davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXXI fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started receiving phone calls from Trans Union. They leave a message saying they are a debit collection service and I need to call XXXX, ask for XXXX XXXX and my reference # is XXXX. I noticed that the number that called me was not the number given to call back to but I did not write down what it was. I have attempted to return the call 3 times. Each time I am told that all representatives are busy. That recording will come on periodically. After about 10 minutes of being on hold another recording says no one can help me at this time, please call back. I do not owe anyone anything as far as I know and I want this to stop
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

equifax has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your Equifax credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
Consumer complaint received 2018-04-20
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)

There are inquiries showing on my report that I never authorized nor they have a permissible purpose, nor they have written authorization for the following inquiries. XXXX XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XX/XX/2017
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.
Consumer complaint received 2024-10-10
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX Card Ending : XXXX I closed one of my Blue Cash preferred account. I paid my membership fees for the year, when I cancelled the card, it wasn't the end of the year, so when I closed it, they prorated my membership fees and I ended up getting a refund of about {$100.00}. Everything was good and there was no issues. Few months after, I get a letter from them saying that I owe {$6.00}, called them, they said it is interest, from here to there, they said they are going to waive it and they did. Few months after, I get a notification from XXXX that a delinquent account was added to my record and when I checked it was the AMEX closed account. How did this affected me? my credit score declined by 90 points. I called AMEX multiple times, they transferred me from one line to the other and nobody helped me, I was caught in a limbo. Please assist me with this, I don't know where to go with this. Help!
Consumer complaint received 2018-06-05
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. (TX)

TransUnion has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to TransUnion. Also, XXXX ( an organization that mirrors TransUnion in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. TransUnion & XXXX have all maintained to fail in deleting this account which violates the FCRA.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

OnXX/XX/XXXX I ask for a Pin Number involving My Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through four more Equifax Confirmation Numbers after asking for a Pin Number to my Equifax Credit Freeze Report.

And after five tries one Equifax Representative stated that stated on XX/XX/XXXX ta creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This was absolutely and totally wrong.

I left XXXX, XXXX on XX/XX/XXXX, and moved into the XXXX XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX.

I ask which creditor? Because all of my creditors including Bank and Department Stores Credit Cards along with XXXX, XXXX XXXX   knows my Address and it has been since late XX/XX/XXXX And what's troubling, Equifax could not reveal which creditor it was that gave this false and erroneous address. I only have a few credit cards.

And that is the major problem. Which creditor I ask again and I could not get an answer as to which creditor it was that stated I still lived in XXXX, XXXX even in XX/XX/XXXX.

The problematic of this entire matter is that on XX/XX/XXXX, My FICO Score Report was sent to me with the same name and address as being XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX some 11 years earlier. And how could Equifax get it some wrong in year XX/XX/XXXXwhen they got it right in year XX/XX/XXXX.

So who was it that gave this false report?

And since then I have changed my first name legally from being XXXX  to XXXX XXXX XXXX.

Please see the attached documents.
Consumer complaint received 2024-10-10
Product: Credit reporting 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)

Please delete all inquires these are fradulent an are not attached to any accounts I have they need to be removed asap It is also unlawful to post anything to my file without proper consent or written permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however Best Buy has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.
Consumer complaint received 2018-06-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I redeemed XXXX  points for a credit statement of {$240.00} plus a 75 % bonus for a total of {$420.00}. Only {$240.00} was credited to my account because the credit was issued to my credit card instead of my checking account. I called in 3 times and was told 2 times that the issue was going to be corrected and my checking account account would be credited the {$420.00}. In fact on XX/XX/XXXX I called in at XXXX XXXX  and spoke with a representative who spoke with their supervisor and got approval to have my account be credited. They asked for my checking account info including account number and routing number and said I would be credited within 2 business days. After waiting a week and not being credit, I called in again and was told that they would pull the recorded phone line and would be contacted on XX/XX/XXXX. I have yet to be contacted.
Consumer complaint received 2018-04-20
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MI)

