davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings (OH)

There were multiple issues with this company. To start they called me at work. You can say my place of employment is one that would be considered unusual or inconvenient by the FDCPA because we answer emergency medical calls on the line they called. When I picked up the phone they said they were a law office trying to keep me from going to court to put a lien on my car. They also said they mailed something to my address ( my correct address ) and it was returned. I'm not sure why this one piece of mail is returned but nothing else has ever had problems. The debt they are coming after me on is well over the statute of limitations in the state of Ohio, and when I asked what this was for all they could tell me is it was a mastercard. My credit report is clear of any derogatory marks. I have spent the last 3 years monitoring my credit closely and taking care of any old debt on it.
Consumer complaint received 2018-06-30
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. (TX)

I have been living in XXXX XXXX since XX/XX/XXXX. I renewed my lease on XX/XX/XXXX. That means this account is NOT new. But in my transunion credit report, it shows that I have opened 3 accounts in the last 2 years when I opened only 2 accounts. XXXX account was opened in XX/XX/XXXX and it renewed on XX/XX/XXXX. But it shows that I opened a new account with XXXX in XX/XX/XXXX when I only renewed it. That info shouldnt be there.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.
Consumer complaint received 2022-12-02
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. (CA)

On XX/XX/2022, I mailed a letter to Experian stating that they needed to block or delete fraudulent accounts from my credit file as per the law FCRA 605 ( B ). FCRA 605 ( B ) the states that credit bureaus must lock or delete said fraudulent accounts within four business days of receipt of a police report naming these accounts. 

Included on my letter mailed on XX/XX/XXXX, was a letter clearly stating identity theft, my information, specific names and account numbers as well as balances of fraudulent accounts. I also included a copy of my passport and Social Security card with Social Security number. In addition, I included my official XXXX XXXX police report from XX/XX/2022 ( incident # XXXX ) which clearly states the name of fraudulent accounts and balance, as well as all my details and all police details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still fraudulently reporting on my credit reports. These items need to be deleted immediately, or I will pursue immediate legal action as I have evidence of this illegal violation. I also have a police report and other legal documents backing up my claim. 

This is illegal in a violation of the FCRA. FCRA 605 ( B ) clearly states : FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under ( Link : XXXX : XXXX ) I have done exactly as I was told and this is now a documented violation of the FCRA. Please block or delete this accounts from my credit report ( s ) immediately in compliance with the law.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (WV)

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX  account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Consumer complaint received 2018-06-30
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. (TX)

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of  XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Consumer complaint received 2022-10-11
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. (GA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-28
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: The CBE Group, Inc. (HI)

CBE GROUP is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with CBE group. 

I reported this to XXXX Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

CBE group has a negative reputation for this predatory form of extortion. They are destroying my credit. My XXXX score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.
Consumer complaint received 2021-10-28
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. (NV)

Account on my credit report have not being verified, TransUnion agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.
Consumer complaint received 2018-08-22
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: CITIBANK, N.A. (CA)

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXX XXXX  assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX  should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-07
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-22
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. (GA)

On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.
Consumer complaint received 2022-10-07
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

Rushmore sent me a check saying it's refund of overpayment to escrow. I took the check to my banks ATM and deposited it and then the bank said I was committing a fraud and closed my bank account. To fight back I pretty much demanded a letter from Rushmore stating the check was not a fraudulent check to take to the bank. They said they would send a letter stating this and I still don't have a letter and it's been a week now, since I spoke to a manager. I told them at that time to never send a me check ever again and to put any overpayments towards principal, now I'm getting a calls saying the check has been cash and I need to sign a statement saying I didn't commit fraud with them before they will post the money to my loan. That check has not been cashed the bank refuses to give it back and are investigating me for fraud because of the poor quality of the check. Rushmore are a bunch of crooks, now I am loosing on the interest that I could have been saving on this loan everyday this goes on. Being called a fraudster by these XXXX  and my former bank XXXX XXXX, and still no one is taking responsibility for what they have done to me. I want these people off managing my loan, they are liars and crooks. They need to be investigated thoroughly and there business practices reviewed closely.
Consumer complaint received 2018-06-29
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 am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( knology ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I am VERY DISAPPOINTED with my RESPONSE FROM AMEX for the adverse action denial letter I received regarding BOTH open-ended consumer credit plan. SO, BEFORE I REPORT THIS COMPANY AMERICAN EXPRESS FOR SECURITY XXXX TO THE SEC FACT : I was denied. 
FACT : In the denial letter it was stated that my current credit report WAS USED to do so. 
FACT : 15 USC 1681i states I have the RIGHT to dispute this denial FACT : IF I CONTINUE TO BE DENIED YOU WILL BE IN VIOLATION OF 15 USC 1681 WILLFUL NON-COMPLAINCE FACT : NO COMPANY CAN PULL MY CREDIT FOR ANY PURPOSE OTHER THAN CHILD SUPPORT 15 USC 1673 ( a ) ( b ) ( c ) Public Law XXXX FACT : No company can legally report ANY LATE PAYMENTS ON MY CREDIT REPORT 15 USC 1666 XXXX a ) Timing of payments, it also clarifies how to use the opened consumer credit plan by signing each statement accepting for value and returning FACT : I WAS DENIED BECAUSE YOU WANT ME TO PAY WITH DEBT NOTES AND THAT IS NOT A LEGAL FORM OF TENDER FACT : 15 USC 1666 ( b ) Grace Period states, I have time to repay any portion of this without incurring any additional finance charges FACT : WHOMEVER CHECKED MY XXXX XXXX FOR THIS OPEN-ENDED CONSUMER CREDIT PLAN DID IT UNLAWFULLY AND UNJUSTLY. 
YOU ARE BREAKING THE LAW
Consumer complaint received 2022-12-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XX/XX/2021
Consumer complaint received 2023-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a message from the bank saying that there was an abnormal card use. I immediately suspended the card and reported my unused card statement. 
I explained to the bank via XXXX XXXX the stores I hadn't been to and asked them to compare my card usage time with my location. 
I didn't lose the card and it was used at XXXX XXXX around the time I used it at XXXX XXXX XXXX. 
I made a claim about this twice, but they didn't accept it, and they didn't send me any documents to support their decision. I visited the stores where a large amount was used and asked to see the card usage time and XXXX, but they said they couldn't give it because it was personal information and told me to ask through the bank, and told the bank the information. But I don't know if they requested that information. 
I think I was scammed by card duplication