davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a {$300.00} line of credit through Kohl 's department store Kohl 's collection department calls me within 2 days of the due date making false statements stating wrong amount due, telling me I've been turned over to collections, trying to get more than the amount due. Calls received are approximately 3 a day, every single day from XX/XX/XXXX from blocked numbers and last evening it came through Kohl 's corporate office. I'm going to pay the balance, the harassment is unbearable. Most recently on XX/XX/XXXX even though I was not delinquent, rep stated I was delinquent, I asked if it was in collection and he said yes, I proceeded to ask why I would be reported to the bureau if my payment were due 2 days ago? He played a lot of games with me I made two attempts with him to pay. I was harassed for 27 minutes to try and make a payment he had issues with processing the payment I had a fight on the phone with the individual, he was extremely rude defensive and retaliated, he refused to identify himself or transfer me a to a manager. Subsequently I have continued to have calls from Kohl 's on a daily basis because I've been put in a collection loop even though on the same day after calling twice, a supervisor was was asked to make a note on my account the payment would be put in the mail, it should be there in 7 days. This is their method of operation every single month the payment isn't made early or on the due date.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$630.00} Experian credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX
Consumer complaint received 2023-03-31
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. (LA)

My name is 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-24
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: EQUIFAX, INC. (IL)

I have contacted EQUIFAX over 25 times explaining that the accounts that are listed as XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX does not belong to me. The last dispute I sent them they deleted 6 of the accounts and left behind 6, I don't understand if you are deleting some why they are not deleting them all at the same time since I have provided them with proof that these account are fraud. I have sent in a fraud identity theft report, police report, ID, and social and each time I am transferred to someone in another country that does not understand what I am explaining and continuously read from a script. This is very annoying and cause me to keep calling and complaining on something that is clearly in black & white with the proof right there. One representative tells me to send the reports and I do another says it must have the account numbers on the police report but with one account with that name listed obviously this is the correct account. I have disputed & disputed & disputed and they keep saying verified. SO I ask how and to provide me with the verification method by law I am entitled to & then I hear nothing but the account remains on my report.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2021-01-01
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. (IN)

I sent all 3 major credit bureaus XXXX, XXXX, and experian a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Consumer complaint received 2023-03-31
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Experian continues to be elusive and evasive concerning a fraudulent credit card. I complained previously and they didn't respond. This account was previously deleted and now its back on my report. According to 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. This or no account should be furnished without my consent. 15 USC 1681 ( b ) ( 2 ) This is a violation of section 605 I did not authorize, consent to, nor benefit from this account. Please block and remove it.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX XXXX, and TransUnion. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XX/XX/XXXX - Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-04-04
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: CBC Companies, Inc. (CT)

I have to hard inquiries that I didn't do appear on my credit report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Incident happened on XX/XX/2021 around XXXX PST. My Coinbase account was hacked even though I have 2 Factor authentication and all my BTC and ETH positions were transferred out of my account. The hacker cleaned out my account.
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (OH)

This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates is trying to collect an incorrect amount on a debt from me, and they are also not licensed in the state of MN. PRA will not remove the innacurate information from my 3 credit bureaus though I have disputed the information numerous times with all 3. Now when they call me and I tell them that they aren't licensed in MN, they hang up on me. The last letter they sent me says it's from a debt collector, but it's not an attempt to collect a debt.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX  website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.
Consumer complaint received 2020-06-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal has closed my account down for no reason at all and told me they is no way for me to get the money in my account back. Im not sure if this is a mistake but I assume it is. They told me to wait 180 days for my money and that is something I cant do, I feel like they arent doing their job properly and this is effecting me as I really need the money in my account. My email link to PayPal is : XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (TX)

I send Nelson, Cruz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX a certified letter to provide documentation on a debt they are pursing. to prove the debt they say I owe is valid over a month ago. They have failed to respond and keep emailing me when I have asked them to stop. USPS Tracking # XXXX
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I bank with Capital One.. XXXX XX/XX/2021, there was {$500.00} transferred out of my account through XXXX without my authorization. I called the bank and filed the dispute. They informed me who the transfer went to and asked if I knew the person and/or authorized the transaction. I informed them I did not know the person and did not authorize the transaction. I changed my password to my online account. On XX/XX/2021, I received a call from an unknown person asking for a code saying they were with a loan company. I did not provide a code but asked them to send the information to my email which they did only asking for the code. I did not provide my email address yet they already had it. I contacted Capital One and let them know someone had contacted me asking for a code. They then informed me someone had tried to change the password on my online banking. The employee helped me change my password again as well as my username. I tried to provide the information about the caller asking for the code and the email address that the email was sent from. They did not want the information. On XX/XX/2021, my account was put on restriction. When I called, I was informed my account was considered a risk because it had been accessed by several different devices and they could not verify my story that I had not provided my login information for online banking. I told the employee that was exactly what the dispute was about. XX/XX/2021, I received an email that my dispute had been denied. While I can not " prove '' or " verify '' that I did not provide my online banking login information, I can prove that I was not in the locations that my account was being accessed from. The bank has not been helpful or willing to help.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... US DEPT ED XXXX ... MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.