davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CT)

I first was made aware of the fraudulent account in XX/XX/XXXX when the debt collection agency, " Midland Credit Management, '' appeared on my credit report citing a credit card account that had been opened with XXXX ( that I never opened ) on XX/XX/XXXX and which went to collections in XX/XX/XXXX for an amount of {$4100.00}. To date, I have never received any correspondence from XXXX or Midland Credit Management by phone, mail, or email. I immediately called XXXX to inquire about this account and was told there was no history of an account ever opened with my social security number. They advised me to file a dispute with the 3 credit bureaus. However, there is no record of XXXX on my credit report. There IS only record of Midland Credit Management. I did file a dispute with the credit bureaus in XXXX of XXXX against Midland. I believe that Midland Credit Management has wrongfully associated me with someone else 's debt. I have recently hired a lawyer to help with this dispute.
Consumer complaint received 2022-09-18
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. (NC)

It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (GA)

Debt is from Consumer Adj Co original creditor shows white water for {$110.00}. Ive sent multiple letters over the past few months for debt validation and no response. Ive reached out to all three credit bureaus to validate and no response from the credit bureaus either. This debt is tremendously affecting my credit and I would like it removed. I have no knowledge of this debt and would not like this to continue to report to my credit report.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IL)

Background : I am an American Express ( AMEX ) customer of over 20 years and have 5 personal cards with the company. I subscribe to their XXXX  service ( $ XXXXmonth ) which monitors and notifies me of changes to my credit report. In my 20+ years of service I have never missed a credit card payment or paid late. All my accounts with AMEX are enrolled in paperless billing ( i.e. I receive email notifications instead of paper letters ). 

Issue/Event : Failure to Send Customer of Adverse Action Notification In Connection with Credit Decisions XX/XX/2022 - I received an email notification from XXXX  informing me that American Express had reported a credit limit decrease to XXXX. This action negatively affected my credit score. 
XX/XX/2022 - I reviewed my email account and did not see any communications or notifications from AMEX regarding a credit limit decrease to this account. 
XX/XX/2022 - I called AMEX and their agent was unable to find any communications from them-to-me in their system related to the credit limit reduction. The agent said that the credit limit reduction should have generated a communication as someone reviewed and submitted the request on their end. I was never proactively notified by AMEX and only became aware of the Adverse Action due to the email from XXXX. 

Summary : American Express has taken adverse action against my account by reducing my credit limit. They did not inform me of this adverse action as required by law. I only became aware after it had been reported to the credit bureaus. Their actions have negatively affected/lowered my credit score. To restore my credit they want me to agree to a credit check which will further damage my credit score. 

I personally feel these actions are a form of targeted XXXX. I spoke to numerous representatives trying to understand what happened and why but they all admitted that this was an operational gap on their end. They may subject XXXX  or people of XXXX to sub-standard processes knowing that they will negatively impact their customers. AMEX and other credit card companies should not be given a pass when they fail to adhere to their operational processes that directly and negatively affect their customers.
Consumer complaint received 2022-08-22
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. (IN)

Through Transunion 's dispute system I recently filed a dispute stating that someone with a similar name had filed a bankruptcy and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I asked that Transunion remove the bankruptcy immediately as there is no way they can legitimately verify the information. A screenshot of the email from the U.S. Bankruptcy Court, XXXX XXXX of Indiana, is enclosed proving they do not communicate with credit bureaus or third parties, and that personally identifying information is not available.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NM)

Today on XX/XX/2022 I deposited btc into my binance.us account. I sold my btc tokens and used the usd to purchase the bnb token. When I attempted to withdraw my bnb tokens to my wallet. I was unable to withdraw. The message that appeared when I tried to initiate a transfer was " You temporarily can not withdraw your recently deposited funds and assets bought with these funds. For ACH deposits Please wait 10 days And for debit card purchases please wait 10 days ''. My deposit was neither an ACH deposit or a debit card deposit. 

Binance.us account info : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (CA)

I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-09
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. (AZ)

I SPOKE XXXX ON XXXX AND SHE INSISTED THAT I NEVER SENT MY ID OR OTHER VERIFICATION. I ATTACHED ALL THAT INFORMATION HERE AND ACCORDING TO THE LAW AS WELL AS HER THOSE ACCOUNTS WILL BE DELETED IN 4 DAYS AND XXXX AND XXXX XXXX XXXX REVERT TO NEVER LATE PAID CURRENT.Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. Equifax has deleted and fraudulent without warning reinserted the following deletion is admission violating the 15 USC 1681c-1 pursuant to a direct request with supporting documentation FTC Police report evidence of fraud and are willingly violating 15USC1681c-1 and I am seeking damages for defamation and lost of creditability. XXXX, XXXX XXXX, XXXX XXXX  all have been reinserted and should be permanently removed. XXXX XXXX  XXXX confirmation of forbearance past XXXX where sent certified and confirmed receipt however pursuant to 15 USC 1681 ( d ) investigative report the profound evidence provided was unnoticed and deceptively never updated evoking Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation
Consumer complaint received 2022-09-16
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: PENTAGON FEDERAL CREDIT UNION (MD)

When I pulled my XXXX credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are Pentagon Federal Credit Union and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.
Consumer complaint received 2022-10-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital one Savor Account said I opened up an account or authorized a person to do it. I did not. I never received a card and my credit report was changed to a different address. I'm XXXX XXXX XXXX and have been at the same address for XXXX + years. I never received anything in the mail in reference to a card. Also just yesterday another card was opened by XXXX XXXX. Neither of these accounts are mine I have XXXX credit cards of my own and a checking and savings with XXXX bank. Someone has been using my information fraudulently.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I attempted to pay off my outstanding balance of XXXX. I was successful which should have brought my balance to zero. Bank of America keeps taking XXXX from my checking account. Theyve taken over XXXX. I called they told me to stop the payments. They keep taking it out. And they wont even let me use the money on my now negative balance card. They decline all charges.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday, XX/XX/2022, I submitted an order on the Merrill XXXX website to sell 1 share of stock XXXX, symbol SHOP, limit order executed at {$660.00}. I specified a specific lot which was purchased XX/XX/2022 with a cost basis of {$660.00}. This order executed on XX/XX/2022 at XXXX pm EST. 
Unknowingly, I had previously placed a good-til-canceled order to sell that same share of SHOP with an limit price of {$660.00}. ( The Merrill XXXX trading platform does not prevent the error of specifying the same lot on two different sell orders. ) This order executed on XX/XX/2022 at XXXX EST at {$660.00}. 

After I received the second trade confirmation I noticed the error, that there were two trades that specified the same lot. Merrill XXXX has eliminated the option to email or to send an electronic message via its website. So I called the customer service phone line. After more than XXXX minutes on hold, I connected with XXXX XXXX. Because I did not want to trigger the wash sale rule, I asked him to assign a different lot ( which was purchased on XX/XX/2022 with a cost basis of {$650.00} ) to the 2nd share sale. 

On Saturday, XX/XX/2022, I checked my account online to see whether the lot selection on the second order had been adjusted as I requested. I was surprised and frustrated to find that my order had NOT been adjusted as I instructed, as it showed that there was an adjustment due for a Wash Sale. My instructions to Merrill XXXX and request were specifically to avoid a wash sale. Furthermore, it also appears that the wash sale adjustment is incorrect. I called that day and waited more that 93 minutes on hold, and nobody ever picked up. Merrill 's website states Investment CenteXXXX representatives and technical support are available 24 hours a day, 7 days a week. However, it appears that they either keep the customer service line unstaffed, or inadequately staffed on the weekend. Waiting on hold for over an hour and a half is unacceptable. I emailed the first representative, XXXX XXXX, at his work email address. 

On Mon, XX/XX/2022, XXXX XXXX responded via email and insisted that he had entered the request correctly, and that it would take 2-3 days to reflect in my account. However, he refused to help me further on this matter, stating, call into our investment center at XXXX for further inquiries on this matter given I will not respond to any emails outside of this one. In other words, go away, I'm not helping you anymore. I had already waited on hold more than half an hour on the first call the previous Thursday, and over an hour and a half on Saturday ( with no response ). I was not about to waste another half-hour-plus to contact a new agent, and have to start over. I think XXXX XXXX 's response was inadequate and unacceptable. If he does not adequately solve a customer 's issue the first time around, he should take the responsibility to fix it, not push that onto another representative.