davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NJ)

someone opened 2 credit cards in my name using my information i called the company am i called the credit bureau i also sent in the police report stating this was fraud i also target to close and remove this account and I asked XXXX XXXX to remove an close this account as they are not the account that i have applied for XXXX XXXX told me the will close an remove the account an Target told me the same thing XXXX XXXX an XXXX are still showing these accounts on my report
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX XXXX  is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX-to present day XXXX.
Consumer complaint received 2023-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I rented a car in XXXX from XXXX XXXX on XX/XX/ and the plastic fell off my mirror And I had insurance through the AMX credit card and XXXX XXXX took XXXX for the damage And then I called AMX and told them everything and they asked for XXXX XXXX photos and in the end they didn't send anything so AMX threw the ball at me and they simply caused the damage to my account Now I'm appealing to you to do the right thing and oblige AMX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sends them the photos, they caused me great damage I would like the money back immediately and to add the interest for the entire time the money was in AMX 's hands
Consumer complaint received 2023-11-23
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. (GA)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roach & Murtha, P.C. (NY)

Problem XXXX XXXX XXXX is reporting I still have a debt. The amount is {$220.00} XXXX XXXX XXXX is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with Roach & Murtha , P.C . who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and XXXX XXXX XXXX report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent XXXX XXXX XXXX the below documents and they still have not done anything about and is still report that it is not paid.
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

My husband and I went to TitleMax in XXXX, Alabama to get a title loan on our vehicle title on XX/XX/XXXX. We went in to make our monthly payment on XX/XX/XXXX, they could not retrieve our file for us to make that payment. The payment was for {$620.00}. We were not able to access our online account and the store personal could not access our account. Our payment was not due until XX/XX/XXXX. On XX/XX/XXXX we went in to the location to make the payment. The payment amount went up to {$1200.00}. That took everything we had to pay it. They refused to take a partial payment or work with us. Claimed it was policy. Not knowing that they are charging us outrageous interest rates by the DAY!! We have to decide on either paying our house bills or paying this outrageous loan rates. Title max is robbing its consumers. We can not get our vehicles repaired. We can not pay our house bills, or even put gas in our vehicles to go to the store. PLEASE HELP US!!!! This is inhumane for a company to charge us 170.21 % and 194.55 % Finance charges by the DAY!!! They are charging us daily for this obscene loan. We are going to loose our vehicles because of their rates. A {$7500.00} loan is going to costs us over {$13000.00} to get our title back. This is just for one of our loans. We were not aware of this at the time we obtained the loans. They also call nonstop with no voicemails. 

We also received notices of data breach...
Consumer complaint received 2023-11-23
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)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

In XXXX, I filed for Chapter XXXX Bankruptcy and again in XXXX. Any monies I owed to Navy Federal Credit Union was included in the XXXX Bankruptcy. More than 17 years later, Navy FCU still shows my name as having an outstanding debt. In addition, the financial institution uses it as a negative credit report when it comes to my ability to apply and re-establish my credit with them, I am denied. this has taken a serious toll on my overall credit rating. I have even tried to re-apply for a credit card recently and was denied because of a 20 year old debt. Any prior debts with Navy FCU should have wiped out completely in XXXX. 

According the NCUA Guidelines, this is a clear violation of my rights as consumer and my ability to obtain creditworthiness ; in addition, these acts has caused severe credit repair damage and financial hardships.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I have been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. 

This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Open account on XX/XX/2018 through the Citi bank official {$400.00} promotion link. Deposited {$18000.00} on XX/XX/2018. Fulfilled the requirement of maintaining a minimum balance of {$15000.00} in my linked checking and savings account for 60 days on XX/XX/XXXX. 
Still have not received the {$400.00} promotion bonus yet. 
Have chat with agents many times. I believe the promo code is : XXXX. Could you help me solve this and post the {$400.00}?
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX XXXX to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management Reporting account # XXXX I am unaware of this debt. I didn't have an opportunity to dispute this debt. I didn't receive proper notification of this debt. 

If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else XXXX be put on my report.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have no signed contract with XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account.
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ME)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention some concerning issues with XXXX XXXX XXXX. Not only did they fail to provide accurate mechanical records, which could have provided proof of a lemon law violation, but they also failed to address stickable items as per Maine state law. 
In addition to these issues, I discovered that XXXX XXXX XXXX did not report accurate information on my credit report. They failed to update my report within 30 days and did not report to Experian at all. This has caused significant harm to my credit score and financial stability. 
I urge you to investigate these issues thoroughly and hold XXXX XXXX XXXX accountable for their actions. Consumers deserve accurate information when purchasing a vehicle and when it comes to their credit report. Thank you for your attention to this matter.
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (VA)

I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with XXXX and Experian respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In XX/XX/2015 the CFPC ( Consumer Financial Protection Bureau ) reached  an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
Consumer complaint received 2023-11-23
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)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

In the last week, I have applied numerous times to the Apple Credit Card, My GM Rewards Card, and My GM Rewards Business Card, after the application I was asked to upload my driver 's license and so I did. I actually included my 2 names and my 2 last names because they came back unable to verify identification information. At this point, I don't know who to talk to anymore or what else to do and they are not telling me anything else. They tell me to re-apply again and again and then they told me I have applied too many times in the last 30 days so they are back and forth. At this point, I don't know if they know whats my name and my last name but this needs to be fixed.
Consumer complaint received 2023-11-23
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. (CT)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to XXXX and in being punished in my scores for their errors. XXXX  is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX and OIG. Thanks XXXX XXXX XXXX