davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

XXXX XXXX XXXX is attempting to fraudulently collect on a debt not owed by billing in advance despite my change in carriers prior to the advanced billing date-range in question. 

On XX/XX/2022, I changed carriers from XXXX XXXX XXXX to XXXX. I was not under contract, had no outstanding balance of any kind, and no obligation to XXXX XXXX XXXX beyond XX/XX/2022. On that same date, XXXX XXXX XXXX attempted to bill me in advance for the period of XX/XX/2022 through XX/XX/2022 for phone numbers " XXXX '' and " XXXX ''. Both of these numbers were wholly serviced by XXXX for 100 % of the billing period in question, as is evident in the supporting document titled " XXXX XXXX XXXX ''. 

When I contacted XXXX XXXX XXXX to dispute this, their representative acknowledged that they would be unable to provide any of the services described in the advanced bill and subsequent collection attempts, but would not close the account satisfactorily based solely on XXXX XXXX XXXX 's own internal policy to bill in advance even after a consumer changes carriers. This is a fraudulent billing attempt and a predatory business practice.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted this credit bureau on countless occasions this year regarding a XXXX XXXX account that does not belong to me. I have requested they block and delete the information from my report according to the FCRA 605B ( 15 U.S.C. & 1681 C-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The credit bureau has yet to verify the account and have yet to remove it from my credit profile despite my several disputes, that included proper identity verification, and a formal complaint I filed with Federal Trade commission.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (TX)

This company gave a very high interest rate when others with very similar credit profiles were given lower rates. The only explanation for this could be discrimination. Also, there are numerous reports of this company removing late payments on customer reports based on the fact that the customer did not receive statements. I moved during my loan and did not receive statements and have requested lates to be removed. I was discriminated against and provided no help.
Consumer complaint received 2020-10-12
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I was denied opening an account based on information on a ChexSystems report. There is an abundance of fraudulent and incorrect information on this report. I contacted this company by phone to find out this company is located over seas in XXXX. I tried my best to dispute this report online and the website used to dispute asked for social security numbers, address, drivers lic, and personal information that I am not comfortable with providing on a website that seems very shady and then the individual over the phone is from XXXX. I have no way of disputing this report. I have put fraud warnings and freezes on all 3 credit bureaus with no problem, however I can NOT do so with ChexSystems without providing personal information by phone with a company over seas. 

I asked this individual I spoke with in XXXX to provide me with a US number and I was told that is not an available option. I was informed again, that I can provide my personal information and he would have a US rep contact me. 

This is absolutely unacceptable and should not be allowed to do business in the manner. 
XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are 3 of the credit unions that use this company and deny you given the information of such company.
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sprechman & Associates, P.A. (FL)

I Had XXXX  XXXX in 2016 had no insurance. I live in XXXX. The XXXX bill alone was over XXXX XXXX dollars. There repayment plan was XXXX dollars a month which I don't have. 
I recently received letter from a bill collector representing as a lawyer Sprechman & XXXX PA. Stating I owed {$11000.00} plus interest {$1000.00} ( my Dr does not charge interest ) also my Drs have their own lawyers here in XXXX . This is a collection scam they have negative reviews on their website regarding fraudulent practices. My lawyer indicated to me to file a complaint with FTC.
Consumer complaint received 2018-09-21
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)

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. 
XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
Consumer complaint received 2018-09-21
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. (MN)

I have disputed XXXX XXXX {$210.00} multiple times with equifax. Equifax has failed to verify or validate this debt that they are inaccurately reporting on my credit report.
Consumer complaint received 2019-10-21
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)

XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.
Consumer complaint received 2022-08-11
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. (NJ)

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc. (CA)

I am being charged for a bill collected from XXXX  XXXX that was paid off. HP Sears XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than {$1000.00}. XXXX  XXXX store attempted to take advantage of people by giving them high prices and interest rates. I called HP sears to provide me with a receipt or statement that shows what i owe. They stated that they send it to XXXX XXXX. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Equifax contacted XXXX XXXX XXXX  stating I filed a fraud complaint with their agency disputing a credit line of {$300.00} opened without my authorization which is false. XXXX XXXX XXXX suspended all access to account paid on time. 

