davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (NJ)

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 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 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.
Consumer complaint received 2023-10-07
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: Consumer Adjustment Company Incorporated (OK)

I previously submitted a complaint regarding this companys false reporting of an account to my XXXX, XXXX and XXXX credit reports for a balance of {$940.00} on behalf of XXXXXXXX XXXX XXXX Following my complaint with CFPB, the account was only moved to closed status, but not removed from my XXXX report and still remains as open accounts on both my XXXX and XXXX reports. After more than 30 days with no changes to the remaining two reports, I filed a dispute online with both credit bureaus, XXXX and XXXX. Similarly to a prior dispute with XXXX, the company returned the dispute back as verified as accurate. Prior to the closing of this account on my XXXX report, the Consumer Adj company increased the balance on this account from {$940.00} to {$940.00} prior to updating the status to closed, causing a change in my credit score and resulted in a notification from XXXX regarding the increase in a collection account. The company has still not provided any documentation proving that this is my account, or that I owe any money to them or to XXXX XXXXXXXX XXXX  Once again, I do not acknowledge this debt and it needs to be closed and REMOVED from all three of my credit reports without any changes and updates to the balance. Seemingly, this company is unaware of fair debt collection practices and attempting to circumvent the system and follow the law as they see fit instead of by what is required. I look forward to the full removal of this fraudulent account or further legal action will be taken against your company.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (MA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account number - XXXX XXXX XXXX XXXX  - XXXX Completed XXXX separate payments via telephone for {$300.00} total. Payment made with XXXX ending XXXX. Reference numbers : XXXX & XXXX. 
Not responsible for closed account. Account balance and payment history, incorrect. Payments for {$150.00} USD submitted XX/XX/2023, and XX/XX/2023. Currently, unable to dispute with utilization of TransUnion dispute tool. 

The report is displaying owed monies to a company that has already been fully paid. Please review attached, supporting documents from financial institution. From TransUnion, TRANSUNION, TRANSUNION LLC, the information in the remarks field is not accurate.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This collection has been paid off, looking at my credit report for TransUnion there was never any payment history reported even though I was told that I owed a debt. 

I feel as though the information reported was inaccurate on TransUnion 's behalf and this is something that I find to be extremely concerning if this can happen to anyone. 

Account Name : XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

I applied for an AMEX Starwood Preferred Guest Business Card on XX/XX/XXXX ( credit card number ending in XXXX ). The card had a welcome bonus offer of XXXX SPG points if {$6000.00} was spent on the card within 90 days of account opening and an additional XXXX SPG points if {$10000.00} was spent within 6 months ( for a maximum welcome bonus of XXXX points ). I met the {$6000.00} spend requirement for the first XXXX points inXX/XX/XXXX, but I was never credited the XXXX points I had earned. I contacted AMEX in XX/XX/XXXX inquiring about the points and was advised that I had earned the points and that my account would be credited shortly. I also hit {$10000.00} in spend within the 6 month requirement and I have not been credited for the additional XXXX point bonus either. Actually, none of the XXXX welcome bonus points that I earned by meeting the spend requirements has been credited to my account. I have contacted AMEX repeatedly for more than 5 months and I have been told they still are investigating the matter and as of today they still can not give me an answer. I started saving copies of our online chats afterXX/XX/XXXX which I will attach for your review. I no longer have any confidence that AMEX will ever take care of the problem after more than 5 months trying to resolve it with them directly. Any assistance you can provide will greatly appreciated.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (MI)

The XXXX XXXX XXXX has a credit card called Milestone. They sent me a pre approval & I went online were I was given {$700.00} with a {$75.00} annual fee.The card was mailed to me. I used it making purchases rounded up to about {$300.00} & started making payments. The payments never lowered the balance & they kept adding interest. They started calling me daily. I talked to the guy. Since I had paid {$500.00} already, ( thus the {$300.00} is paid off with {$200.00} in interest being paid ) he said when my lump sum came in from my employer, I could pay the {$700.00} ( they had me at {$990.00} still being owed ) & I would be back to a XXXX balance. Well, I paid the {$700.00} & I was left with over {$400.00} in interest yet to pay. I tried logging into my account with them & found I was completely locked out which means I cant look at my account to see anything.I tried to use the card to see if it was locked as well & it was. I called about my locked account & card with this never ending compound interest & a supervisor told me she would investigate then call me back with the results of the investigation. Never received any word on that investigation & Im at {$790.00} in interest being owed without any purchases.I cant use the card, the interest is piling without any purchases being made, Im locked out of my account, & Im ready to talk to my local prosecutor to see if I can press fraud charges. None of my other credit cards are like this. I still have the emails they sent me as well to pay a lump sum & then the interest would just go away. At this point, I want the card closed which they still refuse to do even after I sent out letters in the mail & this company investigated for fraudulent claims. {$300.00} dollars, {$75.00} of that is their annual fee, should never result in {$1700.00} in interest charges. Plus they changed their company name from GE Finance to XXXX XXXX. Too many lawsuits I guess. Issued by the XXXX XXXX XXXX & serviced by XXXX XXXX aka GE Finance.
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WY)

This debt is from the beginning of XXXX. I have reached out to all 3 credit bureaus and asked for validation of debt with supporting document. They have not done anything. I have asked XXXX for supporting documentation. No one has given documentation for this debt other than a copy of the collection notice. The debt has been sold multiple times and each time they update the date to show it as newer than it is Jefferson capital showing it as XXXX when I have not had service with XXXX since XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-04
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-10-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (IL)

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXXXXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX WFC- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Consumer complaint received 2024-03-30
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. (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defemation to my character.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX  code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATION/XXXX  Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (AZ)

In 2017 my XXXX XXXX XXXXXXXX credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. XXXX XXXX XXXXXXXX keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by XXXX XXXX  XXXX to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Consumer complaint received 2023-10-07
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. (AZ)

In 2017 my XXXX XXXX XXXXXXXX credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. XXXX XXXX XXXXXXXX keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by XXXX XXXX XXXXXXXX to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Consumer complaint received 2023-10-07
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. (IL)

XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Outstanding Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor Status Closed Type Individual High Balance {$770.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

THESE ACCOUNTS IS NOT MINE *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 XXXX