davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I been using my credit card in past & always paid on time & always pay off balance on my credit card, TransUnion is not reflecting that & still shows a balance of {$940.00} out if my credit limit which is {$1000.00}, I have {$0.00} balance on my credit card all has been paid off, I made several on time payments for years, I have a perfect payment history, other 2 reporting agencies XXXX & XXXX are reporting accuratly, TransUnion is not & they dropped my score from XXXX down to XXXX & reports last payment back in XX/XX/2020, I talked with TransUnion on phone over a month ago & he said he would look into it but I never got a response back.
Consumer complaint received 2022-10-15
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: Radius Global Solutions LLC (NC)

XXXX XXXX XXXX balance {$130.00} Radius global solutions balance {$110.00} 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
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-21
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. (GA)

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on Experian and XXXX. I [ 've never had an account nor never benefited from any account with XXXX XXXX. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Consumer complaint received 2022-01-21
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. (GA)

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and Transunion. I [ 've never had an account nor never benefited from any account with XXXX XXXX. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Consumer complaint received 2022-03-28
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. (MD)

I have reached out to XXXX, Equifax, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-03-28
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. (MD)

I have reached out to XXXX, XXXX, and TransUnion and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; XXXX, Experian, and XXXX. I have sent 2 letters asking for proof of validation with ( 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY EXPERIAN If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. ()

I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC (NC)

XXXX XXXX  XXXX  they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report
Consumer complaint received 2021-05-11
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-08-07
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. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (NY)

I have a bunch of inquiries on my credit report that I dont recognize. This is causing me from getting credit. I need this deleted immediately.The inquiries I need to be taken off my credit report are 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 XXXX XXXX XX/XX/XXXX In total its XXXX inquiries that I need removed from my credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to request an update to my address in your records. I need my address to be updated to : XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX I kindly ask that you remove all other addresses associated with my account, as they do not belong to me. 
Furthermore, I am filing a complaint regarding the failure of credit bureaus to update my address despite repeated requests. This recurring issue has caused inconvenience and potential risks to my credit profile.
Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, which was originally leased through XXXX XXXX leasing, later sold to a company named Fair, the vehicle was returned to Fair with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by mail by Receivables Performance Management on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX  XXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and Receivables Performance Management received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from Receivables Performance Management. Receivables Performance Management never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX. XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information XXXX XXXX XXXX  XXXX XXXX or XXXX. XXXX XXXX XXXX is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. Receivables Performance Management is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by Fair. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by Receivables Performance Management. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against Receivables Performance Management whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2019-08-07
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. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

Collection account from SUNRISE CREDIT SERVICES for a XXXX company XXXX in NJ. I have never lived in NJ. I have called sunrise and the XXXX  company multiple times and they have not been able to fix it.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I filed a complaint with Bank of America on XX/XX/2022, bank of America through it's agents closed my claim. They did not refunds that were taken out of my account and gave no explanation as to how it happened or where it happened. Bank of America has caused me to lose confidence it the Banking system and as of this moment I will not be doing business with Bank of America and I will not be extending my credit. I demand from Bank of America to furnish verification of these unauthorized transactions in accordance with Federal Law and Consumer Rights as I am the Original Creditor of the Banking System per XXXX XXXX. I demand a true investigation and the refund of all my credits to all my accounts at Bank of America as those are MY Assets 12 CFR section 205.2 ( b ) ( 1 ). My accounts are for Deposit Only.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is regarding Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act against Portfolio Recovery Associates. They are in violation in reporting inaccurate information on my credit files and have not provided validation as requested to show proof that I owe the debts they are saying I owe. They are in direct violation reporting past due balances on collection accounts. 

They are using unfair collection practices by re-aging the debts to keep them on my credit report stating incorrect balances, I have disputed and sent numerous letters asking for proper Validation with signed signatures and contracts showing that I owe this debt that they are claiming I owe, and they have not provided any proof what so ever. The burden of proof is not on the consumer to disprove the debt its on Portfolio Recovery to prove per the LAW. 

Portfolio Recovery Associates are legally-required investigation of the issues raised by the consumer, and they have not done so. Portfolio Recovery Associates are engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws and I am requesting that they remove all negative information that they are reporting on my credit files, that are trying to collect on debts they can not verify and haven't provided the proper verification per the law saying I owe this debt. No photocopies of an alleged debt, proper verification. 

Here are the account numbers as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also be filing an complaint with the Federal Trade Commission.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.