized letters to Transunion requesting that the accounts on my reports that are in question be verified with proof ( signatures, contracts etc. ) or to delete them. Not only have they never sent any feedback regarding the accounts that they claim are " verified '' but they also failed to provide proof of verification. The last letter I sent to Transunion regarding this detailed that I will sue them if they leave these accounts on my report. It has been months and they are still on my account with no action or follow-up to my letters taken. I intend to complain to the XXXX XXXX XXXX  and Federal Trade Commission also if they keep these fraudulent accounts on my report. It is prohibiting my rights and they're not following law.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I do not owe anyone anything : called on XX/XX/2020 at XXXX XXXX : XX/XX/2020 at XXXX XXXX and XX/XX/2020 at XXXX XXXX This place called from XXXX on numerous occasion and has left voice messages. 
The guy sounded foreign- he asked if I was so and so ; I said yes and then asked if my date of birth was this and if my social security number was this and my address. I told him I do not give out information over the phone and he would not, Tell me what he was calling about ; he just kept repeating it my information.I requested that they do not call again and then I just hung up, it was scary because I havent gave my info out and I dont have any bills.
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (MA)

Seventh Avenue has been sending us billing statements with a reference number, but no product description, stating a payment of {$170.00} was due ( now increased due to late fees ). We initially ignored these statements because, after doing research, it appears this company is an old school phishing scam to get our personal information. We are now receiving statements stating they will send our information to professional collection agency. We had never heard of this company before, nor have we ever purchased anything from them.
Consumer complaint received 2020-12-09
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. (PA)

Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2021-05-29
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

After reviewing my credit report per transunion, XXXX and XXXX. A degoratory mark was placed on my credit reports on XXXX XXXX 2016. After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance XXXX XX/XX/2020 To whom it may concern : I have a car loan through XXXXredit Acceptance. My payment is {$400.00} a month. I made payments until Covid hit and missed a couple payments. They would not work with you during the global pandemic. They reported it to the credit bureau and totally destroyed my credit that i was rebuilding. Once we were able to I started making extra payments a month. I was caugh up in one month. When i called to question why my principal did not go down by the amount of the double payment. I was told we dont do that. It is redicilous. 

I was also forced to purchase an extended warranty for the car. Our mechanic had called a few times to get something approved and it is always a no. That was something I was told was supposed to be covered. Nothing was ever covered. 

I would like the extended warranty money refunded, from when i bought the car, plus interest and have that applied to the loan. I would like to have the extra money that i paid applied to the principal. I would then like a final payoff. The reality of the situation is that I have already paid the car off. 

I would also like to know what my next step should be. I will put the payment money in an escrow account. I will not send it to Credit Acceptance. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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. (GA)

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to TransUnion, XXXX, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals