davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX representatives and their fraud department to confirm my dispute. 
1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in XXXX
Consumer complaint received 2022-02-08
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: SUNCOAST CREDIT UNION (AZ)

Since XX/XX/XXXX I miss me Suncoast CU Credit Card on my XXXX Credit Report. 
I disputed over the Internet with XXXX, without a result. 
I called since XX/XX/XXXX with XXXX and Suncoast CU back and forth. 
XXXX told me is Suncoast 's fault, Suncoast told me is XXXX 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an AUD # XXXX from Suncoast CU and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX XXXX because they send me a Report XXXX. XXXX I should call XXXX. They told me they don't get updated from Suncoast CU. 
Suncoast CU told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my Suncoast CU Credit Card on their XXXX XXXX.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I suggest that Synchrony Bank absolutely knows what they are doing and should be reprimanded and fined. I had 2 cards, one with XXXX and another with XXXX through Synchrony. In both cases I was signed up for e-billing. The balances were low and the month they were due I researched my files and I had never received an e-bill. Both accounts were then charged large fees and interest. 

I went back to my last XXXX bill and found that Synchrony had applied a fee of {$14.00} on a bill of {$13.00}. The same situation occurred where no e-bill was sent. I paid the bill without recognizing the fee. The most recent bills are as follows ... .... 

1 ) XXXX {$330.00} purchased + Fees {$25.00} + interest {$7.00} no bill received the first month it was due, only the second month with the fees and interest added. 

2 ) XXXX {$71.00} purchased + Fees {$29.00} no bill received the first month it was due, only the second month with the fee added. 

Now XXXX has just issued new cards through XXXX. Do they know something? Has this been reported before? I believe this is a practice for profits from Synchrony Bank. 

I have been issued credit for both 1 & 2 above. There were no questions and they immediately resolved the issue ( 2 different phone numbers ) when I told them this was a scam. 
Maybe they have trained their personnel about the process?
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

On XX/XX/2021, a debt collect agency, specifically Convergent Outsourcing, placed a collection on my credit report in the amount of {$980.00}. I immediately called Convergent and was informed by Convergent that the debt was not in my name, XXXX XXXX, but instead was listed under XXXX XXXX. Convergent initially refused to discuss the debt with me stating, 'the debt is not in your name, therefore we can not discuss someone else 's debt. ' I explained to the Convergent rep that I'd been a victim of identity theft and demanded the immediate removal of the account from my credit report. 

After demanding to speak with management, I was transferred to XXXX XXXX. XXXX requested a copy of my Identification and social security card stating she needed it to clear the debt from my credit report. I sent XXXX the documents requested. XXXX then, without my permission, shared my identifying NON PUBLIC information ( photo ID and social security number ) with the original creditor. 

Several days later I received an emailed letter from Convergent Outsourcing, under the name XXXX XXXX. The letter stated that the collection would be removed from my credit report and it was removed days later. 

Consequently, Convergent Outsourcing has since indulged in DECEPTIVE TRADE practices by attempting to use the identifying information requested from me to place the illegal account, which does not belong to me back on my credit report. 

It is well settled that Convergent Outsourcing did not have in their possession adequate or accurate information to place a delinquent account on my credit report and after being informed the information they had on file did not match my identifying information, Convergent participated in fraud by obtaining my identifying information, sharing it with an unknown creditor and attempting match the or transpose the identifying information which would facilitate Convergent in willfully and fraudulently placing the fraudulent account back on my credit report
Consumer complaint received 2022-12-04
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. (WA)

Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-16
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I reported a {$280.00} airline ticket fraud on my Citicard ending XXXX. It was reversed and new card ending XXXX was issued. Within 1 week there was a second XX/XX/2017 fraud charge on card ending XXXX, for XXXX XXXX TN in the amount of {$350.00}. I reported the XXXX XXXX fraud and was told it would be reversed and I did n't need a new card. It was not reversed. I called. 2d time and was again told it would be reversed. I viewed my on line account on XX/XX/XXXX and learned that the {$350.00} XXXX XXXX fraud charge had not been reversed. Instead, Citi had submitted a dispute for a XX/XX/XXXX charge of {$300.00} to XXXX XXXX XXXX, a valid charge. Seemingly Citi confused the {$350.00} XXXX XXXX fraud charge with the valid {$300.00} XXXX XXXX charge because both were XXXX. I spent an hour on the phone with 3 Citi agents to reverse the fraud charge and assure the valid charge was not disputed. Today XX/XX/XXXX I received a form letter in which Citi indicated the incorrect dispute was my fault, and referencing credit reporting agencies. This was entirely Citis mistake. Citi has potentially caused my XXXX XXXX reservation to be cancelled. Citi has not given the actual facts as they occurred any real attention, and has yet to reverse the XXXX XXXX fraud charge. I would like someone from Citi to fix XXXX mistake. I would like an actual response that is not a form letter. I would like an apology. I would like verification that Citi has not caused XXXX XXXX to cancel my reservation. I would like Citi to reverse the XXXX XXXX fraud charge.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX  - Date : XX/XX/2023 XXXX. XXXX  - Date : XX/XX/2023
Consumer complaint received 2022-12-04
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. (WA)

Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.
Consumer complaint received 2016-01-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citi Identity Monitor service was being discontinued on XXXX XXXX 2015 and that once the program was terminated, I was been charged a fee for a years.! and didnt aproved or sign on any agreemment.! Citibank charged my credit cards for long time and NOBODY want to be responsible for this bad ilegal practices..!. In addition, I didnt see Citi Identity Monitor working on my credit cards & gt ;?? please I need any professional help to address this issue with them..! I called 4 times and they dont care about that.! Thanks in advance.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (AL)

I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the Equifax data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (KS)

I filed bankruptcy in XXXX. Case number : XXXX. I included this creditor as part of my bankruptcy petition. At that time, they were known as XXXX. I believe they have since been renamed charter communications. They retained a collection agency, Amsher Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, to collect the {$230.00} debt that I had discharged in my bankruptcy. They have given me XXXX days to respond to them, or else I risk something being placed on my credit report.
Consumer complaint received 2019-05-26
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: ENCORE CAPITAL GROUP INC. (AL)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Midland Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), Midland Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. Midland is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company  has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to Midland and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. Midland is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit & Collection, Inc. (IL)

I was contacted by Nationwide Credit in XX/XX/2019 by phone. Nationwide credit stated that I owed a debt and that a debt was owed on behalf of my ward. The debt amount was not recognized by me. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. After that initial call, I continued to receive calls and voice messages at least once a day over a two week period. I usually let these go to voice mail. On some occassions I answered and again stated that I was questioning the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (PA)

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd. (MD)

My mother passed away recently. A letter came to the house from Philips & Cohen Associates stating that the client they represent is trying to get ahold of the estate or executor of my mother to resolve a debt. In the letter, they did not say whom the client was or what the debt was. It just had a phone number to call and a PIN number to give to reference the letter. Upon research, the company is a scam. They make it seem like theyre a law firm but it is not. They didnt say whom their client was or what the debt was from.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Due to OR XXXX notice of statewide hack of personal information, first attempted credit freeze with XXXX, XXXX, XXXX on XX/XX/2023. All three reports showed an inquiry from Capital One on XX/XX/2023. After applying credit freeze, contacted XXXX which assured me it was " a 'soft inquiry ' that most likely, nothing would come of it ''. 
On Saturday XX/XX/2023 received a congratulatory letter from CapitalOne on a successful application, with a spending limit and ended with " Thanks for choosing Capital One ''. Upon opening that letter, called Capital One and explained I did NOT apply for the credit card ; the phone representative stated he could not help closing the account but that I would have to wait and call back on Monday, XX/XX/XXXX. 
Promptly called Monday morning and was met with two representatives, the second of whom was authorized to begin the fraud report. However, even though it was explained repeatedly that I DID NOT apply for the card nor did I want to keep the account open, XXXX began questioning, " oh, you didn't apply for this credit card? '' ( NO, I did NOT ) " Are you SURE you didn't apply for this card? '' ( YES I'm sure, I did NOT apply for this ) " Could anyone else you know (? ) have applied for this card FOR you? '' ( NO, there is not ) 'You don't want to keep this account? '' ( NO, I did NOT apply, nor do I WANT it ) Agent XXXX relented and initiated a fraud alert through CapitalOne Credit on account ending # XXXX on XX/XX/2023 at XXXX PT. According to XXXX, the fraud investigator might call with further questions and it would take 60-90 days to close the account. 
Later in the day, the card itself showed up in the mail; please see attached files. 
I have also followed up with the credit report companies.