davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

im apply a business card at barclay websilte. and received the result said is reject, call the customer service said need to provide the share holder information. 
our company is a XXXX , we have 2 share holder is XXXX i talk the the customer service said they only on 10 % of the company each and not the use person, do not have the ssn and the XXXX id ask what need to provide. they just call me back said the backend just request XXXX passport to process. after i submit the document, they said they do not accept any foreign document. you can reject the application. but the rep ask the document to provide, after i provide the document you request. the result is reject this document. it's joking to the customer. 

my application id XXXX
Consumer complaint received 2022-04-24
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2021 while at work I was called on my personal cell phone by a man who represented himself as calling on behalf of a Law Group. Through out the exchange he continued to emphasize that this was a law firm of some type that represented creditors. I subsequently learned that the call was in fact at the behest of XXXX XXXX XXXX, a collection agency based in California. 

The man on the call alleged that this debt is originally owed to Wells Fargo. I closed my accounts with Wells Fargo in 2011. At that time the bank made no mention of any amount I owed. 

I believe XXXX XXXX XXXX probably knows I don't have an outstanding debt to Wells Fargo, but they must certainly know that even if there were such, it would be time barred in any state they might claim it applies in. 

I am mailing off a letter disputing the debt to XXXX. I also am requiring documentation.
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-04
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. (KY)

XXXX, Equifax, and XXXX is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation purchased my debt from XXXX XXXX XXXX for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. 

Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00}
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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. 

XXXX5 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-04-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accelerated Portfolio, Inc. (TX)

I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " XXXX and XXXX '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
Consumer complaint received 2021-12-03
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. (TX)

Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section XXXX ( a ) states failure to investigate items in XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to view my credit report online with Transunion for over a month now. I'm trying to purchase a vehicle and wanted to make sure my affairs are in order. TransUnion has refused to allow me to view my report online. They stated that I should be able to view and dispute anything if need be and they have yet to grant me access to my information.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX XXXX and addition +4 membership rewards no matter what card your friend is approved for ''. I utilized this offer and used it to refer one of my friends, he applied and was approved for the XXXX XXXXXXXX credit card. 

I submitted the complaint but I was rejected saying that " We reviewed the referrals from XX/XX/2021 and found that the referral link was used however the application status can not be determined. " However, this does not make any sense. 
The people I referred is my close friend, so he has shared with me his approval email on XX/XX/XXXX. I have attached it as the proof!
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.
Consumer complaint received 2022-02-13
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. (LA)

I've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXXXXXX and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without 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
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (DE)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Comenity XXXX XXXX XXXX decided to close my account for absolutely no reason and I believe it was a retaliation for complaining about the horrible customer service I received when I called on XX/XX/XXXX. This company is engaging not only in highly unethical business practices but allowing their reps to penalize customers who are unsatisfied with their services. 

Everything started when I used my card overseas for one single transition in XXXX, 2022. I immediately received a text stating that card is blocked till further verification. When I returned home I called the company on XX/XX/XXXX and spoke to a very rude female rep.I did not like her tone and how disrespectful and biased she was on the call so I told her to transfer me to someone else immediately as I won't tolerate that disrespect. The second rep who was a male was helpful, walked me through the identity verification check and confirmed at the end of the call that my card and account should be good to use immediately. 

Fast forward to XX/XX/XXXX I find out that my card was actually closed off instead of being unblocked and that the person who did it behind the scene was a female rep. Her name was XXXX I believe. She listed the reason as " Didn't pass the identity check '' even though that's a lie. I'm certain the same unprofessional rep I spoke to on XX/XX/XXXX is the same person behind closing my account and lying about the reason. I escalated to a supervisor her name is XXXX ( Extension XXXX ) and confirmed that my account was closed by mistake. She said that she will reinstate my card immediately but I'm not sure they will be reviewing the call recording with that rep or do any internal investigation about the retaliation part.
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

XX/XX/XXXX I go into emergency room. 
I settle bills with most people except this one. 
I apply for financial aid since the hospital is a non profit. After months of me submitting emails and calls to fair oaks emergency physician I thought my debt was cleared. This is after they " reviewed '' my financial aid application which they would push off for months at a time while still sending me notices of the bill and threatening to send to collection services. 
I kept calling about this and they said they wouldn't and finally in XXXX I resolved my bill with them and it showed up as XXXX on my balance in their website. A few days later on XX/XX/XXXX they send me a statement of my account which clearly shows my balance at XXXX and it seems like everything is resolved. 

Around XXXX I get a letter from American Collections Enterprise ( dated as XX/XX/XXXX ) saying I have until XX/XX/XXXX to dispute the claim. So I called them on XX/XX/XXXX and no one answered. I called them the next day and spoke to someone who told me an email to send my dispute with the statement from the hospital that says XXXX on it. I then check my account with the hospital to see if it still says XXXX to also send as proof as it being cleared but they removed the statement online that says it, and reverted it back to the old balance from a statement from XXXX. 

I called yesterday on XX/XX/XXXX to see if there was any update with my dispute and they gave me a managers number to call who was not there that day. I called the managers number today ( XX/XX/XXXX ) and I hear the automated attendant but as soon as it finishes it says the number is not in service, which did not happen yesterday. So I called ACEI 's main phone number and hear the automated attendant and the same thing happens, it says the number is not in service. I do not know if they blocked me but I just want to remove this bill since I already had it resolved but now they won't answer me, and the hospital has removed the statement saying I owed XXXX ( I still have the paper statement that says I owe XXXX ).
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

1. Berlin-Wheeler did not provide me with written notice of this alleged debt before reporting this alleged debt to the credit bureaus. They denied me my right to request validation and verification of this alleged debt. 
2. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me despite submitting documentation to XXXX that this alleged debt was associated for services for someone else. 
3. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me by only verifying my name and address. XXXX has confirmed that this alleged debt is not associated with my social security number. 
4. The original creditor has received full payment for this alleged debt. I have never paid Berlin-Wheeler for this alleged debt ; however, XXXX customer service informed me that Berlin-Wheeler is reporting this alleged debt as if I paid Berlin-Wheeler for this alleged debt. 
5. Berlin-Wheeler has not provided me with documentation demonstrating their legal authority to collect and report this alleged debt, or access the protected medical information associated with this alleged debt.