davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I have had my Discover card stolen from me while I was shopping at the XXXX XXXX XXXX XXXX XXXX, located in XXXX, CA on XX/XX/2018. 
Discover was notified as soon as the loss was realized - basically next day -Police report - XXXX # XXXX - was filed later ONLY because it was expected that Discover would keep the promise to always support its LOYAL customer -Police detective called Discover to confirm the report filed -Copy of the police report was sent to Discover. Discover said that they will hold me accountable for the charge and refused to treat this as credit card fraud. Furthermore, they reported me to the credit bureaus for disputing the account. After months of calling and trying to get this resolved, they told me they wouldn't do it.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, 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. (NC)

I was notified that a credit inquiry was made to Transunion on XX/XX/XXXX by XXXX from XXXX XXXX XXXX XXXX, XXXX, GA XXXX, telephone # XXXX ( I tried to call was told that it was not a working number ). I've talked to both Transunion and XXXX who advised I contact you.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that XXXX   and Experian did not remove the consumer statement as well.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

Transunion did not remove this statement and I believe that XXXX and XXXX   did not remove the consumer statement as well.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

XX/XX/2019 {$6200.00} including the post-judgement interest {$110.00} They sent me a letter saying the amount due on the day I pay may be greater. 
I saw the plaintiff name is " XXXX XXXX XXXX XXXX. '' I have never owned anything from the original creditor ( XXXX XXXX XXXX ). 
I searched and found out these company have same issues as mine. 
I can not understand why these scammers can keep their business.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

All  XXXX  credit bureaus are susceptible to allowin g    XXXX   XXXX   to show incorrect information. I 've tried to tell the credit reporting companies a nd   XXXX   XXXX   a million time s, tha t    XXXX   XXXX   debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still shows a  XXXX   XXXX  etc., which is not accurate.
Consumer complaint received 2024-10-20
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. (NC)

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached
Consumer complaint received 2019-06-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a XXXX   and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with ACE CASH. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY ACE CASH OR ANYONE AFFILIATED WITH ACE! They need to investigate the who I will not be threatened.
Consumer complaint received 2024-10-21
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. (FL)

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. It is important to note that the payments in question occurred during the
COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Madeapaymentof{$110.00}toXXXXXXXXformyXXXXcardaccountonXX/XX/2019ontheirautomatedsystem.Theirsystemstorestwobankaccountswiththesamebank(XXXX)thatIusuallyusetomakepayments.ThepaymentwassenttothewrongaccountandthebankreturnedthepaymentontheXX/XX/XXXX.andIwasreportedthatImissedmypaymenttothecreditbureau.Ihadadequatefundsof{$18000.00}duringthisperiodintheaccountthatthepaymentwassupposedtobewithdrawnfrom.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (IL)

MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.
Consumer complaint received 2024-08-17
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2019-06-10
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: AMERICAN ADVISORS GROUP (OH)

This complaint is in regards to a HARD CREDIT CHECK done WITHOUT MY PERMISSION -- I ONLY ALLOWED A " SOFT '' CHECK FROM THE THREE CREDIT REPORTING BUREAUS, The complaint is against the company, AAG /reverse mortgages. 

When told that a credit check was required, I asked THREE TIMES if theis check would be a HARD check, and THREE TIMES, I was told NO nO. 

After allowing this check, I was contacted by XXXX and my score dropped IMMEDIATELY FROM XXXX TO XXXX, BASED ONLY ON THAT CHECK BY AAG. 

AAG says they have the 88 minute conversation on XX/XX/2019, where they were given permission to do a SOFT CREDIT CHECK. 

SEE ATTACHED RESPONSE FROM AAG, SENT XX/XX/2019 FOR THEIR RESPONSE TO ME, NOT TO THE CFPB. so I am filing a NEW COMPLAINT against AAG, for them simply to authorize the THREE credit reporting bureaus to DELETE that HARD check on XX/XX/2019 see the attached, 3 page letter of AAG 's RESPONSE, NOT SENT TO CFPB AS THEY REQUESTED. 

