davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-17
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: Atlanticus Services Corporation (TX)

The name of the account is Fortiva. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in XXXX This account was never late nor does my credit report reflect late payments. Yet Fortiva has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (DE)

This company is violating the Fair Credit Acct. My account XXXX charged off XXXX of last year. OneMain Financial is still reporting the account as open, and increasing the balance with additional extra and fees when it should be closed, and listed at the amount it charged off. Currently the account is negatively impacting my credit
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

See attached ( Please note : failure to provide the following requested information means that you have not verified the accounts and inquiries as accurate and you must immediately delete the accounts and inquiries for failure to verify. Failure to delete the below mentioned accounts and inquiries harms my reputation and character and your company will be liable to me for defamation in a public jury or private litigation action. )
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

On XX/XX/2024 I received a credit alert from XXXX saying that I owed a debt to Credence over an XXXX XXXX XXXX debt for {$150.00}. I never received a letter stating that I owed money & theres no wet signature contract verifying that the debt is in fact mines. I need this debt removed from my credit report since I never received anything in the mail on it & because theyre unable to provide a signed contract to validate the debt.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello. 
I would like to inform you that about 2 weeks ago XXXX XXXX XXXX closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and XXXX guys did a GREAT JOB, because XXXX XXXX XXXXXXXX XXXX XXXX checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my XXXX Account, which is again absolutely UNFAIR and UNJUST. I have contacted XXXX XXXX XXXX many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from XXXX XXXX XXXXXXXX which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the Credit Karma app. I realized that a Remark Code was added to my Credit Report and that the Credit Score with Equifax HAS DROPPED FROM 688 TO 627 ( 61 POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my Credit Score and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( XXXX XXXX Credit Card Account Closure letter from Bank XXXX XXXX. 

Thank you in advance!
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

My attached Equifax credit report of XX/XX/XXXX for my XXXX XXXX XXXX account # XXXX has inaccurate and conflicting data which has existed for over 5 months despite my diligent repeated efforts to delete my account and/or accurately report data. My credit report inaccurately reports the Date Closed XX/XX/XXXX while at the same time accurately reports under XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Obviously, conflicting data of when the account was closed needs to be corrected as warned by CFPB regarding Facially False Data required safeguards. I feel like I am being ignored and taken advantage of regarding my disputes in willful violation of the FCRA. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 120 days so they should be promptly deleted. I am distressed that you have included the inaccurate and conflicting information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The closure date needs to be reported accurately reported without conflicts otherwise deleted. You need to do a proper re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

See attached ( Please note : failure to provide the following requested information means that you have not verified the accounts and inquiries as accurate and you must immediately delete the accounts and inquiries for failure to verify. Failure to delete the below mentioned accounts and inquiries harms my reputation and character and your company will be liable to me for defamation in a public jury or private litigation action. )
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

Received attempt to collect a debt from Credit Management L.P ( File number XXXX ) for a medical services from XXXX XXXX XXXX under acct number XXXX, the bill uses the incorrect name of XXXX XXXX. I contacted XXXX XXXX XXXX to inquire about bill since we have insurance and had not received a bill. 

XXXX check every family member 's name including the incorrect name stated in the bill sent by collector. XXXX confirmed there are NO outstanding medical bills. XXXX also informed me the account number is too long to be an XXXX acct number and is missing letters. In addition XXXX does use Credit Management L.P as a collector. 

I looked up the company and found several fraud reports. 

Things are suspicious in this letter are 1 ) Incorrect Name : XXXX XXXX is Not my last name but it is my daughter 's last names. 
2 ) Acct number is 8 digits ( XXXX ) which XXXX states they use digits and letters for acct information. 
3 ) XXXX XXXX IMAGINING has no outstanding medical bills for our family and does not use Credit Managment LP as a collect.

Therefore, I dispute this attempt to collect as a fraudulent attempt.
Consumer complaint received 2024-05-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The account for XXXX XXXX XXXX ( XXXX XXXX  ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, Equifax & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2024 I played for American Express platinum card ( Ref Number : XXXX ) and was denied an extension of credit they obtain my credit report from XXXX in which I did not give consent to XXXX nor did I receive an opt out option before experience had given American Express my credit report they solely made there decision based off my report witch is against 12 CFR 215.3 - Extension of credit Additionally, 15 U.S. Code 1691 - Scope of prohibition states that creditors can not discriminate against applicants based on certain factors, including public assistance income or exercising rights under the chapter 2 Furthermore, 1002.7 Rules concerning extensions of credit, prohibits creditors from refusing individual accounts based on sex, marital status, or other prohibited factors.. and also I provide them with an application that was signed by me and that they will trade and profit from and I was never compensated for my application.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I made a payment on my XXXX  credit card from XXXX XXXX on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. 

The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from XXXX  credit card. Upon further looking into it, I was advised by XXXX XXXX that the payment account was not good and payment was not successful in which I made another payment again on that same day. 

However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My XXXX  XXXX  account showed the payment posted. And more than that, I do not have even XXXX piece of communication from XXXX that there was any issues with my first payment. 


This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. 

I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small XXXX credit card which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. 

What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATIONXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
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: Experian Information Solutions Inc. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (CT)

XXXX [ # XXXX ] Your company is in clear violation of the law. Under 15 USC 1681b -permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, which i will also be seeking {$1000.00} per violation for 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance -616. Civil liability willful non compliance.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CO)

When I try to open a Recents credit card with you guys I was denied and the only reason I was given was restricted account. I asked how to restrict it and they said I couldn't because I had a card that you guys charged off several several years ago. This is probably has to do with the time that I experienced identity theft and account takeovers it's many years old and I really think it would be fair to not treat me as a victim and give me a fair chance to apply to a credit card
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]