I opened my XXXX XXXX XXXX XXXX card in XX/XX/XXXX of XX/XX/XXXX. I set up automatic payments as of XX/XX/XXXX for the account ; as I do with every one of my accounts so I never have to worry about a missed or late payment. I received a call in XX/XX/XXXX of XX/XX/XXXX stating that I was currently past due on my account and a payment needed to be made. I was not aware that my account was delinquent in payments and explained to the representative that I have automatic payments and should not be past due. He said for some reason they were shut off ( not from myself ) and that I would not receive a late fee because of the mix up. He then reassured me after verifying my bank information that I was set back up for automatic payments and wouldn't have to worry going forward. In XX/XX/XXXX, I once again received the same call stating that my account was past due. I then explained my situation again to the representative and the same outcome came from the conversation. After being told false information the first time I received the call, I went online myself to confirm that I was set up for automatic payments and from then forward I have been current. 

I am currently applying for a mortgage for my first home. When my credit report was pulled, two derogatory marks were shown for late payments. When I called XXXX, they explained to me that there was a returned payment of {$800.00} from XX/XX/XXXX and that shut off my auto-pay. I have bank statements showing the account balance as well as transactions for the month of XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX proving that the money was never drawn from my account and that there was more than enough money in my account for payment. 

I received a call in XX/XX/XXXX for payment and I explained to the representative that I have auto-pay and that I just had made a large payment on my account just a month before. He had said that my auto-pay was shut off and that I needed to make a payment. I was under the assumption that my auto pay would be turned back on once I confirmed my account information with the representative. 

I have never had a returned payment due to delinquent funds in my bank account. I have been a card member since XX/XX/XXXX and have had automatic payments set up from XX/XX/XXXX on. I don't know what happened in regards to the payment not going through, but it wasn't at fault due to insufficient funds. My bank also has no record of the payment ever being attempted to come out of my account. 

When I explained this ( many times ) to the representatives at XXXX, they said that it wasn't their error so there was nothing they could do. I tried explaining that it also wasn't my fault and that I have bank statements to prove it never was attempted to come out of my account and they said that there was nothing they could do.
Consumer complaint received 2018-06-05
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: Second Round Limited Partnership, Austin, TX Branch (TX)

XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have a credit card from Bank of America with a {$17000.00} limit and a XXXX  balance. I have had this card for 23 years. Even though I received an offer in the mail, I called in to do a balance transfer on Friday, XX/XX/18. The account representative asked for some updated information, but me on hold for 15 minutes. When he came back on the phone he cancelled my card and reduced my limit on my other Bank of America card. I asked talk to a supervisor, but the representative stated that person was not available because the office had just closed. I called back on Monday, and the automated system stated that my account was closed. I spoke to a supervisor and let her know that I had XXXX in liquid assets and had paid off {$5000.00} balance on another card which may not be reflected on my credit report. That did not give permission to check my credit, because if I had known, I would have asked more questions before giving permissions. She stated she would not change the decision. They Cancelled my credit card and thousands in credit within one working day. My credit score will be harmed and the only reason give was how much a utilized my credit, but I can't be ( prior to the adverse action ) more than 50 or 60 percent, and I have good credit. I asked to speak to a manager, they said he would call me but never did. 

Finally, I do have school loans, which I have had for some time, but they have never been lower and my income has never been higher. So I do not see why they took this action. 

Thank you, XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I received notice from Experian on XX/XX/XXXX they completed their investigation as the alleged debt belongs to me. But, my rights to dispute, verify and or validate have been denied due to the fraudulent address thats still listed on my credit report for XXXX XXXX XXXX. Ive tried to contact them numerous times to advise not only am I disputing the debt, but the statute of limitations in the state of XXXX  is 6 years. Per XXXX, this debt started XX/XX/XXXX, therefore per the applicable XXXX in XXXX  state, is now expired. XXXX XXXX XXXX did not respond to any of my certified letters. Lastly, I sent the same documents to XXXX as I did Experian and they remove the collection from my credit report XX/XX/XXXX. How am I supposed to properly dispute a debt if XXXX XXXX XXXX refuses to accept certified mail?