davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount Recovery Systems, L.P. (GA)

I keep telling these people daily I will not give them my personal info, and they call and call again, I told them they are a 3rd party, not the original debtor to show me that I owe them they won't. I want the calls to stop this isn't even on my credit they are harassing me constantly. The lady gets smart each time I tell her to stop it. This is causing stress in my life.
Consumer complaint received 2024-03-08
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. (ND)

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 u.s.c 1681.. Account name ... XXXX XXXX  .... Account # XXXX ... Account Name .... XXXXXXXX XXXX ... Account # XXXX ... Account Name.. XXXX  ... Account # XXXX ... Account Name ... XXXX.. Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXX XXXXXXXX... Account # XXXX XXXX Account Name... XXXX XXXX XXXX .... Account # XXXX 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 an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, 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 2023-06-19
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. 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: 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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to file an official complaint against American Express. On ( XX/XX/XXXX ) at XXXX pm, I received a call from XXXX XXXX of American Express ( XXXX ). In that conversation, I was informed that my personal and business lines of credit were suspended. I have been placed under financial review. 

This call was the first indication that I was under review, and I asked on XXXX separate occasions during the recorded conversation why. On each occasion, I was told unequivocally that information would not be shared with me because it was proprietary information. 

I highlighted that both accounts are in good standing, having a XXXX balance on both accounts. I also pointed out that I have not requested any loans, changes in credit status, or changed anything that should trigger such review action. Furthermore, I have had a stellar relationship with American Express over the last six-plus years. 

I asked " Why haven't I received this in writing and when will written documentation of everything that transpired be provided? XXXX replied the documents have been mailed as well as an email have been sent. I asked her when the letter and email were sent. XXXX replied today XX/XX/XXXX. I asked about the legality of this unwarranted financial review and account suspension without notice. She replied by promising to forward an email copy of the request for documents that she requires that I submit to save my accounts. These include the last XXXX months ' bank statements from the accounts used to pay my credit cards, XXXX months ' payment stubs from my work and she wanted me to declare whether I rent or own my current home. I must note here, none of these documents was mentioned in the request that I just received via email ( see attached ). 

This entire event feels heavily retaliatory based on the complaint currently being reviewed with the Office of the Comptroller of the Currency ( OCC ) about American Express and the company XXXX XXXX XXXX XXXX of which I am the managing XXXX. In that complaint ( Case # XXXX ), American Express has already attempted to mix/cloud my personal information with that of the business. Now again, they are taking unjust actions on my person because they were caught in wrongdoing with my business. 

Please help me understand what law allows them to take such an accusation stance with a long-standing customer, with no warning or communicated justification for their actions. They have already attempted to malign my professional reputation with their shady actions relating to my business, now that I am taking them to task for that, they are attempting the same on a personal level. 

I ask for your intervention in this malicious and vindictive action by this corporate entity against a hardworking minority business owner and upstanding citizen.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Systems,Inc. (TX)

I have been disputing the late payments showing on my account for XXXX XXXX XXXX which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any ACCOUNTS later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2023-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I received a letter from Citibank dated XX/XX/XXXX asking me to contact the bank about a Savings Plus account ending in XXXX. I spoke with XXXX XXXX ( XXXX ) and provided him with the Know Your Customer ( KYC ) information over the phone. I also sent Citibank a copy of my valid New Jersey Driver License to CITI KYC ( XXXX ). I followed up on XX/XX/XXXX and again on XX/XX/XXXX to ensure the matter was resolved to their satisfaction. NO RESPONSE! 
I then received a second letter dated XX/XX/XXXX which stated that " Your account is at risk of being restricted. Information needed by XX/XX/XXXX. '' I called XXXX XX/XX/XXXX and spoke with " XXXX '' in XXXX, XXXX. Again, Citibank never got back to me to confirm the matter was resolved. 

Today, XX/XX/XXXX, I discovered that said Citibank Saving Plus account ending in XXXX is blocked ( Restricted ) and I can not access the {$1900.00} account balance. I called XXXX and spoke with Citibank KYC employee XXXX XXXX in Kentucky, but he needed permission to remove the block on my Saving Plus account. I need to withdraw the account balance but can not do so because Citibank is effectively holding me and the account co-owner ( XXXX XXXX  XXXX ) XXXX. I have documentation to prove that I complied with Citi 's KYC request. 

The Citibank KYC reference number is : XXXX - XXXX. 

Please help. I am a former Citibank Compliance Testing Vice President ( XXXX - XXXX ) and no one at Citibank appears empowered to change the posting status of the Savings Plus account so we can close it. 

I can be reached at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-07-01
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. (WI)

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 XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 2022-11-29
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: EQUIFAX, INC. (NY)

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (GA)

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Consumer complaint received 2023-05-30
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. (NY)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (MA)

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 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX can not supply proof of payment via statement stated XX/XX/2023 for payment in the {$14000.00}. It is not available online as well. They can not offer an explanation as to why the statement did not generate with my payment details. Due to the large payment amount I need proof of transaction. It is not listed on the XX/XX/2023 or XX/XX/2023 statements.
Consumer complaint received 2023-01-25
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. (GA)

I have made several attempts with Transunion to deleted inquiries from my report that they have not verified. I have made no inquries with the following companies below. I have me attempts to contact the company inwhich all of them with no response. Spoke with Transunion on XX/XX/XXXX at XXXX and they are telling me that XXXX of the companies are not in my report. However, as I explained to them, they are still on my Transunion report from the Transunion website. I would like these inquires to immediately be deleted from my credit report and a copy of the report to my mailing address. The companies in question are XXXX XXXX XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Requested On XX/XX/XXXX XXXX MORTGAGE XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Requested On XX/XX/XXXX This is from my actual Transunion credit report. So for them to tell that they dont show them is proof that they did not verify these inquiries and I would like them to be Deleted from my credit report immediately. Thank you
Consumer complaint received 2023-05-31
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. (MN)

The following hard inquiries currently listed and showing on my Experian credit report is unauthorized and not my hard inquiries : XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX, XX/XX/2023.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX