davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This year, as in the distance past with credit card suits ( invalid and unresolved ), none of the 3 credit reporting angencies have responded to my phone calls, XXXX 's or written correspondence. Continuing the scamming of personal funds via court/cop routine. Now I am not able to get XXXX XXXX XXXX for my apartment home without paying XXXX to XXXX and XXXX to XXXX.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Services continues to report an alleged debt that they can not validate, Nor does any of the alleged debt follow the Metro 2 format of reporting which is an instant violation furthermore I have disputed this alleged debt so many times I recently disputed them reinserting the item on my file without sending me a 5- day notice this company thinks it is above the law and standard being enforced I asked this company to provide me with the original contract Highlighting that their company is authorized to collect this alleged debt as a third party collection clause in case I default on the alleged debt with the Original creditor but I didn't receive it, I asked for the 1099-OID Original Issue discount I also didn't receive it all I recieve was a letter saying that I am no longer obligated to pay this alleged debt ... .. But does that give the right to report it without proper validation.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (NJ)

On XXXX XXXX it shows that my balance on my Auto Loan increased {$270.00} between XX/XX/18 and XX/XX/18. It went from {$17000.00} to {$18000.00}. I pay at least 14 days early every month and my interest rate has dropped due to good payment history. I was not offered a reason for the increase. This caused my credit score to drop XXXX points.
Consumer complaint received 2022-01-07
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. (MO)

I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has incorrectly reported a 30 day late payment. During the investigation, Well Fargo reported an audit showed that a login attempt was made on the XXXX day of the month. They also reported that the login was potentially to another Wells Fargo account. This is extremely disturbing to me because I have only have one account with Wells Fargo. 

Upon contacting Wells Fargo, they were missing my personal details ( no phone number or email was in the system ) This is clearly a system issue on Wells Fargo 's end. 

In addition to the the incorrect late payment, I never received my tax documents from 2019. The attached document shows that according to Wells Fargo that I am not the account owner of my own account. 

I was notified by a non Wells Fargo credit service credit notification on XX/XX/2019 that Wells Fargo reported a 30 day late payment. I find that Wells Fargo 's reporting was incorrect and not accurate and that Wells Fargo acted unreasonably during the attempted resolution.
Consumer complaint received 2020-07-27
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. (GA)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

As of XX/XX/19, XXXX XXXX has impacted my personal credit file for {$27000.00} and placed for collection. I have asked them to please remove this because this was supposed to fall under my business. 

They have failed to work with me and I am adversely impacted my personal credit.
Consumer complaint received 2021-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have been making monthly payments to Portfolio Recovery, but upon receiving my credit report, discovered I do not owe them money. 
Their contact number is XXXX. They also have made repeated phone calls to family. I want this to stop.
Consumer complaint received 2020-07-09
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. (CA)

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Consumer complaint received 2020-07-09
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. (CA)

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  CREDIT CARD. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (CA)

Kept receiving XXXX calls from this company. Called them at their phone number XXXX and got transferred to a rep who said my number belonged to a XXXX. I asked them to remove me from their XXXX called list and they repeated said " have a nice day '' and avoided all request from me to remove me from their robo call list as im clearly not in any debt to them or anyone. Proceeded to harassed me with more robo calls after i kindly asked them to stop. The number they have me under their system is XXXX. I've called and asked them to stop on XX/XX/2023 at XXXX. They've also called me countless times outside of their allowed called time zone as well.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TN)

My mom XXXX  at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. 
When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CO)

Hello I bank with Chase and I recently had my savings account of {$800.00} completely drained by a wire transfer to a Chase representative. Chase stated they would help me even while still having the funds in process by switching it to a new account - the following day they transferred them from the new account anyway and after opening a claim they denied me within 24 hours. They have the instance recorded by phone and refuse to investigate or refund me my {$800.00} due to failing to do a wire recall with their shoddy process.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KY)

I already filed a complaint over this company, and they said they were going to close this case and take it off my credit reports. Due to it being identity thief. 

I received a letter today XX/XX/2018, that they were going to open an investigation again. the letter was dated XX/XX/2018 2018
Consumer complaint received 2022-04-06
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. (OK)

Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from Experian or XXXX, or at least move the collection to the family members report.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (HI)

This appears to be a mistaken debt claiming that i owe XXXX dollars. 
I traced it back to a XXXX bill that was paid for. either that or this is identity theft. 
i have disputed this with the other bureaus and they removed the charge as it was not correct.
Consumer complaint received 2020-09-08
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: TD BANK US HOLDING COMPANY (FL)

Hi I found out that an account has been opened in my name in TD BANK which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( XXXX ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the TD BANK branch near me but the account has still not been terminated.
Consumer complaint received 2023-01-30
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. (TX)

This complaint is to report the inaccurate credit reporting by Experian. The account XXXX XXXX XXXX XXXXXXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. XXXX and XXXX do not report the account so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Consumer complaint received 2020-07-09
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: Paypal Holdings, Inc (CA)

1. Exhibit 1, I rec 'd an email from Paypal with a questionable transaction, I had not made since I have not used Paypal for several years. 
2. I called listed below the email of this, assuming this is a legitimate email from Paypal. 
3. I talked with XXXX allegely he is from Paypal, that my account had been hacked rom several countries like XXXX, XXXX, XXXX, and locally from ststes like Clorado, Virginia, Texas, and Georgia. See Exhibit 12. 
4. Our phone coversation has been recorded on notepad and Shown on Exhibits 9-15. 
5. Anyway XXXX SAYS, I need purchase XXXX  gifts cards worth {$500.00} each for him to removed my name from these Hackers, so I will not have unusual trnsactions appearing on my Paypal Account, which is backed by my XXXX XXXX. 
6. XXXX made the assurance, not to worry about the purchase of {$500.00} gift cards, because I will be credited back for how many cards I bought. 
7. Starting onXX/XX/XXXX to XX/XX/2020, Exhibits 4 - 8 are the purchases for XXXX Gift cards, which I XXXX  ( my afterthought ) followed on the assurance I will get every amount back. 
8. EXHIBIT 2, is the email again from Paypal that returning {$3000.00} can not be done as Paypal being a company has minimum of {$4000.00} to disburse, so So need to purchase 2 more cards to make credit back to my XXXX XXXX  {$4000.00} and I did follow and purchase 2 cards. ( I already had misgivings about this, it sounded too much of a scam. ) 9. EXHIBIT 3 is the email, {$4000.00}. can not be done but need to be {$5000.00} plus {$500.00} for my patience, but I need to purchase 2 more XXXX gift card for {$500.00} each. That was the last straw, I cease contact with Paypal or XXXX. mY XXXX LUCK, WAS BEING sCAMMED. 
10. You are my last resort, my gut feeling, Iwas XXXX enough to get scammed, but if I was dealing with the real PAYPAL company, let this incident be a teaching moment for others.
Consumer complaint received 2023-01-30
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. (LA)

Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit