davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
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. (GA)

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 Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 2018-03-06
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. (IL)

This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with XXXX, Experian and 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. (PA)

TransUnion, I have carefully examined a recent copy of my credit report from your agency, and I am writing to bring to your attention several errors and inaccuracies that I have identified. These incorrect entries are negatively impacting my ability to obtain new lines of credit. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ). This provision states that when preparing a consumer report, a consumer reporting agency must use " reasonable procedures to ensure maximum possible accuracy '' of the information contained therein. Unfortunately, it appears that your agency has failed to uphold this standard with respect to my credit report. 

I believe that these entries contain inaccuracies and require immediate correction. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX In accordance with FCRA regulations, I kindly request that you investigate these matters and make any necessary adjustments to my credit report without delay. If you determine that any of the above-mentioned entries do indeed contain errors, please delete them promptly. 

Furthermore, I would appreciate receiving written confirmation once all corrections have been made. Please provide me with an updated version of my credit report free of charge within five business days after completing your investigation. 

Thank you for addressing my concerns regarding the accuracy of my credit report. Should you need additional information from me during your investigation, please feel free to contact me at your earliest convenience. 


Truly yours, XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

Hello, I have been an AMERICAN EXPRESS card holder for many years. Recently, I received with appointment my statement showing an annual fee. I have other credit cards with no annual fees and same benefits so i decided to close the gold XXXX  credit card ending on XXXX. AMEX stated that the fee is for the 2024 year, and they wanted it cancel by XXXX XXXX. I cancel it as soon as i could on XX/XX/XXXX, i had XXXX balance. upon closing the account, AMEX refused to refund the annual fee for YEAR 2024 ( {$99.00} ) not only that, but they intent to charge me late fees and interest fees for a fee unfairly charge to my account. AMEX is threatened to RUIN MY CREDIT SCORE IF I DON'T PAY THEIR FEES.

AMEX is charging {$99.00} to clients who cancel the card regardless. They don't believe in prorating the annual fee or so.

AMEX unethically charge me an annual fee but I had canceled the card and will not use it in 2024!! 
Don't charge customers for something they don't use.
Consumer complaint received 2024-01-17
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)

I paid {$1000.00} on XX/XX/XXXX. {$830.00} was put towards one debt for XXXX villa apartments and was paid in full. The remaining payment of {$160.00} was added towards a remaining balance for another debt at XXXX apartments. I then called back the same day and asked to just pay the remaining balance owed in full. The gentleman then told me the remaining total was {$140.00} with 10 % off original balance of {$510.00}. I didn't question it, as I requested to pay the remaining amount. He then told me that my account was closed and paid in full and that he would email me a receipt. I also received a confirmation number for payment. 

Today, XX/XX/XXXX I checked my credit report and saw I had a remaining balance for {$270.00} for Genesis Management. I then called Genesis and asked why I had a balance of {$270.00} when I was told my account was paid in full and closed. They then stated to tell me they made an error and needed to collect {$270.00}. I do not believe that is fair, I called to pay the full amount and was given the amount of {$140.00} as the remaining balance. They are refusing to close my account until I pay the {$270.00} and will not allow me to speak to a manager.
Consumer complaint received 2024-04-18
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. (FL)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the correspondence you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the details you mention in your letter does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.
Consumer complaint received 2024-04-18
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. (IL)

Upon reviewing my credit report I have noticed numerous inaccuracies regarding late payments and negative items on XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXXI would like all late payments with discrepancies to be deleted from my consumer report as well as all negative closed accounts. 

XXXX15 U.S.C 1681E ( Compliance Procedures ) Section B states 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. 

XXXX15 U.S.C 1681 ( A ) ( 2 ) ( A ) ( 1 ) Exclusions : States the consumer report does not include reports containing information solely as to transactions or experiences between consumer and the person making the report. 

XXXX15 U.S.C 6802 ( Obligations with respect to disclosure of personal information ) : states a financial institution may not directly or through any affiliate disclose to a non affiliated third party any non public personal information. 

