davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MA)

I have received a derogatory mark on my credit report for {$220.00} on XX/XX/2022. It claims the account was opened 4 months ago which I never have opened any accounts in general around that time. It says my highest balance was {$400.00} which makes XXXX sense to me as I only have one credit card and two loans, and they do not include any information of exact dates when the account was opened, dates of any payment history or anything.
Consumer complaint received 2022-07-22
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 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 an account without my written instructions.
Consumer complaint received 2022-07-02
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. (NC)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 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 cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  these inquiries were not made by me XXXX transunion, XXXX, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 2022-12-14
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. (GA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 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 cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} XXXX paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, Experian and XXXX!
Consumer complaint received 2022-09-22
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. (MI)

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacy.XXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (IN)

Due to corona virus I got behind on my payments. I emailed santander consumerusa.com and never got any reply. They say they tried to contact me but I never got a phone call, they didnt try to work with me. They never tried to call my husbands number or email or mail me anything. This morning I woke up to my car being repoed. They have since deleted my account on there site and are telling me I have to come up with the entire past due amount plus fees. I have no clue where to turn or what to do. Also my husband cant work right now because he has a XXXX XXXX XXXX. I also cant access any of my information as they have closed out my info on their website.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We are applying for a mortgage and need to temporarily lift a credit freeze with Transunion. We tried for 2 days but every avenue was broken. The website did not recognize our information and our account suspended. The recommended email form to fix the suspended account did not work and kept circling back to the beginning - we tried 3 times. The phone robot did not work and there was no option to speak to a human being. This is a company whose processes are completely broken if you need any help at all.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous.Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

My SSN was stolen by a woman with a similar name to my own. She leased an apartment called XXXX II in XXXX, in XXXX XXXX FL, then left owing rent of approx {$1600.00}. The apartment 's collection agency, Southern Management Systems, then reported this on my credit. 

I learned about this only as I was applying to re-finance a mortgage on my home, that I owned since XXXX. I contacted the collection agency by phone in XXXX of XXXX. 

After getting more information, I filed an FTC report of ID theft, and a report with the XXXX XXXX FL Police Department 's Economic Fraud unit.
Consumer complaint received 2023-01-29
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: WESBANCO BANK, INC. (PA)

Wesbanco bank. Continues to submit late notices. This is a sleezy bank, and Im filling with federal banking commission on fraud, lying, inaccurate info. 
Whenever XXXX XXXX you received something got it, XXXX a XXXX  from this bank. I owe nothing and will never pay this amount. I found out they wanted to charge a up front transmission charge if XXXX fee For opening credit limit. I said cancel credit line then. I received no, no XXXX. XXXX dollars from this bank. Letbthem prove what monies in received in order for late fee. I have two cal from 2 banks now and have no such thing. I didnt. Knowcsboutbthis gee until they.took 29 days to establish this. Their Liars and frauds, they will never got any late fee. XXXX XXXX
Consumer complaint received 2022-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/XXXX there was a Capital One credit inquiry added to my report. I never applied for a capital one in XXXX. I just received and applied for Capital One this year on XX/XX/XXXX. The hard inquiry on my report from XXXX in definitely unauthorized and fraudulent. Please remove this XXXX XXXX from XX/XX/XXXX from my credit file.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

On XX/XX/2022 I disputed a charge on my Discover business card in the amount of {$210.00}. I uploaded relevant documentation at that time. On XX/XX/2022 I called as to the status of my dispute. On XX/XX/2022 I received notification that Discover found in favor of the merchant. I interpret XXXX as the credit card company has 90 days to resolve a dispute. This is beyond 90 days. I did my due diligence providing extensive documentation and calling before the 90-day deadline to check on the status of the dispute. I called Discover on XX/XX/XXXX and spoke with a supervisor who informed me that Discover has 120 days to resolve a dispute. That is not my read of XXXX XXXX
Consumer complaint received 2022-12-14
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: EQUIFAX, 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-07-12
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. (CA)

The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-07-12
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: First Advantage LNS Inc. (AL)

The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. National Credit XXXX  has me in collections for two accounts. Original collectors reported as XXXX XXXX for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (LA)

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX XXXX  people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, Equifax has me at XXXX, XXXX has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX XXXX my rights have been completely and utterly disregarded.
Consumer complaint received 2020-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have 3 credit cards with Capital One that have ALWAYS been in good standing since they were opened, not one missed payment on any of them ever. All three cards were restricted to where I was not able to use them anymore. When I called them to rectify the issue, they said they closed them to prevent fraud. I asked them what fraud was on the account because I looked over my transaction history and saw no unauthorized charges. 

They said there was no fraudulent activity but they wanted to know if i added the authorized users onto my accounts. I explained that I did and that was legitimate and not fraudulent. They refused to accept that as an answer even after an exhaustive process to prove that I was the account owner. 

They then went on to say they needed ID 's for EVERY authorized user I had added over the course of years. I let them know that they were contract workers that I had hired and I no longer had those documents for them. They then said they would keep the accounts restricted. 

Fast forward to today, XX/XX/2020, and I receive a letter in the mail telling me to call them to resolve the issue or the account would be closed in 45 days. I called them and they said they just needed me to send them my driver 's license to fix the issues. They then sent me a secure link to upload said document. 

I then told them that I had 2 other accounts and would this clear all of them up or just the initial one we were discussing? She asked to place me on hold. They placed me on hold for about half an hour and when she returned, it was the same story that they had  explained to me months ago, that they would close the accounts if i did not send in ID 's for EVERYONE ever on the account. I asked her why she wouldn't have told me that initially rather than have me spend 45 mins total on the phone with them this morning?

Now they are saying they will close these accounts on me. One of these accounts is my oldest card that I own, and because of credit scoring algorithms, this will destroy my hard earned good credit rating that I worked years to establish! It will also lower my available  credit by about {$25000.00} which will also have a huge impact on my credit score. How can a company do this to a consumer who has NEVER missed a payment, has never had any fraud on their account for all the years the account was open? To destroy someone's credit score for no reason during a global pandemic when someone is trying to refinance their house is cruel and criminal.