davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I want to close my Citi Advantage Business Credit Card XXXX XXXX XXXX XXXX. However, prior to closing this account I would like to request the existing credit line of {$11000.00} to be transferred over to my Citi Advantage Executive Credit Card ( XXXX XXXX ), making the Cit Advantage Executive Credit Card Credit line total {$16000.00}.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX XXXX BOD : XX/XX/1978 SECURITY FREEZE
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (GA)

Inquires on my account that I am not familiar with : 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 2024-01-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have received numerous phone calls and letters alleging that I owe a balance of {$1300.00} to a XXXX XXXX  for an account that was supposed to have been opened on XXXX XXXX This is the information reflected on my credit report. It is being collected by Midland Credit Management. I have stated many times to this company that I do not know who XXXX XXXX. I have lived at my current address since XXXX XXXX XXXX and have not opened any knew accounts anywhere other than my car loan and XXXX XXXX XXXX accounts, which are all in good standing, since moving here. They still have not been able to tell me any details of what type of account this is or provided any type of validating information to my. 

Additionally, I have searched the XXXX  website and found that while this company holds numerous licenses in many states, it does not appear to hold a debt collectors license for the state of California. It does have a branch located in XXXX XXXX, Ca but the license it holds for that branch is a XXXX XXXX XXXX XXXX XXXX XXXX. I may have missed something but from what I have read that does not give them authority to attempt to collect any debts in this state. I feel that is an issue that should be properly investigated.

Never the less, as I have stated, I have not opened any type of accounts other than those i have disclosed and because this company has refuses to provide me with any validating information and only provided multiple threatening statements and continued to harass me, I feel that that should remove this entry from my credit report based on these facts alone. The additional information that I have provided should also be taken into account when determining whether or not they have authority to report to the credit bureaus.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

So, initially, I sent a certified mail letter to Capital One on XX/XX/XXXX, requesting that they forward me a copy of the 1099-C that they filed when they charged the debt off with the IRS. The amount listed is {$620.00} Capital One received this Certified mail letter, signed, dated, and returned on XX/XX/XXXX. 

On XX/XX/XXXX, I made my second attempt to fix this issue with the company by sending via Certified Mail, another letter that includes a notice and detailed description of the inaccurate reporting that Capital One is allowing to happen. 

Under the United States Code, 15 U.S. Code 1681s2 says, Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) 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. 

Duty - a moral or legal obligation ; a responsibility. 
Accurate - correct in all details ; exact. 
Prohibition - a law or regulation forbidding something. 

As defined by The IRS : Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition, the IRS clearly says a Canceled or Charge Off is income. The reporting of this account as a debt is inaccurate. 

The above information is only part of the unresolved letter ( second attempt ) that I sent to Capital One. 

Due to the nature that Capital One has failed to send me a copy of the 1099-C in a timely manner. I had decided to offer them TEN ( 10 ) more DAYS to DELETE the account as well as send the 1099-C that Capital One charged off with the IRS. 

Those ten days have passed and still, no documentation has been sent to my abode. It us clear that I have been more than willing and generous to try and solve this issue between the company and myself ( the consumer ). 

I hope that this message receives you well.
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (NY)

I enrolled in an Experian membership and I would like to cancel. I did not pay a month and have to pay again in order to cancel. This is absolutely stupid and absurd. I need not pay for the " privilege '' to cancel a membership. XXXX Experian.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent a certified letter # XXXX on XX/XX/2023 to requested a reinvestigation and verifiable evidence documents of these inaccurate accounts on my credit report. I never received a formal response and Experian is in violation of the Fair Credit Reporting Act, Defamation of Character, Negligent Enablement for Identity Fraud. 

These account must be deleted immediately. MUST PROVIDE PROVE THAT THIS ACCOUNTS BELONGS TO ME AND UNDER MY LEGAL NAME AT SHOWED IN MY SECURITY CARD ISSUED BY UNITED STATES OF AMERICA. 
XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX  ACCOUNT XXXX DELETE INACCURATE BANKRUPTCY PUBLIC RECORD ACCOUNT XXXX DELETE - XXXX XXXX XXXX  ACCOUNT XXXX DELETE XXXX XXXX  ACCOUNT : XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgence Legal Group, PC (IL)

on XXXX XX/XX/XXXX case # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX defendant dismissed without prejudice, they did not show to court date, and now they have a petition to revive judgment, on XX/XX/XXXX received a letter by mail, that i need to request a hearing by XX/XX/XXXX, that day I send by fax # XXXX XXXX XXXX to resurgence legal group a letter requesting about this credit card, no answer from them, now they arethey send a citation to discover assets to third party ( wages ) to my ex employer and me.they arent been clear and fair with their procedures, they are causing me emotinial distress, can't sleep and eat,,
Consumer complaint received 2024-01-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-06
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. (UT)

I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. 

I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

* ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. 

Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. 
* XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. 104 % credit utilization. 
I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. 

I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. 

If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. 

If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Consumer complaint received 2024-01-06
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. (CA)

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2022-11-25
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. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$4200.00} ; US DEPT ED XXXX Balance : {$17000.00} ; US DEPT ED XXXX XXXX : {$9400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXXXXXX XXXX XXXXXXXX and Navy Federal Credit Union were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX is reporting on my credit file that Im behind on payments for the loan of my previous RV. I sold the RV back in XXXX of XXXX. They have received payment from the buyer and yet they are still reporting it open and that Im behind two months. It is destroying my credit score. They still have not closed the account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 15 USC 1681i ( 7 ). 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 2024-01-08
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: Experian Information Solutions Inc. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-01-09
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)

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CO)

I was placed on administrative forbearance after applying for the Biden administration 's new SAVE plan. While I can understand this needing to happen for a month or two, it has been going on since XXXX. It's XXXX now. I'm being charged interest despite being approved for the SAVE IDR MONTHS AGO. I never once consented to being placed on forbearance and had provided all necessary information for the application, but it seems Aidvantage is more interested in keeping me in forbearance so they can charge me as much interest as possible. I don't know what else could cause such a lengthy delay.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

in accordance with the Fair Credit Reporting Act NAVY FEDERAL CR UNION Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 860 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IL)

100 % fraud Use my wife to send money different account number such as XXXX XXXX  to and fraudulent mark easy to withdraw without see direct deposit we received after the account is XXXX balance or short before pay Phone service XXXX This hang up phone very rude behavior. Talk like unprofessional customer service Want them alll my money back All the transactions related XXXX XXXX XXXX XXXX transfer All need my money back
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.