davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (FL)

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2020-07-16
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland funding has tried to contact me numerous time after I told them to stop. I received a mail numerous times from them trying to settle a debt they claim I owe them. i have never signed any contract with them and if they indeed purchased a debt for pennies on a dollar, that's their problem. I specifically stated that if I owe them a debt to send the debt to the courts. I have not received anything from the courts, therefore ; I should not be receiving harassing and threatening phone calls. The representatives are rude and they speak with you any kind of way.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

To whom it may concern, I am writing a cease-and-desist letter to remove the following information from my credit report and stop reporting this on my credit report as a collection account. Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX Apartments. For over a year, Procollect failed to provide information or evidence that I owe XXXX Apartments. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX. 

As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination fee due to damages to the apartment from XXXX XXXX XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 

I request that XXXX XXXX XXXX, XXXX remove this from my credit file immediately. 

I appreciate your help, and I look forward to hearing from you. 

Sincerely,
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, XXXX and Equifax.
Consumer complaint received 2020-07-16
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

There are multiple fraudulent charges from XXXX appears on my accounts. I never made any transaction with XXXX on this account. Citi had send me 3 replacement credit cards number with new numbers each time as shown in timeline below, but it does not resolve the problem. 

All fraudulent transactions are shown as " XXXX XXXX CA Digital Account Number XXXX '' - XX/XX/2020, I received a new card ending with XXXX and activated it due to Citi suspect of other fraud activity. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$9.00} - XX/XX/2020, I reported to Citi and Citi send me a new replacement card ending with XXXX - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I activated my card ending with XXXX. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I called Citi again and got forward to Fraud department, the representative said that they blocked all XXXX transactions and should never happened again and send me a new card ending with XXXX ( Reference number : XXXX ) - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$15.00} - XX/XX/2020, I called Fraud department and was told that they can not do anything and they will call me back tomorrow ( Reference number : XXXX ) - XX/XX/2020 : I called Citi again and was forward around for 2 hours back and forth between Fraud department and eService department. 

I have been routed to the following departments but was forward back and forth and seems like noone at Citi know how to deal with this issue. 
- Security Department : Just replace me with new card number. 
- Fraud Department : Believe that this is virtual card number and forward me to eService departments. 
- eService Department : Told me that this is " Paypal digital account number '' and I need to talk to XXXX. However, XXXX also confirm that they don't know about any account number ending with " XXXX ''. XXXX told me that they can only block the number if I know full credit card numbers. 


I have spent more than 10 hours of my time dealing with this issue and I expect the following action from Citi ASAP : - Provide me with full account number of XXXX account number ending with " XXXX '', so that I can tell XXXX to block the number. 
- Prevent digital account number ending with " XXXX '' from being able to charge to my credit card. 
- Remove all XXXX transactions from my account and prevent any XXXX transaction from happening again ever.
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-16
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MN)

ATM didn't return my card back and now is impossible to have a replacement because they are not able to find my data in their system. I helped them with the data in the XXXX portal but it is useless for them and calls never resolve the problem.
Consumer complaint received 2020-08-31
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. (OH)

Equifax has non-verifiable account reporting to my credit report. The accounts have NO Creditor, please delete ASAP. Here are the account number and amounts : # XXXX {$65.00} # XXXX {$93.00} # XXXX {$97.00} Also, I requested Method of Verification and Validation of Debt for this these accounts and have not seen any response : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

Hi, I found the public promotion running at First Citizens Bank 's website ( https : //www.firstcitizens.com/landing/your-bank/index.html ) in late XX/XX/2020 and I decided to open the Free Checking Bundle as it advertised on the website. The promotion was to receive {$300.00} when open a Free checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. ( 2 ) Enroll in eStatements ( 3 ) Open a new savings account.

There was no promotion code/ offer code requested during the application process nor was there any place to include one during the application, so I assumed it was automatically included in the application. 

I completed all the promotion requirements in a timely manner : the checking and saving accounts were opened and funded on XX/XX/2020, I enrolled in e-statement the following day, and completed my 10 debits transitions by XX/XX/2020 and also a bill pay transaction on XX/XX/2020. Based on the promotion criteria, bonus should be posted anytime within 120 days after all qualifier have been met. 

