davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: The Law Offices of Kenosian & Miele, LLP (CA)

I opened a credit card while in XXXX. I made the most payments I could under my federal work study program. The credit card company, I also moved around and got bills late. Finally when I got the bill they wanted the entire amount which I could not afford being that I was still a student. I moved around again, by the time I got the notice there was a default judgement. Wages were garnished for several years and the account was transferred several times to different attorneys. I finally made a settlement offer after loosing my job for the amount of XXXX that was paid with a cashier 's check from my bank and sent to XXXX XXXX XXXX and they agreed to it and cahsed the check. They never sent me a letter that the debt was settled after calling them several times and I was told by their representitive I owed them nothing. Almost seven years pass and now I am getting another debt collection from the offices of XXXX XXXX, XXXX ( Same case steming from the XXXX XXXX XXXXXXXX XXXX  ), and it continues to be passed around even after debt was settled.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (MI)

I HAVE ASKED KEY BANK TO REMOVE NEGATIVE ITEM FROM MY CONSUMER REPORT. CHECKING ACCOUNT # XXXX SAVINGS ACCOUNT # XXXX KEY BANK IS REPORTING CHECKING ACCOUNT FRAUD ON THESE ACCOUNTS. 
I HAVE NEVER BEEN INVOLVED OR DONE ANY TYPE OF FRAUD. 
I EVEN CONTACTED KEY BANK SEVERAL TIMES AND THEY SAID THEY CANT ACCESS THE ACCOUNTS ANYMORE FOR ME TO DISPUTE. 
I EVEN ASKED FOR PROOF AND THEY PROVIDED NONE.

AND I CONTACTED THE FRAUD MANAGER XXXX XXXX AND SHE IS NOT RETURNING MY CALLS THESE NEGITIVE ITEMS ARE REPORTING TO EARLY WARNING CONSUMER SERVICES. I NEED THESE ITEMS REOVED ASAP CAN SOMEONE PLEASE INVESTIGATE.
Consumer complaint received 2019-03-18
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. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00}, XXXX XXXX. XXXX XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX and XXXX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-08-25
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. (IL)

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (TX)

On XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that my account was going to be sent to a pre-legal department. This is the first time I received communication from Credit Corp about this alleged debt. I replied back on the XXXX of XX/XX/2021 via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I requested validation of the debt and also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Credit Corp Solutions. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also sent a terms and conditions printout as well as statements outlining consumer purchases. 
On XX/XX/2021, I responded back to Credit Corp Solutions, advising that they had still not provided any proper validation for the alleged collection account and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. Per USPS site, the letter was delivered on the XXXX of XX/XX/2021 and the return receipt indicated the same. 

As of today, XX/XX/2021, I have not heard back from Credit Corp Solutions, and they are still reporting the collection account on my Credit Report. I gave them 14 days to act accordingly but have not responded. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly fraud.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (AR)

On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent XXXX  mail with XXXX  receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the XXXX XXXX. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I reached out to XXXX XXXX XXXX regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my PayPal account that was closed to suspicious illegal activity. I have not used my PayPal account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my PayPal account has since been closed.
Consumer complaint received 2021-12-01
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. (FL)

After XXXX mail disputes in the last few months and XXXX electronic dispute with Experian regarding XXXX XXXX XXXX reporting a balance in our account, after a XXXX XXXX XXXX XXXX XXXX, they refuse to update the account to XXXX amount due. The other XXXX bureaus have updated the account correctly. After several calls with Experian On XXXX call of the many on XX/XX/21 they admitted that because of the relationship with XXXX XXXX XXXX they have to do what they say regardless of me presenting documentation of the cancelation form. Again today XX/XX/21 I have asked to show what prove was submitted to make the decision they made, I have been advise that they don't require documentation but a verbal confirmation of what do with the account. When attempting to get a supervisor on the phone the call gets disconnected. Every single time. I am on hold again. I have researched the XXXX XXXX XXXX form and how is processed and why is processed through the creditor and the IRS where all verbiage indicates it should be a XXXX amount due.
Consumer complaint received 2019-03-18
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. (AZ)

