davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

I have XXXX XXXX Inquiries show up on all XXXX credit bureaus reports, on XX/XX/22 from XXXX XXXX, and American Express. This was not me, and not authorized by me. I believe someone may have fraudulently used my information. I have placed a freeze on the XXXX credit bureaus, and placed a fraud alert. I would like the XXXX XXXX Inquiries removed from my reports because it affected my score negatively.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I XXXX XXXX am a victim of identity theft and violations of the fdcpa by Jefferson Capital Systems ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt.Khimmat v. Weltman, Weinberg and Reis Co. , LPA, E.D.Pa.2022, 585 F.Supp.3d 707. Finance, Banking, And Credit 1487 The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. Bishop v. I.C. System, Inc., M.D.Fla.2010, 713 F.Supp.2d 1361. Finance, Banking, And Credit 1484 WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v.

ACB Receivables Management , Inc., D.Md.2014, 15 F.Supp.3d 619.Finance, Banking, And Credit 1484.
Consumer complaint received 2022-12-09
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)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below is the account with erroneous information and Id like remedied ASAP. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-09
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. (KY)

I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the XXXX time and the amount has doubled. XXXX agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Consumer complaint received 2023-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2023-03-30
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (OH)

They are reporting inquiries on my credit report that I DO NOT recall. Please provide me with documentation and proof I applied for credit with these creditors. If you can not provide such documentation, then please remove all these inquiries from my credit file immediately. Also there are alot of accounts that are being reported incorrectly. These accounts are showing past due and or charge-off/closed accounts. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report and please provide me with a new credit report reflecting these accounts removed upon completion. LAW 15 U.S.code 1666 correction of filling error and LAW 15 USC 16816 Permissible proof of consumer report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my XXXX credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

Settled an account with NCA XXXX XXXX. Disputed findings with XXXX and XXXX states their research and feedback from NCA leaves account information unchanged. I called NCA and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

XXXX  Dispute # XXXX Closed XX/XX/2022 I provided letters from NCA showing account balance is XXXX and account is settled. 
XXXX 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

NCA Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OK)

This has happened many times. Every time I make a purchase from XXXX using my cash app card. XXXX rubs the transaction for the total amount plus {$10.00} for any price discrepancies or substitutions. Within 24 hours, the order has been delivered and the actual total is sent to cash app. You can see Im the cash app ledger ( attached ) that the same day the order is placed cash has the actual final total. They could resolve the transaction and make any overage paid available to the account holder ( me ) that same day but they hold it a full seven days. This is my money and they will not tell me why they have to hold it, they blame it on XXXX when I ask them. This is clearly not XXXX as cash app has the final total on their own ledger. I can assure you that if my total ended up being more than the pending an amount, cash app would zap that money from me immediately. How is it ethical to take possession of my money and hold it for an entire week? This is their standard practice.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (KY)

I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the 3rd time and the amount has doubled. One agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Consumer complaint received 2022-09-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2022 I tried to use my USAA credit card to pay for a hotel room. 
It was declined so I used my XXXX debit card. It was approved. 
Shortly after that transaction, the same day, the amount of {$200.00} was approved and charged to the USAA credit card. 
At that point I paid for the room twice. 

I contacted USAA regarding the matter and a temporary credit of {$200.00} posted to my account while a disputed was issued and investigated. That was also on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from USAA stating not enough information to resolve the issue had been summitted and a charge back of {$200.00} posted. 

I had spoken to a USAA representative on XX/XX/XXXX and answered all their questions asked regarding the matter.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-29
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or Transunion. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in XXXX  of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to Transunion and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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 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 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 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding this account showing repeated charge off and they send me back letters stating that they have reviewed my account and the information is correct. 
I have not received any of these below regarding this account. 

XXXX. No XXXX Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
XXXX. No XXXX Received : I have not received an IRS Form XXXX ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
XXXX. Repeated Charge-offs : According to the FCRA, XXXX debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in XXXX XXXX. XXXX and XXXX XXXX. XXXX, which govern civil liability for willful and negligent noncompliance with the FCRA.
Consumer complaint received 2022-07-29
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. (SC)

XXXX XXXX XXXX has appeared on both my Transunion and XXXX credit report as an open account within the last few days. This same company appeared on my XXXX credit report in XXXX and it was disputed then as a fraudulent account. Now, the same company has shown up on my other XXXX credit reports. This account is not mine. When attempting to call the company directly, no one answers the phone nor does anyone call back when you leave a message. When trying to talk to someone through the website, there is no option to support help.