davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WI)

AMERICAN EXPRESS XXXX  XXXX Prepaid Debit Accounts and cards are issued by American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. American Express XXXX XXXX XXXX XXXX XXXX XXXX is licensed as a money transmitter by the New York XXXX Department XXXX XXXX XXXX. XXXX ID # XXXX THIS COMPANY I SWEAR IS A SHAME. THEY ARE USED BY XXXX XXXX FOR TAX PURPOSES. CURRENTLY IM USING THEM PER PAYROLL IN GENERAL. 

THEY ARE REFUSING ME MY MONEY I AM ENTITLED FROM A REFUND DONE 7 DAYS AGO! 
I'VE HAD OTHER RETURNS DONE IN XXXX TO 4 DAYS. WHY THE XXXX IS THIS TAKING XXXX TO 14 DAYS! ITS XXXX FOR A {$230.00} DOLLAR REFUND ON A PRODUCT TO GAME STOP I RETURNED A XXXX WEEK AGO. 

DON'T USE THIS XXXX OF A COMPANY FOLKS. THEY STEAL MONEY. READ REVIEWS ABOUT THEM, THEY CLOSE ACCOUNTS ALL THE TIME WITHOUT NOTICE, THEY KEEP THE MONEY IN THE ACCOUNTS TOO.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX CARD XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently been informed that there is negative information reported by TransUnion, for a " Bankruptcy. '' I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. TransUnion did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Trans Union, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

The letters are stated with items and issues. 

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 2018-10-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Clark County Collection Service (NV)

On XX/XX/XXXX I reached out to Clark County Collections agency in order to see what I can do to correct a medical debt they aquired. I spoke with XXXX telephone number XXXX and I was very patient with her, but she continued to be vague with her answers. Specifically I asked her if I could get a copy of the medical debt because I don't remember going to emergency that day. She told me that it would take 30 days to get the information, which is fine. The problem I have is how her tone changed when I asked her, about how long I would have as it relates to moving forward with the judgement. She said I need to refer to my paperwork, however, my paperwork has XX/XX/XXXX, but they served my neighbor the documents on XX/XX/XXXX, while they were taking out the trash before going out of town. I had to advise her that she's not clear and I need to know if I have time to wait on these documents, and eventually she gave an answer, but her tone is rude. Mean while I'm trying to reach out to all parties involved. I call XXXX again XX/XX/XXXX, to advise that I can work out some arrangements, but I'm the only income in my house. She has no compassion, I ask to speak with a manager. She gets me to XXXX telephone number XXXX and I'm trying to work out arrangements or a settlement with her. I asked XXXX how long do I have to decide what I'm going to do, and she as the supervisor gives me a vague answer. At this point I'm really frustrated and I need to know how long before they move forward with the judgement, and her tone changes, as she states you need to refer back to your paperwork because she doesn't have it in front of her. I disregard her tone at this time, and address the fact that my paperwork says XX/XX/XXXX, however my neighbor was given this information on XX/XX/XXXX, so I don't have a clear timeframe because I have two different dates. As I told XXXX about the situation of my neighbor being served and not me, she entertains the conversation. I explain to her how I know it happened, but I'm not clear because, the paperwork was given to my neighbor, handed to my husband and then given to me. She said that she doesn't know the person is but they use XXXX, and then asked me is there anything else she can help me with, in rude tone. When I ask her for the number, she displays a more irritable tone. The call at this time goes south, where she's talking over me and she's refusing to assist me because all she wants is the money. I'm a customer and there is no reason that u shouldn't be treated as if I'm an XXXX, and they would feel the same way if they were in my shoes. As a consumer I have a right to ask questions about my account, and get a clear understanding and the treatment they gave me was unfair. To not answer my questions, take a tone as if I'm bothering them, and over talk me, made me feel that they weren't interested in working with me and they would prefer to garnish my checks.
Consumer complaint received 2022-09-16
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. (PA)

My name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau
Consumer complaint received 2023-02-15
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. (CA)

