davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

After reviewing my TransUnion credit report side by side with XXXX XXXX XXXX I've multiple inconsistencies and inaccuracies with the TransUnion reporting. I am demanding TransUnion remove this account immediately. 

Pursuant to : 15 U.S. Code 1681s2 - 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. 

I also believe TransUnion is guilty of [ 15 U.S.C. 1681n ] Willful Noncompliance
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2022-10-01
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. (NC)

accordance with the Fair Credit reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To whom it XXXX concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AZ)

I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.
Consumer complaint received 2016-10-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (TX)

I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.
Consumer complaint received 2019-12-27
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. (CA)

On XX/XX/2019, I requested that Equifax block information which was reporting on my credit report as a result of identity theft, pursuant to 605B of the Fair Credit Reporting Act. 

I provided a valid identity theft report from a Police Department which listed the account in question, a copy of my identification and a request to block the account. The account had already been appropriately blocked by the other two credit bureaus, Transunion and Experian. 

Equifax failed to block the account. Equifax failed to respond to my calls and written communications. Instead, on XX/XX/2019, within 48 hours of the request, Equifax sent me a form letter which stated that it " is not blocking the information '' pursuant to section 605B ( c ). '' Equifax failed to provide any facts whatsoever or explain how the basis for its determination, within 48 hours, that : " ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. '' Instead, Equifax urged me to " contact the source '' directly, file a CFPB complaint, or " obtain documentation from creditors showing an account does not belong to you. ''
Consumer complaint received 2019-11-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (TX)

I surrendered my Volvo old lease for a new lease offer with Volvo and after 1 month I have received a bill with an " excess wear & tear '' in tires for {$780.00}. 
Volvo Dealership accepted my old lease after check all the car with no issues the same. They didn't tell me that I have to pay anything ( I think because they wanted to sell the cars : 3 cars, XXXX $ value the same day ). After I signed contract, one month after, I received a bill for excess wear for tires, and they try to charge me premium brand tires ( 3 ). Volvo dealership now says is not his fault, it is a problem of Volvo Car Financial Services, and Volvo Car Financial Services says that the responsibility of not telling me is the Volvo dealership AND THAT THE DEALERSHIP IS NOT AN AGENT OF VCFS SO WHAT THEY SAY IS NOT VALID FOR THEM ( but the lease contract is signed by the dealership ). 
Customer service is awful, after 3 complaining letters they don't answer any questions nor justify charges or honor their promises ( VOLVO promises, for me, dealership, volvo brand, and volvo car financial services are the same )
Consumer complaint received 2022-10-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right so 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.

i did not give anyone written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX : case number XXXX Made a complaint to the federal trade commission ( FTC ) XXXX
Consumer complaint received 2023-08-18
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. (MI)

XXXX XXXX never updates my credit reports to reflect proper information. They also have refused to lower my extremely high interest rate and don't base my credit line on proper info like my salary which is well into the XXXX figures or XXXX XXXX. My score is XXXX and yet I have an interest rate based on high risk. I'm not. I've never missed a payment in years.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (KS)

Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX for rent XXXX is inaccurate. I have never been a tenant at any property managed by XXXX and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I sent documentation the XXXX to remove items listed below from my credit report due to them being fraudulent accounts. XXXX claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC XXXX to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-14
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. (SC)

My purse was stolen in the XXXX that had my social security card, and driver 's license, along with my phone. I filed a police report in addition, I have a signed affidavit that I have sent to all of the companies. I have also sent these items to the credit bureaus. The credit bureaus refuse to take the items off of my credit report. I also have documentation from some of the companies that have done an investigation and they concluded that the account that was opened was opened fraudulently, the rest of the accounts the credit bureaus refuse to remove the accounts despite providing documentation of identity theft.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (NY)

I received a collection letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX. This is in connection with XXXX XXXX XXXX XXXX, a local telephone company that is widely known to engage in fraudulent billing. for years we had our service with them on a monthly fixed rate. All of a sudden, they started charging bogus charges. We contacted them and they admitted that these charges were not applicable. They promised to issue a credit. The promise never materialized. As this was going on for month after month, we were unable to get the credit on our account I closed this account and paid all legitimize charges, and deducted the overcharges. I also contacted the New York State Public Service Commission which told me not to pay any of the overcharges. Now XXXX placed me on collection through Credit Collection Services and contacted all 3 credit bureaus and my credit rating plummeted. I send a letter to Credit Collection Services and XXXX. The responded with a studied silence.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (SC)

We have had several calls for repayment. We ha ve stated that we do not have the money at this time and will not have it anytime soon. The lady from Mariner finance XXXX phone number XXXX XXXX XXXX called my husband and threatened to have our wages garnished if payment wasn't recieved today XX/XX/XXXX. She was very rude and unprofessional. She stated she wasnt worried about the collateral but would get her money one way or another.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Experian and XXXX continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (OH)

I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me. 

When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.
Consumer complaint received 2023-03-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC (NJ)

XXXX XXXX keep calling both my home phone and cell phone. 
I have no outstanding debts with anyone. 
I feel they are harrassing me and they keep leaving messages that it's " in my best interest to call them. ''
Consumer complaint received 2022-09-02
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. (AZ)

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.