davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have asked repeatedly over the course of 13 months for this to get resolved an Experian continues to drag their feet and play games. This is ridiculous. They sent me an updated report and this report too DOES NOT have my 100 word statement that I have asked for month to be inputted. 

Experian needs to stop reporting inaccurate information in my file reporting two key factors affecting my score which is irroneous information. I DO NOT nor have I EVER HAD A Consumer Finance Company and my balances are all at zero or within a couple XXXX  dollars HOW can the proportion of loan balances to loan amounts be to high with the balance is XXXX ( XXXX )? Experian can't seem to explain it yet they keep reporting it. 

I've asked numerous times with no resolve. 

I have sent countless letters, some even certified requested an explanation and removal of this erroneous information they continue to report. Experian wants consumers in debt and when you pay off everything they want to punish you.
Consumer complaint received 2024-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

Please see attached cease and desist letter that was sent to AMSHER COLLECTION SERVICE on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, AMSHER COLLECTION SERVICE continues to report this on my credit report in violation of applicable laws.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have additional fraudulent inquiries that i have not authorized on my equifax report they are as follows XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US 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 2022-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I XXXX XXXX, previously had XXXX XXXX XXXX. As a result of their deceptive trade and sales tactics, erroneously wrongly raising my insurance rates, never defining what constitutes a 'Hard Brake ', and rude and abusive representatives, I canceled both my XXXX  XXXX XXXX as well as my XXXX XXXX XXXX XXXX, and, actually have a refund coming that I never received. I recently received yet another Collection Letter from XXXX ( XXXX XXXX ) purporting to be on behalf of XXXX trying to collect a debt I do not owe, and this is the second time I've received a letter from XXXX. I had my attorney contact them this morning ( Wednesday XX/XX/2022 ), and he spoke with a XXXX XXXX, who said she was : " ... transferring the call to executive relations ... '', she returned after in inordinate amount of time, and, told my attorney to : " ... leave a detailed message ... '', and my attorney told her ... '' I've already explained in detail to you... thank you for not helping me ... ''. *NOTE : It's important to note that this is not the first time both XXXX as well as this company have harassed me and made attempts to collect a non-existant debt, including but not limited to 'Hangup Telephone Calls ' with no message. Please help me end this overt and intentional harassment. Thank You. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-14
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. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-28
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. (NC)

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX These entries are damaging my credit report and, upon review, XXXX contain inaccuracies or reporting issues inconsistent with the XXXX XXXX compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with Metro 2 standards, including the reporting of balance, status, dates, and creditor information.

Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report.

In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never initiated these 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
Consumer complaint received 2022-09-14
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)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
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. (FL)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have 30 days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have had an Amazon store card with Synchrony bank for years and have never missed a payment. In XXXX I had two payments that were returned within a 24 hour time frame. Firstly, I did not realize I setup 2 payments of both {$500.00} and {$600.00}. Second XXXX XXXX XXXX used to allow them to go thru and I would just transfer the money in my account to cover low or insufficient funds. This time I am not sure why they did not allow it. The day the payments were returned ( which was in 24 hours ) I immediately issued a {$700.00} payment to post to my account and also incurred a {$40.00} late fee which I paid. I have had a lot of fraud activity lately and do not keep much money in my checking for this reason. On XX/XX/13 I went to make a purchase and the card was declined. When I checked online it said my account was closed, so when I called synchrony they advised it was because of these two returned payments. This is really night right as I accidentally had this returned payment happen one time in how many years. I didnt realize I scheduled double payments and because I keep low funds in my checking due to fraud I have lost an account that I frequently use and always pay on time. This is not good treatment of a long time customer with excellent paying history.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My brother XXXX XXXX had a CitiCard credit card. He died on XXXX. I am the trustee of his XXXX. I reasonably canceled the card on XXXX, but at that time CitiCard did not inform me of the number of unclaimed rewards points, and did not tell me that by canceling the account, CitiCard would consider the points " forfeited. '' On XX/XX/XXXX, I spoke with a CitiCard representative about cashing out unclaimed rewards points. She requested I send them information about the account, which I did, but would not tell me the value of the unclaimed points nor about their " forfeiture : policy. I mailed them the information requested ( CitiBank Card Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a letter saying the rewards points were " forfeited '' by closing the account. I wrote them an appeals letter on XX/XX/XXXX and got no response. On-line I found a CitiCard " ombudsman ( XXXX XXXX XXXX XXXX XXXX wrote to appeal the decision. It appears to be an office in XXXX. They have basically engaged in a run-around strategy of claiming they are " unable to trace the credit card number, '' which is nonsense. I suspect there are several XXXX XXXX  worth of unclaimed rewards points, because my brother also had a XXXX XXXXXXXX XXXX which had that value of unclaimed rewards points. And after I canceled that account, XXXX reached out to me and sent the Trust a check. In my opinion, CitiCard is engaging in deceptive business practices to avoid cashing out those rewards points to the Trust.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AL)

I had cable and internet service through XXXX XXXX in XXXX, Alabama. The company advertises that they require no contract with its customers. After the company raised rates I notified them that I wanted to cancel my service and gave them a cancellation date. They did not dispute this date and service was cancelled as of this date. 

After cancellation they billed me for a full month when only 3 days of services were rendered during that time. This was after my prior cancellation notice and their acceptance of that date. Their explanation was that they do not pro-rate bills. Since they have no contract with their customers, I did not feel bound by their billing system limitations and I sent them payment for only the XXXX days services rendered. They accepted the payment. 

Given my prior notice to them of the cancellation in advance of their billing cycle, their cutting of service on the date I requested, the lack of a contract, and their acceptance of the check I sent in payment for the services actually rendered I do owe them anything. 

Despite this, they are continuing to try to collect {$170.00} for a time when they rendered no service. They have turned the bill over to a collection agency, Sequium Asset Solutions , LLC. I have disputed this bill several times, in writing and over the phone, but the collection efforts have not stopped. I have included documentation with the written responses and have received no proof of any debt, beyond copies of the fraudulent invoice. 

I consider this bill to be fraudulently issued and the continuing collection efforts to be in bad faith.
Consumer complaint received 2022-09-14
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. (VA)

First I must begin with my information was part of the massive XXXX XXXX leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, XXXX keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with XXXX a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at XXXX and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however XXXX not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.
Consumer complaint received 2022-10-13
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. (DE)

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-09-14
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank ( XXXX XXXX  ) paid on time for 3 years, was on auto pay and paperless billing. Promotions internet rate was expiring. Called when I saw my payment went up. Spoke with supervisor. Told me I was within the grace period to pay off. Took my payment over the phone to close account. Account was never closed still charging me interest. Called numerous times. Supervisors keep telling me it will come off.it doesnt come off. They are ruining my credit. I refuse to pay.