davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (NC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXXXX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On the XXXX XXXX  XXXX Holiday, I made a purchase online. Purchased was accepted ( debited pending ) and immediately cancelled by the vendor with an ( immediate credit pending ). The transaction was cancelled stating unable to verify identity. On XX/XX/XXXX, I repurchased the same exact item for the same exact dollar amount and received a confirmation and my Wells Fargo checking account reflected ( debit pending ). Immediately after the 2nd purchase my order was cancelled, for the same exact reason as the first time yet this time I do not have a credit pending. I chatted with the merchant and they provided me with a transaction code and authorization code for the pending credit. I have the transcripts of the chat. I called Wells Fargo giving them these numbers and they can not authorize a pending credit. Now XXXX auto system should have credited me as quickly as they cancelled just as they did on a Holiday day. I duplicated the 2 transaction with the same credit card, same CVV code, Same product, same amount and same device. The fact there is no auto credit this time my money is being held hostage while the product is available for others to purchase. I have school in less than 24 hours and I have no money, no laptop, and Wells said they can not call or even review the evidence or my claim to offer a provisional credit. I explained to wells escalation and claims department, I am requesting for them to protect my Visa Purchase or if they could contact the XXXX fraud dept and either 1.  Confirm my identity. 2. Secure the product, or offer me a provisional credit based on written documentation I received. Now XXXX is responsible for not insuring the auto credit each and every time their system auto cancels an order. I now have to wait 1-10 business days and I have no product or no money and each of these institutions state I have to wait for the other to provide the credit. This is the exact reason why I am taking the paralegal class! 
Although I had a transaction ID and Authorization code neither party would issue me or credit nor hold the product. Wells Fargo would not allow me to email the evidence of the transaction being cancelled or the transcripts from XXXX so my money is not available and nor is the laptop.
Consumer complaint received 2022-08-15
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Medicredit XXXX XXXX XXXX XXXX  XXXX, MO XXXX Reference # XXXX To Whom It May Concern, I received a bill from you on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX of Texas, but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX of Texas for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, you are to immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of Texas. Civil and criminal claims will also be pursued against you and your company. 
Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 
It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Kind regards, XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

An authorized charge for {$99.00} from XXXX XXXX appeared on my XXXX sons account. This company is already the subject of at least XXXX CFPB lawsuit and the phone number associated with the charge directs you to email if you see an unrecognized charge on your account. Active obtains the email and card number when a consumer purchases a ticket or event and the transaction is processed by XXXX  which later charges a membership fee. Active even has a primer published on how to defeat chargebacks of these charges.. My child did not sign up for a membership ( nor is of age to sign a contract anyway ). Fidelity through its agent and issuer of the debit card PNA Bank ( apparently then managed by XXXX XXXX ) refuses to chargeback this transaction.
Consumer complaint received 2024-01-20
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

This letter is regarding XXXX Citi Cards Card XXXX : XXXX Card XXXX : XXXX A charge was report mistakenly as Fraud on XXXX/XXXX/XXXX. This charge paid a vendor called XXXX *XXXX under Card XXXX on XXXX XXXX, XXXX for {$1200.00} Citi Bank cancelled/closed Card XXXX and Issued Card XXXX. 

During the cancelation/closing period of Card XXXX, the vendor XXXX did returned the charges to Card XXXX for a credit of ( XXXX ) Attached please see the Transaction ID XXXX from XXXX on XXXX/XXXX/XXXX. This is confirmation that XXXX did refund Citi bank for the charge dated on XXXX XXXX, XXXX for {$1200.00} As soon as I received Card XXXX, I had to pay for the services of XXXX for {$1200.00} This took place on XXXX/XXXX/XXXX Payment to Citi Bank was issue under the following for the charges of Card XXXX for {$1.00} charges made on XXXX/XXXX/XXXX : XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$220.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$1200.00} Why is Citi Bank not acknowledging the credit issued to them on XX/XX/XXXX.Transaction ID XXXX from XXXX ? 

Why am I being charge twice? 

Do I need legal counsel to correct a mistake Citi Bank has made on my credit? 

Did Citi Bank provided XXXX payment to XXXX. Why? or you ca n't find the returned from the vendor. Where was this credit posted to. 

Is this a case of XXXX? XXXX Florida XXXX XXXX that helps XXXX people with company as such Citi Bank. 

Do I need to report Citi Bank to the XXXX? 

Govern yourself accordingly and do your duties in locating Transaction ID XXXX from XXXX returning ( XXXX ). 

Thank you, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (PA)

I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account Number XXXX  XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-08-15
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy Federal XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-01-20
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. (OH)

Experian, please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX The listed balance of {$2900.00} is incorrect as the account has been paid. Furthermore, the account is erroneously listed as open, which is clearly incorrect.
Consumer complaint received 2024-01-20
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. (FL)

I am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

On two separate occasions I've not been able to access my Grain ( XXXX ) account and on both occasions I have had negative reports plave on my Credit report becuase i am unable to process an payment due to no access to the account. It is nearly impossible to get a timely response from anyone via email and this is Grain only form of communication. And by the time some repsonse to you the damage is already done and theres a XXXX day lare report on your Credit profile. Right now there are late payments being reported on my account and month after month I'm told by an customer service agent at Grain that these late payment will be removed from my account. Yet Month after Month I am giving an apology and told it will be taking care of the following month. I would like and demand that these late payments be removed from my Credit Report immediately, for it is damaging my life tremendously and reframing me to move forward and make Financial Increases for me and my family.
Consumer complaint received 2024-01-20
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. (TX)

I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.