davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2021, TransUnion LLC. I have attached my most recent consumer credit report. I have disputed two account that are on my consumer credit report. TransUnion is voilating consumer law. The Fair Credit Reporting Act 15 U.S code 1681 state that consumer reporting agencies exercise accurate and fair reporting. I noticed two accounts with inaccuracies that are reporting inaccurate information. TransUnion keeps saying that the accounts are verified. XXXX XXXX is a collection account that reports a balance of {$680.00}. A collection account should NOT report a BALANCE. The balance MUST show as XXXX! THE second account is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  is a CHARGE OFF that shows a BALANCE of {$990.00}. A CHARGE OFF ACCOUNT MUST SHOW A ZERO BALANCE! It's a business write off. I will keep my most recent consumer report that I have attached to compare it to the next TransUnion consumer report that will be sent to me of Transunion investigate this complaint. DELETE BOTH ACCOUNT DUE TO INACCURATE REPORTING AND INVESTIGATING.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I CHECKED MY CONSUMER REPORT CAUSE MY SCORE DROPPED AND NOTICED NEGITIVE ACCOUNTS THAT DONT BELONG TO ME. 


XX/XX/XXXX
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing about my recent credit score drop. I have had an excellent credit score for the past 10 years. Recently I was in a wreck and totalled my truck. I do have another car loan through the same financial institution ( XXXX XXXX XXXX XXXX ). I also have 4 credit cards. All in good standing, never missed a payment. After my truck got paid off by insurance company and my credit score dropped XXXX points!!!!!! Can not get an answer from transunion or other credit companies.
Consumer complaint received 2024-03-11
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name XXXX XXXX Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 4. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX  Account Number : XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 10. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 11. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-22
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: Bread Financial Holdings, Inc. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (NC)

I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX ai received notification from Midland Credit Management that they were going to sue me if I didn't set up a payment plan by XX/XX/XXXX for a debt from XXXX. I requested debt validation and they were unable to validate all sections I requested including license number and proof of contract for this debt. They responded with a letter marked XX/XX/XXXX that was received XX/XX/XXXX as a bill rather than a validation. They had marked the original letter received XX/XX/XXXX as XX/XX/XXXX but it was actually sent XX/XX/XXXX. The letter received XX/XX/XXXX was not dated on the envelope.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (GA)

Associated Credit Services has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit. 


This is incorrect information via email Emails came from notifications @ XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : XXXXXXXX XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

I rented a home from XXXX XXXX in 2018. I had numerous complaints that involved water leaks, repeatedly, and a rat infestation. They kept saying that they would come out and never did. I finally called XXXX XXXX XXXX  and they came out and told me that they needed to go inside my attic and patch of sever holes as well as a few holes outside of the home because there was a severe infestation in my home. XXXX XXXX told me that it was not needed to do all of that and they came by and dropped off a few rat traps. The same ones that I had already purchased. I faxed them the paperwork from XXXX and they still said that the home did not need all of that. It was so bad that I could not stay there. We were killing mice and catching rats a few times a week. I called and advised them that I was leaving the home and that they had 30 days to get the infestation taken care of. If they did then I would be leaving the home. I paid my rent in full and waited 30 days. They never contacted me or fixed the situation, so I moved out on day 31.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I just opened a capital one credit card and I had my card since the XXXX of this month. I been going thru it about verifying my identity. So I haven't been able to enjoy my benefits. I had lost my wallet that containing all my information. Capital One wanted me submit documents of my identification card but I didn't have one at the time. So I just got a new Identification Card and they still taking me thru a lot to take the hold off my account. I have no electricity in my home because I was counting on capital one so I can pay my bills but as you can see it didn't happen. So I'm in the cold and in the dark. I stay in XXXX Kansas where it snows and get cold. I really need help with getting my account off hold ... ..
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (CA)

Was charged for a no show fee, when scheduling was canceled. Then they said I was being billed for inconvenience due to covid and loss. I paid them the {$34.00} and then was told I need to pay the staff fees. Which the receipt clearly started covid safety measures and cost such as mask, gloves, etc. I should not have to get impacted because they cancel my appointment, they send me a letter stating that everyone had covid at that office at the time of schedule and I would not reschedule it as I would not be able to wait for them to open back up so they billed me for loss
Consumer complaint received 2024-03-11
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. (PR)

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 2021-12-24
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. (SC)

XX/XX/2021, Experian. Attached is my most resent consumer credit report from XXXX. I have disputed two inaccurate accounts on my consumer credit report that Experian is reporting. You will see my name the report number on the right and this month date of the finished investigation. I have investigated both accounts twice and they come back as verified. XXXX is violating 15 U.S code 1681 of the Fair Credit eporting Act. THE FIRST ACCOUNT ( XXXX XXXX XXXX ) IS A CHARGE OFF THAT SHOWS A RECENT BALANCE OF {$990.00}. A CHARGE OFF MUST SHOW A ZERO BALANCE. DELETE THIS ACCOUNT FOR INACCURATE REPORTING. The account below it is ( XXXX XXXX XXXX ) This account is a COLLECTION ACCOUNT. IT IS REPORTING A BALANCE of {$680.00}. A COLLECTION ACCOUNT MUST REPORT A ZERO BALANCE AS WELL. DELETE THIS ACCOUNT AS WELL. DELETE BOTH INACCURATE ACCOUNT IMMEDIATELY!!!!
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I recently opened a Wells Fargo credit card and am experiencing difficulty making payments to the card online. I have made four payments from a non-Wells Fargo account and I discovered this is Wells Fargos limit for making payments from a non-wells Fargo deposit account and Wells Fargo wont allow me to make anymore payments online this month. They offered me the option of paying over the phone or opening a Wells Fargo deposit account. This is an inappropriate restriction on consumers and appears to be a potential ploy for Wells Fargo to have consumers open deposit accounts with them. It is not fair to consumers to restrict consumers making payments and potentially leads to possible debt issues down the line. Wells Fargo has terrible customer service and will pursue closing my credit card.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Bought Gift 3 Visa Gift Cards XX/XX/XXXX for a total of {$1500.00} with my credit card. Tried to use for groceries. All 3 cards rejected. Incomm says cards were not activated, I have the receipt that shows activation. Can't use cards I paid for. Case Number with Incomm is XXXX Incomm refuses to activate them. I want a check sent back to me overnight for the amount I paid- CARD FEES INCLUDED.
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

They have not provided info I requested to validated my debt. 
1. Agreement with your client that grants you the authority to collect on this alleged debt 2 Agreement that bears the signature of the alleged debtor where in he agreed to pay the creditor 3 Any insurance claims been made by any creditor regarding this account.

4 Verification that this debt was assigned or sold to collector 5 Commission for debt collector if collection efforts are successful 6 My signature on any paperwork to prove no ID theft was made?
Consumer complaint received 2021-12-24
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. (TX)

Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX.I have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on my credit report.
Consumer complaint received 2021-12-24
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. (TX)

Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on my credit report.
Consumer complaint received 2021-12-24
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. (FL)

Credit report is showing account # XXXX I have a {$400.00} credit limit account is open but credit agency showing closed this is affecting my score I simply want to make sure its reported accurately.
Consumer complaint received 2021-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX
Consumer complaint received 2021-12-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,