davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
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. (IL)

Im reaching out because on the dates of XX/XX/19, XX/XX/19, and XX/XX/19, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX   Original Creditor : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.
Consumer complaint received 2023-05-24
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-01-10
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. (NJ)

A lot of the accounts created like XXXX  XXXX XXXX isnt mine. Reissue all my lonely in a prepaid bank card and send it to me
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

I submitted compaint ID XXXX on XX/XX/2019. The company responded back on XX/XX/2019 with an itemized statement with my personal protected information and I believe they are in violation of HIPPA laws. I never authorized them to have my personal information nor access to any medical procedures that were done to me. They stated I owed them {$2500.00} initially, then {$1200.00}, then, {$1100.00}, then {$1100.00} and now my credit report says I owe XXXX. I am demanding this be removed.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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 Account 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 2018-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

*My compliant is that I feel Bank of America did a 'Bait and Switch ' tactic to get me to move forward with my application. Below is my account of the events : I applied for a HELOC through Bank of America on XX/XX/2018. I spoke with customer representative XXXX XXXX, MLS XXXX. He asked me a series of questions, including by house mortgage balance, my estimated credit score ( Which I stated was around 700 ), My income, and other information along these lines. I also allowed him to run my credit. I was looking for him to give me an accurate quote for an interest rate, line of credit amount and term length. During the conversation XXXX indicated that I would be able to qualify for a line of credit amount of {$67000.00} at 4.25 %. I confirmed with him that this was going to be the term of the agreement prior to and after he ran my credit. XXXX strongly inferred that I would qualify for the terms he was stating and also stated 'I guarantee you qualify for this ' at some point in the conversation. It was because of this that I decided to have my credit run and to move forward with the application. He state the next steps in the process would be for underwriting to call me to collect some more paperwork. 
When Underwriting did call ( XXXX XXXX ) she stated that she had a new offer for me. She stated I only qualify for a line of credit of {$33000.00} at 7.69 %. I asked her why the drastic change in terms and stated that it was because of the high debt to equity ratio. I told her I felt that XXXX pulled a 'Bait and Switch ' with me because he quoted, and practically guaranteed my terms so he could get the application moving forward. 
I asked to speak to XXXX 's boss and stated my feelings of dissatisfaction and that I felt tricked into applying for the loan. I asked her why XXXX would have stated the terms and guaranteed them. XXXX 's boss wasn't sure why he may have done that because he doesn't have access to view credit reports and can only go off of info that I provided. 
I also called up XXXX 's boss, ( XXXX XXXX ) and spoke with him about the issue. I asked both XXXX and XXXXXXXX XXXX boss to honor the terms that I was quoted by XXXX but both said they were unable too. XXXX did indicated that he would review the phone log that was recorded between me and XXXX to understand why there was a break down in communication. 
So there should be a recording that can be reviewed to substantiate my compliant. 
*Note I do have a letter that Bank of America sent me that substantiates the initial terms that XXXX stated to me. I don't have the letter as of right now to upload but can do so if required.
Consumer complaint received 2023-05-24
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. (CA)

Shortly after returning from over 4 years XXXX XXXX XXXX XXXX XXXX XXXX charged me {$1400.00} in error, and despite numerous representatives telling me that the charge would be removed, it was never deleted from my account. I tried to get the attention of a supervisor or empowered representative from XXXX over ten times of several hours on the phone to ensure they followed through, but eventually I gave up and decided to go with another provider. Recently, despite an XXXX XXXX XXXX, I was denied a credit card because of a single negative mark on my credit from XXXX. I disputed the negative mark with Experian twice and each time they apparently conducted an investigation, but no information on the legitimacy of the charge from XXXX was provided to me and instead the negative mark continues. I do not want to have anything to do with XXXX after this colossal waste of my time trying to fix this error, but I still need this to be removed from my credit report. XXXX is famous in online reviews for being difficult to reach and unwilling to fix legitimate customer billing errors. XXXX representatives promise that errors will be fixed, but then do not follow through and the customer is left with the onus to either just pay, or have to call and explain the situation again and again.
Consumer complaint received 2020-01-14
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. (CA)

XXXX XXXX XXXX, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, XXXX XXXX XXXX who credit damages me in their extortion attempt.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (IN)

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my Equifax and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my Equifax report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX one last opportunity to resolve this matter amicably.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

I FILED A COMPLAINT ALREADY. I HAVE HAD MEDICAID FOR 19 YRS. THIS SHOULD NEVER HAVE BEEN BILLED TO ME. I WAS NEVER NOTIFIED OF THIS ACCT I HAVE CALLED THEM AND THEY REFUSE TO RESPOND. ITS MY RIGHT AS A CONSUMER TO HAVE THIS ACCT REMOVED.
Consumer complaint received 2022-02-21
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. (NE)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute on XX/XX/2020 for a collection that shows on my transunion report, Transunion responded to me : " we found the information you disputed does not currently appear on your Transunion credit report '' This is false and it is still affecting my score and credit.
Consumer complaint received 2020-01-14
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. (FL)

THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.
Consumer complaint received 2020-01-10
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: DISCOVER BANK (OR)

I am a victim of fraud. I had discovered that credit cards had been applied for and used using my identity. The moment I learned of this, I immediately called Discover card services and notified them and told them to freeze the account. I was not sure exactly what else to tell them at that time. I then called XXXX XXXX and started an account. Some time after that I received a bill from Discover, and so then I called them, they kept asking if I wanted to stop account and get a new one. Their wording was very confusing and they just kept asking despite me telling them that this is fraud and they needed to stop the account. Some time after that I received a new Discover card in my name with a different account number, and also a bill for the fraud account. I then called Discover again and told them that I dont want an account and that its all done under an action of fraud. The lady got very mad and told me that this is what I requested. 
I filed an FTC report and went through the processes and ended up having to request the credit reporting beuros to block the information, they did block it, but months later they unblocked it. I then requested another investigation with both Discover and XXXX. They both said that the information was correct. 
I have letters from Discover stating that the account was found to be fraud and also four different account numbers on the papers from Discover. When I requested all informationf from Discover, they sent me only the paperwork with the original account number. I still have all the papers with the different account numbers and them stating the account was found to be fraud. Discover has cost me well over $ XXXX in failed transactions and so much more!
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

I was financed with the company back in XXXX due to some financial issues. I had to voluntarily give up the vehicle. A year later estimated was XXXX of XXXX. Since then the company has reported my account as opened when this account has already been. Closed due to the repossession. They are charging me every month as if I have vehicle and as if I am past due Since giving up the car. They tell me the they don't have possession of the vehicle which I have spoken to the repo company and the loan company to voluntarily give up this vehicle. They are reporting to the credit bureau every month as a late payment over twenty four months are showing late since the repo. They are claiming they never picked up the vehicle and don't have the vehicle. I have tried reaching out to find a resolution and can not get them to fix it. My credit is being affected the balance is showing over 28 thousand dollars and keeps growing they keep reporting the payment late every month this should have been closed and reported as a repo.
Consumer complaint received 2022-12-27
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: AMERICAN EXPRESS COMPANY (CA)

Had a transaction on XX/XX/2022 which was supposed to be credited back in the amount of {$300.00}. Called at least 6 times and chatted the same to get the offer. Was finally told by representative XXXX that I needed to call after XX/XX/XXXX for it to be manually applied. On XX/XX/2022 was told to pound sand.