In XX/XX/2023, XXXX XXXX has reported wrong XXXX balance on my credit card to all credit reporting agencies. BUT IT IS NOT XXXX ( See Attached Document ). Thus, XXXX XXXX reporting XXXX balance - caused my FICO score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points FICO score drop and also for any " eventual subsequent '' FICO score drop.
Consumer complaint received 2021-07-12
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CT)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To Whom it may concern, I've been a BOA member for many years and I'm a preferred Gold member. we recently had a fraudulent event with Boa and were not at all happy. On XX/XX/XXXX my wife XXXX received numerous alerts from BOA via email and text messages saying that our debit card had suspicious activity. My wife called the number which connected to BOA, music and all. a rep got on and had full access to our account. They then quoted us on various charges that we did make confirming it was Boa. They then sent us a code to her phone, which she sent back. The rep said that the fraud was in the XXXX account for XXXX and XXXX others for XXXX dollars. They said that in order to get the funds back, she needs to set up XXXX and send money back To herself. At this time we were out for XXXX dollars. we spent numerous hrs on the boa fraud phone which takes hrs to finally answer. We were told that the matter is under investigation claim XXXX. we were told that after 10 days we would be credited while the investigation was on. Yesterday Y after day 14 I called only to find out my claim was denied!!! What a great way to treat a good member!!! 2 weeks ago we filed a police report number XXXX with the XXXX XXXX NJ police dept originally XXXX am appalled that a large organization would not help me!!! Since I've contacted a Detective and now I'm filing with the state attorney for banking. Th is nonsense and the Federal government will cover me. Once I prevail I will be closing my accountant!!!! I did some research and channel XXXX did a full report on this!! Now I'm really angry because you did nothing to inform your clients which is incompetent on your part. We should have been warned. I will be joining the class action suit that's now going on against you! cal believe it's come to this and like I said it's wrong!!! 
I can send you the following article to educate you on this matter. I'm going to wait for your response before I move to the next step Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-11-04
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 (KS)

I applied for a credit limit increase on my Kohl 's card issued through Capital One. I was denied the credit limit increase. Capital One 's denial reason was I was at the maximum limit available. Capital One performed a credit inquiry on my XXXX Credit Report on XX/XX/2022. Given that the denial for the credit limit increase was based on internal policy it was not necessary for a credit inquiry to be performed.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (CA)

Three times now I have disputed XXXXs attempts to ruin my credit as a previous customer service representative stated they would do. This is what was previously stated in my first complaint that resulted in the removal of this fraud collection : My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must state that I have not been able to speak to anyone about this. Now I randomly have XXXX XXXX XXXX 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Today I was notified by XXXX of a company called DIVERSIFIED ADJUSTMENT being added to my report, which is another attempt of XXXX to hold me accountable for an amount that I do not owe them. I have disputed this now three times, it has been removed from my credit twice and XXXX XXXX continually sells my information to these companies. I have been threatened verbally over the phone that XXXX will ruin my credit by these collection agencies that they have sold my information too. Upon contacting XXXX both in person and via phone I have been met with no help and firmly reminded that they will put the collection on my credit. I have given proof of what I am saying now three times. Please help me because this is affecting my ability to navigate the financial world without troubles. In XXXX XXXX also actively discriminated against me by saying my credit score was not high enough to not have to pay a downpayment fee when my actual score was well over XXXX. I have the letter they sent me that states I had too many late payments on my credit at that time which was not true. 

This account was not opened on XX/XX/XXXX that is a manipulative tactic used by XXXX and these crooked collection agencies this account predates XXXX and it was initially put on my credit back in XXXX. They are actively ruining my credit as they stated they would and every-time it gets removed they sell my info to another company and attempt to repost it. Please make it stop!
Consumer complaint received 2023-06-29
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)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy and included my previous XXXX XXXX, and XXXX XXXX accounts. Ive been on rebuilding my credit and decided to reapply for a XXXX XXXX line of credit in XX/XX/XXXX, and to my surprise, was approved. I was offered a line of credit in the amount of {$500.00} and was mailed a physical card with my name and customer account number. A few weeks ago, I decided I was going to make a purchase on their website but was informed that my account has been closed ( as of XX/XX/XXXX ) due to my credit history. XXXX not only reran my credit without my permission/knowledge but they closed a brand new account, which dropped my credit by XXXX points. In addition, I now show 2 inquiries when there should have one been one from XX/XX/XXXX. I called to discuss this matter with XXXX today and was told I need to file a written complaint. I spoke with a representative named XXXX XXXX and I speak with her supervisor, but she informed me that they would tell me the same thing which is to refer to the account closure letter that I received. This is a violation of my rights as a consumer and this has taken a toll on my credit that Im working hard to rebuild.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (TX)

No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX  Account # : XXXX & XXXX