davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-27
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)

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed Experian, XXXX and XXXX consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXXXXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-03-26
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. (DE)

XXXX XXXX is reporting a late payment on my credit report a late payment on my credit report. Please update this late payment to paid on time and or Ok in the payment status on XX/XX/year>.
Consumer complaint received 2023-12-15
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. (VA)

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 2023-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc. (OH)

Revolut closed my account because of what I believe was cash looping. However, I never used a credit card to top up my account, only debit cards. According to their website : https : XXXX XXXX looping only involves topping up with credit, not debit cards. Therefore, I believe my account was wrongfully closed. I have contacted the company, but they have not responded to me yet.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (NV)

On XX/XX/, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in XXXX XXXX XXXX, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, 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. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

A former rental property is claiming I owe {$2800.00} for not giving a move out notice. 

I provided a series of emails to them proving I did give them the notice I would be vacating the unit due to my lease ending and that I was interested in transferring to a bigger unit. The emails indicate the office management received the email and replied, stating there was nothing else I had to do at that point and my transfer to the new unit was posted. 

I sent these emails to the rental property manager, as proof, on XX/XX/2023 without any reply from the rental property. I followed up with emails and phone calls to which several different staff members stated over the phone they would get back to me and I have yet to hear back from them either by phone or by email. 

I contacted the debt collector company to let them know this information to which they stated I should pay it since it is accumulating 6 % interests every month and it is posted to my credit report. 

I have reached a dead end with the rental property who refuses to acknowledge my notice to move out was given and it was accepted by the management company. As far as the debt collectors, they insist on collecting the money regardless of this information.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im writing in regards to a loan that is attached to my consumer reports named XXXX XXXX  and a Credit card named XXXX XXXX. I have no knowledge of the accounts written along with multiple enquirers on my report. My identity was stolen in the XXXX hack and my document will be attached to this complaint, Thanks
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CO)

In late XX/XX/2023, I discovered two adverse medical accounts in my name, which were sent to XXXX XXXX XXXX XXXX, a debt collection agency. Shortly after, I found out that four other companies also had these adverse medical accounts. These companies are : # XXXX : XXXX XXXX XXXX, # XXXX : XXXX XXXX XXXX, # XXXX : XXXX XXXX, # XXXX : Phoenix Financial Services. 

I have conducted my own investigation and am certain that these two medical accounts are not mine ; they are the result of fraud medical identity theft. 

I believe that all five of the aforementioned companies should be held accountable for this. XXXX XXXX  XXXX XXXX is demanding that I pay these two bills, and Phoenix Financial Services is doing the same. They continue to send me letters and make phone calls demanding this money. The individuals I have spoken to have been very rude and have consistently pressured me to pay. They have also attempted to offer me a " settlement offer ''.
Consumer complaint received 2024-03-27
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BMO Bank, N.A. (CA)

Company response has been non-responsive. Pretending no errors were made and covering up their culpability. Banks must not be allowed to quit all their service obligations and subsequently double-charge annual service fees as their tithing rights over hapless consumers. Banks and lenders must be required to provide accurate monthly statements, reverse obvious errors and dis-allowed from padding loan principal amounts from mysterious fund sources ( not ours ) to game up the daily interest accrual. They absolutely can not be allowed to charge two annual fees the same year. That violates the written loan agreement and appears to be a criminal act.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This bank and company doesnt want me as a customer or to have be approved for a credit card Ive applied countless times and have always been denied being told they cant verify me I recently applied for a secured credit card they gave me a hard time to verify me and my information I have a fraud alert on my credit report which they have to speak to me to have it cleared they refused to do so and said XXXX XXXX this is very rude and not how I should be treated when coming to apply for a secured card
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Last XXXX I booked a first class flight through American Express Travel. This was an XXXX XXXX flight from XXXX  to XXXX  XXXX from XX/XX/XXXX through XX/XX/XXXX for a value of {$1000.00}. I unfortunately was injured and was in the hospital for an entire month and was still too unhealthy to travel at the time of the flight and cancelled the flight fir a credit. This XXXX, the flight was set to expire and I was still unable to fly. Per the advice of American Express, I got XXXX XXXX XXXX and submitted to XXXX XXXX for either an extension or refund. I called American Express for status and a voicemail was left on my phone that I would receive a refund ( attached ). This refund never came through and after XXXX weeks of review, American Express denied the claim. I did not use the credit because the voicemail advised that I was to receive a refund and lost the money.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

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 2023-09-19
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-02
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2024-03-27
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. (PA)

I had previously sent a notice to remove some accounts on my consumer reports due to identity theft as I did NOT consent for it to be reported. However, I noticed that it is still being reported and one of the accounts has a very clear inaccuracy as it has 2 different account numbers and another has different account types, different payment status, and different date of last activity. Please see attached exhibit. These accounts are not related to any transactions made by me, XXXX XXXX XXXX, the consumer. According to 15 U.S. Code 1681c-2 this is my statement that all of the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft and must be removed. Please delete these unauthorized accounts or your agency with be in violation of 15 USC 1681c-2 which states that any information that the consumer identifies as the result of an alleged identity theft shall be deleted within 4 days of receiving an identity theft report. 


This has now become aggravated identity theft as I did NOT consent and asked you to remove this information multiple times before. In refence to the listed accounts on the attached letter, pursuant to the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization to report the referenced accounts that I, the consumer, may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (SC)

AMEX put a debit on my personal AMEX card on XX/XX/XXXX for {$1000.00}. According to AMEX this was for a balance transfer of {$1000.00} to another of my AMEX accounts. This was totally incorrect. The credit balance was transferred to another of my accounts but it had nothing to do with this account. I had a negative balance on another account which was transferred properly ; however, it had NOTHING to do with this account. In addition, after my 5th phone call about this issue to AMEX, a supervisor ( who was supposed to be firing my problem ) actually put a 2nd debit on my card for $ XXXX on XX/XX/XXXX. Therefore, now AMEX owes my $ XXXX now instead of just $ XXXX.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2024 at XXXX XXXX XXXX I tried to transfer money via Bank of America XXXX payment app to XXXX XXXX XXXX XXXX  for {$1000.00} ( Conf # XXXX ). By mistake It went to another person because the cell number I typed in was wrong by one digit. 

Bank of America unable to credit it back or help from their end saying that everything was done correctly at their end. Eventhough the name I typed in was not used by the bank to verify the name of the account where the money went to, bank unable to provide any info on the person who actually received the money. 

I feel like Bank of America 's XXXX app service not providing enough information for user to verify before secure transfer on their website. It is not providing any security or assistance for any software related issues resulting in correct transfer of money.
Consumer complaint received 2023-08-28
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. (GA)

XXXX XXXX XXXX is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 XXXX XXXX accounts.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX. IN COMPLAINT # XXXX. XXXX XXXX XXXX. states that this account has been in collection. I have never given XXXX XXXX XXXX XXXX. any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX ). I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a collection, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. '' XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe XXXX XXXX XXXX ANYTHING I have reason to believe that XXXX XXXX XXXX choosing to share this non-public negative information to my consumer report with forethought and malice as attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. ACCOUNT # XXXX with the XXXX amount of {$680.00}
Consumer complaint received 2024-05-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$42000.00}, XXXX XXXX XXXX : {$10000.00}