davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX/TransUnionCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX/TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired XXXX XX/XX/2020 2020
Consumer complaint received 2022-05-17
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 XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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.
Consumer complaint received 2022-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

n accordance with the Fair Credit Reporting act XXXX Account : U.S. Department Of Education # XXXX, Capitol One # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group (FL)

I had someone named XXXX XXXX who falsely identified himself as the compliance officer of Florida from the number XXXX call my phone saying he was coming to my house or my job to make me pay money for something I owed. This was the voice mail he left me after calling my aunt and my mother, trying to make them give out my personal information. Also on the voicemail he left the office number which is XXXX. I called and spoke with someone who turns out to be a debt collector not the compliance Officer of Florida. They demanded payment from me of {$5000.00} which was {$4000.00} over what was really owed. I hung up and called the original creditor who explained to me they never tried to sue me they sold the account to a collection agency and lucky provided me the information to the collection agency. Because when speaking to the collection agency they gave a false name of the company and lied and said they where an attorney office. Their real name is Northwood Asset Management Group, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The first point of contact was XX/XX/2021 at XXXX I missed the call and they left there first voicemail they called my mom at XXXX and my aunt at XXXX all on the same day. Trying to bully them into giving my address. I called the office on XX/XX/XXXX at XXXX to discuss the calls and the threats they were making. They continued to lie and make up different amounts of money I owed. I hung up with them and that was the end, or so I thought so today XX/XX/2021 at XXXX the calls and the threats stated back as well as calling my family once again. I called mad and said stop calling my family with out identifying myself the worker starts telling me XXXX XXXX XXXX your broke, your poor you have a XXXX credit score. How do you accuse me of a name and never verified the call I never stated my name. But it gets better he then goes on to say he wishes I have a XXXX XXXX and my XXXX XXXX as a mother when she had me then hung up and blocked my phone number. This is unacceptable honestly, pure disgust.
Consumer complaint received 2022-05-17
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. (GA)

XXXX XXXX XXXX reported a late payment on my consumer report for XX/XX/2022. This is a violation of my rights as a federally protected consumer under 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report can not include information solely as to transactions or experiences between the consumer and the person making the report and late payments are Under 15 USC1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
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. (GA)

XXXX XXXX XXXX reported a late payment on my consumer report for XX/XX/2022. This is a violation of my rights as a federally protected consumer under 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report can not include information solely as to transactions or experiences between the consumer and the person making the report and late payments are Under 15 USC1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-18
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am trying to purchase a home and found that i have a bankruptcy on my credit from the Nevada Federal court. This is not me because I have never been to Nevada. I filed a dispute with Trans Union because it is only showing up on that report. After the XXXX days was up, I called them and they informed me that it had been investigated and found accurate. i never received communication regarding the findings and when I asked to have it sent to me they informed the that that information was n't available. I have provided them with a letter from Nevada Federal Court that states I do n't have a bankruptcy in their system and have supplied that to Trans Union. Trans Union i not willing to supply the process or contact information for the vendor used to verify the item they put on my report.
Consumer complaint received 2023-07-19
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 (NY)

I contacted bank of america about fraudulent charges on my credit card on XX/XX/2023. I spoke to a representative and listed the charges I knew to be fraudluent. One was for one of the semi-legal weed shops another was nearly {$100.00} at target, and at a pharmacy I haven't used. The rep said I would have the money refunded while they investigated my claim. On XX/XX/2023 I got a message saying they were unable to approve my claim and were recharging my account for the amounts. Their messages say that they confirmed the charges with the merchants but provided no further details.
Consumer complaint received 2024-04-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc. (AZ)

First both my parents last thrusday. I immediately attempted to retunt eh call of XXXX XXXX XXXX or XXXX his numner is XXXX XXXX XXXX he said he is with Client Services. He told to me I had a debt that it had to be paid immediately. I explained to him I will look into this and get bck to yoiu by Monday.That was not goog enough for him he them proceed t tel me about my character and ho9w all people like mne are alike they say they are going to do somethig and they dont it and how he had to make a decesion today. I told him I will not be making any decesiona nd will spak with you on Monday. 
I call him on Monday as promised. He was not available and I left a message. He called and left me XXXX voicemails telling me that becuase where I live is the reason and its a hassel. So I need to contact him immediateely. 
He left message saying he is trying to help and offered no solutions rather threating tones and frsutrastion about why I am not returning his calls. 
Then he said I refused to work with him. I never refsued anything since he offwerend notherin but telling me how I could not hij call him back and that I need to call him on my lunch break. 
He also said I should be off work saying that you had time and to call on your break and did not which means you do not care. All these call were in one day! 

While speaking with him he made a disturibing comment that I spoke too slow and I was wasting his time and the enitre time never offered any solutions. Then he threatened me saying if I do not call back today he was going to close my case and move it on to the legal deprtment and I will be sued. 

The one time I did speak with him ; He kep threatening hat I will be sued if I do not take care of this debt and he knows all about " you people '' XXXX said that I will be sued in court and the judge does not like " people like me '' and I will end up paying more. 

His comments were racially dsicrimainate and threatening. His tone was aggreesive and telling me I spoke slow rude. 

I want to ressolve my debt but not being threatend by people r refefered to as " people like you or " you people.
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has been an address listed for me that I have never lived at. It belongs to my parents who moved there less than a year ago. Prior to that they kept sending mail to their previous address which I did live at years ago. I have been asking AMEX to remove the previous address and now my parents current address for years with no luck. I have filled out their forms, chatted with their agents online, and have called several times. This isnt just a mailing issue though. I am a mortgage loan originator and it showed up during my application process to several states and held things up. This has not drastically impacted me in a negative way, but so long as AMEX continues to inaccurately report an address for me, I am at risk of financial information being mailed to the wrong address as my parents are moving again in XXXX. I am having trouble getting anything done directly with them. Please help.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

XXXX XXXX XXXX  # XXXX and XXXX  XXXX   # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX  funding but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a report on XX/XX/XXXX stating that capital one was attempting to collect a debt on accounts that I was a victim to fraud. When I spoke to XXXX they stated being that it was in XXXX there is nothing they can do. I made a report ( complaint id : XXXX ) the report was responded to and closed on XX/XX/XXXX stating that capital one needs more time and they are forwarding my fraudulent application claims to their Fraud Department XXXX Also, to give them 90 days from XX/XX/XXXX for the investigation process to be finalized. It is now XX/XX/XXXX, well over 90 days and I have not had any correspondence. All in all, capital one has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed account which means that they have NOT verified or they can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (OH)

I received a letter from American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stating I owe {$30.00} to a Creditor which is XXXX XXXX XXXX 

I contacted Collector at XXXX and explained to them that this is fraud and I already have all XXXX credit bureaus frozen. I have been dealing with Fraud for last 7 years on a regular basis. I never dealt with XXXX XXXX. This is not my account or charges, this is Fraud.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: The Bureaus, Inc. (GA)

There are numerous inquiries on my account affecting my credit score. The Bureaus Inc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX  XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC (GA)

Company name is RSG. They mistakenly think that I am someone else. I was issued this phone number over 4 years ago and am still getting debt collection calls and now threatening texts that they are going to contact my family members to get their money. I have told them repeatedly that I am not these people nor do I even have any idea who these people are. They persist.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are numerous inquiries on my account affecting my credit score. The XXXX XXXXc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My capital one credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Called XXXX, Equifax, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Consumer complaint received 2022-10-27
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. (VA)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-27
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. (VA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.