davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-03-28
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. (MS)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2021-07-09
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)

there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Hello, I was recently alerted to a change in my credit score, When I checked it out there was a new collections on my account from XXXX sometime, After I researched it I contacted the said original creditor and they admitted the credit card was mailed to an address thats not mine and was used and never paid, As I explained it was 100 % not my account they said its not there problem any longer and I needed to contact the new collection agency which is Midland Credit, So as I contacted Midland credit the representative was very rude and ignorant stating there is nothing I can do but pay in full {$690.00} or settle for {$510.00} but as I explained its not my account they were only interested in getting paid, I have disputed this account with all 3 credit bureaus only to have It come back as accurate, This makes absolutely no sense to me due to this not being my account, Now this account shows as closed with a derogatory Mark on my credit report in which significantly lowered my scores, I dont have any where else to turn for help because it seems Im getting stuck with someone elses debt, Can you please help me? 

Original Creditor : XXXX XXXX XXXX Original Amount of credit : {$300.00} Card mailed to XXXX XXXX XXXX XXXX Pa XXXX Opened XX/XX/2019. 

New creditor : Midland credit XXXX. Fax #. XXXX XXXX. Account XXXX. 
My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Thank you
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I received in the mail from NETSPEND XXXX XXXX XXXX XXXX TX XXXX A bank card with my name, and a routing number XXXX and account number XXXX and a bank name : XXXX XXXX. I had never contacted this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. Looking at the one page letter with this information and physical card, which has a XX/XX/XXXX expiration another account XXXX. _______ What is particularly concerning is that I already filed a CFPB complaint for this same bank when they sent a different card wtih the same routing number and a different account number XXXX and different Credit Card number XXXX. XXXX CFPB XXXX, where they write here in CFPB system, " We have also flagged your information to ensure no future Accounts are opened with Netspend using your name and Social Security number. We also removed your name and address from our mailing list, so that you should not receive future cards from any Netspend-managed prepaid card programs. '' ___Obviously that was a lie, since they sent another card to my address, with a new account number and Credit Card number. What is additionally deceptive is that in their previous response they suggest an identity theft issue -by them it appears- as I have all three of credit bureaus frozen, way before I received the first bank card. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our actual XXXXXXXX XXXX account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number being created repeatedly by the dubious and lying company Netspend ( see their promise to remove my information in XXXX ) arriving in the mail is a serious concern. Please confront this company, they are clearly scamming people.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

I contacted XXXX due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX  is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again XXXX due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX  XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, 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. (FL)

I contacted XXXX  due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX is discriminatory against XXXX Americans w in its credit reporting and products or services. I have files over a dozen complaints again XXXX  due to my reports being outdated. XXXX debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent people of XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against people of XXXX
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (OH)

Citi card has been the worst. A data breach with my pertinent personal information has occurred with suspicious activities on my account involving Citicard. Ive yet to receive a resolution on the XXXX that theyve promised to send & since thats evident that it has not been sent is another violation of my privacy rights to have documents not reach the proper address because of frivolous fraudulent activities that Citi has been involved with as well. Ive promptly & competently completed all requests asked of me throughout having services with Citi even until now & still no resolution from Citi except saying that I still owe them no matter what even though they know theyve stated a XXXX is a resolution to removing their negative, false account from my credit profile & have disregarded this just to tell me on my recorded line that they are participants in double dipping by requesting a payment even after a XXXX in writing is a solution to this nightmare. How honorable? If they arent ensuring that their systems are sending the mail to the proper person then how can we believe that my account with them always reflected the proper payments postedI know howWE CANT. Remove this account from my credit report asap along with any damaging history as well.
Consumer complaint received 2021-03-28
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. (DC)

The credit agency experian and XXXX seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent. 

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an RV I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of XXXX years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as XXXX should not be able to charge {$0.00} to retrieve a credit score when Experian provides it with the free credit report to which all Americans are entitled.
Consumer complaint received 2022-11-05
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. (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. 
has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I'm submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT INC knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand roof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulation by the FTC U.S C41, et esq.
Consumer complaint received 2021-03-27
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 been with American Express for over 20 years and someone changed the phone number and address for my card. American Express closed my account and has charged off this debt even though it isn't mine and they know the address and phone number were somehow changed. Now it is on my credit report. And they say I owe the money. No one there at American Express has done anything for me.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Phillips & Cohen Associates, Ltd. (AZ)

Received a letter stating I was deceased from Phillips & Cohen. Then the they reported that I was deceased to the 3 credit bureaus. This is fraudulent information and I am not deceased. I have enlisted the services of an attorney and will be filing legal action of Phillips & Cohen doesn't contact each credit bureau and remove the " deceased '' comment from my credit files. 

Additionally, I'd like to know where they got the information that I was deceased? 

This seems to be illegal collection activity in an effort to collect a debt. Very shady.
Consumer complaint received 2021-03-28
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: Experian Information Solutions Inc. (TX)

I've sent multiple letters to the credit bureaus asking the bureau to verify the alleged debt. This credit bureau is continuing to report unverified inaccurate information on my account. The bureau has violated so many laws by not showing me proof of how the account was verified, If they verified the account they would have to know the account listed below is past the statute of limitations and should no longer be reported to the credit bureaus. I've sent multiple letters certified and mailed Account name : XXXX-XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX  Account XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX The accounts are reporting past the statute of limitation. 

The Statute of Limitations ( SOL ) is a crucial debt collection law in Texas, but it is not the only regulation protecting your legal rights in the XXXX XXXX XXXX. The SOL is four years for all types of consumer obligations. 

The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, ( Section 16.004 ( a ) ( 3 ) ). 

Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary, Delete Immediately This is a VIOLATION and must be deleted
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I contacted the collection agency on numerous occasions Portfolio Recovery us reporting this debt as a new debt they are reporting this debt as the date they purchase the debt from XXXX they are reporting XX/XX/XXXX as date which isnt true this collection was opened on XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act as it clearly states that that you can not report a charge off debt as the date your purchase the debt because they have altered the charge off date as the date purchase it is committing fraud