davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PCR Group (IN)

XXXX XXXX XXXX XXXX XXXX fraudulently reported a collections claim of {$3600.00} to my credit. Their collection team, ACCOUNT ADJUSTMENT BUREA, contacted my ex and myself a month ago, threatening legal action and I explained that the case was closed on their behalf. They asked what my source was and I told them it was https : //public.courts.in.gov/mycase. When I read the case to her over the phone and mentioned dismissed with no prejudice and {$0.00} balance, she proceeded to hang up. Then today I saw it hit my credit report and I called the same number back, same lady answered, and told me that since you refused to provide proof, I pursued further action. I asked if I could get her name and she refused. She placed me on hold to contact corporate and hung up. She called right back and I asked why shed moved forward, knowing it was closed on their behalf, and she hung up again. I suffer with anxiety and cognitive disorders and this is too much. My ex was about to buy a house and now her credit is negatively impacted. My credit has grown the last two years and is also now effected. This is causing a lot of problems and hitting us both during a very tough time. Id surmise this is very illegal, given my source is a public government website. I would like to know what to do and how to fix it.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.
Consumer complaint received 2021-07-18
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. (FL)

Since XX/XX/2017, all bureaus to include XXXX, XXXX, Transunion as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Consumer complaint received 2021-07-18
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. (FL)

Since XX/XX/2017, all bureaus to include Experian, XXXX, XXXX as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately.

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

XXXX failed to delete a delinquent account that had been resolved with the CFPB. 
Synchrony Bank informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to XXXX.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

This account was open XX/XX/XXXX of XXXX the car was voluntarily repossessed in XXXX of XXXX due to failed transmission issues this company didn't provide me any documentations per I requested for this account # XXXX the company is constantly reporting back to my credit report as a repo starting XXXX XXXX this is inaccurate information please take a look over this account the car was sold at the auction ive also requested information for that still no response now the company is reporting a balance of {$27000.00} with a original balance of {$22000.00} the account has been closed since the repo.
Consumer complaint received 2021-07-19
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. (CA)

Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

After given several cease and desist notices still sending several written communications. Even attempting to have XXXX XXXX XXXX harass consumer. Refusing to comply with consumers request to cease and desist.
Consumer complaint received 2021-07-18
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. (MA)

Trans-union failed to delete a delinquent account that had been resolved with the CFPB. 
XXXX XXXX  informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to Trans-union.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Someone calls in my credit card and reports a fraudulent claim it gets cleared up then my credit card gets cancelled and I have to wait a week to get another one. Each time a XXXX speaking person with an accent handles the complaint. I have requested XXXX  speaking Americans which are not assigned to assist me. 
I have reason to believe that the perpetrator is XXXX XXXX XXXX XXXX married name now divorced )
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (VA)

I will try to describe the issue as best as I can. 

This issue has two issues within it. I had a Binance.com account since about XXXX I believe. Within the Binance account I owned several shares of the coin 'XXXX  ' ( the value was between $ XXXX {$1400.00} at the time ). A couple of month 's ago, Binance.com gave a warning that US citizens were soon going to not be able to access Binance.com and were warned to transfer our crypto currencies out of our account. After receiving the warning, I created a Binance.com/us account and attempted to withdrawal and transfer my 'XXXX ' shares to the Binance.com/us account. I attempted many times and failed. Binance.com/us did not have a URL to transfer to the account. Therefore I was unable to transfer my XXXX money from Binance.com to Binance.com/us. I also attempted to withdrawal/ sell my shares to deposit into my bank account, however, because I was a US citizen I was restricted from making that kind of transaction. At the time I was not aware that there might have been another way to transfer the XXXX to different 'wallet '. After reading XXXX, I learned that I was not the only person that had the same issue. I was advised to get a crypto wallet of some sort and transfer the money that way. By then, it was too late. 

