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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm begging to ask for the removal of late dates on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened XX/XX/XXXX. XXXX and XXXX already complied with my request and only your bureau is left the keep a noncompliance and this behavior is a clear violation against the law.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from TEXAS XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!
Consumer complaint received 2021-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX  for the past several months has not been posting my payments with my Capital One Credit Card. My payment history with my Capital One Credit card is always XXXX or XXXX months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on my credit report.
Consumer complaint received 2022-04-18
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. (VA)

I have disputed an alleged bankruptcy being reported by Transunion several times from the year 2020 to now. The bankruptcy is being reported by Transunion as a XXXX XXXX XXXX with Docket # XXXX. Transunion has sent results many times claiming that they verified a bankruptcy in my name with the courts. I wrote a letter to the courts and they sent me a letter stating that they do NOT report or verify any public record information or any other information with credit reporting agencies. I have sent this letter from the court to Transunion several times and they still claim that they verified the alleged bankruptcy with the courts. Also, I have asked several times in my dispute letters for Transunion to send me the original documents bearing my signature that prove the alleged bankruptcy is mine and to send me the name of the person at the courts they spoke to so I can follow-up. But Transunion continues to ignore these requests. To this day, Transunion have never provided me with any original documentation bearing my signature or the name of who they spoke with at the courts to prove how they verified the alleged bankruptcy. Transunion has proven that they can not properly verify the bankruptcy they are reporting because they have not provided original documents or the name of whom they spoke to at the courts. By law, they are supposed to properly verify disputed items or remove it. I have attached the letter from the court, dispute letters I sent to Transunion and results from Transunion where it can be clearly seen that they lied about verifying with the courts. The letter I received form the court is dated in 2020 which proves how long Transunion has been lying about how they verified the bankruptcy and how long I have been trying to resolve this issue with them. Transunion is continuing to violate my consumer rights by reporting inaccurate information and lying about how they verified that information.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I paid for a bond that worked as a security deposit ( XXXX ) at move in that covered an amount up to {$1000.00}. I sent this documentation to the original leasing company and never got a reasonable response. The only charge at move out was for {$120.00} for cabinet cleaning. This charge is not owed by me, as it needs to be charged to the deposit.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX, I received a Writ of Execution and a Notice of Execution after Judgement from the Office of the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, for Allied Collection Services , Inc., with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NV XXXX as Attorney for Plaintiff. It was for a medical bill that I had with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX, Account # XXXX, for {$790.00} in XX/XX/XXXX. I have never received anything else from them the insurance said they had to send some documents in before they paid and that is the last I have heard from them. Now this Allied Collection Services had added that the bill was {$1300.00} and they have added ; Principal {$1300.00} Pre-Judgement Interest {$440.00} Attorney 's Fee {$1100.00} Costs {$290.00} JUDGEMENT TOTAL {$3100.00} Accrued Interest {$7.00} Accrued Costs {$35.00} Fee of Writ {$25.00} ACCRUED INTEREST COSTS & FEES {$68.00} Garnishment Fee {$5.00} Postage/Other {$7.00} Levy Fee {$30.00} Commission {$65.00} TOTAL LEVY {$3300.00} I called Allied Collection Services XX/XX/XXXX, and told them I had not received anything regarding this medical bill since XX/XX/XXXX and I had not received anything from them saying they had taken over the debt or anything about aa court date or that they were garnishing my wages. She said they sent a letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have lived at this address since XX/XX/XXXX. I have not received anything from this Allied Collection Services until I received the Writ of Execution saying they were garnishing my wages. My name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (AZ)

I contacted the company on XX/XX/XXXX to start the voluntary repossession process. I called on XX/XX/XXXX as no on one had contacted me as I was instructed.I was advised everything was approved and the vehicle was assigned to a towing company and to call back on XX/XX/XXXX or XX/XX/XXXX and I would be provided the name of the company. I called today ( XX/XX/XXXX ) only to be told that someone internally from American Credit Acceptance went in and deleted my request without me asking them to and it had to be resubmitted and all I can do is wait. I am moving in 3 weeks and I have given them ample notice to come and get the vehicle and they refuse to come get it.
Consumer complaint received 2022-04-18
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: AMERICAN EXPRESS COMPANY (NV)

