davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (TX)

My numerous efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in significant emotional and financial strain. As an identity theft victim, I am considering legal action if this issue is not properly resolved. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs, severely impacting my financial stability. For your reference, I have included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-11
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. (GA)

I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called experian today ( XX/XX/year> ). I dialed ( XXXX ) XXXX. I spoke to a female XXXX agent by the name of XXXX on or around XXXXXXXX XXXX  XXXX. After her introduction, the call went silent. I kept saying " hello? Agent are you there? Hello? '' And there was no response. This is known as call-avoidance. This is inappropriate and unacceptable. In addition, dropped phone calls from Experian 's side has happened on innumerable occasions. It has become a pattern and practice. If this does not stop, I will retain a class action attorney and my OAG, and file a multi-district class action lawsuit against experian. We will pursue any and all criminal and civil penalties. Moreover, I have the phone call recorded as evidence.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I have been a victim of identity theft and my identity has been compromised as a result of this I can not move forward financially in using my credit. I am trying to move and put my family into a place where we can live and as a result of these negative items being on my credit report that are not mine I can not. Please assist me in removing these items off my credit report please. I have attached an FTC report to prove that these items are not mine. I have already reached out to the credit bureaus and original creditors please help me.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD Inquired on XX/XX/year> Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Affirm Holdings, Inc (NY)

My name is XXXX XXXX, I live in XXXX XXXX. I lived in XXXX, and XXXX prior. I've been trying to open an affirm account for the last few months and their is a XXXX account attached to my phone number. I've tried to reset this and change this on my end and no success. I've been calling affirm and asking for help on this and they have not helped me at all. I've never had an affirm account before and never signed up, so I was a little surprised when I saw my number was attached to a XXXX email address.I have never had a XXXX account. I've called affirm and they have stated they will escalate and call me back and no one ever calls me back. This is getting extremely frustrating as this is a service Ive been wanting to use and no one has been able to help me.
Consumer complaint received 2024-07-12
Product: Credit 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: DISCOVER BANK (OK)

About a month ago we got a bill from Discover for XXXX which included XXXX in their fees and XXXX interest charges. We havent had a Discover card for many YEARS and this is the first bill we have received in YEARS? We are retired and figure they are trying to scam us. They want a total of XXXX dollars. We got a letter from someone claiming to be a collection agency. They say we now owe XXXX dollars a month later. We would have no problem paying this money but Im betting its a scam. They want a call or a letter. I am worried about contacting them in any way for fear they will figure out how to tap into one of our accounts. The debt company said they were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. WE HAVE NOT USED A DISCOVER CARD IN MANY YEARS AND WE JUST NOW GET OUR FIRST BILL??? I smell a rat and hope you can help. Please let me know as my next step is to contact my lawyer and he will likely end up a lot more expensive than just paying these probable crooks. But this kind of XXXX needs to be fought to protect the XXXX in this country.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/year>, my business enhanced checking account was closed with a balance. As of XX/XX/year>, I have yet to receive my account balance, in the form of a check, to either my physical address or my po box .

Per the website, if any checking account is closed with a balance, the balance will either be transferred to an external linked account, or mailed to the address on file. 

I have sent a certified letter asking them to send my money to either address on file, or I will file a complaint. My request has gone ignored.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc (LA)

I asked TransFinancial to give me information on the debt. 
I have XXXX XXXX insurance They have never informed me that I owe {$1800.00} I do not know what is about or how could I owe this amount with insurance The insurance is with my husband 's job and insurance was in his name If I knew what this debt was about, I can probably dispute it with the hospital I was hospitalized on XX/XX/year> when my son died but how do I know this is the same bill for the services rendered to me for my XXXX ( doctors called it XXXX XXXX syndrome ) I stayed overnight but without this company telling me it's for that episode, I have no way of knowing
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (SC)

My Indigo credit card is set to Auto Pay. I checked it 3 times this month just to make sure I didn't need to worry about it while I was on vacation. I checked my bank account and noticed that the minimum payment was not pulled from my account on its due date which is today XX/XX/24. I then logged onto my account and yet again verified my account is set to autopsy. Despite being selected, my XXXX account info and minimum payment is set. This company did not take the funds out and when I did go to try and pay it, made available date post dated for tmrw. I believe this company is purposely not posting auto pays to charge fees to their customers. I tried three times to call and never got a hold of a human, despite sitting on hold for XXXX mins each time. I will be paying off this card and closing the account but I think they are doing this with intent and maliciously attempting to rack up fees against consumers.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I accidentally refunded a payment which was sent to my cash App. I asked the individual to please send me the XXXX they sent me back and they denied receiving or even sending the XXXX even after I had screenshots of all of the transactions. I then contacted cash app support and they refuse to resolve this matter or even let me speak with a supervisor. Also now they refund every payment I try to send anyone for my protection!! This is so not right and there is no one to hold them accountable for security etc.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (SC)

I've mailed in these documents previously and recieved a response saying that these accounts were verified. I didn't asked for verification. I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Consumer complaint received 2024-07-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (PA)

My name is XXXX XXXX and the last four of my Social Security Number is XXXX and my XXXX is XX/XX/scrub>XXXX This account is listed as a charge-off on my credit reports. If this accout is indeed a charge-off, then why did I not received a copy of a 1099-C from you? You received a tax write off and I should not have this debt reported on my credit profile. Send me any forms showing you still have the right to report this on my credit profile and if you can not do that removed this debt from my credit profile immediately. I am a litigious consumer and will not hesistate to bring a small claims lawsuit for violations of the federal Credit Reporting Act and also breaking the law by not sending me a 1099-C for this charged off debt. The IRS clearly states " If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay.In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. After a debt is canceled, the creditor must send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. ''
Consumer complaint received 2024-05-22
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. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OK)

I've got bad debts out there, but they are mostly expired for credit reporting. 
The problem is that they reset the date of the debt which extends the length it can stay on my credit. 
They list themselves as the original creditors even though I never signed anything with them. 
I did attempt to dispute it for those reasons with XXXX but that was rejected. 

I have no idea which accounts go to what old debt because they are listed as original creditors and they do not list what the debt was for. Without knowing what debt it is I can't gather any evidence from the true original creditors and dispute it properly. 

This tactic negatively impacted my family because incorrect reporting leave me unable to buy a car and I need a car. 
The company is lvnv funding llc
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (SC)

Complain against XXXX XXXX XXXX and I request to opt out from XXXX XXXX XXXX they are making it difficult even after providing name, address and social security number as all other forms i submitted to other companies they should simplify the process and remove my information Additionally, ARS Advanced Resolutions Services , Inc should provide an online application option to avoid making it more difficult and costly for us. Please cease all my information form any secondary credit bureau for my husband and i to prevent solicitation and identity theft this is my privacy right and i should not jump thorough hoops to request something we didnt consent to. 
Thank you
Consumer complaint received 2024-07-07
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)

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 # 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 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 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.