davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

Starting on XX/XX/2019, I started receiving robocalls on my cell phone with caller ID from XXXX  XXXX. We do have XXXX XXXX XXXX cell service and recently upgraded phones so I assumed the calls where follow up/survey calls related to that. The calls are coming at least once daily. Today, I answered the call so that they would stop the follow ups. Imagine my shock when it was " XXXX XXXX XXXX '' attempting to collect a debt which I have continually disputed. The correct name of the caller was NOT on the caller ID, which is a violation of the FDCPA. This agency is using deceptive tactics. It also took several seconds to connect to a person vs. the autodialer. Please investigate the deceptive tactics by this company in falsifying the identity of the caller.
Consumer complaint received 2022-08-31
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. (VA)

My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, XXXX and Experian credit report immediately. I would like for the XXXX XXXX  account and XXXX XXXX XXXX XXXX from the following company XXXX XXXX XXXX removed from my XXXX, XXXX and Experian credit reports. I also would like for the following company XXXX XXXX XXXX account to be removed from my XXXX, Experian and XXXX credit report. All three accounts was fraudulently open without my consent.
Consumer complaint received 2022-05-19
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: MARINER FINANCE, LLC (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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: DISCOVER BANK (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, Discover account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt
Consumer complaint received 2022-05-19
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: DISCOVER BANK (SC)

XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my discover  car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Consumer complaint received 2023-08-17
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: CNG FINANCIAL CORPORATION (SC)

XXXX  Date : XXXX XXXX Account Number:XXXX  Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX  ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account number:XXXX  Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX Date : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington Law firm keeps spaming me with robocalls i talked to a a representative and asked to be put on the no call list yet i keep getting calls everyday today is XXXX  XXXX 2020 and it started on XX/XX/XXXX amd hasnot stoped id like to get to take them to court for disobeying my privacy act
Consumer complaint received 2015-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America reported me 30 days late on my home equity loan on XXXX/XXXX/2015. 
I no longer receive statements from them as they wanted to go paperless and rely on the information on the on-line payments section which as of today XXXX/XXXX/2015 tells me that my next payment is due XXXX/XXXX/2015. No mention of a past due ... .no contact from anyone regarding a past due. The old format of the on line payment page would disclose that information. 

I want this 30 day removed from my credit report at all all XXXX bureaus.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (TN)

XXXX and Transunion failed to remove these inquiries There are inquiries on my accounts that I never received goods from and I didn't authorize these accounts to report to my credit profile. 
The inquiries are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As for these accounts are damaging my credit worthiness
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to XXXX and Equifax. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : 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 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am a victim of Identity Theft and my plead for help has been ignored by Discover. There is a fraudulent account by Discover on my credit report that is NOT MINE. I MAILED my official Identity Theft letter, proof of ID, and supporting Police Report from the XXXX to Discover on XX/XX/22 via XXXX XXXX Mail, they have not responded or confirmed my communication and continue to report this fraudulent information to XXXX, XXXX XXXX XXXX. This is currently causing me and my family financial damage, hardship and defamation of character.
Consumer complaint received 2019-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have been trying to get in contact with Experian for the last month to gain insight as to why my credit score dropped by 17 points after I submitted a dispute to have 3 creditors removed from my credit. I spoke with someone on the phone at Experian and they stated that I would need to contact the creditors that I wanted to removed in order for this to be resolved. I contacted XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX stated that I would have to wait until XX/XX/2025 for the account to be removed. I spoke with XXXX and submitted a dispute and I spoke with XXXX and they also agreed to submit a dispute. I want to submit a complaint against Experian. I attempted to purchase a car today with XXXX XXXX and everything was going just fine until they see that Experian has reported that my car under XXXX XXXX XXXX  was repossessed. The car was totaled back in XXXX and the car dealer stated that in XXXX the car was repossessed. I paid off the rest of the balance with XXXX XXXX XXXX in XXXX and I'm at a XXXX balance. The car dealer said that the account is showing with Experian that it is a non charge off and that the car was repossessed. I have proof from Experian showing that the account has positive activity and that it was charged off and paid off. I have proof that my car was totaled in XXXX. I have been trying to speak with a manager for the last 3 weeks. An american manager because I can't understand their Costa rican managers. Experian isn't taking my situation seriously as no one looked into my credit the first time when I called to ask why was my credit score dropped by 17 points. No one. And now i find out that they are reporting that my car was repossessed. I will be happy to provide all the proof needed. Representatives from Experian have hung up on me and have transferred over to regular reps instead a manager as if they didn't want me to keep track of their names. I have proof of trying to contact Experian on XXXX and they still haven't responded. Please I'm trying to obtain a car for my family. We are in need of a car and have had our most recent car in XXXX totaled. I never thought that credit bureaus would be this neglectful and ill-informed to my credit. Please help review what is going on. Please help me get my credit on track and where it needs to be so that I'm able to purchase a vehicle. Please! I've been dealing with this issue for a month and I don't know where to turn. Thank you very much!
Consumer complaint received 2021-10-30
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: Consolidated Information Services Solutions, LLC (NC)

There is a hard inquiry on my credit report on XX/XX/2021 that is on my credit report but is not me. I have also been receiving phone calls also in regards to loans that I never applied
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM.  illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (IN)

I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MB FINANCIAL, INC. (IL)

This is a follow up to complaint # XXXX. 


MB is simply not telling the truth in their denial of the {$350.00}. Their initial excuse for denying me the bonus was that a Tax Identification Number was needed to open the account. When I pointed out that no such requirement was in the promotion, they then changed their excuse to the one provided in the above Complaint. 


The newest, and incorrect, excuse is that I previously received a bonus in XX/XX/XXXX on a personal checking account and therefore was not eligible for the bonus on the business checking account. 


MB 's own records will reveal that I received BOTH a personal checking bonus AND business checking bonus in XX/XX/XXXX. Therefore, the most recent excuse is simply a knowingly false representation of their own agreement and prior practice. 


The fact is that MB has paid numerous people two checking bonuses in the same year ( personal and business ) and they must honor not only their previous practice but the language and spirit of their offer.
Consumer complaint received 2022-05-19
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. (NJ)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I co signed on a loan for a friends motorcycle. He wrecked the bike and insurance paid out the balance. He got XXXX and there was apparently an amount that wasnt paid by insurance and it went delinquent for 180 days. Nobody ever contacted me about this and its reflecting poorly on my credit report and preventing me from qualifying for a home loan. I tried to dispute it and experian told me I was wrong. I just recently was informed they have to be able to prove that I was contacted for this to have it on my report, and since I wasnt contacted they cant prove that. So I wanted to get it off my account now so I can buy a house.
Consumer complaint received 2023-06-22
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 sent a letter XXXX XX/XX/XXXX to remove/delete these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX PXXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX announced that they were shutting down and all accounts including checking, savings and credit cards would be deactivated by XXXX and gave instruction on withdrawing money and paying credit card bill. I was told that needed to submit my credit card payment by adding money to my account which I couldnt because I have no card to added money to a closed account. I was told to try ach deposit I tried that as well and the deposit was rejected due to account was closed then I was told to try a wire transfer and that was rejected due to account is closed I have been trying to pay XXXX dollars for months with no luck from the company and every month they are reporting a 30 day late payment for XXXX dollars even tho they have not provided an adequate way to pay the bill. This inaccurate reporting has hurt me profile significantly
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NJ)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2023-06-22
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. (TX)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.