davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/year>, I sent a debt validation request letter via certified mail at XXXX am to Midland Credit Management. Despite allowing ample time for a response, I never received any validation of the debt from the company. 

As the calls continued unabated, I then sent a cease and desist letter, also via certified mail, which was delivered at XXXX am on XX/XX/year>. Despite receiving this letter, Midland Credit Management has continued to call me non-stop, blatantly ignoring my cease and desist request. 

Below is a record of the calls I received from Midland Credit Management : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : XXXX calls at XXXX am and XXXX am from XXXX I am filing this complaint because Midland Credit Management has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) by not validating the debt upon request and by continuing to contact me after a lawful cease and desist notice was sent. I seek immediate action to stop these calls and to address the company 's non-compliance with federal law.
Consumer complaint received 2024-05-14
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in XXXX XXXX XXXX ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$2800.00}
Consumer complaint received 2024-08-26
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. (FL)

I've recently requested a copy of my report and noticed there has been some fraudulent accounts reporting on there. My identity was stolen about XXXX years ago. As of now, I am still not aware of the suspect that Is responsible for such criminal act in my name. There's Different accounts review the attached documents below for more information.
Consumer complaint received 2024-05-14
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. (OH)

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.

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 2024-05-14
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. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-14
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-14
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. (AZ)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (NJ)

i do not give westlake financial permission to report of my consumer report, also, I have request all discoveries concerning this account to verify the reporting as being correct and true. I only remember making all payments on time and never being late. I disagree with the payments history and repossission statement on the account. delete the account from my consumer report.
Consumer complaint received 2024-05-14
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. (GA)

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 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  I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-29
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours sincerely, _____________________________________ XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-14
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( XXXX ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT XXXX ( XXXX in XXXX report will be Exhibit XXXX ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate AND XXXX XXXX XXXX XXXX REPORT please delete. THE SAME ACCOUNT REPORTING XXXX ON CREDIT REPORT please delete XXXX. XXXX XXXX  # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX inaccurate please delete XXXX. XXXX XXXX XXXXXXXX inaccurate please delete XXXX. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXXXXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXX Same Account please delete
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

I made a transfer through Sigue corps app and after a few failed attempts to get my money transfered one request went through but by that time i already made a transfer with another company so i cancelled sigues transaction and ever since then i have not received any money nor have the responded to my multiple calls and requests i sent {$170.00} XXXX  in early XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (MN)

I took out a loan for XXXX XXXX, XXXX. They requirement an automatic withdrawal from my bank debt card. I paid XXXX for 12 months totaling {$4000.00}. I finally showed to my family and was informed this is illegal lending in Minnesota. My balance on XX/XX/XXXX was {$2200.00}. 
My family paid the loan off and I will have to pay them back. In summary this {$2000.00} loan will cost me a total of {$6200.00}. This has caused a financial hardship for me and I would like your assistance with trying to get some of this interest money back. 
Money Key. 

Money key telephone number XXXX
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (CT)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I enrolled in an offer of XXXX XXXX cash back for purchases from XXXX, with my citi double cash credit card. I enrolled the offer on XX/XX/XXXX. The offer expires on XX/XX/XXXX. 

I made a purchase on XXXX using the card I enrolled. The cash back has not posted yet until today. However the offer changed to XXXX XXXX without any notification. 

I reached out to citi bank. Their response is that the offer has been XXXX XXXX  the whole time. It was never XXXX XXXX 

I have screen shots of the offer when I enrolled. It clearly states XXXX XXXX. Citi bank is lying about their advertised offers for their credit card products. 

My whole purchase is about {$4600.00} so I will be missing about {$90.00} for the false advertisement.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

I deposited my virtual currency ( XXXX ) at interest in the company blockchain.com in the amount of {$13000.00}, it was at the end of XX/XX/2023. A few days later they blocked my money under the pretext that they tried to hack my account. They asked a couple of questions and went silent. After that, I did not receive any explanation from them and an attempt to return my money to me. Half a year has passed and I have not received any letter from them on my issue. What should I do? I am already desperate! For me, this is a significant amount!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - - XXXX, AMEX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (NY)

on XXXX it shows on my credit report with XXXX that AMEX did a hard credit check. I did not authorize this and AMEX stated to me on the phone that they did not pull my credit report. They have no record of my social security number. They have no record of my name and AMEX stated to me they did not do a hard inquiry on my credit report. My question is why is there a hard inquiry then on my credit report from AMEX on XXXX? Am I possibly a victim of identity theft and did someone else try applying for a credit card in my name? I would like to have the hard inquiry removed from my credit report with XXXX.