davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (TX)

The following credit inquiries on my Equifax credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2022-08-01
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. (GA)

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian : 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 2022-08-01
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. (GA)

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX  XXXX, XXXX XXXX XXXX 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 OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (AR)

I am submitting this complaint on my own behalf regarding attempted debt collection activities from PNC Bank. Back in XXXX of 2021, I received a notice from PNC Bank stating that I allegedly owed them a debt. I have NEVER entered into any consumer credit transaction with PNC Bank. I sent PNC Bank a letter by certified mail with return receipt that they indeed received ( See attachments ) In XXXX of 2021. In this letter I asked them to provide me with debt validation pursuant to the FDCPA. In this notice I also told PNC Bank not to contact me by telephone. I gave them consent to mail me any correspondences ( see attachments ). To this date I still have not received debt validation which is a violation of the FDCPA 15 usc 1692g yet they continue to mail me statements and demand payment. PNC Bank is also in violation of 15 usc 1692d. I asked for them not to contact me by phone in my notice to them in XXXX. PNC Bank has continued to call my phone all throughout the day into the late evening. I've asked multiple reps to note the account for them not to call me but the calls have continued. One rep even told me they would call me until they received a written request, which I've done. I am a truck driver who works various shifts, their calls break my rest all the time which could be harmful to myself and others as I have to drive over the road, they call me at work and other times which are ALWAYS inconvenient for me which is why I told them NOT to contact me by phone. This is a violation of 15 usc 1692c. Because I know that I never entered into a consumer credit transaction with PNC Bank I asked them to provide me with documented evidence that showed my alleged indebtness to them, the original promissory note and a letter of sale or assignment from the " original creditor '' ( see attachments ) to PNC Bank, which again they have not provided. I am now submitting this complaint to the Arkansas Attorney General and any other regulators and legal counsel who will assist me in this matter as I have enough proof to move forward with legal suit for willful noncompliance of the FDCPA and seek damages.
Consumer complaint received 2022-08-01
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. (FL)

In accordance with the Fair Debt Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2022-03-10
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. (MA)

I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to Experian from XXXX XXXX  in Tennessee. 

I never received anything from " XXXX XXXX  '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with Experian and they came back with a response that through their process and contacting XXXX XXXX, the bill is valid and will remain on my credit report.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company is continuing to make hard and soft inquiries on my credit accounts and stalking me for years. I have never had an account that I signed authorizing a relationship with this company. I do not have any documentation with my signature or my authorization to initiate a relationship with this company, any and all information that Portfolio recovery has about me is a result of identity theft and the accounts they purchased from creditors were not authorized by me and was a result of identity theft and I have reached out to Portfolio company and requested that they no longer contact me or access my active account or my credit bureau accounts ; however, they are continuing to access the credit bureaus on a monthly basis
Consumer complaint received 2022-03-10
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. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-10
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. (IL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first two attempts were made on XXXX and XXXX and was accompanied by a dispute submitted directly to Experian. The dispute number were as follows : XXXX XXXX XXXX XXXX While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XXXX. This is not a delay : this is negligence on the part of Experian, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Experian to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (FL)

I reported this creditor to CFPB a couple months ago. Not only are they ignoring CFPB 's investigative request, but they are back at it reporting negatively on my credit reports. Bottom line is there was fraud on my account someone changed my address with this creditor without my knowledge. I report the unrecognized charge they close my credit card and they refuse to send me a statement of what I owe and what charges were made. My online account has a zero balance that they have now locked me out of. That's okay because I took a screen shot of it figuring they were going to try to cover up their wrong doing. A week or two ago they completely closed my account and notated closed by consumer which isn't true. With everything they screwed up on this account is it to much to ask for an accounting of what they are saying I need to pay. Twice now they have damaged my credit score. Isn't there a regulating government agency with some teeth that can fine or legally go after this company for all these ridicules shenanigans and damages to my credit. After several attempts to have anything sent to me from this creditor I asked if they could overnight information seeing how you can't get it to me by way of USPS and I was told they don't do that. I said even with all these extenuating circumstances and I was still told no.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX application was turn down due few false things they claimed they saw on my XXXX credit report and I dont have a high amounts on my credit cards and I dont have large amount of inquiries reported on my credit file. And my balances on my credit cards are not too high .. this is discrimination and I want to voice my opinion how America express is treating customers based on there skin of XXXX .. and i no longer interested in applying for America express Im asking them to remove my inquiries
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Missing " XXXX XXXX XXXX  '' : Per the terms and conditions of the XXXX XXXX XXXX American Express Card : https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/25330-10-0 # offer-terms XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. On or before XX/XX/XXXX of each subsequent calendar year, the XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account operated by XXXX XXXX XXXX XXXX, in accordance with XXXX XXXX terms and conditions, as long as your Card Account is open as of XX/XX/XXXX of the prior calendar year. 


My issue is with the verbiage : The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. 

I opened the credit card account on XX/XX/XXXX and expected to receive XXXX XXXX XXXX XXXX within 60 days. 

On XX/XX/XXXX, I reached out to American Express Customer Service ( AMEX ) to follow up as the credits were not received. The representative assured me that the credits would become available and they would count towards XXXX. 

On XX/XX/XXXX, I reached out to AMEX to follow up on the XXXX credits and was told the credits would arrive by XX/XX/XXXX. Customer Service also stated that they would open an investigation. 

On XX/XX/XXXX, I called XXXX customer service but was told my issue was credit card related and only AMEX would be able to assist. Reached out to AMEX again and was told their investigation returned no defects. AMEX stated that they would re-open the investigation and that it would take up to 2-3 billing cycles for results. Also went over the Terms and Condition verbiage with the customer service representative to make sure my interpretation was correct that I should have received 15 night credits for XXXX. Confirmed my XXXX Account Number with the AMEX representative. 

On XX/XX/XXXX, reached out to AMEX and was told the investigation was still pending and it would take an additional 2-3 business days. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits would arrive in XXXX. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits were applied to my XXXX account but in fact it was not. Tried reaching out to XXXX customer service again but was rebuff.
Consumer complaint received 2022-09-21
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (TX)

A debt collector sue me because i owe XXXX XXXX an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
Consumer complaint received 2023-04-16
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. (DE)

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. 

XXXX XXXX : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX 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 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 2022-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management from XXXX XXXX XXXX, ( their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) ) they bought an old collection account from somewhere else and started to aggressively go after me for this disputed debt. They have called from known numbers and from " anonymous '' numbers sometimes up to four times a day. Also, they called my close friends, my next of kin and discussed the matter with them while under the guise of looking for me. They need to be stopped.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

Previous case # XXXX typo please re open there response invalid I provided you a pis scan of my report reflecting on my XXXX Report Plusfour admitted they are resending validation I have already tried to resolve the contact and address on report Im not valid even the address No company at that address as well invalid phone number XXXX NON WORKING NUMBER