davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

XXXX put a collection on my credit report after three years of it not being on there. 

ICSystems is the credit agency with the debt currently, that I paid off. 

ICSystems " said '' they sent me a letter before it went to my credit report. I've had the same address for the last 4 years and no letter was received. IF I would have received it, I would have taken care of the debt " before '' it hit my credit report if it were even valid. 

Maybe they should have sent it certified or something before they ruin someone's report after they " say '' they sent a letter, not knowing if it will get to me on time, if at all. 

I also talked to the CSR on the phone when making a payment and I want this line to come completely OFF my credit report, not just updated as paid. 

I've filed an FCC complaint against XXXX for shady business practices,, as they " recalled '' this debt THREE years ago after I tried to pay it off, then yesterday I wake up and the debt is on there from ICSystems. 

I never received ANY notice from ICSystems and I don't believe they even sent a letter to my address that I never received.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please delete:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My credit card company,  USAA canceled their contract with Mastercard and began a new contract with Visa  sometime around   XXXX   XXXX   XXXX    . As a result, they canceled my  USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no   correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In   XXXX   XXXX   XXXX     I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on   XXXX   XXXX   XXXX    . My dispute was denied.  I still ca n't believe I was treated this way by USAA, who is usually very good to it 's customers. To this day, my credit score is affected negatively by their failure to communicate.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

Company ( Chrysler Capital ) account number XXXX. There are negative late payment reports being reported to my consumer report.

According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number XXXX
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}
Consumer complaint received 2017-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In  XXXX , I was unable to submit a dispute through Transunion online due to an online dispute that was already in progress so I mailed them the dispute. I disputed the same information with   XXXX   because whatever the debt is it does not belong to me and have no idea what it is doing on my credit report. First the transaction showed as closed with a balance due now it shows as open with Transunion.  XXXX  complete their investigation in a little over 30 days but deleted the same information I am arguing with Transunion over. I have called the company and I get no where at all with getting information about this  XXXX  I supposedly owe. They say its  XXXX  I say ok send me the information and they hang up on me or try to get me to pay it.. I go to submit a dispute again to Transunion and again there is an error message on their website but this time I have no other disputes open. I have called Transunion about their website disputes issues and get put on hold bounced around and eventually disconnected.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

Fox Collection Center has posted a debt on my account knowing it has already been paid to XXXX XXXX! I have reached out to them and they refuse to stop trying collect a debt that has already been paid months ago. Furthermore, I was not even informed given written debt validation of this debt existing or anything about they was going to place on my credit.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2024-05-01
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number XXXX
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit Reporting act capital one # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

94
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (SC)

I went to go cash a check through Ingo money, using XXXX. Everything went smoothly for the first check. I proceeded to cash another check subsequently because the first one had went through, and it was declined. I called customer support to figure out why it was declined, to see if something had been done wrong and they told me that it was missing the year and to resubmit the same check again. I resubmit the same check I'm afraid to get declined again. I call customer support for them to tell me that they have informed their authentications Department of an incoming check, and a customer support told me to put the check through again in a few hours. I waited a few hours, and did so again where it declined. After calling customer support a third time, and let them know about the situation, they tell me that to try a brand new check into submit that again. At this point, going back to the same person and asking them for a third check made me look fishy, and made me embarrassed to even do this because they did not have a bank where I could cash it at so I was forced to use mobile deposits. It declined, and I called customer support again a fourth time, where they told me they would talk to verifications and let them know of another check coming through, and to try again in 24 hours where I proceeded to do so. Shortly after I waited the 24 hours and submitted the check, it declined once more and I was promptly barred from the service. This is absolutely outstanding that they would even do something like this, telling me to do all these verification checks, take no accountability with their customer service, and the fact that so many financial institutions use Ingo Money leaves me with no choice. There is virtually no service that I can use online for mobile check cashing that doesn't go through Ingo Money. They even recommended to go use XXXX XXXX or XXXX but XXXX XXXX  doesn't offer that service to everybody. Also hilarious that XXXX uses Ingo money, so the customer service representative basically did everything in their power to XXXX me out of the service, making a fool out of me, and making it impossible for me to ever use mobile check cashing again. I had to wait literally over a week for that check to clear, which was an embarrassing situation and put me in a bad spot because I was expecting that money and the client was also expecting the money to be taken out of their Bank promptly and not an entire week later, especially after writing five or six different checks, making me look like I was a fraudster. This whole situation was embarrassing, humiliating, and stupefying as to why they take no responsibility for the customer service representative telling me to do all these things, and then proceeding to disallow me from their service when I have completely legitimate checks to cash.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-09-20
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-20
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. (TN)

Someone pull my credit with out my request with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX  XXXX Account number XXXX
Consumer complaint received 2023-08-02
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. (GA)

the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.
Consumer complaint received 2024-04-30
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

American Express w as contacted on   X/XX/17  to dispute a transaction made for {$170.00} on   X/X/17      as the replacement device I paid for had not  been received from  XXXX   XXXX . On   X/X/17   I contacted Amexto on the status of the dispute and to confirm that my documents were received. At that time I was informed my claim was closed but reopened o n  X/X/17 . H owever the supervisor went on to say he did n't see it open in another system. He was concerned and was unsure. He stated that he would need to contact disputes and that someone would get back to me. I told him I had a concern with the information pertaining to the date as it causes a conflict on when the dispute started. Although I did not receive any contact on my reason for calling. I did receive an email  on  X/X/17  from Am  ex stating  my dispute documents had been received and that I would receive a response on the dispute no later than 45 day 's from the date they were notified. On   X/XX/17   I contacte d Amex ag ain and spoke with "  XXXX  '' ( another supervisor ) after clarifying with the agent who answered that the claim did start o n  X/XX/17  also  verified by the supervisor. As he stated the claim should n't have been closed in error and that we were on th e 47th day. He apologized and had no further answers on the matter. Stating he would contact disputes again  as there was n't an error by  Amex and  he would do what he could to get it resolved quickly No solid answer has been given to me. An email was sent to disputes o n  X/X/17  r equesting information on the dates that they have in regard to the dispute. However it has gone unanswered. The company in question has since cancelled all consumer policies due to massive complaints for non received devices, incorrect devices, or flat out broken ones. I am unclear on how  Amex handles its disputes or when they began mine. But customer service can not assist and I can not personally call disputes. After purchasing a new device Amex is not assisting in manner professional as  this causes financial hardship for me.