I attempted several times to Binance.com 's contact customer service via online chat on XX/XX/XXXX because that seemed to be the only way, and I did not receive any help with the issue. I did not have any questions properly answered. The only thing I recall them saying to me was that US citizens are not able to access their Binance.com account anymore. When I put in my last support ticket, they also never got back with me on this issue. 

I was going to attach the e-mail chat 's to this, however, when I went to the e-mail 's of the chat, I click on the chat and it is no longer there. I'm not sure what other information I should submit to you all. I can provide my credentials at some point. I'm not really sure what to do and was directed to contact consumer finance for help.

What I need is my money from my Binance.com account where I own XXXX returned to me or to a safe place that I have access to at any time. Thank you so much in advance for any help with this issue. 

Kind Regards, XXXX
Consumer complaint received 2021-07-18
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. (MN)

Part of my identity was stolen. I never opened the account below. It does not even link with my XXXX XXXX account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

Everytime i request and equifax credit report or credit score there is and error messege telling me to call them but everytime i speak with them i get the samething which i have to verifiy who i am but when i verify my self I still can get no credit report or see my disputes.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SYNCHRONY FINANCIAL (MN)

Trying to pay my PayPal account from my phone and I have spent 30 minutes finding my credit balance without success. Tried every path multiple times. First they switch to paperless. Then they solicit me to enroll in debit. Then they force me to download app which did not work. I am trying to pay them. Took screen shots and cant find PayPal Credit and after that should find Make a Payment. Not to someone else but to the merchant.
Consumer complaint received 2021-07-18
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. (MI)

My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I had disputed 3 transactions that the merchant advised me to dispute with the bank. Bank advised they were issuing credit. Never r ceived. Then they charged me a XXXX dollar fee for using a different atm. I would like my money back as well as my credits for Charges for items I never received. Every rep gave me misleading information and I would like this fixed
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WI)

Some of these dates may be off by a few days because I didn't keep exact records. I've never had a credit card company not resolve a clear fraud charge. 

Around XX/XX/2021, I was alerted about a potential fraudulent charge on my card. I checked my account and saw that unknown charge, as well as a few others. I called Barclays to report the fraud. These were unknown charges to unknown merchants. I had not made them. I had no knowledge of them. Within these charges, there was one for {$920.00} made on XX/XX/2021 to XXXX XXXX. I reported all of the charges as fraudulent. Barclays issued me a new card and said they would investigate. 

Within a week or two, I received a letter saying the investigation was complete and all the charges had been removed. When I checked my account, all the charges except the one for {$920.00} were removed. I called Barclays to inquire and they stated the charge for {$920.00} was never flagged as fraudulent. I asked them to flag it again.

A week or two after that, I checked my account and the charge was still not removed. I called Barclays again and the representative told me the charge for {$920.00} was not flagged as fraudulent. She directed me to the investigations team. 

I called the investigations team which said they would flag the charge as fraudulent and investigate it. Within a couple days, the charge was removed. 

On XX/XX/2021, I received a letter stating that the charge for {$920.00} was valid. The charge was added back to my account. It did not give any reasoning or evidence. I have currently been on hold for over an hour trying to talk to someone. In addition to this complaint, I am sending a certified letter to ask for investigation results and reporting Barclays to the FTC.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. XXXX XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-19
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. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-07-19
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. (MD)

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RS Clark and Associates, Inc. (TX)

I sent a debt validation letter to RS Clark and Associates Inc., on XX/XX/2021 and the company failed to validate debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AZ)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-18
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. (TX)

I have contacted this company regarding the deletion of several items on my credit report. They refuse to delete them even tho I have offered to give them proof that the creditors themselves said the debts need to be deleted. Equifax actually has deleted these items before and then placed them back on my credit report.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I have contacted Synchrony Bank ( Amazon Store Card ) department and informed them that I have since settled the account with their third party debt collector XXXX XXXX XXXX XXXX Synchrony refused to take the paid receipt attached to this complaint and has yet to remove/update the account accordingly.