davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a XXXX XXXX and XXXX XXXX. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called their dispute department and requested they remove all the hard inquires from my credit reports. I have sent letters to each one of these companies and have not received validation from any of the companies. I explained this to the representative that answered and the supervisor I spoke with. I was told that the only way to remove these inquires was to get a letter from the company that did the pull saying they did it and should not have. I told them I contacted each and every one of the companies and they did not respond with in 45 days of the letters being mailed. How am I supposed to have them sign a paper if they are not responding?
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

Barclay Bank of Delaware opened a fraudulent account in my name when someone applied for a credit card in my name using my information that was stolen when I was the victim of identity theft. I have notified Barclay that this was a fraudulent account and I provided them my police report where I reported the identity theft to the police, my identity theft affidavit, and other identifying information and I let them know this account was fraud. Barclay has refused to remove this fraudulent account from my name and social security number even though I complied with the FCRA and made them aware that it was fraud and provided the proper documentation. XXXX had deleted this fraudulent account from my credit report several years ago, but Barclay 's has asked XXXX to reinsert the fraudulent accounts Barclay 's is violating the law by continuing to report this fraudulent information against my name and social security number
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX all off my inquiries were deleted from. I logged in today and they have been added back on. This has had a major effect on my credit score and it has caused it to go down tremendously.
Consumer complaint received 2016-10-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TRANSWORLD SYSTEMS INC (OH)

I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX I opened a account and put a cruise on the account but I never got my credit card in the mail. I found out it went to the wrong address it went to a XXXX XXXX does not even have my right phone number or my right email these charges are not mine.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files. Attached is the letter ( Dated XXXX 2016 ) sent and proof of certified delivery.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express Blue Bird XX/XX/2016 RE : Blue Bird Acc # XXXX I have used the Blue Bird Card for several years - processing thousands of dollars through this account - this is a Pre-Paid Card and have utilized the benefits that allow me to send family members money. 
I went online today to send " XXXX '' [ one of my family accounts ], money to find that American Express had authorized and paid a " duplicate charge '' from XXXX in the amount of {$120.00}. This charge was made on XX/XX/2016 and paid - but AmEx paid it again - the merchant XXXX must have processed it again - yes? But why would AmEx pay it again when there is NO MONEY TO COVER IT? And put this account in the negative? I have never seen anything like this before and will not accept responsibility for this and should not have to wait 10 -14 days to have this account credited so that I can send and use the card.! I am being inconvenienced and this is not part of our agreement! 
In other words, you loaned me the money and the account is over drafted now? This is WRONG! Now I was told that I must wait 10 - 14 days and file a dispute? I did not make this mistake - Am Exp made the mistake. Yet now I ca n't send XXXX money unless I cover the XXXX over draft? This is wrong - I did not open a credit card or loan account this is a Pre-Paid card and Am Exp made a mistake and I desire it to be corrected. Yet now Am Exp has taken up over two hours of my time and I have to go out and wire XXXX money because I ca n't use this card! 
It has cost me time and money today as I have had to go out and send money through XXXX - you should also allow credit for my inconvenience. 

XXXX # XXXX XXXXXXXXXXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (IL)

I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting wrong information regarding my XXXX XXXX XXXX XXXX. The loan was opened in XXXX XXXX for XXXX months. They are reporting the XXXX payment as XXXX XXXX which is incorrect. 
XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments {$9200.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$410.00} Responsibility Individual Balance {$9200.00} Highest Balance {$20000.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I applied to get an apartment for myself and my XXXX years old daughter. I received a phone call that my application was denied due to credit issues and I asked them I should not have any issues on my credit report and they could not give me the details. I had gone to my cousins house and used his computer to see my credit report from XXXX. I did that and I saw a collection account for an unpaid XXXX account from company called DIVERSIFIED CONSULTANT. I immediately called XXXX and spoke to billing department and they told me that my account was in a good standing with them. then I called DIVERSIFIED CONSULTANT and talked to their repersentive about this account that showed up in my report and they told me that based on my social security information they do not have any account that they are reporting to the bureaus. I told them I like to speak to supervisor and told me the same thing. then I asked them to provide me with the a letter that I do not have an account with them and they told me they can not do such a thing. that 's why I am here hopefully with your help I can get my problem resolved.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The Cherrington Firm PLLC (UT)

Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

During the CFPB investigation ( XXXX ) Midland Credit Management Inc. / Midland Funding LLC ; Admits the alleged debt they reported on my credit report and attempted to collect ( post ) XXXX/XXXX/2013 ; The date they claim it was sold to XXXX XXXX. Proving they had to right to report or attempt to collect the alleged debt they did not own. They need to remove that alleged debt from my credit report ( s ). Or if XXXX XXXX is a subsidiary of Midland Credit Management Inc. they need to provide the legal documentation they ( own ) the alleged date ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ).
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In reviewing my credit reports I noticed that information on my Trans Union report had been deleted including XXXX tax liens and inquiries however at a closer look I noticed that the information that was deleted had been reinserted. Trans union had a glitch in it 's system that violated my rights as a consumer under section XXXX. As result I 'm asking that all inquiries and public records be removed as it has gravely affected me and my credit score is suffering as result of this action
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was victim of the " Inquiry Issue '' Section 6 '' 11, when items are removed a five day notification must be given to you before putting back on your report. Notice was n't given and they items were put back on my credit report by Transunion. 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX. 6. XXXX XXXX XXXX/XXXX/XXXX. 7. XXXX XXXX XXXX/XXXX/XXXX. I reported the problem to Transunion Credit reporting company nothing has been resolved.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i never used this card. i was applied as an authorized user. I made a payment inside the branch to bring current and to stay active. the bank never stated my payment would take three - four business days to apply to the credit card. A week later i received a collections letter. i called the collections office and they had no record of my payment. this card should have stayed active as i was making payments.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.