davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, TransUnion, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (UT)

Today XX/XX/XXXX at XXXX XXXX  I found out they are trying to collect {$90.00} dollars from a bill that dates back to XXXX and they know it but still harass me. I asked them to stop calling and that 9 years have passed the agent tried to collect while I was on the phone again. So, I told him that I will contact you and hung up. They've been harassing me since XXXX by phone calls and posting the {$90.00} dollar on the XXXX XXXX application I don't know how they are doing that. This is an old bill that is passed the 7 year mark. I want them to take it off the app and stop harassing me. The name of the bill collectors is CBE Group their number is XXXX. These folks are tricksters no ethics they need to be closed down. These agents are probably doing this to all customers that have XXXX  XXXX  names, thinking that they don't understand English and their rights as a consumer. How many people are they harassing?????? I want them to take it off my credit report! Also to stop calling me, and to stop posting it on the XXXX XXXX app that I use for my medical services.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I have 4 accounts with Midland Funding that is on my collections. I have no knowledge of either of these accounts. These accounts are fraudulent and look like duplicates. 2 accounts were supposedly opened on XX/XX/XXXX and the other 2 was opened XX/XX/XXXX. Ive never dealt with midland funding or the creditor they are working for. This is illegal debt.. and this is hurting me from moving on in life. They also have a default judgement against me but Ive never received mail to attend court. I currently have a case opened with XXXX to get this handled.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-03-18
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. (GA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-06-06
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. (GA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at Transunion in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols.

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any written instructions.
Consumer complaint received 2022-02-08
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)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.
Consumer complaint received 2021-11-09
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. (GA)

( this is not a third party ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I demanded to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

This original creditor was XXXX and it was fraudulent in the amount of {$920.00} .I 've made several attempts to resolve this issue by providing them information that I was not living in the dwelling when this account was being used. The account kept coming back on my report after I would dispute it. I became so frustrated that I hired a law firm to help me with this fraudulent account last year XXXX. To my delight the account seemed to be finally removed from all credit bureaus. On XX/XX/XXXX I received an alert that a collection agency ( EOS CCA ) must have purchased this file and it has again erroneously affected my credit in a negative capacity. I left this account alone for a year or so because every time I would dispute it, it would pop back on my report and drop my score 30 to 40 points as I continued to rebuild my credit, now it pops up like a new account. This should be illegal for anyone to be able to do this!
Consumer complaint received 2021-10-05
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: CORELOGIC INC (PA)

The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.
Consumer complaint received 2022-03-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Violations 15 USC 1681 Section 602 State I have a right to privacy. 
15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions. 

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them. 
Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs Throckmorton, 98 US 61, at pg. 65 ) There is no known law that says I have to pay anyone anything.

I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending XXXX.
Consumer complaint received 2021-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, I went on Spirit.com to purchase my airfare reservations. Once I selected my dates and I got to the payment window, Spirit Credit Mastercard offered a promotion of a {$100.00} instant credit to be applied to the reservation of my airfare in exchange for opening a credit card if approved. I was approved for the credit card through Bank of America. I received emails confirming my card and welcoming me stating that my card will be mailed to me along with no other contact information or account number other than " Bank of America ''. I then proceeded to try to pay for my Spirit airfare reservation with my new credit card but the website required me to enter the new credit card account number/expiration/security code. I called Bank of America/Spirit Mastercard customer service and their response was they could only provide me an account number and expiration code, but no security code. Spirit 's website would not allow me to continue the purchase without inserting a security code, thus forfeiting my ability to pay with Spirit Mastercard and losing out on the {$100.00} credit. Bank of America 's customer service rep said I would have to wait for the physical card to arrive in order to purchase the airfare. By the time that would happen, the airfare would also cost me more!
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (NC)

XX/XX/2021 I certified mailed EQUIFAX an ID theft report affidavit with all the accounts I disputed, 2 forms of ID, and an utility statement. On XX/XX/2021 EQUIFAX received everything. On XX/XX/2021 I received a letter from EQUIFAX saying, For EQUIFAX to block information under Section 605B FCRA, you need to provide proof of your identity. I provided that from the beginning and according to 605B ( a ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Its past 4 days and shouldve been off my consumer report. On XX/XX/2021 EQUIFAX removed 2 collections account, however, on XX/XX/2021 the same 2 collections account were back on my consumer report. All alleged accounts say medical, which is 603 ( i ) of the Fair Credit Reporting Act, and should not be on my consumer report. Thats a violation of 15 U.S. Code 1681a ( d ) ( 3 ) also 603 ( d ) ( 2 ) ( 3 ) of FCRA. I never gave EQUIFAX my written consent to furnish anything on my consumer report so thats another violation pursuant to 604 ( a ) ( 2 ) permissible purposes of consumer reports.