SEE ATTACHED 3 PAGE LETTER
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt. 
According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affiliated Acceptance Corporation (AL)

have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per XXXX opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my XXXX from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2019-06-06
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. (TX)

Transunion is not reporting correct information as far as score b/c when I get the risk base pricing back from company its always higher than what they tell me same with XXXX misleading score this has got to stop
Consumer complaint received 2019-06-08
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: EQUIFAX, INC. (MD)

I am unable to access my credit report or credit dispute results through Equifax 's webpage. Every time I try, I get a number to call instead. 

When I call their number, they tell me I must do everything over the phone or via mail. When I ask to speak with someone who can help me with my online access problem, I'm told no one in their company can help me. I just have to use the phone. This is completely unacceptable to me, as using the phone requires about 30 minutes of identity verification and requires me to buy another credit report so I can answer security questions. 

They company should be able to explain why I can't access my account online and provide a remedy. They tell me no remedy is possible, which is complete nonsense.
Consumer complaint received 2019-06-06
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. (WA)

On XX/XX/XXXX a company by the name of XXXX XXXX XXXX illegally added an old account from 3 years ago, ( that I included in my Chapter XXXX Bankruptcy schedules ) to my XXXX   credit report as an owed debt they're trying to collect on. The original creditor was XXXX XXXX XXXX. So I disputed this directly with the collection agency XXXX and credit company XXXX, as well as filed a CFPB complaint. Days later, before XXXX received my bankruptcy schedules, showing the original creditor, they sent me dispute results stating that the creditor verified information and would stay on my report. A few days after this, upon receiving my bankruptcy schedules, XXXX  realized XXXX XXXX XXXX was being dishonest, so XXXX then updated my dispute results showing they removed XXXX and XXXX XXXX from my credit report. on XX/XX/XXXX, I decided to check my other two credit reports ( XXXX and Equifax ), and realized XXXX XXXX XXXX had also included this old account on to these reports as well. Being that I disputed them directly showing proof that they were illegally trying to collect on a discharged debt, they listed the account differently on XXXX and Equifax reports. It's listed under collections, showing it was included in my bankruptcy. Thing is, any other accounts listed under my bankruptcy aren't listed as collections because they are no longer owed debts. I tried disputing this, getting the information removed with both XXXX and Equifax, being that its false reporting which is against the law. I just received a new report and dispute update from XXXX showing they removed XXXX XXXX XXXX from my credit report, while Equifax says it'll remain on my report showing as a collection. This company maliciously added this information to my credit report, 3 years after me filing bankruptcy and is very damaging to my report.
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (NE)

I am a XXXX XXXX  XXXX Veteran that is XXXX and XXXX. I had a medical incident and had to go to XXXX Hospital for treatment. They improperly registered me as a self pay patient. Instead of submitting the visit to VA. I found out that this was in collections when we went to by a property. I did try and negotiate a settlement with AAMS 2 years ago. AAMS told me that the was a medical bill from XXXX Hospital and the date of the visit. My wife and myself figured out what the situation was and contacted XXXX at XXXX Hospital, he is the person that handles these item. After several attempts I was able to talk to XXXX via phone, he informed me that it was an ER Visit and that they had me as Self Pay this is why it is in collections. I informed him that it should have been through VA and not self pay. XXXX informed me he would see what he could do. That was 4-5 months ago and he is not been returning my phone calls that I leave left a message for him trying to get a Status. This bill is still on my credit report and now say it is due to come off in about two years. This is not acceptable! XXXX Hospital is the one that made the mistake and should correct it. 
Buy not submitting this bill to VA they are trying to receive more money though self pay than they would though VA, as VA only pays the same rate as midi-care / midi-aid.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I wrote to Transunion in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Transunion and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX District of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX District of Pennsylvania Bankruptcy Court supporting my position. I asked Transunion to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it.