davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX  XXXX - Credit Card XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-27
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. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXXXXXX 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 XXXXXXXX XXXX
Consumer complaint received 2022-10-13
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)

Id theft victim These accounts are not mine XXXX XXXX XXXXalance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX  balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late XXXX OF XXXX XXXX This is in deferment till 2024 Never paid late DEPT OF XXXX {$37000.00} this account is in deferment till XXXX never paid late
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

In accordance with the Fair Credit Report Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without written instructions
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.
Consumer complaint received 2023-06-02
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-05-27
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: BMO Bank, N.A. (AZ)

To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (TX)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (PA)

Throughout this account 's history, I've consistently made timely payments, ensuring they never become overdue. However, I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these discrepancies should be rectified.
Consumer complaint received 2022-05-27
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)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped XXXX points. I want it removed and I want XXXX XXXX flagged as a scam.
Consumer complaint received 2022-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (CA)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act # 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
Consumer complaint received 2022-05-27
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: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/2022 Navy FCU acknowledged that the company is in violation of 15 USC 1692 ( a ) ( 2 ) conveying of information regarding a debt directly or indirectly to any person through any medium. Today XX/XX/2022 Navy FCU is still in violation of 15 USC 1692a ( 2 ) by reporting private information which is violation of 15 USC 1681 section 602A, to credit bureau, is still a form ( medium ) of communication. NAVY FCU is furnishing my private information to a consumer reporting agencies without consent to coerce me to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means a violation of 18 USC 894 and carries a criminal liability of up to 20 years in prison.
Consumer complaint received 2022-05-27
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: CITIBANK, N.A. (AZ)

To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.
Consumer complaint received 2022-04-15
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. (TN)

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 that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

I have had a credit card with the company Elan for approx 30 years. 

I pay the card balance in full prior to the due date every month and thus have never paid any interest. 

Every monthly statement always shows a previous balance of XXXX and no interest charges. 

Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. 

After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX  day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. 

Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... 

Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. 

This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. 

The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies.
Consumer complaint received 2022-05-27
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)

1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} XXXX. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, XXXX, and Experian on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, XXXX, and Experian. I immediately went online and freeze my credit on the same day.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

I havent sent equifax like XXXX times the identity. Theft like they ask me I have like XXXX inquiry I didnt do they ask me For an identity theft report an they received but they say there is a system a error To give sending them I have send it more than XXXX Times an they keep reporting those inquiry fraudulent on my account that is affecting my credit score I dont know what to do no more I have done everything with them an what they ask an still reporting
Consumer complaint received 2017-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX