davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (FL)

I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( 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. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type XXXX Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : Amount Delinquent : Account Balance : XXXX Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

- Very Respectfully, XXXX XXXX
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MS)

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1200.00} Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-06-05
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. (TN)

As the original creditor I am the only one who can validate these accounts. I do not, I am not liable for the charges listed in the my letters. I am requesting you to sent any document associated with the listed items and send it to me immediately.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I received a income tax refund on XX/XX/2021 into my checking account at citizens bank which was charged off on XX/XX/2021. Instead of them sending the check back they are holding on to my check for 15 days and are going to send me a check after. I am extremely upset by this due to the fact that I already had to wait 3 months to receive my tax refund because the irs was behind and now that they have finally sent it I have to wait almost another month to pay my past due bills that Im drowning in. I wouldnt receive my money until the last week of XXXX.
Consumer complaint received 2021-06-05
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. (CA)

There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ATTENTIOXXXX XXXX XXXX NEED TO INVESTIGATED MY FRAUD ACCOUNT My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was XXXX  in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally XXXX XXXX XXXX XXXX  at the time of this alleged account being opened XXXX getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was XXXXXXXX XXXX XXXX XXXX XXXX XXXXl. XXXX not sure if my family members made this account while I was XXXX  because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point XXXX just so fed up and so damaged by this allege theft that has taken on my behalf XXXX willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. XXXX tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because XXXX really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me Have my release from jail papers attached with this letter and copy of my id to identify me, commissioner letter, also letter that was sent couple days before this letter has my letters also so I dont understand or what more your company wants me to prove that XXXX not the owner of this debt. I paid the allege debt that was charged off XXXX just asking for it be removed I proved every form I could get from courts and nothing seems to be good enough for your company
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX, Addresses that need to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) 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. 

I have sent numerous letters via Mail and have not had a response back yet. 
Per FCRA all information on my credit report must be accurate and consistent. I have provided a screen shot showing one of the accounts reporting inaccurate information.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Apelles, LLC (AL)

On XX/XX/XXXX, I received three calls about a personal financial matter. The person informed me that I had an outstanding debt with XXXX in the amount of {$140.00}. The address that was provided for the services, I did not recognize. I told all three people that I have lived at my current location since XXXX. The representative ( XXXX ) told me that Apelles acquired the number but then asked me if I had contact with any relatives? She also stated that if I could just answer simple questions she could help me out. I explained to her that I have never had an XXXX account and I wanted to make sure no one had stolen my identity. She informed me that Apelles does not report to the credit bureau so I should be fine.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2021-07-27
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. (AL)

XXXX XXXX  XXXX is reporting inaccurate information to all three credit bureaus for credit XXXX bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to Transunion by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to XXXX XXXX collection company. 

I need XXXX to contact Transunion and remove this remark since it was a fraudulent purchase. 

I need XXXX XXXXXXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Consumer complaint received 2022-09-12
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 (PA)

In XX/XX/2022, I was approved for the American Express Blue Cash Preferred card ( account ending XXXX ), which advertised a {$300.00} " welcome bonus '' if you spend at least {$3000.00} within 6 months of account opening ( similar to the existing offer - see link below ). 

When the card eventually arrived at my home, I called AMEX customer service to confirm that I was eligible for the welcome bonus ( as I always do when I receive a new credit card ) and to confirm the terms. A customer service representative explicitly confirmed, over the phone, that I was eligible for the welcome bonus. 

Within the last week or so, I was able to cross the {$3000.00} spending threshold, which means I should have seen the {$300.00} credit. Today, I contacted AMEX customer service again, who this time stated that I am actually not eligible for the bonus, due to " account history. '' I was never informed of this, so the news came as a surprise. The representative informed me that she will open an internal investigation, but that I shouldn't expect a resolution in my favor. Hence this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX XXXX  and pay all my bill on time.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I have spent over {$900000.00} in credit card charges over the years with Citibank. I pay my balance off monthly. I bought a large condo which I planned to remodel and wanted to keep the charges all on one account so I took out a double cash credit card. I thought getting 2 % cash back would be an added benefit. When I received the card I only had a {$10000.00} limit. I called to ask for an increase. I have excellent credit but they said noI had to wait 6 months. I started using the card and when a charge came in I would pay it off so I could make more charges. They immediately started declining charges even tho I had XXXX balance. After many conversations and getting different answers I got on a 3way conversation with my bank as I was told paying off my charges so quickly was suspicious and it could be drug money. The bank verified who I was and I thought that would clear up any questions. Well it didnt. I was then told it was because the business making the charges wouldnt accept the money. None of it makes sense. I have decided they want to hold your limit so they dont have to pay the 2 % by only letting you charge only {$10000.00}. Nothing is said about that in their advertising. I feel that is fraudulent on their part. I am very disappointed in Citibank. I might add I am an XXXX year old female widow
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I request the removal of my PMI on my loan ( {$220.00} monthly ) from my lender. I has been trying to contact my lender, but after I sent certificate letter on XX/XX/XXXX, and I have proof of Federal Mailing office that they received on XX/XX/XXXX, and by E-Mail and phone calls, I do not have any answer yet. 
By Federal law if I owe the lender under 78 % of the LTV of my property they have to remove my PMI. 

Lender Name : Loan Care aka XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Need your help because the lender do not respond. 
Loan # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX