davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (WA)

First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. XXXX # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX Agent, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to XXXX for 90+ days. XXXX Agent verified this with me, via phone. No calls, no letters, nada. Until a collections letter from Pinnacle Credit, LLC. 

XXXX sold the original account, to Pinnacle Credit Services , LLC, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

Pinnacle Credit Services , LLC, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is XXXX XXXX XXXX, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If Pinnacle Credit Services , LLC. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-30
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. (PA)

In accordance with the fair credit reporting act, the list of accounts for Low has violated my federally protected consumer rights to privacy and confidentiality under 15 USC, 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A 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 an account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

My ex boyfriend stole my XXXX card and went and spend almost 200 dollars off of it and I started getting bills and I never once used the card. He stole XXXX when we broke up and spent alot on it and I cant pay them back as I'm a single mom and barely make anything. Please help me it has made my credit go from never having credit to horrible and poor credit and I cant do anything
Consumer complaint received 2022-07-19
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-07-19
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. (VA)

On XX/XX/XXXX, my XXXXredit score went down 42 points. When I checked my credit report, my on-time payment history had decreased from 98 % to 95 %, and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-07-09
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-19
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. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX Date of XXXX NAME : XXXX XXXX XXXX, XXXX, A PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX EMPLOYER : XXXX  XXXX  XXXX XXXX  XXXX CO
Consumer complaint received 2020-07-09
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
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 noticed several accounts that were not mine on my Experian Credit report number XXXX. I called Experian on or about XX/XX/XXXX. The representative stated THEY ( Experian ) had a system problem that incorrectly merged client data and they would correct it ASAP. They corrected some but not all. I now have 2 collections on my report from the same collection agency as copied & pasted below. 
Account Name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$60.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$60.00}
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Account name : XXXX XXXX XXXX Collection Account : XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions Equifax deleted this account and re added it but with no proof or didnt mention anything in the first 5 days. This is wrong this isnt mine.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud
Consumer complaint received 2021-11-04
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XX/XX/2020 ) ( XXXX XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX/XXXX-XXXX, XX/XX/2020 ) ( XXXX  XXXX, XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (AL)

Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22
Consumer complaint received 2021-11-29
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. (NY)

XXXX  has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!
Consumer complaint received 2020-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I opened an Ally Savings Account on XX/XX/2020. After going connecting my external XXXX XXXX XXXX Account and verifying the trial deposits, I was given the all clear to transfer funds between the two accounts on XX/XX/2020. 

On XX/XX/2020, through Ally bank, I initiated a transfer of {$9300.00} from my XXXX XXXX XXXX Account to my Ally Savings Account. XXXX XXXX shows the money was pulled from the account on XX/XX/2020. On XX/XX/2020, I noticed the money still has not showed up on my Ally account and my linked XXXX XXXX XXXX Account was suspended by Ally. 

On XX/XX/2020 I called Ally and spoke to a supervisor named XXXX to inquire about the issue and was told this was due to a name mismatch between the two accounts. I asked that the money be transferred back to my XXXX XXXX XXXX Account while I resolve this issue. Ally told me they have the funds but can not return the money due to an issue on their back end and that I would need to dispute this transfer with XXXX XXXX. I called XXXX XXXX and they told me they can not dispute a transaction that I authorized and since Ally is holding the money, it would be up the Ally to resolve this. 

I called Ally back but was given a runaround with no resolution. They are still holding {$9300.00} of my money
Consumer complaint received 2023-03-30
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)

XX/XX/2023 at XXXXXXXX XXXX I called Transunion and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (GA)

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with CITI Bank Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another Associated XXXX XXXXXXXX XXXX and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the Citi card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the CITI Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the CITI Bank Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, CITI bank reported me to the credit agencies ( XXXX, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Consumer complaint received 2022-01-19
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I leased the vehicle from XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was charging me property tax on my vehicle that I did not owe I put in an abatement back in XX/XX/XXXX they never sent it in. I was in touch with corporate in touch with everybody from the escalation team, you name it from XXXX XXXX XXXX. Back in XX/XX/XXXX. I made my car payment as I always do 40 days after that I was getting credit alerts that I was delinquent. I was over 40 days late. It turned out that they allocated my car payment for paying for taxes again that I did not owe. In the interim, my credit has suffered tremendously immediately my credit score dropped XXXX points and its been a domino effect ever since I have credit cards that now reduce their credit limits anywhere from {$8000.00} credit limit down to {$1200.00}. Ive had credit cards just simply closed their accounts on me and they are still not rectify the situation. I need this off my credit report and I need them to compensate me for the damages that they have done.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 an international wire transaction for XXXX usd dollars was initiated using wells Fargo online baking they charged a XXXX dollar fee. Today after almost a month the money haven't reach the receiver neither returned to my account. I had call several time and they just transfer me from one department to other without solving my issue.