Equifax acts resulted in closure of a good account while I am in a mortgage purchase process with a closing date of XX/XX/2019. XXXX XXXX XXXX will not reopen account.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Finance Company, LLC (FL)

Last year I called and closed my account with Celtic Bank ( continental finance company ) to which they complied. However I had a balance of {$400.00} on the credit card. This company decided to contact a third party collection agency and " assigned '' the debt to them but I never signed off on that which makes their collection practices illegal pursuant to the Fair Debt Collection Practices Act. Additionally, the Credit Card Act of 2009 ( which is part of the Truth in Lending Act ), to be specific 15 U.S. Code 1637i ( 4 ) any closure of an account does NOT constitute default and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor. Additionally, Celtic Bank is supposed to enter into an amortization period of no more than 5 years. I demand that they correct this issue immediately.
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management (LA)

On Friday, our city was one of many impacted by Hurricane Delta. Because of this we are communicating with many people in regard to damages. When the lady called she stated that she was a bill collector and I explained that right now we don't have electricity and we are trying to pick up our lives. She snarkily said " why did you answer the phone? '' And then hung up before i could inform her that there are many reasons. Let 's see ... insurance agency calls, I am on call and my employer is using alternate phone numbers due to increased outages and their state offices are in the area code they called me from. I have friends and family members who may be trying to reach me. How rude and unprofessional can one be? And heartless.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (NV)

ATTENTION TO ABSOLUTE RESOLUTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company ABSOLUTE RESOLUTIONS XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2023-01-31
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: National Credit Systems,Inc. (OH)

XXXX XXXX XXXX ( NCS ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX  for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them XXXX XXXX and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

In XXXX I had charges on my credit card with Wells Fargo, I did not realize until XXXX, on XXXX I called the company Wells Fargo to report it and ask to stop the payment since this is a fraud. 
in the XXXX statement the charges wells Fargo appear again did nothing for my protection on XXXX they open a case # XXXX I send a letter to the XXXX XXXX XXXX call me to informe they working on that the problem when I report on XXXX The Bank no do Nothing to protect my account now my balance is close to XXXX for all this charges
Consumer complaint received 2020-10-12
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. (FL)

I have many inaccuracies reporting on my report that Experian has done nothing about. There are accounts open and negative reporting that are linked to an address that I do not live at and even though the proof of documents I have sent in they still refuse to do anything about it and they ignored me.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (NY)

A cybercriminal took out {XXXX} from my account. The Bank refused to waive this charge. My counsel advised me to immediately close this account. The bank blocked this account but charged me the entire amount and interest charge and finance charge. 
Under these circumstances, I took a loan of XXXX} from my father and paid this bank on XX/XX/2022. 
Nevertheless, the bank refused to close my account and let me take out my money. 
The name of the bank is City bank., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX New York XXXX.
Consumer complaint received 2020-08-19
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. (CA)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX   XXXX {$320.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX-XXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$8100.00}
Consumer complaint received 2020-10-12
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. (AZ)

I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer XX/XX/2020and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?
Consumer complaint received 2022-04-06
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)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (SC)

Also, please see attached on IQ Data response to the dispute we sent out. They have included only a summary of charges. This is NOT sufficient proof.

I have included a copy of an email to XXXX 30 days prior to moving out requesting a call back, and confirming I would not be renewing my lease. The reason I am adamant on disputing this is because of the following.

1 ) I did due diligence trying to turn in a formal notice to the office. I went by the apartment office three separate times during normal business hours and they were closed.

2 ) I left several voicemail messages asking for a call back. I never heard from anyone.

3 ) I sent an email 30 days prior to my lease expiring stating that I would not be renewing and that I needed a call back to know what my proration would be for XXXX. Again, no response. 

4 ) I professionally cleaned the apartment and dropped the keys off in the drop box prior to my lease expiring.

5 ) I spoke with the maintenance manager and he told me that XXXX XXXX  were undergoing major changes and complete staff turnover was happening. This must be accurate as they no longer are called XXXX. New signage indicates its now called XXXX XXXX. 

This proof sent by IQ data is nothing but an invoice.