davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and I noticed some unauthorized inquiries on my credit report I proceeded to contact the credit reporting agency but they did not remove the unathorized inquiries.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is disgusting!!!!!!! They have lied to me over and over promising to " block '' the late payment information from " XXXX XXXX XXXX '' if I supplied them with Fraud documentation. Everytime time I call Experian 's Fraud Department I get a different set of requirements. Each time its more rediculous than the last request. The first time they said " Oh we need Police report '' the second time it was " Oh we need a police report that says Identity Theft on the report '' the third time it was " Oh we need a police report along with your identification '' and the fourth time " Oh we need the XXXX XXXXXXXX to sign your police report '' and on and on like i'm supposed to be a fool and be delayed every ( 30 ) days while they drop my credit score XXXX points. I have also included their emails showing all the " excessive and unreasonable requests '' see attached. CFPB you say that you regulate these people but you don't. Experian is not accredited by the BBB and they have XXXX XXXX complaints against them and counting. I question how they have been able to get away with their " juvenile delinquent '' behavior and not once has the CFPB ever corrected them. Experian was sucessfully sued in XX/XX/2022 for {$22.00} Million Class action settlement for sending incorrect information about consumers to third parties. https : XXXX. And sued once again for their {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX got hacked and their client T-Mobile customers information was leaked https : XXXX. All the Attorney XXXX got paid but none of the customers did? Sounds like they are making mistakes all the time and what is the CFPB doing to protect the general public from an agency gone unchecked? Apparently nothing. You ever heard of XXXX? Well its not just something that XXXX said its actually in the XXXX. You reap what you sow ... .God is not a fool and he will not be ignored any longer, you can be certain you will reap what you sow. XXXX XXXX.
Consumer complaint received 2023-02-11
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. (NC)

This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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
Consumer complaint received 2019-11-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

PORTFOLIO XXXX Late Payment This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance. Please delete this.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

LAST CHANCE FOR EXPERIAN TO REMOVE XXXX XXXX XXXX XXXX XXXX, THIS ACCOUNT IS VIOLATING THE XXXX EXPIRED ON COLLECTION. 
XXXX XXXX. ALL OTHER BUREAUS DELETED THIS INVALID ACCOUNT 3 YEARS AGO.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On or around XX/XX/2019 I was approached at the XXXX XXXX by a XXXX/American Express representative who was offering a promotion for increased miles. I told the agent that I already had a XXXX XXXX card and was not interested in getting a new card. They advised that was not a problem. They took my card information and had me sign a document and then said that I was eligible for a promotion through the XXXX/American Express Platinum Card. When I reiterated that I did not want to upgrade my card they informed me that it was just checking to see if I would be eligible for the offer and that I could choose to sign up or not for the Platinum card once I received information in the mail. Instead, I received a new Platinum Card in the mail. I contacted American Express on XX/XX/2019 and spoke to multiple agents, supervisors, and individuals in the customer retention department. Despite my conversations and even requests to speak with someone in the fraud department ( as I felt I had been defrauded ). I was told I had two options. I could keep the platinum card ( which has an annual fee that is {$100.00} more than the one I currently have ) or I could downgrade to the card I initially had ; however, doing so could put me at risk of being ineligible for future upgrade promotions. The could not just make me whole again and remove future ineligibilities. They claimed that nothing could be done, despite me being signed up against my will or knowledge. 

I would like to be in the position where I determine if and when I sign up to upgrade or change my credit cards.
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation (TX)

Date Assigned XX/XX/2021 PACIFIC CREDIT EXCHANGE Original Amount Owed {$4600.00} Amount {$4600.00} that i owe i have never signed any written document that I owe this debt to the collector.

they are violating my rights of the FCRA as a consumer.

I do not know who they are and have written consent from my end.

also, they have not verified that i owe this debt to this alleged company.

Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

Did not sent information to validate debt, Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (PA)

This company called me one day 1 minute apart I have the phone record on my phone I am at work and I know this is not legal - phone number is XXXX - XXXX calling from Phoenix Financial Services - I want this stopped its harrassment to call me that frequently especially when I am at work. They need to drop the  collections and remove the debt.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — Store credit 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. (KY)

If you look at my credit file from this creditor the balance was paid on XX/XX/2022. XXXX continued to charge interest on a {$0.00} balance. I made the final payments, account was showing as closed. when I disputed, they randomly re-reported the account as opened in XXXX and charged fees from {$0.00} up to {$270.00} dollars, reported it as 6 months past due, and the charged off this account. This has greatly and negatively affected my credit report on a huge error. 
XX/XX/2022 - {$750.00} balance paid in full XX/XX/2022 - {$2.00} balance, paid because I guess outstanding interest. 
XX/XX/2022 - {$4.00} balance, this should not exist, why after 2 months after payoff I being charged at all? 
XX/XX/2022 - {$11.00} balance, this should not exist, why after 3 months after payoff I being charged at all? 
XX/XX/2022 - {$24.00} balance, account now shows as closed no credit reporting for 6 months after this. 
XX/XX/2022 - {$270.00} balance, {$270.00} of which is fees is now shown and shown as 6 months past due. This is entirely predatory to charge {$270.00} on a {$2.00} balance.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

XXXX I was being asked by affirm to pay {$1200.00}. This information was presented to me in a Truth in Lending Disclosure but the address in the top left corner is XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I provided this information along with a copy of my California drivers license which shows has my current address on it. The company stated that they will be doing a thorough investigation however in their thorough investigation, they failed to see that this has never been my address in the past 12 years and counting. I contacted Affirm again to ask what more can i show that this purchase was not made by me and i was met with response that their decision is final and they can not do anything more for me at this time without new evidence. I have exhausted all my evidence that would have shown that I never opened this account and that i should not be held liable for this fraudulent charge.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (DE)

The following companies are involved in securities fraud via improper use of my private property and information. I DO NOT HAVE A SIGNED CONTRACT OR AGREEMENT WITH ANY OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC All reporting needs to cease immediately. DELETE all reports from my consumer credit file promptly. {$1000.00} fine per occurrence per federal regulations. THIS IS AN OFFICIAL NOTICE OF VIOLATION OF FCRA, FDCPA, UCC, UCCC, USC, AND THE PRIVACY ACT.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I applied online for a Chase Bank Amazon Prime Credit Card. I was mailed the credit card and activated it. EVERY SINGLE DAY, MY CARD IS FLAGGED FOR FRAUDULENT PURCHASE EVEN IF I AM ONLY MAKING A SMALL PURCHASE AT A LOCAL GROCERY STORE. THIS is causing a major inconvenience to my life. My card then I try to call and unlock it and Chase tells me that my phone number is not allowed to be sent a one time security password via text message. I have XXXX service and its a plan in my name with no call blocking features. Sometimes rarely instead of a text message they will ask me security questions based upon public information and my account will be unlocked but I will be able to use my card one time after it is unlocked and then it freezes again! I do not know where to turn, I need help this is causing a major problem to my life. I applied for that card to help me survive until I have other wages come in and I can not do anything. I can not buy food, pay car expenses, etc.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. In accordance with the fair credit reporting act convergent account Experian has violated my XXXXights..with a BK on my report 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.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have XXXX opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-27
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MS)

This is been going on with Chase 5 or 6 months. First, they sent me a credit card bill for a chase credit card I never owned or applied for. After about 5 months, I called again after contacting you, and they actually closed the account and sent me a written confirmation. 
In today 's mail, they sent me another credit card for which I did not apply. 
I want that card cancelled immediately. I cut the card into pieces upon receipt. Are these people at Chase criminals. What is going on. Please tell them I contacted you. 
XXXX XXXX XXXX XXXX, MS
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to fix this problem with XXXX XXXX XXXX TransUnion XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Consumer complaint received 2023-02-11
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. (TX)

FCRA Violation: name and address 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 XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: auto loan never late
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries 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 Violation: collection not mine
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (ID)

I visited with XXXX XXXX from Sequim Asset Solutions on XXXX XXXX. XXXX said that the account was turned in for collections on XX/XX/, and the information she gave me was that it was an XXXX XXXX  account that was opened on XX/XX/2023, and that it was from an address of : XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX She asked if I ever lived at XXXX XXXX XXXX or if have ever had XXXX service. I said I had not that I have been a XXXX customer for the past 20 years and have lived at my current address for over 19 years. 

In my research this is the information that I have found for the address. 
Phone number is XXXX and the address belongs to a XXXX XXXX.
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2023-02-11
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. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$1100.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX