davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I placed an ad on XXXX to hire a web developer. I was contacted via email by a person who claimed to be an employee of XXXX XXXX XXXX. He provided links to his supposed projects that he had worked on, along with social media accounts that he supposedly managed. We scheduled a call and he created an outline of items that he and his team would work on. They were to redesign my website, revamp my social media accounts, and take on an ongoing project for me. ( Ongoing project is a membership group for ladies that offers weekly workouts, monthly meal plans- needed a graphic designer to format the PDFs for me ). 

He then created a quote, a timeline, and sent me a secure link to pay the deposit to get started. I paid {$4000.00} but felt uneasy about it for some reason. A few days went by and I hadn't received any information about next steps, so I contacted him and told him that I didn't like the process thus far and wanted a refund. He asked to give him until Monday ( XX/XX/14 ) to submit website mock ups to me. Again, something did not seem right, so I went to the XXXX site and initiated the online support chat. XXXX XXXX, a senior consultant for XXXX, answered the chat and I briefly told him what was going on. He told me that they had fired the person I was working with, XXXX XXXX, and that he has created a fake website - XXXX and has been stealing people 's money for some time now. 

XXXX has been impersonating the company and even has a XXXX page offering web services. XXXX advised that I contact my credit card company and file a dispute. I filed the dispute along with 50+ pages of supporting evidence. During this process, XXXX XXXX offered to give me a 40 % partial refund. I only agreed because I figured that I could at least get some of my money back while waiting on the dispute decision. During this entire time, I received no goods or services. Absolutely nothing. 

Barclay just contacted me to let me know that they're closing the case in favor of the merchant- which is not even a real company!! I had called several times during this process to get updates, and they would not provide any updates. I was almost always routed to a call center and the call center refused to transfer my call to a supervisor. I have been hung up on numerous times. Now I am out {$2600.00} and Barclay refuses to take any further action. This is outright theft.
Consumer complaint received 2023-03-08
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. (MN)

I have filed several disputes with Equifax and submitted police reports via mail multiple time as requested and XX/XX/10 the fraudulent inquiries remain on my credit report as a result of the Equifax data breach...
Consumer complaint received 2022-04-19
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-13
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. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: LEXISNEXIS (VA)

Lexis Nexis provided a report to our insurance company that gave banking information indicating a problem resulting in a lower rate. I pulled the reports from Lexis Nexis that indicated an insurance inquiry but no banking items. FIRST issue is that neither company disclosed the credit reporting agency the banking information came from, which is illegal under the credit reporting act. SECOND issue is that my report has someone else 's information on it. Our social security numbers are off by one number and we have the same first name. I have already resolved this with the three credit bureaus over the years. THIRD issue is the information Lexis Nexis is providing without my consent to me or the other woman involved. I now have her social security number, drivers license number, car VIN number as well as her husband 's information. She has the option to receive the same information for me. Lexis Nexis is providing my information WITHOUT MY CONSENT. Lexis Nexis told me today I don't exist although they provided me a report when I requested it and expect me to jump through hoops to prove I do. I have a REAL ID drivers license which I already jumped through hoops to get, which should be used to verify the information. I need Lexis Nexis to follow privacy laws, stop combining reports of unrelated people, disclose reporting agencies, and issue me a corrected report.
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 Accounts : XXXX XXXX XXXXAccount number XXXX XXXX XXXX-Account number XXXX XXXX XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 Accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( XXXX ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2022-04-19
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. (GA)

Experian is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a summons from Midland Credit Management Inc. and provided answers to the court. I also sent certified letter to the XXXX attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, ) for " Request For Production. '' They did not respond. Although I have proof the letter was signed & received by their office on XX/XX/XXXX. They also failed to show up to court on XX/XX/XXXX. The next hearing has been rescheduled for XX/XX/XXXX. My lawyer and I are prepared to file suit against Midland Credit Management for fraudulent debt collection if they can not properly validate the debt or dismiss the lawsuit before the next court date.
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. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX - Account Number:XXXX
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
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. (MD)

I have disputed the accuracy of a XXXX  XXXX credit account and the XXXX XXXX XXXX  loan all in delinquent on my credit file. I have worked with all the parties involved from the credit bureaus to the lenders. I am been penalized for missed communications, billing me at the wrong address, and lastly inaccurate reporting with gaps. All these debts have been settled and have failed numerous times disputing these in inaccuracy affecting me from getting a mortgage. I have attached reports that explain my case.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX  Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home. 
On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval. 
We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account. 
To our dismay, we only received XXXX miles, not XXXX as advertised. 
On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days. 
I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint. 
I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX. 
My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

I received a phone call from a debt collector regarding unpaid medical related debt. 

I requested proof and validation of the debt and nothing was provided. They said that they sent letters through the mail to an address that I have never lived at. 

They called back numerous times and still did not provide any information even after asking over the phone and through text messages that they continued to send me as well. 

I also never received any notice of my ability to dispute this debt during any of the conversations.
Consumer complaint received 2022-04-19
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. (VA)

Transunion Credit Bureau ( file # XXXX ) is reporting an inquiry with XXXX which is fraudulent. Date of inquiry was XXXX XX/XX/2021 for XXXX  located XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ( XXXX. I had placed both an identity theft and fraud alert with all three credit bureaus but yet somehow someone was still able to apply for a credit card with XXXX 

I am requesting assistance from FTC to help me get this fraudulent inquiry resolved and removed from my credit report as it relates to Transunion Credit Bureau ( only ). They are the only credit bureau agency that is reporting this inquiry.