davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (FL)

XX/XX/19 direct recovery services texed my phone, my sister phone and my brother in laws phone. This same company has placed calls and left messages stating they are serving me with papers on all 3 phones 2 months prior to this text today. 
they have been told to cease and desist at least 3 times. this company keeps non stop harras this is absolutely harassment and illegal to call or text relatives. 
they sent the message t call XXXX or log onto XXXX XXXX XXXX XXXX.do? customer ID+direct or use XXXX reply stop. 

how is it legal to contact someone who is not responsible for a supposed debt and the debt was paid to the creditor and should have never been sent to collections.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (VT)

When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.
Consumer complaint received 2022-05-30
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Act # XXXXXXXX XXXX act # XXXXXXXX XXXX XXXX XXXX # 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 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

1. One of my addresses was missing from the report so I called them to have it added and they wanted me to send them a copy of my deed. Because the property doesn't have a mortgage on it, they said I had to prove that I owned it before they would add it to my report. Since they can not be trusted with my personal information I refused to send it to them. I do not think it is appropriate for a credit reporting agency to request a copy of my deed.

2. They show a mortgage check numerous times for the same home. I had been advised when applying for a mortgage that it would only show up one time since closing can be a long time out. It is every month for 5 or 6 months that they show it as a hard inquiry on my report. I requested this be corrected to no avail. I received an email saying it was complete but when I tried to get into the file it stated there wasn't enough information on me.
Consumer complaint received 2022-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MO)

I, XXXX XXXX, a natural person, consumer, and acting without any help from a third party want to complain that I sent Calvary Port a certified letter asking for an audit trail so that I could validate this debt per my consumer legal rights which are to protect me. Calvary Port has not sent me an audit trail and it has been six months. During this 6 months they have continued reporting these inaccuracies in spite of them being disputed which is also a violation of my rights.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I purchased some items and a protection planfrom XXXX XX/XX/2022. On XX/XX/XXXX, the order was scheduled to be delivered on that date. My purchase was never delivered and someone had signed off on my signature. I was given a refund receipt implying that the item was delivered with no address marked and singed by " XXXX XXXX ''. Instead of completing my refund, my credit card company, XXXX, and XXXX to explain why or even make any attempts to correct the situation. I spoke with a supervisor, who did nothing to resolve the issue, instead telling me " a dispute will be filed and can take up to 120 days. I have received no calls or anyone trying to reach out to me in this frustrating time while I wait for my money to be deposited back to my account.I have also filed a police report.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
ACCORDING TO THE FAIR CREDIT REPORTING ACT.

15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report.

Late payments are a form of transaction and utilization is an experience created by credit usage. 
Transition is reporting late payments on accounts listed as : XXXX merger with XXXX an experience created as a late payment. This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish
a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 

I have never provided TransUnion, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. 
According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. The inaccurate reporting of these late payments and my privacy right have been violated due to TransUnion. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MO)

I am XXXX XXXX, a natural person, and no one is helping me file this complaint. I have sent several certified letters to this Debt Collection Agency CALVARY PORT requesting an audit trail to that I may have a chance to validate the debt, and for them to Cease and Desist reporting while I was disputing this debt. CALVARY PORT is in violation of my consumer rights by refusing to abide by the law.
Consumer complaint received 2022-06-19
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. (NC)

Sent letter on XX/XX/XXXX to XXXX XXXX  re : account closed on XX/XX/XXXX. This was due to the last XXXX XXXX crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have XXXX with them only for {$840.00} which is XXXX years. My request & removal of comments were denied. Their actions resulted in an Equifax score that is XXXX points below the other XXXX agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is XXXX XXXX XXXX. They continue to report both of XXXX negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only XXXX ( XXXX ) which is now XXXX years old. 

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all XXXX credit agencies.
Consumer complaint received 2023-10-17
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. (IL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$4400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/.
Consumer complaint received 2022-05-30
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. (FL)

in accordance with fair credit Act 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 A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.
Consumer complaint received 2022-05-30
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. (NJ)

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.
Consumer complaint received 2023-10-17
Product: Credit reporting 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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-30
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. (TX)

Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX, I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX working on my XXXX XXXX  know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-28
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: Continental Finance Company, LLC (CA)

I applied for the   XXXX   XXXX   XXXX   XXXX   XXXX   which offers credit to people with " bad credit ''. I was willing to pay their high fees to get a credit card where I would carry an unsecured balance as opposed to a secured card which I have already applied for and advanced money on with another company. I went through the entire application process only to be declined and offered another secured account where they told me to send them {$500.00}. It was absolutely misleading from the from the beginning. Their advertising says the card is appropriate for people with a credit score of between   XXXX   and  XXXX . Mine is  XXXX . Now that company has my personal information and did not come through with the credit they promised. upon completion of the application, I saw a page come up that said congratulations I received a credit line of {$500.00}. But then it suddenly went off the screen to another credit card offer. When I went to pull it back up they said I did n't qualify and that I would have to send them {$500.00}. Extreme false advertising. I would never have applied with them had they been honest. This company is committing fraud, perswading people to provide personal iformation such as email and phone with no intention of providing the credit they promise!
Consumer complaint received 2019-04-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldridge Pite, LLP (FL)

Aldridge / Pite, LLP is a third party debt collector with absolutely no authority to represent XXXX XXXX XXXX. as Trustee forPlaintiff, in the court file or in the record anywhere and according to FL Stat 2.505 ( e ) ( 2 ),  Appearance of Attorney : an attorney may appear in a proceeding in any of the following ways : ( 1 ) by serving and filing, on behalf of a party, the party 's first pleading or paper in the proceeding. ( 2 ) By substitution of counsel, but only by order of court and with written consent of the client, filed with the court ... Aldridge / Pite, LLP Law Firm are third party debt collectors, trespassers and interlopers and thieves trying to steal my home. They are not registered with the Florida Office of Financial Regulation or the State of  Florida.