davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (VA)

XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX XXXX Balance-
Consumer complaint received 2019-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2021-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.
Consumer complaint received 2018-05-14
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: AUTOMOTIVE CREDIT CORPORATION (MI)

I am a victim of identity theft. My information was stolen and used from my XXXX address while I was living in XXXX, XXXX. I have repeatedly tried to get this off my credit report. XXXX Statie of Limitation debt credit reporting is 6 years and its been reporting for 5 fraudulently, so i dont understand why they wont comply and take it off my credit report. Automotive credit Corp, auto opened XX/XX/2013, balance {$12000.00}. I filed a police report years ago
Consumer complaint received 2022-12-01
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. (NM)

I have reached out to Equifax, XXXX, & XXXX with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX Ohio where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, Georgia where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. The creditors and the 3 bureaus continue to verify the information correctly with incorrect data. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent address that all the above accounts are reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing proof that these accounts belong to me was reason to remove all fraudulent accounts from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/2022 until now XX/XX/2022. PLEASE HELP ME Thank You
Consumer complaint received 2023-02-10
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. (TX)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AR)

My Binance.US account was disabled on XX/XX/21. I was not given an explanation, a notice, any feedback whatsoever. I opened a ticket with them since that is their only method of correspondence. They never replied. I currently have between $ XXXX in investments with this trading platform depending on the market. After filling out more service tickets, sending in the required selfie videos, selfie pictures, documents showing proof of residency, ID, etc, I still didnt get a response. I went to social media to find hundreds of people have money tied up with this company thats not being resolved. I messaged them on XXXX non-stop until I received a bot email that said my situation has been upgraded. After another week of no response I kept emailing/XXXX  messaging u til I got another response today asking for more videos/selfies etc. no update since. My tickets are XXXX and XXXX. Attached are the bot emails I received from them with XXXX XXXX characters as their names.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the Delta Skymiles rewards card through American Express. They advertised XXXX bonus points for spending {$2000.00} in the first three months, plus an additional XXXX bonus points for spending an additional {$1000.00} in the first 6 months. I met these requirements within the first month of opening the account. The points were never deposited into my Delta Skymiles account. 

I opened my first chat message through their Amex app on XX/XX/XXXX asking about the bonus miles. I was told on XXXX that it would be credited to my account 6 - 8 weeks after meeting the requirements. 
Then on XX/XX/XXXX I messaged support again to get a status on my promised rewards. I was told they were going to open an inquiry for me and that I should check back after 2 to 3 weeks for the status. 
On XX/XX/XXXX I messaged again for an update. I was then told I need to wait 6 to 8 weeks for the investigation to complete and have the points deposited into my account. At that point I asked to be escalated to a supervisor who could see that I certainly did meet the requirements for the card. But was also told that sue to the immense response to the offer, there has been a delay awarding the rewards points and they need to research all submissions. I told them their shady business practice was unacceptable and I needed a date to expect the rewards. I was not given one as they can not fix it on her level. 
I followed up several times in XXXX through chat and was told the MAXIMUM time frame for the investigation is 2 billing cycles and I only escalated my case towards the end of XXXX. 
Today I called them and spoke to a supervisor who told me they are having an issue with a " handful of accounts '' ( I have seen that this is the term Amex uses a lot with other people that have raised concerns like this_, and they do not have a date they can tell me when I can expect a resolution. 
I am at almost 9 months with this card and no resolution or even a feeling that this will be resolved. This is an unfair business practice and this company needs to be exposed for what it is doing to consumers.
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control Company, Inc. (CA)

