davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-07-20
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. (SC)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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 2020-11-22
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)

XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Consumer complaint received 2018-02-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (NY)

I get calls everyday from OCWEN '' a mortgage company, before giving any information on what they are calling for they want my social security number to look up my information. I am fed up of telling them i will not not give out my SS # so stop calling me. They continue to call and leave messages on my phone.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (AL)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (FL)

On XX/XX/2021 Social Security deposited {$880.00} in my current prepaid account, upon receiving deposit current prepaid closed my account and I have no access to my money, there's absolutely no customer service for me to talk too only online chat, I'm not the only one they've done this to, apparently it's a wide spread practice for this company to lock people 's accounts or close them with no way to access funds and no way to get any information, this company is running a major scam!!!
Consumer complaint received 2024-02-04
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. (PA)

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!! 

XXXX XXXX XXXX XXXX- {$3700.00} XX/XX/ This account should not be furnished on my consumer report as it is in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report any on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY!!
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (FL)

When trying to check the balance of my XXXX XXXX Gift card through XXXX the website does not offer a way to check the balance and when I call the number to check through the automated system it asks for the gift card number and PIN but there is no gift card PIN with this card. So I am unable to check the balance on this card without going into the restaurant.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (WI)

I have been disputing several accounts with XXXX XXXX, Military Star Card, and XXXX XXXX XXXX XXXX that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via XXXX certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. 

All request have gone ignored and not furnished from any of the companies in question. 
I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.
Consumer complaint received 2024-02-04
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focus Holding Company (GA)

The caller ID that displays for the number is XXXX XXXX XXXX XXXX I have been repeatedly contacted by this collection agency and they tell me they are calling to collect for someone else 's debt on behalf of XXXX and trying to reach this person. 

I have continued to tell them they don't have the right number, to stop calling me, yet they keep calling almost EVERY DAY. 

I have tried to get these calls to stop and the agents to remove my number from their list and they won't, they call me on my work mobile nearly every day which is disruptive to my job. 

They have been calling for the past month and call anytime between early morning and later afternoon. The last few calls I received XX/XX/XXXX - XXXX - again told them to remove my number from their list, I'm not the right person, lady hung up on me XX/XX/XXXX - XXXX - They called again but they hung up before I could answer, I called back and left a message to remove my number from their list XX/XX/XXXX XXXX - they called again, I spoke to a gentleman, told him to remove my number from their list - he responded ; " stop hanging up on us ''. I told him he has the wrong number, that they need to stop calling and remove my number from their list and he replied " We don't have a list '' So I responded, however, you got my number, don't call it anymore - he became rude, I hung up again.
Consumer complaint received 2023-02-01
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)

All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have provided to the relating consumer credit reporting agencies that the address information on my reports other than the address beginning with ( XXXX ) are incorrect, invalid, UNMAILABLE ADDRESSES, that are not correct, and are not associated with me in any capacity and should be removed if the address is not ( XXXX ). Please remove all addresses that are not ( XXXX ) for they are not associated with me or my name. Please remove unmailable addresses not starting in XXXX.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MA)

I was trying to work with them and most of my payments in XXXX were marked as late or went unreported and now in early XXXX they repossessed my vehicle without responding to my attempts to work it out with them
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023 went to Wells Fargo Bank located in XXXX XXXX, SC and wanted XXXX XXXX dollar bills converted to XXXX single dollar bills. Denied service because I was not an account holder.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing
Consumer complaint received 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on XXXX.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/XXXX I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. 
Discover still refuses to credit my account.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2019 I contacted Capital One Banks corporate office in XXXX Delaware about an issue with my statement. I am old school at XXXX and do not want that information on my devices. They changed up the accounts with the old statement cutting off mid XXXX and the new one I received starting XX/XX/XXXX. I asked for an e-mail or hard copy of the missing transaction period and my request was denied because my husband is the primary. This is a joint checking account which was mine before we were married 37 years ago in XXXX. The bank has sold several times but at NO time did we designate a Primary account holder. If we had, it would have been me because my husband depends on me to take care of our finances. The point though is that this is discrimination. He was arbitrarily chosen because he is male. What if he died. I could not control my banking. Conversely, if I was primary and he died then he could not control finances. That is why people set up joint accounts as XXXX OR XXXX. Just because you have a new computer system does not mean you can make financial decisions for people. I do know that I could set up the account on line and have access but do not believe forcing people to expose themselves in this way is fair.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a summons regarding an account I was not familiar with on XX/XX/21. I responded to disregard any legal action meanwhile disputing it with the 3 main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the 3 main credit bureas, they deleted it due to it not being my debt.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.