davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (NY)

My name is XXXX 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 2024-04-08
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. (CO)

Below accounts are closed, discharged/charged-off. These are considered " Certificate of Indebtness '' per IRS Publication 4681 ( XXXX ) and these fall under the description of income. Income is not reportable & no 1099-C was filed or provided. These accounts are Illegally reported, in Violation of IRS Publication 4681 ( XXXX ), 15 USC 1681 & Privacy Act of 1974. They must be removed 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
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

According to code, USC 1666B. I did not have my consent to report any payment arrangements. It was made on account. Contacting all three credit bill about same issue. Provided all documents that shows that the reporting agency reported incorrect information no action taken from reporting agencies.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

I opened an American Express XXXX card in XXXX. When I first opened the account I was not given a credit limit as it is a charge card. Months later after opening the account a limit was placed on the account that was less than my pay over time limit with the lender. I inquired and was told it was because I made a purchase of a certain amount. The limit was removed automatically months later but again today on XX/XX/XXXX a limit of {$2800.00} was placed in my account the morning of my payment due day. This limit was below the amount owed on my card, and I had always paid this account in full. When I called to inquire as to why these changes were made, I was told that the company performed an unauthorized credit report of my account on XX/XX/XXXX and decided to place a limit on my card because of the information on that report which made them believe that I may be a lending risks despite having paid the full balance on the account every month since opening. I recently consolidated my XXXX XXXX which greatly impacted my XXXX XXXX in addition to me being an authorized user on an account I dont have direct access too, all information that I was told impacted the companies decision to change my account from an no limit charge card to a charge card with a spending limit of {$2800.00}. The companies reasoning for these acts have upset me and I believe that my rights are being violated. They responded to my last complaint saying why they made these changes and offered to review my account but that I did not send in the proper bank statements, which is not true. Their email states for me to send my statements from my primary bank account which I did. I told American Express that I dont use a commercial checking account and that I use and make all payments out of my primamary brokerage account where my money is deposited as well. I showed this documents and XXXX out my confidential information. I showed them what was requested and they denied asking for an account that I already gave them documentation to. I did not show American Express investments. On page XXXX of each statement it shows my current cash value for the account. American Express has also changed terms to my account that I did not agree to nor was notified of until my previous complaint was filed. I have attached copies of the bank statements sent to American Express below.
Consumer complaint received 2018-07-16
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. (AL)

There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-03
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: General Motors Financial Company, Inc. (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION ()

The debt is for a vehicle that my mother has purchased. She passed away in XX/XX/XXXX and the financial institution was notified immediately and provided her death certificate and the person representing her estate ( which is me ). I was told that even though I had provided them this information they would still need to contact the recovery department and would not be able to speak to me although my name is on all of my mother 's accounts. I was finally contacted by XXXX XXXX with the payoff information Her vehicle was paid off in full to XXXX XXXX on XX/XX/XXXX. XXXX XXXX contacted the Truist Bank/ Lifestream to notify them the debt had been paid in full although the bank had denied ever being notified until I provided them with the notification. The financial institute has given me nothing but a run around, nobody knows what the other is doing, whomever you talk to request the same information that they have been provided such as death certificated and administration of estate which was processed on XX/XX/XXXX on numerous occasions. This information should have been processes immediately after the payoff. I provided this information yet again and was told it could take another XXXX weeks. WHY? Apparently after a XXXX search this financial institute has a long history of this abuse and something needs to be done. They got the money now release the title.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (WI)

An IRS accepted 1099-C demonstrates the debt has been canceled, and the forgiven amount is considered taxable income by the IRS, which must be removed from my credit file. This inaccurate report has unjust, illegal consequences on my credit report and score. 

The report is inaccurate and misleading, and I've provided supporting documentation, such as the 1099-C form, to prove that the debt has been canceled.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

Request for Signed Contract Regarding Charge Off Account - Reference : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ) Dear Jefferson Capital Systems , I hope this letter finds you well. I am writing to request a copy of the signed contract with your company Jefferson capital systems pertaining to my charge off account, in accordance with the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ) ,12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ) As a consumer, I am entitled to review the contractual agreement under which this account was established. According to the aforementioned regulations, I am specifically requesting the signed contract that governs the terms and conditions of the account in question. 

I denied and disputing owing any debt to Jefferson capital system, and I revoque all rights of communications with me through email, text and calls. 

I am requesting debt validation and the purchase agreement between Jefferson capital system and the original creditor. And a proof that Jefferson capital system is licenced to collect in the state of Illinois and bonded. 

Please provide me with a copy of all of these mentioned above at your earliest convenience. I understand that under the regulations also mentioned above, you are required to furnish this document within a reasonable timeframe. 

If none of those can not be provided I demand that this charge be removed off my credit report as soon as possible. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 
Thank you for your cooperation. 

SincerelyXXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Auto 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: Superior Holdings, LLC (IN)

On XX/XX/year>, I requested verification from SAC Finance on a collection/charge-off through a letter. I also have provided my current information in this same letter date to the credit bureaus. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter. They did not respond to my request for validation. Instead, on XX/XX/year>, they filed a lawsuit against my behalf ( up to {$15000.00} ), when the debt that I am asking for verification is less than {$15000.00}. They filed a lawsuit against my behalf in a jurisdiction where I no longer reside. I have not lived in that jurisdiction for almost a year and have provided current address/information to credit bureaus on XX/XX/year>. Not only that, their business is not a registered business in the XXXXXXXX XXXX XXXX. Doing this, is a violation of the Federal Trade Commission XXXX as it is an unfair, deceptive, and abusive practice of a debt collector/ creditor. Not only that, instead of my taking my response as serious, XXXX and XXXX just gave me a generic letter refusing to investigate my concerns on my credit report. XXXX provided me with this frivolous letter on XX/XX/year>. XXXX provided me with their frivolous letter on XX/XX/year>. XXXX has not responded at this current date.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Early Warning Services, LLC (WI)

Subject : Unauthorized Access and Privacy Violation of Credit Report Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the unauthorized access and privacy violation of my credit report. I recently became aware an entity has accessed my credit report without my consent AGAIN. This unauthorized access has raised concerns regarding the security and confidentiality of my personal and financial information. I have documented very severe violations by XXXX XXXX XXXX, which have been disregarded. 

I have taken the necessary steps to review my credit report and have confirmed there is no legitimate permissible purpose for this unauthorized access. Such action is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my rights as a consumer to protect the privacy of my credit information.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (TN)

I don't know what happened to the car. It could have been stolen. All I know is that I do not have possession of the car and the loan keeps growing. I have attempted to pay it on time every month, but the interest is outrageous. They did not inform me that I would be paying 4x the amount of the money I actually received. They pushed me to purchase additional products from them and were determined to make sure I walked out in debt. This company is currently in a lawsuit, and I am experiencing the issues other consumers experienced with this company.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB.
Consumer complaint received 2023-09-22
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)

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Consumer complaint received 2024-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX XXXX on my credit report. DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Question : how can a delinquency occurred XX/XX/XXXX yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? How do you have a delinquency before there was ever an account????? I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account. They have change information on this account 8 times rather than deleting/removing the inaccurate item. 
NOTE XXXX different companies with the same account number # XXXX How can this be accurate and complete??????????? pursuant to FCRA
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (WI)

I have disputed with XXXX a BARCLAYS BANK DELAWARE account # XXXX on my report well over ten times online. Every time I dispute this account it comes back as I have disputed it before so they will not let me dispute it again. This account is STILL missing all the historical balance data. They have " fixed '' the payment history to match the payment history guide. The problem here is it now shows payment history for XXXX of XXXX but this account was sold to a collector on XXXX.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/scrub>XXXX 2024- Bank notifyed that an unauthorized individual was noted on my accounts. requested information of how access was granted, how long individual was on accounts and what access individuals were given to accounts and personal information.

Bank response : Accounts immediately locked and access denied without notification After XXXX days access was granted individuals removed from account, No coorespondence regarding finding.

XXXX 2024 - 1st attempt for resolution via certification letter through USPS to XXXX  department - NO response received XXXX 2024 - 2nd attempt at contacting XXXX department via certified letter through USPS - NO response received.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I linked my corporate Amex card ( green card ) with my account on XX/XX/XXXX. And this should deduct my annual fee by XXXX dollars. My annual fee still get charged on XXXX XXXX, and the customer service can not confirm this will be removed or credited back.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NJ)

On XX/XX/year> I enrolled under Global Client Solutions, ( Attached Payment Statements ) a company that stated consolidated all my creditors into one by negotiating and settled. Unfortunately, it was a lied the company collected almost {$5000.00} from me stating that they stated but never settle anything. Then because of XXXX XXXX program I was told that my outstanding credit lines was forgiven and all those accounts were closed. Unfortunately, my personal information may have been exposed to fraudulent activities and I have been working diligently with XXXX and XXXX to resolve any outstanding balances that was never paid. I have come across different accounts and addresses that I don't recognized and have never lived in ( attached ). My Credit Score has been ruined since the moment I decided to enrolled into this program by affecting me in job opportunities low credit score for personal loans.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC (TX)

I had a payment of {$72.00} due on XX/XX/2024. I made a payment of {$150.00} that was processed by the company on XX/XX/2024, but the company is claiming that my account is past due. I tried to talk with the to find out what was happening and the agents refused to discuss my account unless I verified my social security number. I offered to provide various other options to verify my identity and they refused. The only way I could discuss my account was to give my social security number.
Consumer complaint received 2024-05-03
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: Fig Tech Inc. (OH)

This creditor is reporting inconsistent and inaccurate data across the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Upon reviewing my credit report, I have noticed discrepancies in the date of last activity and last reported date of an account, which vary across the 3 credit bureaus. Please refer to the attached screenshots for your review.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to an accurate and fair credit report. These inconsistencies in reporting not only harm my credit standing but also constitute a violation of the Act. Additionally, there was no 180-day late payment preceding the closure of this account. 

I kindly request your office to investigate this matter promptly and REMOVE THIS ACCOUNT IMMEDIATELY. Please ensure the creditor adheres to accurate reporting standards and removes all inaccurate accounts found in the process.