davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called XXXX  XXXX  and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, 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)

My name is 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.
Consumer complaint received 2023-12-05
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. (TX)

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 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please correct these accounts and remove the late payments : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IN XX/XX/2014 someone used my personal information and opened a account in my name I filed a fraud case back then. XXXX is reporting different incorrect this to the three credit reporting companies they are in violation of section FCRA623, FDCPA806 { b } which state that creditor MUST enter a notice of dispute, if this is not entered the account can not be reported on the credit report ALSO THEY DO NOT OWN T^HE ACCOUNT THEY ARE REPORTING AND IT IS NOT STATED WHO OWNS IT NOW THIS IS FRAUD ON THERE PART i have been fighting this for over 6 months now still waiting for XXXX to respond to this date section 611 is also violated. there has been no evidence that I personally made this account in which I did not.reporting accounts that you do not own is a violation and fraud in which will use in a civil case against you and go public in this matter please read XX/XX/XXXX Enclosed are copies of the reports showing the violations enclosed is the proof of fraud by the company this to XXXX who does'nt answer responses they sent working on a caseto CFPB but nothing, this is credit reporting violations by them
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

I am getting constant, sometimes twice weekly in the mail, offers of Chase ink Business Preferred Visa card. I am on the permanent list to not get credit card offers plus I have call them stating I am not a business nor do I have a business. I have called a second time simply stating nicely I do not want, nor would I ever ever apply for their card. I feel harassed by Chase. Please make them stop sending the XXXX offers.
Consumer complaint received 2018-11-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

Well I fell behind on a credit card debt. They sent my account to their collection department. They only have one phone number on file. So they called my exhusbands number and gave out all my personal information to him right after they called my number. Some o e named XXXX called my exhusband and told him all about my late payments and how much I owe and they need me to call them. I just barely received a call from them which I was going to return once I got out of work, but couldnt wait at the same time they called me not five minutes later they called my exhusbands number which I never gave them. They violated my privacy consumer rights and embarrassed me.I have never felt so violated from the XXXX company they are under handed and rude. I hope you can stop their horrible practices.
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

This company has never sent any written documentation about the debt by mail. They call multiple times a day. They consistently use different numbers to call. The calls started a week ago. I received a phone call today. I repeatedly asked them not to call during business hours, due to my schedule at work. They are extremely unprofessional and continues to threat to damage my credit and sue me. 

I requested a license number & the representative by the name of XXXX refused to give me the information. I asked them to validate the debt. I have never received a notice and the original creditor has all of my information on file. 

They told me that the original creditor is not allowed to give me any information.
Consumer complaint received 2023-12-05
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 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. 
I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be CORRECTED or DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MO)

I'm receiving harassing emails from a company by the name of Resurgent. I have never heard of this company or done business with them. They have absolutely no rights to communicate with me on behalf of anything. Their emails are filled with profane and abusive language.
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (MA)

Today XX/XX/XXXX XXXX XXXX location services called my parents house. They are calling on behalf of Barclays cars who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2018 there was a credit inquiry that showed up on my XXXX account for a credit card from XXXX XXXX. I did not initiate this request. I called XXXX   and they told me I had to call the credit card company as they ( XXXX ) simply reports what is out there. I called Synchrony but wasn't able to get any resolution. 

On XX/XX/18 I was able to speak with someone at Synchrony who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me Synchrony would notify the credit reporting agencies and that I would receive a letter in the mail from Synchrony detailing their findings.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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 2023-12-05
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. (FL)

My XXXX XXXX XXXX XXXX  was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
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. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX / XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
Consumer complaint received 2018-11-18
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. (MS)

XXXX XXXX Account # XXXX {$1300.00} written off XXXX XXXX Account Showing twice ( Inaccurate, Unverified ) Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX Account XXXX charged off. {$19000.00} written Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting.The account balance of {$19000.00} charge off reporting is inaccurate and not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Collection XXXX XXXX XXXX Account XXXX Unverified and Inaccurate Reporting of These listings item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I had no contractual agreement. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

These addresses are fraudulently reporting and incorrect and should be deleted ( I attached a notarized affidavit including my drivers license and utility bill with proof of residency ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I reached out to the company over 4 years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXX years and that information is still circulating on ny credit and affecting a negative way
Consumer complaint received 2024-04-16
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. (CA)

I reached out to the company over 4 years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXX years and that information is still circulating on ny credit and affecting a negative way