The 120 days of bonus payout date has long passed and I have yet received the bonus payment as of today ( XX/XX/2020 ). Contacted the customer support regarding this matter but they were not helpful.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has called on XX/XX/20 and XX/XX/20 looking for XXXX or XXXX XXXX, and I informed them that I have no idea who they are and that they no longer own this phone number, in which Ive had for almost a decade now. They informed me that they will note this in their system, yet I still get too many harassing calls from them for someone elses debt.
Consumer complaint received 2020-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (TX)

XX/XX/2020-stepson stole money by large unauthorized purchase XX/XX/2020-unable to make monthly payment XX/XX/2020-email from XXXX   instructing me to schedule a payment to cover what I missed. 
XX/XX/2020-attempted to call upgrade.com customer service line, no answer, despite their claim to be open XX/XX/2020-found email asking me to schedule a payment, I scheduled a make-up payment for XX/XX/2020. my next payday. 
XX/XX/2020-XXXX took the money 9 days early, leaving me no money to feed my family until XX/XX/2020 XX/XX/2020-sent email to their customer service email address explaining what went wrong and asking them to resolve. No reply.
Consumer complaint received 2021-12-09
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: CITIBANK, N.A. (NY)

I file case in FDIC and they told me transfer to your place. 
XXXX XXXX too large to upload but in FDIC case transfer. 

FDIC XXXX XX/XX/XXXX Ref. No. : XXXX Re : Citibank, National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau XXXX Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

1. ProCollect Inc refused to reveal the contact details of the creditors thereby shielding me from challenging the improper business process of forwarding a debt to a debt collector without giving me the opportunity to know about the debt and to address it.

2. ProCollect Inc in enforcing a debt notice to a debtor without prior information to the debtor by a creditor is in violation of Texas Deceptive Trade Practices/Consumer Protection Act and Texas Debt Collection Act.

3. ProCollect Inc persistently contemptuously ignores the ruling of Justice XXXX XXXX on XX/XX/2017 which shows that the creditor vacated the debt in the creditors appeal to the court, and hence, the court ruling nullifying the debt.

4. ProCollect Inc refused to remove the debt from the credit records and rental history of XXXX, XXXX  and XXXX, XXXX thereby denying our family the ability to rent a new accommodation.

5. ProCollect Inc continues to cause psychological harm and damage to the growth of our child because we do not have a proper accommodation for her upbringing.

6. ProCollect Inc continues to cause damage to the reputation of XXXX, XXXX  and XXXX, XXXX  by refusing to remove the debt from our credit histories.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Consumer complaint received 2022-09-20
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)

in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 


XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I paid this account in full. To my surprise in XX/XX/XXXX it was reported that I was 30 days late. 

How can this be possible. I have email confirming I paid in full on XX/XX/XXXX along with a confirmation number. I disputed with with Timepayment, no one returned my call. 

I disputed through Experian, it came back that timepayment had doubled down on their inaccurate reporting. This inaccuracy has caused my credit score to nose dive and deprived me of getting a car. 

Someone needs to be held accountable.
Consumer complaint received 2022-09-21
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. (NJ)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent a letter to Equifax concerning an erroneous account furnished by XXXX. The Account in question had multiple errors across all 3 bureaus and did not reflect the information I had concerning the account. I have had this ongoing issue with XXXX and they have never given me valuable proof of the charges on the account they have against me. XXXX  records of this account are misconstrued and I believe XXXX used predatory and illegal tactics on my account. I then sent a letter to Equifax questioning their reinvestigation process because not one time did they call me or notify me that a reinvestigation was taking place. I then on XX/XX/2022 wrote a formal complaint to the XXXX about Equifax and XXXX about this erroneous account and the NEXT DAY without doing any investigation they sent their response. As per the generic response of Equifax that I sent to the XXXX I never asked for the account to be verified or wether the account was mine. I notified Equifax in the reporting error of XXXX. Not one time in their reinvestigation did they contact me as a consumer. Allowing information to be furnished on my consumer report as they see fit is one sided and against the law. An account can not be verified if the consumer was never notified and there is no first hand knowledge of the account. If there were indeed errors in the reporting of the account that was furnished how can you say NOW the account is 100 % accurate when none of the information furnished matches across all three bureaus. This is a direct violation of the FCRA and I do take items on my consumer report lightly. Basically in Equifax 's response to the erroneous account is that they did not do an independent investigation of the account in question but sent XXXX an email for verification and waited for XXXX 's response and they even admitted that they have no records of this account at all and they are simply going off of he say of XXXX. If they have no evidence of this account and are simply letting furnishers dictate what to put on a consumers report when this account has affected my livelihood and my ability to obtain credit is horrendous to say the least.
Consumer complaint received 2020-07-16
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.