XXXX XXXX TV service is attempting to collect a debt I do not believe I owe. I signed up with XXXX XXXX TV service in XXXX when I moved to a new residence. In the past 2 years, XXXX took over for XXXX in my area, and took over my TV and Internet service. I became dissatisfied with the service of XXXX, and called to cancel my service. I had already signed up with a new company to avoid interruption, and when I talked to XXXX they told me you can't cancel mid-month. I did not think this was accurate, as I had signed up with XXXX and the policy was no contract, cancel at any time. When I mentioned this to a member in billing from XXXX, they told me I would be credited the amount back from the day I told them I was canceling. ( This document is attached to this complaint ) I started receiving bills for a full months amount, even though I called in to cancel on the morning of the 3rd day of the billing cycle. I called to inquire, which I was told they do not prorate monthly bills. I sent in a check for {$34.00} to cover the 3 days I used of the billing cycle, along with a letter stating if they cashed the check they agreed that this was final payment on the bill. I also sent in a letter stating my case and a copy of the conversation with the billing person saying I'd be credited the portion of the month after I canceled. The check was cashed, and I didn't hear anything for almost 2 months, when a credit collection agency contacted me. The credit agency is Credit Control ( XXXX ), told me I owed {$170.00} ( roughly ) remaining on the account. I explained my situation and said I wanted to dispute the debt. After about 2 weeks, the Credit Agency called me back again saying XXXX was not going to change the amount they say I owe, and did not have to accept my payment as final payment because they did not sign a credit release form, or something like that. I told the Credit Control agent that I needed to think about what to do, after they told me it would go on my credit report starting Sunday XX/XX/XXXX. I think this is pretty raw deal for me, I don't believe that a company changing a policy after I signed up for something, without direct notice is fair. If they don't need to accept my payment as final payment without signing something, I certainly don't think it's fair to let them change their terms of service without having me sign in receipt of the changes. I certainly did not sign up for a contracted service, for them to enforce that later on is wrong. I've done everything I can to right this, I have chatted multiple times with the XXXX billing department, twice with the Credit Control agent, and written into XXXX. I paid a fair portion of the final billing cycle, included the text of the chat with their agent who told me I wouldn't be charged for the portion of the month after I called to cancel. XXXX changing the policy of the plan for which I signed up without direct notice of changes not buried in 200 pages of fine print is not fair to the consumer.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

I received a notice from XXXX Credit Reporting indicating that I had a negative event occur. It turned out to be from a collection agency that claimed I was overdue in the amount of {$2800.00} to XXXX XXXX XXXX. I do not have, nor have even had, an XXXX XXXX XXXX  account. I contacted the Fraud Department at Credence Resource Management , LLC to get answers. They indicated that this was most likely fraud, and that I needed to report this to law enforcement, fill out their attached form, and send it to XXXX XXXX XXXX directly for resolution. I completed all steps, to include proofs proving this was not my account or debt. 

To this date ( several months now ), I can not reach anyone at Credence or XXXX XXXX XXXX concerning this case. No one will answer the phone or answer emails. This has lowered my credit score by almost XXXX points, which will affect any future credit I seek. 

Arbitrarily filing credit report negative reports should be illegal.
Consumer complaint received 2021-04-14
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. (TX)

XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-23
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 (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CAPITAL ONE BANK USA N XXXX Balance {$550.00} CAPITAL ONE BANK USA N XXXX Balance {$600.00}
Consumer complaint received 2019-09-09
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. (IL)

I have 2 XXXX XXXX hard inquiries, ( XX/XX/XXXX ) and ( XX/XX/XXXX ) on my TransUnion report that do not belong to me. I want these inquiries to be removed immediately.
Consumer complaint received 2022-10-05
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. (TX)

In accordance with the fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX and XXXX XXXX  have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I have tried multiple times to protect my identity, someone used my social security number to apply for a creditor called The XXXX XXXX XXXX, there is now a balance of {$77.00} dollars in collections from this company i did not authorize and have tried multiple times to ask for it to be resolved. This is negatively affecting my credit and i do not believe i should suffer for someone elses wrong doing. The companies contact information is XXXX XXXX XXXX XXXX XXXX XXXX, WAXXXX phone number ( XXXX ) XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Hard Inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!