davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

After learning my rights as a consumer I sent a letter to the cfo and ceo of American Express explaining the rights they violated, how I dont owe any debt and how they are illegally reporting information such as late payments and utilization in my report. I told them I need to get paid $ XXXX each late payment, utilization posted and also each violation I found on the statement. A person named XXXX sent me a letter stating that I am bound to the card ember agreements to make payments and if I dont then they will be reporting my account as delinquent to the consumer reporting agencies. 15 USC 1681 states how no one cant report anything or share information without my written consent and also how transactions and experiences are excluded for a consumer report. 15USC 1666b basically explains how there is no such thing as a late payment, there isnt no such thing as a late payment because the debt is already paid for law 18 USC 8 states how The United States is accountable for all obligations. I am a living soul from God and can not and will not enter a contract with a corporation. I am not a fictional limited liability entity otherwise known as a corporation. Also in the transactions I see it states I was charged a finance charge but according to 15USC 1605 finance charge means the sum of all charges, why is American Express changing the definition of a finance charge. In the statement that came in the mail I saw a lot of violations about payments American Express thinks I have to pay, a fictitious name and address that belongs to my trust estate and not me and according to 18 USC 1342 any fictious name or address and not the proper name or address can result in 5 years in Prison and fined. Also them saying I still need to make payments and how they are going to report my account as delinquent to the consumer reporting agencies can result them in 20 years in prison and fined according to the law 18 USC 894. I am a loving soul created by god and not the state u am not an employee so there is no contract between me and American Express. American Express needs to act as the role of a trustee not benefiary. I am the beneficiary of my trust estate not American Express.
Consumer complaint received 2019-10-18
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)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-05-23
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: The CMI Group, Inc. (SC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} Credit management Lp {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WA)

On XXXX XXXX, 2022, I accidentally scheduled an online payment in the amount of {$2700.00} to be applied to my account, which brought the balance to {$0.00}. On XXXX XXXX, 2022, I contacted the company and requested a refund, as I had only intended to make a {$200.00} payment, and this had negatively impacted my bank account. On that date, a payment refund request was submitted for the difference of the intended payment amount totaling {$2500.00}. On XXXX XXXX, 2022, the payment refund request was honored, and a refund check was mailed to me in the amount of {$2500.00}. 

In the meantime, on XXXX XXXX, 2022, my credit limit was decreased from {$4400.00} to {$100.00}. I am told by Synchrony Bank that they sent a letter notifying me of this decision on XXXX XXXX, 2022. I did not receive that letter, until they sent me a digital copy in XXXX of 2022, upon my request. Synchrony Bank has indicated they based their decision to reduce my credit limit to {$100.00} on " an overview of your account and your credit file. '' They noted this is not the result of my asking for a refund, but rather a coincidence of unfortunate timing. They also note I have a satisfactory payment history with them. This decision resulted in my credit account with them showing- {$2400.00}, and the balance has since showed significantly negative, until paid off. 

This negatively affected my credit score. I submitted a direct complaint to the company and requested either that they restore my credit limit or offer a solution that would not negatively impact my credit score. They declined. I submitted complaints through the XXXX, and they have refused to resolve the problem as they stand by their original decision. I maintain it is unfair and unequitable to reduce my credit to {$100.00} AFTER I requested a refund, and subsequently, two days later, send me a check for well over that amount to honor my refund request.
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (GA)

AS OF XX/XX/2019 XXXXXXXX XXXX-ORIGINALLY CREDITOR WAS XXXX REMOVED A CHARGE OFF OF {$190.00} REPORTING AN INCORRECT ACCOUNT NUMBER AS WELL OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),
Consumer complaint received 2019-10-18
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. (GA)

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH XXXX  AND TRANS UNION, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I entered my new mailing address on the bank ; s website, but it rejects it as invalid. I tried doing so several time over many days. But, the USPS delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is incompetent. I no longer receive statements and can not use my card because of this. The bank 's cavalier attitude is not in the public interest. Its IT executives should be fired!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1100.00} XX/XX/18 XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX  {$7600.00} XX/XX/18 XXXX XXXX XXXX XXXX {$190.00} XX/XX/18 WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-31
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: BANCO POPULAR DE PUERTO RICO (VA)

Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.
Consumer complaint received 2019-05-01
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. (VA)

XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.
Consumer complaint received 2022-05-31
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: NAVY FEDERAL CREDIT UNION (NC)

Im accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-01
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. (NC)

I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (MI)

Sunrise Credit Services Company has called repeatedly in regards to a collection account that I do not owe. They have been calling since XX/XX/2019. I spoke to the company XX/XX/XXXX, and they were unable to verify my name and and address, and had an Address on file Ive never lived at before. They had stated that I am not the person they are looking for, but they are still harassing me to this day.
Consumer complaint received 2019-07-01
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: Meade Recovery Services, LLC (UT)

Meade Recovery keeps reporting to my credit. There are two accounts they keep reporting. They were included in my bankruptcy. I have put hours of work into this. It gets removed and put right back on. They provided me a letter that there are no accounts with them whatsoever at this time. Please help me. This has cost me a great deal of problems and money when trying to build my credit. I qualify for loan and then they decide no. I have terrible credit cards because of this issue. Also XXXX XXXX XXXX  keeps showing the incorrect balance. It has never been over the limit. Thank you.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (TN)

Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit repert. It is my understanding that you will recheck these items with the creditor who posted them. 
I want the CFPB to publish this description on consumerfinance.gov so that others
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts, Inc. (WA)

A law suit was filed against me for my ex-husbands childcare debt at XXXX XXXX XXXX in XXXX, Washington. He left a {$5100.00} debt unpaid in XXXX of XXXX, we were legally divorced XXXX XXXX. When we separate in XX/XX/XXXXwe each had our own contract with XXXX and we both continued to use the daycare. I continued to pay my portion, he did not. 
The debt was bought by Automated Accounts Collection agency, I informed them it was not my debt. They started legal proceeding in XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwe had hearings scheduled ( I attended each one with my attorney ; one AA rep did not show ). At the XX/XX/XXXX, hearing the Attorney stated he was going to see why XXXX never pursued my ex-husband. We explained then to the attorney we were determined to go to trial if needed to fight this. There were no further court hearings, notices, or requests from Automated Accounts ( not even monthly statements of the account ) to me or my attorney. 
I notice my paycheck was greatly reduced on XX/XX/XXXX, stating a writ of garnishment. I was not even notified of a hearing prior to prove my case that it was not my debt. After this discovery and talking with HR/finance dept, I tried to research what had happened. Automated Accounts scheduled a hearing XX/XX/XXXX ; they did not notify me or my attorney of it and moved quickly on a garnishment. Now they state the debt is {$7100.00}. 
I still hope to have my day in court and get this resolved.
Consumer complaint received 2022-12-18
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. (PA)

I live in PA. Someone with the same name or just used my name, opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They used my SSN to open the account sometime around XX/XX/2022 in XXXX Illinois. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on XXXX, and I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called XXXX and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like XXXX agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?