davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I noticed an account on my credit reports from a company called XXXX XXXX XXXX that I had no business relationship with. They are was attempting to collect on a an alleged debt in the amount of ( {$940.00} ). I sent a letter on XX/XX/2024 to validate this alleged debt and still recieveh nothing from them. After putting them on notice still I haven't received nothing. They continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g. This alleged debt is falsely representing the character, amount, or legal status of any debt. They also are violated 15 usc 1692f, as of their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. I've asked to reinvestigate this problem and still being furnish to my credit file with. Under 15 usc 1681i, you must delete from file after 30 days if no proof. By reporting to my file with inaccurate data is against the law according to 15 usc 1681s2. This is unlawful continuing furnishing false data to my file.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I am having this XXXX XXXX store credit card since XXXX. 
Any time I try to create the online account for this credit card - I am unsuccessful. It's very limited time when there customer service. For the last 4 years - I have to always pay the card via telephone. 
XXXX XXXX is doing it deliberately so that I can miss the payment and then they can extract higher interest rate from me. 
I never receive the paper statements also. 

I talked to XXXX at XXXX XXXX ( XX/XX/XXXX ) at the phone # XXXX to make the payment via phone. I am not comfortable doing the payment over the phone where i need to reveal my bank account number.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CT)

On or about XX/XX/2022, Barclays Bank Delaware ( hereafter Barclays ) notified me that it had terminated my AAdvantage Aviator World Elite Business Mastercard account ending in XXXX ( the " Account '' ). Barclays did not provide me ( 1 ) 30 days ' written notice of its intent to terminate the Account or ( 2 ) a statement of specific reasons for that action, both of which are required under federal law. Barclays thereafter failed and refused to transfer to my XXXX XXXX AAdvantage account both the Award miles ( miles ) and the Loyalty Points ( points ) I had earned. 

Barclays actions violate the Equal Credit Opportunity Act ( 15 U.S.C. section 1691 ( d ) ), Regulation B ( 12 C.F.R. section 1002.9 ( a ) ), and constitute Unfair Competition ( Connecticut Unfair Trade Practices Act ( CUTPA ) ), conversion and breach of contract/breach of the covenant of good faith and fair dealing. 

When Barclays closed the aforementioned credit card account, I had previously earned two ( 2 ) miles and one ( 1 ) point for each dollar spent. I would have earned an additional XXXX miles and XXXX points based on my spending in the billing period with a XX/XX/2022 statement closing date. I plainly have a right to those miles and points. Barclays nonetheless failed to transfer those miles and points to my XXXX XXXX account as it had done for the prior nine ( 9 ) months. Instead, it purported to forfeit those miles and points based on some internal policy which it had not provided to me. By confiscating my miles and points and preventing me from earning additional miles and points, Barclays improperly interfered with my right to my miles and points. Since those miles and points have substantial value to me they served as the basis for Barclays inducing me to obtain and use its credit card I was damaged as a result of Barclays conduct. Barclays justification for the forfeiture is immaterial under the law. Having deprived me of my miles and points, Barclays motive is not relevant. Barclays is strictly liable for conversion.
Consumer complaint received 2023-06-21
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. (KY)

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report is showing late payments to BANK OF AMERICA NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.
Consumer complaint received 2024-04-17
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I requested validation from XXXX, Experian XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name XXXX XXXX Account # : XXXX Account Name XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX
Consumer complaint received 2023-08-31
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

I received a prepaid debit card in the mail from Square Inc. 
I never applied for or ordered this prepaid debit card account. 
I attempted to contact Square Inc. to inquire on how this account was opened under my name and they do not have a phone number where I can speak with a live person about my problem.
Consumer complaint received 2024-04-17
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. (NC)

XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account XXXX. is XXXX ( {$20000.00} ) & XXXX XXXX  XXXX Account XXXX. XXXX ( $ XXXX 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 an 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
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: January Technologies, Inc (SC)

This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on www.nmlsconsumeraccess.org This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-02-08
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: 3rd Generation, Inc. (CA)

I purchased a vehicle through California auto finance 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to XXXX. My auto loan should be at about 6200+ int. XXXX told me that they were made aware that XXXX  closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX  and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
Consumer complaint received 2024-04-17
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)

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. 

These accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
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. (NC)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXX ), ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thank You.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-15
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. (FL)

these people should be prosecuted and put in jail for what they do to people. 
I HAVE NEVER BEEN LATE NEVER MISSED A PAYMENT ON ALL OF MY 6 CREDIT CARDS AND CAR PAYMENT! I DO NOT HAVE ANY COLLECTIONS BUT MY SCORE IS NOW XXXX THIS IS WHY PEOPLE GET THESE CREDIT CARDS AND CREDIT AND DO NOT PAY, BECAUSE EVEN IF YOU PAY ON TIME OVER WHAT YOU ARE REQUIRED THEY KEEP YOUR SCORE LOW I HAVE HAD IT AND I AM SUEING THEM THIS IS REDICULUS, SO IF THEY CAN NOT KEEP YOUR SCORE LOW BY YEARS OF FALUSE MEDICAL BILLS THEN ITS INQUIRES NOW THEY ARE GOING AFTER USE WHY WOULD I GET A CREDIT CARD NOT TO USE IT? 
THIS IS ALL A SCAM FOR YEARS THEY PUT FALSE MEDICAL BILLS ON MY CREDIT THAT KEPT ME FROM BUYING A HOUSE CARS EVERYTHING THEY WOULD TAKE THEM OFF THEN ANOTHER COLLECTION AGENCY AFTER 7 YEARS WOULD SUPPOSEDLY GET IT AND PUT IT ON AGAIN AND AFTER YEARS OF FIGHTING TO GET THESE FRAUDULENT CHARGES OFF I COMPLAIN BECAUSE THEY PUT FRAUDULENT INQUIRIES ON MY REPORT NOW THEY ARE TRYING TO GET ME BACK FOR USING THE CREDIT I WAS GIVEN BECAUSE AFTER GETTING A CREDIT CARD IF YOU USE IT YOUR SCORE IS LOWERED WHAT KIND OF SCAM IS THIS NOW? why would you get credit not to use it these are all just scams that have to be stopped these people need to be put in prison
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
Consumer complaint received 2018-11-29
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. (VA)

I joined XXXX  to run a credit report for all three bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the three bureaus, however, XXXX and Transunion both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' Transunion even states that I had a serious late payment 1 year and 10 month ago, however, they could not tell me which account it was.

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those two bureaus.

I have attached the two reports and a screenshot.