davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (NC)

This is my other endeavor to tell EQUIFAX AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX : {$0.00} ; XXXX  XX/XX/2023.
Consumer complaint received 2022-06-10
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. (IN)

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 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (GA)

Western Union 's system did not honor promo code. 
I applied a code for free transaction fee and the system accepted it but then I received an email with the transaction fees applied. 

I tried contacting Western Union by phone, chat and sent email to their webcare email to get transaction fee refunded and was denied. 

XX/XX/10 Date of transaction Amount of Transaction XXXX Fees- XXXX
Consumer complaint received 2021-12-23
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. (MD)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2020-12-03
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. (TX)

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXXs a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
TransUnion dates are XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TN)

I went to JC Penny to make a purchase and the sales representative asked me if I wanted to sign up for a rewards card to save 30 % off my purchase to which I agreed. She asked me for my information including my social security number to input my information into the system. I literally just turned XXXX a week and a half before visiting this store and had no idea she was signing me up for a credit card. She never once mentioned that Id be signing up for a credit card and that shed be checking my credit. I used my debit card to pay for my purchase, as I had no reason to believe I now had a store credit card. Rightfully so, I assumed that I received the discount because of the rewards card I signed up for. Fast forward I received a JC Penny store credit card in the mail and I checked my credit to see that I now have a hard inquiry on my account along with a credit card. This is fraud, as I was mislead into opening a credit card due to my age. I never agreed to have my credit checked and never agreed to open a credit card. The sales representative lied to me by saying that I am signing up for a rewards card and did not alert me that I was signing up for a credit card. A rewards card and a credit card are two completely different things. I want this account closed and removed from my credit report as soon as possible.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I keep having the same problem with XXXX XXXX someone is using my information and pulling my credit which is a hard inquiry on my credit report. I have contacted them concerning the issue and I also filed a fraud to the credit bureau this is still on my credit report someone trying to get a loan from my information. I was advised to put a freeze on all three credit bureaus which I have done today. But this inquiry is still on my credit report.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc. (NV)

I recently had a credit check done and a collection came up from Sentry Collections located in XXXX XXXX, NV. I called on XX/XX/XXXX and was told that they would be researching it and would get back to me. Nobody called back. I called again today XX/XX/XXXX and was transferred to XXXX who refused to give me her first and last name and told me I had to call the XXXX XXXX   that no longer exists to get the information removed. I rented an apartment a few years back. When I moved there was a small amount owed that was paid back immediately. The company went ahead and sent it to collection anyway. I called back to the apartment complex and they said it was in error and that they would notify the collection agency that this was not correct. Now years later it is showing back up on my credit report even though there is no debt owed. The collection agency was rude and refused to provide full name when asked to. This debt is not owed and I will not pay it again or have it report on my credit as a collection account.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Hello, This company ( Portfolio Recovery ) has been attempting to collect a debt from me and are reporting it on my credit report. I've informed them that they are mistaken in saying I owe them anything. I've sent them disputes asking for records that PROVE I owe this debt, and all they send me in return is a billing statement summary with a one time transaction for {$1100.00}. I've even given them the benefit of proving this by sending me something that I signed that shows this to be true. I've also asked for various means of proof that they did an investigation, including names and dates, and they refuse to provide me with any. I sent a dispute informing them of my rights under the FDCPA in response to a letter I got from them dated XX/XX/XXXX on XX/XX/XXXX asking for the above items, and they sent me this generic billing statement dated XX/XX/XXXX. I sent another on XX/XX/XXXX, and they still didn't provide me with anything I requested under the FDCPA, again sending me only the same statement as before dated for XX/XX/XXXX. I sent one final letter on XX/XX/XXXX indicating that they were violating the law by not providing me with the requested items, even citing case law, and they sent me the EXACT same response as the former, but dated XX/XX/XXXX. This company is impeding my opportunities to advance financially by flagrantly breaking the law. 

Thanks in advance
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (AK)

On XX/XX/2022 someone made a deposit into my back account of XXXX. I looked up the company and it said it was a loan company. The number is XXXX. I looked up the company it said it was a scam. I never took out the loan. It also stated on line that they deposit money and then start taking money from account. I called the company and they would not discuss it. I'm furious that they did this. It has caused pain and chaos in my life. The time it takes to fix everything is crazy. Thank You, XXXX XXXX
Consumer complaint received 2018-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of this year ( XXXX ) my wife and I found out someone had used my name and social security number to open a Paypal Credit Card with Synchrony bank back in XXXX of XXXX. The person who opened the account had been making the minimum payments of {$20.00} for a few months and then stopped paying resulting in this credit card being sent to collections. It has caused my credit score to drop XXXX points. I immediately contacted Synchrony Bank to find out details about this card and how I can submit a fraud claim. They verified that the address they have on file where they have been mailing bills to was not the same as my address but would not tell me the address they have on file and would not tell me what purchases were made on the card or who was sending them payments. Once I received the fraud paperwork in the mail from Synchrony I filled it out and sent it to them and they have just sent me a letter back saying they denied the claim. Their reasoning was that statements and collections notices had been mailed out even though they have already verified they did not have our address on file until I called in XX/XX/XXXX. Synchrony Bank is saying I'm responsible for this {$1800.00} credit card debt but they won't even tell me what address they have or what purchases were made. I would like to have them remove this card from my credit report as I did not open the account. Someone stole my identity!
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On Equifax I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX dates are XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Professional Bureau, Inc. (TX)

XXXX mailed and received by front Desk/Reception on XX/XX/2022 on XXXX tracking is provide and shown. 

VIA U.S.P.S. CERTIFIED MAIL XXXX VIA U.S.P.S. CERTIFIED MAIL XXXX Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. Further, I request verification of the alleged debt ; specifically, I request the following documents : ( 1 ) a copy of every contract and/or agreement signed by me and the alleged medical provider, including, but not limited to, ( i ) an informed consent for the medical treatment that is being billed and ( b ) financial responsibility agreement signed by me for to the medical services being billed, ( 2 ) a copy of all actual bills sent from the medical provider to me with tracking numbers ( e.g., certified mail return receipt number or other tracking number ) or other proof of mailing ( e.g., affidavit of mailing under penalty of perjury signed by the actual individual who mailed the bill ( s ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies along with copies of all payments received from insurances companies by the medical provider for the services billed, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me to the medical provider for the medical services provided that were billed for and in collection, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs now in collection. You unlawfully attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your tradelines of the alleged debt.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc. (CA)

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AL)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX XXXX XXXX through their website about negotiating a settlement of an old debt that Midland sued me for ( the case was dismissed in circuit court ). 
I have not received a response from this company ( Only a response to the e-mail being received ). I requested in my e-mails that the company contact me by e-mail, and provided my current e-mail address to them.
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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