davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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)

I have refused access to online dispute to account that has been disputed before. After following another way to dispute via phone call. Experian never contacted creditor because I received letter about inquiry of account and it states that account is open with balance and good payment history. Experian has refused to update after they have received. They will not respond to emails and when I call I get the same runaround. This bureau is purposely manipulating my credit to show credit ratio is to high. Balance due with creditor but it is closed and that impossible. They refuse to include available credit.
Consumer complaint received 2021-05-25
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. (NJ)

Im hoping someone can help me with the violations against me. I have sent several letters to XXXX and Experian and my most recent letter has been over 60 days without a response, Experian and XXXX are in violation of FCRA 15 USC 1681a ( 2 ) ( b ). 
I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I spoke with XXXX  on XX/XX/XXXX on the phone from TransUnion and he told m that it will cost me XXXX $ for both the Credit Report and Credit History, Then He told me it will be free so he was lying to me and disrespecting me the whole phone call, please check the recording of the call, He knows nothing about the Bylaws of TransUnion, I would like to officially file a complaint against Vector from TransUnion for Lying to me and giving me wrong information.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

This complaint if filed against EXPERIAN CREDIT BUREAU and XXXX  XXXX. 
On XX/XX/XXXX I have settled with XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  and I don't owe any longer debt I had on my real estate purchase. 
Both Experian and XXXX have been notified by legal office from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  about outcome from the settlement. 
Experian briefley DELETED XXXX  XXXX on XX/XX/XXXX ( see attached ) and than immediately placed the record back on XX/XX/XXXX ( see attached ) EXPERIAN ALTERED MY NAME ( my aka ) TO LOOK LIKE I'M DIFFERENT PERSON BUT, LOOK AT THE SOCIAL SECURITY NUMBER AND YOU KNOW I'M THE SAME PERSON This scam and ripp-off company shouldn't be on the market. To report false entries in consumer file in credit bureau is illegal and against the laws of The United States. 
Do you at FTC do anything about this? Or you are just toothless office pretending to protect consumers? 
I want to you to take action against both of those companies/
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (FL)

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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. (LA)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, XXXX, AND EQUIFAX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by XXXX data breach so please go and investigate.
Consumer complaint received 2017-12-21
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. (IL)

XXXX employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.
Consumer complaint received 2022-04-27
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. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (CA)

I am being robo-call harassed daily by a collection company called XXXX XXXX   XXXX. They are calling in an attempt to collect on old ( zombie ) debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them to leave me alone and stop contacting me and that they do not have my permission to call my phone or contact me by any other means. I have ask them to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocalls. I would like to sue XXXX XXXX XXXX in a court of law for the maximum {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.
Consumer complaint received 2020-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I originally filed a complaint about CITIZEN ONE BANK regarding this same issue on XX/XX/XXXX ( XXXX ). However, since that time, this nefarious company, CITIZEN ONE BANK, has again deliberately reported my account as being delinquent for the month of XXXX. On XX/XX/XXXX, CITIZEN ONE BANK reported my account as Late 30 Days ( see screenshot ) to XXXX, XXXX, and XXXX. My account with CITIZEN ONE has had a XXXX balance since XX/XX/XXXX. 

Once again, I ask that this unethical company, CITIZEN ONE BANK, cancel my account immediately.

This unethical company, CITIZEN ONE BANK, is deliberately ruining my credit rating.

I ask that CITIZEN ONE BANK be severely fined for engaging in this horrible business practice.

I thank you in advance for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TN)

I reached out to citi for some via XXXX for some addresses of citi and citi fax numbers. They told me to call in. I requested that they give it to me call in. I requested it be sent to me via XXXX for reasonable accommodation for my XXXX. They ignored that and told me to call in. 

I'm not asking for private info that should be sent securely. Just an phone /fax/address of a certain citi department XXXX
Consumer complaint received 2020-01-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I just recently disputed two portfolio recovery associates, LLC accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what Portfolio Recovery Ass. did with my paperwork but XXXX contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. XXXX does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages.

I just sent copies of the letters I sent to Portfolio Recovery Associates along with my dispute to XXXX to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of Portfolio Recovery Associates sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. XXXX seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write 100 words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (GA)

I was notified by my credit report that WF card services, aka online Wells Fargo did a hard inquiry on my credit as a result of an application for a card. I have not, and have never applied for credit of any kind to include a card with Wells Fargo. The inquiry immediately made a negative impact on my credit score which alerted me and caused me to look into the inquiry. I have not applied for any new cards within the past five or more years. I did make Wells Fargo aware, and Im currently awaiting additional contact from their fraud department. I also opened a dispute with XXXX, and will upload this completed report as well.
Consumer complaint received 2022-10-11
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. (MN)

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX  after a phone called i have prior to XXXX  XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (FL)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SD)

In XXXX I received a letter from Caine & Weiner in regard to a debt they say I owe. I sent a dispute letter to validate, to cease and desist, I requested documents and also proof if they can even legally collect in my state. If this is a debt collector, by law I would have had to be given some notice before they were able to obtain. The were even illegally reporting on my credit report, before even sending me anything about a debt, which is illegal. I have not gotten any response, however they called me today at XXXX XXXX, which that violates the cease and desist order. It has been longer than 30 days with no response. in accordance with FDCPA they have made violations, and I am entitled monetary remedies, and I would like to collect. They have also sent me emails, during this time that i have been waiting for verification
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC (CT)

This is my second complaint against Credit resolutions LLC. regarding the same acct. In my previous complaint they responded that it was resolved. This was intentionally misleading. They have continued to try to collect on the same bill that was shown to be illegitimate. My insurance company has proved that the claim was never submitted and the acct. was sent to collections. By the time the provider submitted the correct claim it was outside the 6 month timely filing clause my insurance provider has. Per XXXX 's contract with this provider I am not liable for any costs. This collections agency irresponsible behavior has now caused me to be denied a mortage loan pre-approval.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A. (MS)

Hello I have been trying to contact this company in regards to a debt that is on my credit. It is a medical bill that was never submitted to my insurance and I have sent a request letter to obtain the information to send a claim myself. The company has not responded to my letter will not answer my calls or return them. They also refuse to send the bill to my insurance to be paid. I have left messages and voicemails with no answer and have also been hung up on repeatedly by this creditor.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/19 I open the Bank of America mobile app. On XX/XX/19 there was a charge on my account for the sum of $XXXX and a $XXXX fee. I call Bank of America customer support to inquire about this charge. I learned that it was a fake check. The rep helps me freeze my account and cancel my current debit card. At this point I did not ask for an ETA. One week goes by call up to fraud department and they tell me that it can take up to 60 business days. Have not heard from them since then. I've read a few things online about people in the same predicament as I am and it has taken even longer for them. Other cases BofA just closed the case and the person never got their money back. Feeling something similar coming my way.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (FL)

I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. 

XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. 

XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. 

I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. 

Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.