davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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)

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. 



XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX4, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | 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 2020-09-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pressler & Pressler, LLP (NJ)

Pressle Felt & Washaw LLP sent a collection notice to a friends home who I have never lived with. I have never resided at this address or used this address in any capacity
Consumer complaint received 2024-10-25
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

Bought a mattress from Macys XX/XX/XXXX I did not have enough credit available on my regular card. The salesman called Macys and received approved for {$3800.00} and did not explain that this was a 24 month program and if I did not not pay if off during that time I would be charged {$2700.00} in XX/XX/XXXX. I have made regular payments on this account since then and today got my statement that shows a balance {$5500.00}. I mentioned that the salesman did not explain the details of this type of account and that I was in no position to pay it off to avoid the extra charge. They offered me arrangement to may {$840.00}. for 3 months until XXXX and they would waive the {$2700.00}. I stated that due to the COVID-19 pandemic I was not able to make such a payment and was in a mortgage forbearance with my Mortgage. Again, had the salesman gone over the details of the credit, I would not have made the purchase that day. They should have explained the details. Now I own more than the mattress cost. I will be pay double the amount. I talked with 2 customer service reps and 2 superviser. They did not offer any reasonable solution. SHAME on MACYS.
Consumer complaint received 2020-09-10
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. (MN)

During this Covid-19 pandemic I have been receiving strange emails and phone calls. I believe my information was fraudulently used to try to obtain Credit Cards, Auto Loans, etc. 
These are the following Inquiries that I have noticed to be Unauthorized/Fraudulent. 

XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 XXXX XXXX NA - XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX - XX/XX/20 XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 I have contacted these creditors to inform them of the issue. I was to to dispute them directly to Transunion and they will agree to remove it on good faith. 
I am requesting Transunion remove the Inquiries listed.
Consumer complaint received 2020-09-10
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. (FL)

I've disputed this account because it is incorrectly reporting on my EQUIFAX credit report. 

I've attached the screenshot of my report I paid for today XX/XX/2020. You'll see that on XXXX it is " Exceptionally payment history ''. I've never missed a payment
Consumer complaint received 2020-09-10
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. (TX)

If you find that any of the accounts in this dispute are deemed frivilious or previously investigated as your letter to me on XX/XX/20 states please advise me as to HOW, and to WHOM you verified this information with, as I have my own contacts for these creditors and will verify that you did in fact send them a request for investigation. 

XXXX XXXX # XXXX. The date opened incorrect, correct it or delete this account. 
The account history is incorrect, correct it or delete this account.The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX. The address ID # is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX # XXXX. The date opened incorrect, correct it or delete this account. The address ID # is incorrect, correct or delete this account. 
The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX The date opened incorrect, correct it or delete this account. 
The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. Terms is incorrect, correct it or delete it. 
XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The address ID # is incorrect, correct or delete this account. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc. (TX)

XX/XX/2020 XXXX XXXX I received a call from XXXX. 
The lady calling asked to speak with " XXXX '', but she asked in a form of a question, like just expecting for me to answer " yes '' ( sounded like she just wanted me to say " yes '' like a scam ). 
I didn't say " yes '' but I did let her know I was XXXX and asked her let me know what the collection was about. She would not say, but she still wanted me to say " yes ''. Her question and wording sounded tricky really insisting that I said " yes ''. 
I do not have any pending debt collectors so this is probably a scam. I told her not to call again and she just said ok.
Consumer complaint received 2022-07-13
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$720.00}
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (AR)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquiry Date XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX AV XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automotive Leasing Specialists, L.L.C. (LA)

This collection appeared on my credit report a few months ago. I immediately contacted the original biller, because I havent heard anything about this debt or received any bills since my last contact with them in 2020. I received a bill from the hospital for {$90.00} ( my XXXXXXXX XXXX  plan copay ) a month or so after my initial visit. I contacted them and told them that they failed to file XXXX, which is my secondary insurance. It covers the copayments and deductibles from my XXXX plan. They told me that they would file the claim, and I never received another bill from them. 

I still have not received a bill from this collection agency, but the collection account appeared on my credit report a few months ago. As I stated previously, I immediately contacted the original provider. They told me to contact the collection agency, so I did. The collection agency did the same thing! They told me to contact the original provider, and that filing claims wasnt their problem. When I contacted the hospital AGAIN, they told me they couldnt file claims or accept payment once an account is sent to collections. That the collection agency could, in fact, file the insurance claim. 

I contacted the agency again and told them all the information for my XXXX to file a claim. They again failed to file the claim, and they also refuse to remove it from my credit report. 

This has caused me serious financial difficulties! My credit was fairly good before this collection dropped my score XXXX points! Im fairly certain that this agency is trying to force me to pay them out of pocket, because they dont want to accept a lesser amount from XXXX. Im very sorry that our government-backed insurance doesnt pay what providers WANT to be paid, but there is a REASON that I get government assistance! Im XXXX, and now Im even more XXXX due to interest rate hikes after this false collection dropped my credit score! 

Im fairly certain that their tactics violate not only collection practices, but also my rights under the ACA and the Fair Credit Reporting Act! They have even contacted some of my family members that I dont even talk to!! But they dont want to talk to me about filing an insurance claim that would settle my account when I call them!!
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NY)

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  XXXX
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX 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
Consumer complaint received 2022-07-13
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. (PA)

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
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have violates my rights numerous of times. 15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I made a payment towards my credit card bill and it did not go through. The company advised that they saw the payment come out of the bank but that it was rejected. I was never notified of the rejection and gave me a late payment. I cant get a mortgage because of this late payments and the company will not help me in this unfair situation.
Consumer complaint received 2022-07-13
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. (AR)

I submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

Received first bill in XXXX for BJ 's Mastercard new account. Lost the bill, forgot to pay it. Got my second bill in XXXX with interest because of the XXXX bill I missed. Paid the balance in full. Received XXXX 's bill with interest added. Called the CC company figuring it was a mistake, but they said it was more interest from XXXX. I said that bill was paid in full, but they refused to remove it so I paid it and canceled the card. What can you do to make this right?
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!