davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

Once I visited Macy 's store in XXXX, I was persistently offered their credit card on terms that there will be a 20 % discount on making first purchase at the store. I didn't have to buy anything that day and I confirmed this from the person who issued me this card that I'll come later and I'll still get the discount. When I visited later, at the billing counter, the concerned person again told me that the 20 % discount will appear in the monthly statement. That never happened, I received the bill without discount applied. I raised the issue several times over email as well as phone- it was never resolved. Since I was billed wrongly, I didn't pay the bill and kept requesting to fix the mistake. Instead of fixing the bill, I started receiving the bill with late fee on top the wrong bill. I again kept calling, writing mails to your team to get it fixed. Instead, my credit score was devastated. Please fix the bill and also report to the credit bureau so that the mistake is undone. I've gone through enough mental stress as of now, please don't aggravate it by not fixing the mistake that happened at Macy 's end
Consumer complaint received 2020-08-03
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: Asset Management Outsourcing, Inc. (GA)

XXXX XXXX {$1200.00} XXXX XXXX {$1400.00} I called the insurance company and the hospital about these bills
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

In XXXX, I filed a complaint regarding Transworld Inc, a private debt collection on behalf the The XXXX XXXX " XXXX XXXX and TXXXX XXXX XXXX XXXX '' My complaint went unresolved. However, both XXXX XXXX ( XXXX ) and Transworld sent letters of debt collection, yet the copies of letters violated the of 60-day Treasury Offset Payment by taking federal tax return prior to 60-days. 
I received a letter back in XX/XX/XXXX regarding collection of 15 % from social security starting XX/XX/XXXX. 
Since XX/XX/XXXX, Transworld has been charging an interest to my XXXX XXXX balance debt. In XXXX and XXXX, my federal tax return was taken but the amount only paid the interest set by Transworld. 
I received a XXXX XXXX XXXXXXXX and {$220.00} is deducted and applied to my debt payment. However, {$200.00} is paid toward my debt. My federal debt to XXXX is not being paid but only the interest. Missing amount of {$18.00} is not accounted for. 
I believe Transworld has stolen {$18.00} from XXXX  and we have no agreement and why is the interest being paid and not my balance to XXXX? 
In conclusion, I have been deceived by Transworld, by not honoring the 60 days, no agreement on interest and theft of funds.
Consumer complaint received 2023-05-17
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)

In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

The account with XXXX XXXX is not my account. I have contacted XXXX  on multiple occasions requesting a copy of the original contract which should include my wet signature and a picture copy of my ID. I have not been provided with this information. Please provide this information within the guidelines stated above according to the law.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,
Consumer complaint received 2020-04-07
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. (OH)

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus equifax, XXXX and XXXX that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 capital XXXX JPMCB XXXX XXXX XXXX on XX/XX/2020 XXXX bank on XX/XX/2020 BK OF XXXX on XX/XX/2020 XXXX card services on XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I strongly believe there was a misrepresentation with regards to the two CC account that were opened up. 

The applicant was never informed that the application was a promissory/instrument that was monetize and/or securitize without the Applicant/Grantor being fully disclose to. 

That why as the grantor of both said accounts that I demanded that the CEO of XXXXapital One produce all documentations regarding this matter.
Consumer complaint received 2022-03-02
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. (GA)

I sent out a letter to Experian and XXXX on XX/XX/XXXX. My current Experian credit file is showing a XXXX Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from Experian 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. XXXX and Experian has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Associates LLC -XXXX : This is being reported to my credit file erroneously as I have paid this debt and no longer owe this balance. This needs to be removed from my credit file immediately!
Consumer complaint received 2022-10-22
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. (LA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting that I have a chapter XXXXI have never filed a chapter XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXX.I called them and they are trying to put the blame someone else.
Consumer complaint received 2022-02-28
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)

I have contacted : XXXX XXXX XXXX - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS EQUIFAX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, XXXX, AND EQUIFAX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! EQUIFAX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
Consumer complaint received 2022-10-22
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-02-28
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. (OH)

Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, XXXX XXXX
Consumer complaint received 2022-02-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-02-28
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (AZ)

I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX  & XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX
Consumer complaint received 2021-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

I Have made multiple attempts to have this account taken off my report their is a Breach JJ Marshall sent me a letter that violated Hippa Law The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX