davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MO)

I am filing this complaint because XXXX, Experian and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-01-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to use my Bank of America MERRILL+ Visa Signature credit card to make a purchase on XXXX  on XX/XX/2020. The transaction kept  getting denied. I did not receive any fraud alerts or indication that BOA was denying the transaction. I called in to inquire. It was revealed that my card was blocked and they could not unblock it because the department in charge was closed at the time that I called. I was advised to call back the next day. The next day all my Bank of America cards ( 2 ) were closed and I lost the cashback balances I had on them. I tried to redeem them by calling in but was informed that it would not be possible.
Consumer complaint received 2018-11-27
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: JPMORGAN CHASE & CO. (NJ)

XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-04-17
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. (TN)

To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4.  Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph
Consumer complaint received 2022-10-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account 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 2020-12-14
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: Experian Information Solutions Inc. (AL)

I have disputed this account twice with Experian and XXXX  due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. Experian and XXXX have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with Experian and XXXX  stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.
Consumer complaint received 2020-05-27
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. (NE)

A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint because XXXX, XXXX and TransUnion credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX/XXXX/XXXX  I made the deposit scammers gave me and bank cleared the deposit on XX/XX/22 so i made XXXX  payment on XX/XX/22 to the scammers.. bank returned deposit.. today XXXX I deposit 2nd check that scammers gave on XX/XX/22. Scammers asked me to buy {$2000.00} worth of XXXX gift card  and I did buy {$1000.00} XXXX gift card and gave them the gift card info. Then I felt something wasnt right and told them Im not comfortable giving another gift cards. So everything stopped. I immediately called Chase and told them it was scam and they said theres nothing they can help. Nothing they can help.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are accounts under my name that is reporting inaccurately as well as inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Comerica (AR)

I receive monthly XXXX payments via Direct Express and I pay my bills by transferring funds from Direct Express to my XXXX  because some of my debtors require banking routing and account numbers for payments. When Direct Express denies the transfer, I can NEVER contact them to rectify the situation, which causes problems for me. They are never available for calls, I always get a " Try again later '' automated response.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management begin garnishing my wages on XX/XX/XXXX for a total amount owed to the debtor of {$4400.00}. The amount of {$270.00} was taken bi-weekly. At this time, on XX/XX/XXXX along with changes ( personal time, leave, pay increase, etc. ), I owe the debtor only {$960.00}. I have requested XXXX to dispute this issue. However, the report received by mail from XXXX does not reference any payments being made. Therefore, this report is incorrect. I have reached out to Midland Credit Management on several occasions, but I have received no response via phone call nor mail. I am asking at this time, for the correct dollar amount to be updated and reported to the three major credit bureaus, and once this debt is PAID IN FULL, I am asking this debtor : Midland Credit Management for both XXXX XXXX and XXXXXXXX XXXX be REMOVED from my credit report immediately. This is hindering my educational pursuits, as well as future home buying experiences. This debt was not handled fairly nor correctly to begin with, so after I am paid in FULL, I won't no further contact with the referenced creditors, credit card companies, nor law firm association with this account. I will provide all documentation needed. Thank you all for your time.
Consumer complaint received 2024-02-06
Product: Credit reporting 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: Experian Information Solutions Inc. (MA)

I've been having trouble with Experian for many years. Every time I apply for car or home financing, I have to pay higher interest rates because they can't find my record with Experian. I've already lost a lot of time on the phone with them, open dispute, calls that are disconnected and the last straw was last week when my lender informed me that I wouldn't get a loan because Experian doesn't have my score and my credit is over XXXX with XXXX and XXXX. Every time I call Experian it's a different excuse. Today, for example, they said it was XXXX 's fault that it didn't report it to Experian. I called the XXXX company and there they informed me that this can only be an excuse from Experian and that XXXX doesn't report anything to anyone. When I financed a car last year my interest was higher because, again, the dealer I was unable to obtain my records with Experian. Last week my home loan was not approved because they were also unable to obtain my records with Experian. This isn't fair, I've lost a lot of business, hours on the phone and no one has an answer. I hope you can help me. 
Thank you XXXX XXXX
Consumer complaint received 2022-11-30
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. (MO)

My address on XXXX transunion and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo XXXX
Consumer complaint received 2022-05-04
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: Ladera Lending, Inc (SC)

I spoke to this mortgage company about a potential loan. I was told they would take my info and send me an email requesting authorizing/more information. Instead they ran my credit without my consent. I called back 2 days later and complained and was dismissed by their mortgage person XXXX XXXX. Later that week, I received a call from their loan manager who told me they messed up and did not get authorization, he said the call was recorded and he listened to it. He guaranteed he would take my hard inquiry off my credit. 

It is still not removed a month later. 


Credit inquiry agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX
Consumer complaint received 2022-05-04
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. (SC)

I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Lending Club Corp (CO)

On XX/XX/28 I looked at a personal line from XXXX  XXXX and got an approval from them. When got the final payment after I accepted it was much higher than was offered. I called the company to withdraw and the department that closes accounts was extremely unprofessional and yelled and screamed. 
After realizing that I had set up my personal checking I had to close my accounts. Stop pay on several payments, freeze my credit with the 3 major credit bureaus and have a fraud lock on all accounts and personal as number. This is absolutely predatory lending and could harm most consumers. 

I have called 15 times to speak to a supervisor and the laugh or hang up. They wont send a withdrawal letter via email Please help
Consumer complaint received 2022-05-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX. {$0.00} Acct # : Bal. {$0.00} Acct # : XXXX
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (SC)

I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (NV)

I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.
Consumer complaint received 2021-12-08
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. 
They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (IL)

On today, Optimum Outcomes, INC reported an account to my credit without my knowledge. They have contacted me about a debt in the amount of {$2900.00} that I did not authorize. They have called every single day and night seeking payment. I did not authorize this account.
Consumer complaint received 2018-10-16
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. (AZ)

I mailed the first letter to Experian on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Consumer complaint received 2022-05-04
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. (IN)

I have been a victim of identity theft. I have reported this to Experian several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (SC)

I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.