*15U.S.C 1681section 602 ( A ) : States consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. 

XXXX15 U.S.C 1681 section 604 ( A ) : States a consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2023-11-25
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: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX2023 and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
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. (SC)

On XX/XX/24, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for validating a debt. My request is that Transunion still reporting my transactions & experiences with XXXX. Which is in Clear violations Per 15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-11-24
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. (GA)

XXXX XXXX XXXX account # XXXX is not mine and they have not provided me proof that i started this along with XXXX XXXX XXXX  for a XXXX XXXX  account # XXXX, XXXX XXXX XXXX for XXXX account # XXXX
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

was charged a deposit for {$15000.00} to make sure I have enough money to bid on my card for a charity auction legend on the same day and an hour later I bid on something they charged me {$5600.00} I disputed this charge Citibank gave me a provisional credit and they took the credit back on XX/XX/XXXX I wrote them a letter gave explanation after I did that four different times they responded on XX/XX/XXXX and told me theyll give me the credit back on XX/XX/XXXX and this investigational will be completed its been almost 3 months I dont know what the law states but theyre taking too long to investigate this I want my money back I want the credit this is ridiculous this was just a deposit
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I got a American Express gift card that kept declining ( original complaint XXXX ). American Express advised that they sent a refund check to my address in the amount of XXXX and that I should receive the check within 3-5 business days of XXXX. Today is XX/XX/XXXX and I still have not received a refund check. I called American Express on XX/XX/XXXX to inquire as to why I have not received the check and the customer service rep was extremely rude and after placing me on hold for 20 minutes she hung up the phone. This is UNACCEPTABLE!!!!!!! I called back to American Express again today and was told there is nothing they can do since they already mailed the check. Well apparently the check is lost because it should not take 15 days to receive a check coming from XXXX to XXXX!!!!!!!!!! There has to be something America Express can do to expedite this process!!!!!!!!
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have National Credit Adjusters remove this off all credit reports
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (PR)

US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.
Consumer complaint received 2024-01-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (FL)

I submitted a complaint ID XXXX dated XX/XX/XXXXXXXX  for XXXX XXXX XXXX and they never responed. Now, Apelles collection has send two letter dated XX/XX/XXXXXXXX  which I called them and explained I have already file a claim with CFPB about XXXX. Now, XX/XX/XXXXXXXX  Apelles sent a new letter with invoice dated XX/XX/XXXX. What I found on XXXX dated XX/XX/XXXXXXXX  is that they claim customer cancel-termination chg ( XX/XX/XXXX to XXXX no other printed. However, I never call to cancal my service on XX/XX/XXXX. 
XXXX they came to reconnect service because they were issues with XXXX always stating I was late on payments which was never the case. 
XXXX stopped undating my service and the alarm would go off every night from midnight to morning until I disable the equipment. Therefore XXXX canceled my service XX/XX/XXXX.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Consumer complaint received 2024-01-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation (TX)

About XXXX or XXXX months ago, the XXXX at Covington Credit constantly called and verbally harassed me concerning a debt that I am making payments on. He would call and over-talk me and call me XXXX or XXXX times within a week preventing me from working and making a living. If I did not answer then he would call my references numerous times asking for me and leaving a message to have me contact he as if I was not in communication with the company. I requested a cease and desist from contacting any of my references and disturbing them. I have an elderly parent who is constantly receiving calls from Covington Credit and it is disturbing her normal lifestyle and peace of mind. My mother recently had a XXXX XXXX and for the XXXX to completely disregard my 'cease and desist " request from contacting my reference is a total disregard for her health and life and I need this to stop. His continuous disregard for my request to reach out to my references is causing a mental strain on my family 's overall health and living. I am making monthly payments on the debt and I have advised the company I am having to make monthly payments on all of my debts with other companies until I can pay them off, please do not contact any of my references. 

I am reporting this constant harassment in hopes of getting the XXXX to honor my request and to stop contacting my references, I am making monthly payments on the account.