davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my efforts and successful removal from other credit bureaus, this particular account continues to plague my credit report, as if no corrective action has been taken. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It's like participating in a never-ending magic show, where some fraudulent accounts vanish into thin air while others stubbornly linger, refusing to take their final bow. I must admit, your bureau 's ability to keep me on the edge of my sanity is truly impressive!! 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously submitted dispute letters and provided supporting documentation to the other credit bureaus, resulting in the successful removal of this fraudulent account from their records. However, it remains present on your credit report, causing ongoing distress and affecting my creditworthiness.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

Good Morning- My credit score with XXXX is much lower than with XXXX . After doing some digging, I found that XXXX is reporting the XXXX XXXX XXXX XXXX as Open-Derogatory ... .Chapter XXXX Wage Earner Plan Account. This is incorrect. When I filed Chapter XXXX, I filed alone. My ex-husband was not involved. The car was never included in the Chapter XXXX. The car was signed over to my ex-husband. Therefore, he is responsible for the car and is making payments on time.
Consumer complaint received 2023-12-22
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I am writing to file a complaint against Macy 's for imposing illegal credit protection charges on my account that I did not sign up for. These charges have varied between {$60.00} to over $ 100 monthly and have caused me significant financial hardship.

I recently discovered these unauthorized charges while going through my account statement, and I am shocked and dismayed that Macy 's would engage in such unlawful and unethical practices. I did not request any credit protection services from Macy 's, nor did I authorize any such charges on my account.

I am deeply concerned that Macy 's is taking advantage of its customers by imposing these charges without their knowledge or consent. This is a clear violation of consumer protection laws, and I urge you to take immediate action to stop Macy 's from continuing this illegal and unfair practice.

I request that you investigate this matter thoroughly and hold Macy 's accountable for the harm it has caused me and potentially other customers. I also request that you compel Macy 's to refund all the credit protection charges that they have imposed on my account without my consent.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc. (CO)

I have tried multiple time to get verification of the debt however with there silence they refuse to verify the debt. 
It has been well over 90 days since I sent my first letter to try and get this verified all letters have been sent certified.
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. (TX)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I did a consumer credit transaction for personal and household goods with American Express. I then submitted an adverse action as to why I didnt believe there decision to deny me was in good faith. American Express is liable under the SEC to follow certain rules, American Express commission file number is XXXX. According to the federal Reserve act 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, I the consumer submitted an application aka a note and American Express collateralized said application, I gave American Express Something of value and in return American Express denied me extension of my own credit but instead collateralized on the note Aka security. Also American Express violates the federal reserve act Section 29. Civil Money Penalty ( a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. 

[ 12 USC 504 ( a ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by acts of Oct. 15, 1982 ( 96 Stat. 1523 ) and Aug. 9, 1989 ( 103 Stat. 470 ). ] ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who commits any violation described in subsection ( a ) ; recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or breaches any fiduciary duty ; Attached is the denial letter of credit from American Express
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-09-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC (IL)

I am on the last creditor to repay and I requested that they would start settling with the company. When I started with the debt company, I was told that it would take around 4 years to settle, its going close to 5 years and they are collecting the money, but they are not settling on the last debtor. They say that they will settle when they reach a particular amount, but they will not say how much. They did a repayment for almost all of the credit cards, but they won't for the last company.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

My father transferred {$2500.00} money from XXXX to my account on XX/XX/. Unfortunately, he mistakenly entered one incorrect digit in my account number, resulting in the money being credited to the wrong account. Upon realizing the error the next day, my father promptly contacted his bank, which initiated the recall process. However, Chase Bank, where the money was mistakenly credited, has not taken swift action, and their wire department has not communicated with my father 's bank. 

Chase Bank credited the funds to an unverified account without confirming the correct account number and name. Despite my father 's efforts, almost a month has passed, and I have not received the funds. I mentioned some Ref no below Transaction No : XXXX Attention Investigation Ref No : XXXX XXXX XXXX No : XXXX
Consumer complaint received 2024-04-22
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. (IA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo, XXXX, calls every morning between XXXX and XXXX, and has been doing so for weeks. They ask for a relative who lives in another state, but will only say it is " regarding a business matter. '' Because they refuse to tell me anything more, I assume it is a debt collection covered under the FFDCPA. 
I have XXXX  spoken to individuals telling them to stop calling this number, but they ignore me and keep calling. I finally spoke to a supervisor, who told me that they don't have to quit calling this number because the account owner provided that number to them. I told them it was my phone number and that I, as the owner of the phone number, was telling them to stop calling it. The supervisor told me that only the account owner ( apparently of some debt they are trying to collect ) can change the number. 
To be clear, I am only guessing from their refusal to say what this is about that it is a matter covered by the FFDCPA. I have nothing to do with it, other than being the person whose phone number they keep calling.
Consumer complaint received 2023-10-31
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. (MS)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-04-22
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : 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 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

Last week I received a letter from Credit Control , LLC stating that they are a debt collector trying to collect a debt that I allegedly owe XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or XXXX XXXX ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
Consumer complaint received 2024-08-13
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. (NY)

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Consumer complaint received 2024-04-22
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-12-22
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MI)

On XXXX  I paid {$1000.00} toward my principal which left a balance of {$580.00}. I had already paid my current bill of # XXXX on XX/XX/. I am being harassed to pay {$340.00} for which I am paid in advance. 

I request an investigation be done to correct this error and stop this damage to my credit report. 

Respectfully, XXXX XXXX XXXX Account : XXXXAutoPay Unavailable Amount Due Immediately {$340.00} AutoPay Status Payoff  Amount {$580.00} Payoff Good XXXX XXXX XXXX Monthly Payment Amount {$340.00} Last Payment Received {$1000.00} Account Details View Latest Statement Total Amount Due {$680.00} Amount Past Due ( Due Now ) {$340.00} Next Payment Due ( XXXX XXXX XXXX ) {$680.00} Account : XXXX Manage Account Communication Settings Statement History Payment History Account Settings
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GOLDMAN SACHS BANK USA (IL)

Apple Card/GS bank USA , account number XXXX. I asked this company to cease and desist all company and Im doing so one last time now. This company is made aware of FCRA law 15 United States Code 1692 ( C-A ) and still decided to knowingly violate this consumer law, this company claim they have the recieved my written request to cease and desist all communications with me well Im also making them aware of that request here, through the CFPB. GS bank again Please cease and desist all communications with me ( XXXX XXXX XXXX ) as I refuse to pay this debt. My request should be respected under 15 US code 1692 ( C-A ) and I have a right to privacy under 15 US code 1681 ( 4 ). Under section 6804 of this title ( FCRA ) I have the right to opt out of any such debt. This will be my last attempt to get this fraudulent account deleted from my credit report. This will be discussed with my consumer law lawyer and your company will be subpoenaed to civil court if you still choose to violate FCRA consumer laws