davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-12
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: Central Portfolio Control Inc. (GA)

On XX/XX/2021 I contacted XXXX by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on XXXX.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit. 
Thank you
Consumer complaint received 2021-03-12
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from Midland credit management inc, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants Midland Credit Management Inc. the authority to collect this alleged debt. 
-Signed Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for Midland Credit Management Inc. in case any legal action becomes necessary. 

I also stated in my letter that if Credit Midland management inc fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from Midland credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (VA)

Paid Barclays Banana Republic {$2400.00} XX/XX/2022 XXXX XXXX  posted payment XX/XX/2022 I have mailed ( return receipt requested ) thru XXXX XXXX faxed, and discussed with Barclays reps proof of payment, providing the copy of the check, front and back. Check # XXXX cashed XX/XX/2022. 
On the back of check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS. XXXX Today XX/XX/2022 marks 3 months of dealing w/this My payment never credited.
Consumer complaint received 2024-02-22
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-15
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: JPMORGAN CHASE & CO. (CA)

I applied for a XXXX XXXX XXXX XXXX credit card via a banner ad while booking a XXXX XXXX flight. The banner advertised a {$300.00} statement credit and XXXX miles. After receiving my card, I did not see any information of this offer and called Chase to clarify. I called to clarify the terms of my minimum purchase requirements to get this statement credig. I am disappointed to learn that this is not an offer advertised that they would match. Their offer with my credit card is for XXXX miles and no statement credit.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$31000.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/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 als o 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I just tried to review my credit report and credit score via multiple credit depository sites and I learned that Equifax is the only credit bureau that would allow me to view my credit report. I called and spoke to a rep in their Consumer Affairs department and asked if I could just have my Security Freeze completely removed from my credit report that I originally requested be placed on my credit report because its hindering my from viewing my Equifax Credit Report. The rep told me that I could not have it removed. I asked why and she said it was their policy. So I informed her that it was my right per the FCRA law which grants me the ability to access all three of my bureaus at any time, but Equifax is the only credit bureau who has a secret policy in place barring certain individuals such as myself from accessing my credit report. Equifax is above the FCRA Rules which they are supposed to be following. 
I would like to have the security freeze that I placed on my credit report removed because it blocks me from accessing my own credit report.
Consumer complaint received 2019-04-16
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MD)

I received an invoice from First Credit Services ( FCS ) on XXXX XXXX XXXX ( Gold 's ) behalf, in the amount of {$110.00}, for 5 ( five ) months -- XXXX, XXXX, XXXX and XXXX, XXXX and XXXX of XXXX with respect to Membership Agreement # XXXX, dated XX/XX/XXXX. This is not my responsibility. Please see the attached invoice - XXXX History debit/credit card voucher containing Mr. XXXX XXXX XXXX ( XXXX XXXX ) financial information. I have never received a call or bill from XXXX XXXX XXXX concerning payments. The last time I used XXXX XXXX XXXX was approximately the end of XXXX or very early XXXX. It is apparent that XXXX XXXX XXXX is trying to obtain payment from me because it has been unsuccessful in attempts to reach Mr. XXXX for payment. Please let me know if you need assistance contacting the responsible party to come to a reasonable solution in this matter. 

I responded to FCS informing them that this is not my account via letter dated XX/XX/XXXX. FCS responded to me on XX/XX/XXXX, with a contract that does not contain my signature, as well as the aforementioned invoices - XXXX History statement. 

Additionally, the gym was shut down in XXXX due to the ongoing pandemic COVID-19 ; and yet XXXX XXXX is billing Mr. XXXX for XXXX, XXXX and for XX/XX/XXXX.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

Date : XX/XX/2021 Amounts : 0 Actions : Close my account by Discover Bank I applied for a credit card on XX/XX/2021, and I provided all the information for the verification process. However, since I received the card on XX/XX/2021, this card was placed on hold and I never have an opportunity to use it. On XX/XX/2021, Discover Bank just send an email to me stating that " we have closed your Discover card account effective immediately ... We will report to the credit bureaus that the account was Closed by Grantor. '' Such closure was made without any details. 

Due to such closure, my credit score will be negatively affected. It is unfair because I do not have an opportunity to enjoy the benefit on this card while Discover bank puts my credit score at risk. 

Even though I have talked with Customer Service many times, they failed and refused to provide any details about the reason for closing. It will unfair for me to suffer from a reduction of credit rating without knowing the reason. 

Besides, such closing was made without any prior notification to me. I do not have an opportunity to provide further information to the Bank in order to protect my right to fair credit rating.

Such action has infringed my rights under Fair Credit Reporting Act. Such a report on closing my accounts will damage my credit score and further assessment of my credit history.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Unauthorized XXXX XXXX XXXX account reporting. 

Failure to provide WRITTEN CONSUMER AUTHORIZATION to furnish consumer report.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

Unauthorized XXXX XXXX XXXX  account reporting. 

Failure to provide WRITTEN CONSUMER AUTHORIZATION to furnish consumer report.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (DC)

I visited a branch in IL regarding my XXXX  Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Consumer complaint received 2022-12-27
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. (FL)

My last complaint was on XX/XX/XXXX and Experian closed it by saying that they would remove the incorrect names and addresses. Today is XX/XX/XXXX and I still see my name is not been changed to XXXX XXXX XXXX XXXX also the address : XXXX XXXX XXXX XXXX XXXX, FL XXXX not been deleted it. This was the complaint ID : XXXX
Consumer complaint received 2022-12-27
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I contacted Experian about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$24000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Experian have not responded to the dispute or correct the errors on the report from the above 4 accounts.
Consumer complaint received 2022-12-29
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 reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit check.
Consumer complaint received 2021-03-12
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: Eastern Account Systems of Connecticut, Inc. (CT)

On XX/XX/2021 I requested that both the credit reporting company and XXXX investigate the account that is listed in the letter and have not heard anything back from them in about 120 days
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (TX)

American Credit acceptance has stated that my vehicle has been charged off and due to this IRS has stated that I had a cancellation of debt in the amount of {$9300.00} and this amount was included on my tax return as income when my tax return was audited and cause me to owe {$3400.00} to the IRS. The vehicle in question was repossessed and auctioned off on XX/XX/2022. The proceeds of {$8000.00} went towards the loan amount which brought my balance to {$6800.00} and they are still billing me for this amount. Irs informed me to contact ACA to get a statement that states that the cancellation of debt was sent in error. I called them in XX/XX/2022 and the agent stated that the charges were not written off and no debt was cancelled. I reached out again on XXXX and the agent states they sent the account to a third party ( XXXX XXXX ) to collect the balance remaining. of {$6800.00} since the vehicle was sold on XX/XX/2022 and no debt was cancelled.
Consumer complaint received 2023-02-12
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. (FL)

I closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By Credit Grantor when it is required by the FCRA and Metro 2 Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations of the FCRA.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.