The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX/XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX   XXXX Visa credit card account : XXXX-XXXX-XXXX-XXXX, XXXX XXXX XXXX  credit card account : XXXX-XXXX-XXXX-XXXX.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc. (FL)

ACSI reported an alleged account owed by me to XXXX formally known as XXXX. My first knowledge of this debt was via email that was sent by ACSI. I never provided my email address to ACSI or gave permission for ACSI to email me. Because I am victim of fraud, I responded asking for the original debt validation that was never sent via mail as stated in their attempt to collect this alleged debt sent via email. ACSI ignored my email replies and continued emailing scripted responses and harassing me via telephone. ACSI has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the original date of XX/XX/XXXX ( opening date of XX/XX/XXXX ) by closing the original debt collection account as of XX/XX/XXXX and re-inserting it under a different name ACSIXXXX which a new open date of XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX  and the state attorney 's office.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (NJ)

In 2018, I opened an account with M & T bank responding to its marketing promotion. Then, M & T bank refused to honor its promotion. Having failed to persuade M & T bank, I filed complaint with Consumer Protection Bureau. Then, M & T bank paid the promotion to me and closed the account per my request. ( around XXXX or XX/XX/ 2018 ) Last week, I was surprised to receive a debt collection notice which M & T alleged that I own it {$74.00}. This is really M & T Bank 's malicious act. I never owed any money to M & T bank.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

File Identification Number : XXXX Provided by TransUnion Consumer Relations On XXXX I did a credit check. It stated that I owe XXXX XXXX, a total of {$330.00} dollars. This is impossible. One I haven't had a account with them in years. Two there is no overdraft on the account I closed. Then when I tried to contact them about this, they won't give me any information, etc. Years ago I was hacked and suffered from identity theft this is the only possible way for this. I did not owe this bank for anything. Now I'm tryin to dispute this and nothing is going on
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.
Consumer complaint received 2019-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc. (TX)

I keep receiving notices about this so called loan i am not aware of, they told me they will keep calling my employer XXXX XXXX in XXXX on XXXX XXXX and have been doing so for years, maybe this is the reason why XXXX XXXX fired me, I am being harrassed and discriminated i have a XXXX i am asking consumer financial protection agency to make a tittle 2 acccommodation since the XXXX XXXX XXXX for XXXX XXXX failed to do the titlle 2 accommodation with the ada and XXXX   XXXX refused to accommodate my XXXX because they said they do not know what plain english is when requesting a accommodation these are human resource individuals who have worked for the company for 22 years XXXX XXXX the worst place to work in XXXX on XXXX XXXX, i was harrassed every day i worked there and hr failed to do anything but i need a job to feed myyself please help me
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (MT)

putting the wrong name on a medical debt. i received a letter from credit systems stating i owed a medical debt to XXXX XXXX XXXX XXXX, for XXXX i am disputing this i do not and never have had a medical bill with XXXX XXXX XXXX XXXX montana for XXXX XXXX XXXX of credit systems sent this bill out addressed to me, when this is not and never has been my account.
Consumer complaint received 2018-02-15
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)

2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.
Consumer complaint received 2021-02-26
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. (FL)

I have tried 3 times to get this issues fixed with Experian each time they reply with the information being verified and investigated when it hasn't been. I have contacted the collection agency ( XXXX XXXX ) that is being reported to my credit. I asked for a debt validation they couldn't provide it and have stopped all collection activities so I asked for it to be removed from my credit. Yet Experian keep saying it valid when it isn't the company cant even prove the debt is mine.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
Consumer complaint received 2023-03-10
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: Bridgecrest Acceptance Corporation (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-02
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. (CA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Consumer complaint received 2019-03-18
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. (VA)

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, XXXX and Equifax for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I apparently owe XXXX dollars to a company called Sunrise Credit Services which I have never even heard of. I filed a dispute with all 3 credit bureaus and XXXX  is the only one that refused to remove it form my credit score. I called the company but they refused to tell me the reason why I owed them money and hung up on me. The report says its for cable but I don't even have cable in my home. I would like this charge dropped from my XXXX  report. Thank you.