davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (MS)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (AL)

My identity has been used Ive filed a ftc report and mailed it to the credit beuras but no action has been taken this is affecting me from establishing positive credit I want to buy a home in the future please remove this fraudulent account from my credit report the name of the account is called XXXX  XXXX XXXX.
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (GA)

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, XXXX, & Experian are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Consumer complaint received 2018-12-23
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. (GA)

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, TransUnion, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Consumer complaint received 2023-03-29
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)

This is my other endeavor to tell 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 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 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
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

Card has been on a " security hold '' for no apparent reason and without notice to myself since XX/XX/18. Customer service will not, or can not take any action including payment, closure or resolution until I speak with their security department. I have made 3 attempts to contact the security department via phone and was placed on hold without answer for a total of 5 hours over the past week ( last call was XX/XX/18 ). They have refused to close the account, and I have no means of contacting them other than the phone, which they do not answer. HSBC has had a high volume of similar complaints on various consumer sites.
Consumer complaint received 2023-03-29
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. (CA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 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 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 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
Consumer complaint received 2021-06-10
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: FREEDOM FINANCIAL NETWORK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX XXXX XXXX. Sued me for a past debt they purchased from XXXX XXXX. Before the suit I received a letter to dispute the debt. I did wright a letter but never heard back from them. I defaulted on the suit and called MIDLAND and agreed to a lump sum pay off and requested a letter I paid it off. I received a letter saying they agreed to accept the lump sum on or before the date the letter was written, I paid the amount they asked and never received anything after this. Seven months latter they sued me again for the same account I paid them off for this time a larger sum of money. I called them and they said if I paid it already to disregard the summons to court.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX is reporting inaccurate information ; a derogatory account is reporting in the amount of {$1200.00}. They have failed to provide me with me with validation that this account belongs to me. I have made several requests for this information. If the information can not be validated it must be removed immediately.
Consumer complaint received 2023-03-29
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. (WY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2018-12-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was really shocked when going over my credit report when I found a late payment on XXXX of 2018. 
I don't know how this happened. I always make my payments to you when I get the statements. It must be that the statement never got to me.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I submitted a chargeback request " dispute '' to my Bank under the case XXXX XXXX and a few days agoon XX/XX/XXXX I saw on my account the reversal of the provisional credit given for this claim. I dindt get any letter or communication from the bank with the reason of the denied dispute. 
I answered all the information they requested by fax. 

The ammount is {$440.00}
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-12-23
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (DE)

XXXX XXXX XXXX falsely reported a 30 day late payment on my XXXX credit report. I was never 30 days late on any payment. After bringing it to their attention, they still refuse to remove the false reporting.
Consumer complaint received 2023-03-29
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (MI)

In 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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/19 Tuesday I tried to enroll in the XXXX XXXX Upgrade Program to purchase a new XXXX XXXX XXXX this coming Friday at XXXX XXXX PST. I have to get preapproval before being enrolled. My application kept getting denied due to " personal information not matching credit report ''. I called the lender for the program, XXXX XXXX, and after trying their initial solutions of double checking credit card security codes and multiple cards, I still faced the same issue. Then I was transferred to talk to Equifax and they said they do not have my credit report history for some reason. I checked on XXXX XXXX and can only get from XXXX. So Equifax told me to call XXXX XXXX to send them info regarding my history so they can process that. I then called XXXX XXXX one more time and all the representative told me was that they can only send an appeal, even though that requires Equifax to verify my information, which they do not have on file.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MA)

I applied for a checking account recently My application was denied based on information provided by consumer reporting agency, Early Warning I contacted the agency, disputed the account in question I received an email from early Warning indicating the refusal to accept that its no my account i am not the owner of this account, i am only aware of its existence as a result of the reporting. 

I have been the victim of recent identity theft, in states of XXXX XXXX, XXXX  and XXXX. I have evidence of this.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal won't let me send a donation to a candidate, on XX/XX/19 their live chat agent said I had to fax them my SSN and drivers license and a utility bill. I did that, they still will not let me send $ $ and when I call they make me listen to an endless recording of irrelevant info I have been on hold for a really long time. Their website says no live agent is available. I have enailed them 10 times about this but they never answer my emails.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.