Yes, I have tried to contact you guys multiple of time over the phone that I'm in the military and that I was told that american express Would waive off the annual fee but i kept getting different answer over the phone XXXX rep has told me that i wouldn't need to do anything and a few other rep took down my social number and date of birth that i would need to submit a claim.. is there way for me to get this done asap? I'm just tired of getting different answer on what to do.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

In XX/XX/2020 I have received a marketing offer ( attached ) for a business visa card that requires a spending threshold of {$7500.00} in first 120 days to receive a {$750.00} bonus. I applied for the card and received it. However the credit limit was set at {$1000.00} making the threshold meet impossible. I have contacted the XXXX of the card at the bank and ask for either increase of the credit limit to {$8000.00} so the spending threshold can be met or transfer my credit limit from other existing credit card that I have with US bank that has currently {$0.00} balance. The staff at the US bank refused and the supervisor at the bank XXXX informed me that he's not authorized to address this issue. 
Here is the bottom line : it appears that the US Bank sent me an offer in bad faith as it has sent the credit limit purposefully low so the offer 's spending benchmark can not be met.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (PA)

FLAGSHIP CREDIT HAS BEEN DISPUTED WITH ALL 3 CREDIT AGENCIES FOR INCORRECT REPORTING, CREDITOR NOT VERIFYING AND VALIDATING THE DEBT, SHOWING ANY PROOF OF CONTRACT WHIT VIOLATES 15 USC 1681 CONSUMER REPORTING LAWS. THIS ACCOUNT NEEDS TO BE REMOVED FROM XXXX AND XXXX, AS XXXX HAS ALREADY REMOVED THE ACCOUNT. THERE IS NO SET CONTRACT WITH FLAGSHIP WHICH PROVES THAT THEY WERE NOT GIVEN PERMISSION TO REPORT AN ACCOUNT TO THE CREDIT AGENCIES.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.
Consumer complaint received 2024-03-12
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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 2022-04-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2019-06-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is my second time reaching out to the agency about Bank of America not honoring my claim dispute with XXXX. In XX/XX/2022, I contacted Bank of America and informed them that my account was fraudulently charged by XXXX in the amount of {$230.00}. In XX/XX/2022, I filed a complaint with the CFPB because my claim was denied by Bank of America. In XX/XX/2022, I received a call from the XXXX XXXX representative and she explicitly told me to refile my claim because the initial dispute was incorrectly filed as a billing dispute. Accordingly, I filed my claim again with Bank of America and my account was issued a temporary credit. Well last week, I received a letter indicating that my claim was denied because it was a duplicate. This is ridiculous and I followed all instructions provided by the BofA representative. Most important, their response letter affirmatively told me to refile my claim. BofA is violating my consumer protection rights.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IL)

Was charged {$140.00} in interest, however per the recorded phone call on XXXX XXXX, I was told there was a credit being given back to me. Taken the promised credit, credit from returns and payments, it covered that statement balance. Ive been a long time customer and always pay my card in full. If I was not going to be given the credit, they should of not told me and I would of paid the difference to avoid interest charges.
Consumer complaint received 2022-04-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vital Solutions, Inc. (NJ)

The debt in question was with XXXX. The dealership where we leased did agree to absorb the debt in lieu of leasing a new vehicle with the same company. We have explained this to the agency that is attempting to collect this debt and requested that they contact the dealership directly. They refused. They refuse to hear anything we are saying. It is not my job to make sure that the proper agency received the proper paperwork from a different agency altogether. I signed a contract with XXXX of XXXX and they agreed to handle this. They did not.
Consumer complaint received 2022-04-18
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. (TX)

Hello, I am submitting a complaint against Equifax and XXXX for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a XXXX lawyer due to your negligence
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXXXXXX XXXX  in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX Account # 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 2022-04-18
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX Account # 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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I viewed my credit reports and was shocked to find so many errors and incorrect information on my XXXX, XXXX, and Experian credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted XXXX over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this issue.