davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (MI)

I have 3 credit inquires that I never authorized or applied for. One of them the company recognized the mistake and send the credit bureaus a correction. One of the credit bureaus ( Equifax ) still refuses to delete this inquiry despite contacting them about it 2-3 times. 

1. XXXX XXXX XXXX I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX.I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 3. XXXX I never authorized this inquiry. I contacted XXXX about it and they agreed that it was there mistake. They sent explanation to the credit bureaus stating that it was their mistake and to remove it. XXXX   and XXXX  removed it except Equifax, they still refuse to remove it even after I explained what happened.
Consumer complaint received 2017-11-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd. (TX)

Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.
Consumer complaint received 2017-02-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (CA)

I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO XXXX.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 15 USC 1681.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called XXXX XXXX to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but XXXX XXXX would not re-open my account or take ownership for their CSR 's mistake. 

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX, so there is no reason for that to be on my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
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. (PA)

Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

SOMETIME AROUND XXXX OF 2007 AN ACCOUNT WAS OPENED AT CAPITAL ONE BANK FOR XXXX DOLLARS. I WAS A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THIS ACCOUNT.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have attempted to contact Portfolio Recovery many times with no follow or success. They refuse to validate the debt they are saying is owed. They state they are collecting on behalf of XXXX XXXX. I currently have a XXXX XXXX credit card so it makes no sense to have a current account but they are saying this account is from 2014 which is not true. This is not my account. Maybe it was my ex-husbands account but yet they refuse to send me proof that it is my account. I even sent a certified letter to reach an agreement to get this off my credit. This is keeping me from purchasing a vehicle.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (DE)

XXXX XXXX said I had made purchases. Was not my address not my email or phone number. To get it removed the said if I paid it they would remove derogatory remarks from my report. I filed disputes with all credit reporting agencies. They said its accurate. I called XXXX XXXX again. I said you said if o paid this you would remove from my credit report as a paid after charge off. They said no you shouldnt have paid it but since you did we are leaving it as it is
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TN)

This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Talbot, Adams, & Moore, Inc. (TX)

TAM/XXXX XXXXXXXX XXXX Collection agency put several collections on my credit file without sending me a bill or any type of notification. 
This agency is not licensed or bonded to collect in the State of Texas where I reside and have been residing all of my life. I have requested validation of the debt because on my credit file it only says medical. They wo n't send me anything. They are just ignoring me.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (GA)

I have a credit card listed on my credit report that I did not apply for. I have requested proof from the collection agency to no avail. I have never seen the card, did not sign for it nor have I signed any transactions for this card.
Consumer complaint received 2018-01-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage There has been nothing but the run around with the issue/issues at hand dealing with Documents As stated on the XXXX XXXX, XXXX letter that has to do with California All Purpose Certificate Of Acknowledgement It is stated by Wells Fargo Mortgage that there is no place for my signature on the California All Purpose Certificate of acknowledgement. as I have uploaded a copy of the document. 
First thing on XXXX XXXX, this document was not presented to me in any way nor did I appear personally. 
This document has a place for the Notary to sign It has Signers Name line it has Signer is representing line Signers other than named above It also stated by the notary I personally appeared so if I appeared why did I not sign my own name as I did the other papers on XXXX XXXX My next issue is nothing nor was corrections agreement nor limited power of attorney discuss by the notary. notary can not act as my attorney nor give legal advice. 
On my originals documents there are over 21 signature lines left blank & there was a charge by the bank for a closing attorney and there was no closing attorney on any signings. 
Other issues I have all the closing documents that was giving to me in the original folder showing as proof all the blank lines as well as charges for a closing attorney that got paid that never rendered no service for closing. 
So there are a lot of issues at hand. 
Personally appeared means me being there and signing or a document stating that I 'm giving up rights on the California All Purpose Certificate Acknowledgement. 
There has been a lot of tricks and wording by Wells Fargo Mortgage Home. 
No matter how you put it Appeared means personally and if Wells Fargo Mortgage Home was doing loans with morals they would not have to play the word game as if I cant or do n't understand. But my documents sign on the closing date is proof with all the pages left blank there was no closing attorney as stated on that day which was charge to FHA in which is fraud by Wells Fargo Home Mortgage
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency My correct name is XXXX XXXX, please delete these variations of my name : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, I currently live at : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, these other addresses I have never lived at or may belong to a relative and should be deleted : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My telephone number is ( XXXX ) XXXX and I have never had any of these numbers listed : ( 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 The following accounts need to be deleted/removed : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2017-11-30
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: EQUIFAX, INC. (CA)

I saw a hard inquiry on my equifax from XXXX XXXX XXXX XXXX XXXX without my Authorization , XXXX XXXX XXXX is denying that they have not done any hard check, Equifax recognizes the hard pull
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute XXXX XXXX XXXX
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC (CA)

Hello, I have XXXX student loans with XXXX XXXX, 1 loan was signed on XXXX/XXXX/XXXX and the 2nd on XXXX/XXXX/XXXX, both signed when I was in attendance at University XXXX. Due to financial hardship, I had defaulted on my loans in XXXX resulting in my accounts transferring to a collections agency " Allied Interstate. '' In XXXX, I worked out a repayment plan with Allied Interstate as I regained financial stability ( see attachments for agreement made with Allied Interstate XXXX. 
# 1- Allied Interstate had me sign an agreement to repay my debt and reduce my interest rate to .001 % from 8.25 %, this has not been reflected on my account and I was advised by Allied Interstate that due to a " system glitch '' my balance and interest rate were never updated. I have asked for a letter indicating the issue and indicating the correction, Allied Interstate has not complied. 
# 2- In addition, Allied Interstate and XXXX XXXX are incorrectly reporting on my credit report XXXX see attachments ), I should be showing that I am on a modified repayment plan, and current in my payment per that plan ( I am being reported as " delinquent '' per attached ) # 3- Allied Interstate continues to harass me through daily phone calls ; I have numerous missed calls and voicemails daily. I am making my payments ( they are auto-deducted ) timely and would like for Allied Interstate to stop calling me unless urgent or related to making the corrections to my account. 

FYI, I have noticed on my Allied Interstate correspondence, XXXX XXXX is now " XXXX '' " a spin-off of XXXX XXXX. ''
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed. 
However, the problem has happened again. 
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not. 
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back. 
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days. 
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account. 
I believe i was lied to and decided to reopen the complaint.