davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

I XXXX XXXX XXXX contacted XXXX, XXXX, And EXPERIAN FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS COMPANY is obligated pursuant to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filings and Indenture agreement to perform their contractual obligation by making payment of the principal amount and interest on all notes issued to the registered holder of said note. Consumer sent several notices via UNITED STATES POSTAL SERVICES dated XX/XX/2023, XX/XX/2023 to XXXX XXXX XXXXXXXX XXXX XXXX notifying him of redemption of said note and to transfer the principals balance to the principals account number to set-off the account to XXXX as stated in AMERICAN EXPRESS COMPANY indenture agreement Method of payment ; Denomination ; Transfer ; Exchange ;. 

Said company had 3-5 business days upon receipt of such notice to perform their Fiduciary duty, but failed to act in honor and good faith pursuant to their contractual obligation. AMERICAN EXPRESS COMPANY is also obligated by the FCRA to report accurate accounting to Consumer Reporting Agencies CRA, however the reports being furnished is inaccurate and a defamation of consumer character. SAID company is also liable under the CFPB and SEC to remain complaint with financial laws and regulations. AMERICAN EXPRESS COMPANY commission file number XXXX. XXXX XXXX. SAID company is still reporting inaccurate and late payment information on an open ended credit card account which is a violation of 15 USC 1666A, 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ; took an adverse action against the consumer by decreasing the credit limit due to their failure to not act in good faith by not applying consumer credit balance to set-of the account ; which is discrimination under the Equal Credit Opportunity Act ( ECOA ). AMERICAN EXPRESS COMPANY willfully and knowingly choosing to act in dishonor is damaging my consumer report, causing me mental anguish and emotional distress. I will be filing Treasury XXXX forms XXXX and IRS XXXX form XXXX to audit consumers account. AMERICAN EXPRESS COMPANY is securitizing my data yet refuse to transfer the principal interest to the principal balance to set-off said account to XXXX balance which they are lawfully required to pursuant to their indenture agreement; SEC filings XXXX, XXXX.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (CT)

A XXXX XXXX  credit card was opened in my name 8 years ago. I have called XXXX XXXX   XXXX who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to Equifax and still after a year I have no resolve.
Consumer complaint received 2021-05-18
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: ENCORE CAPITAL GROUP INC. (TX)

on XX/XX/2021, I sent 4 Certified letters to Midland Credit Management Services regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing Midland Credit Management said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.
Consumer complaint received 2022-04-13
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)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 2. Us Sm Bus Admin Oda XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (DC)

Received a text message from Harris & Harris on XX/XX/ which read as follows : " [ last name ], Harris & Harris is a debt collector for The Government of Washington DC. To Pay : [ web address ] or call XXXX. STOP to stop, msg & data rates may ap '' I called during business hours the same day, spoke with a woman, and requested they send a letter validating this alleged debt. She verified my information including mailing address, phone, and email. She noted they would share details, and I have received no subsequent contact via call, text, writing, email, etc. for more than ten days. 

Either the debt is in fact not valid, as I suspect, or they are delinquent in notifying. Unnecessary hassle, at best, if it is at all legitimate to begin with. There is a likely scenario where this adversely impacts my credit reportingwithout warrantabsent government intervention, in light of the significant delay and lack of details on the side of the collection agency.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent sent over 5 dispute letters through certified mail dating ( XXXX XXXX  and XXXX XXXXnforming Experian that the personal data they are reporting on my account is inaccurate and each time I demanded per federal law that inaccurate information must be removed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TomoCredit Inc. (GA)

I emailed TomoBoost Co.- ( XXXX  ) to cancel my account ( XXXX ) because I was not able to do it from their website. On XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX I requested for the company to stop charging my credit card as well. I was sent an email from someone at the company and assigned a " request '' number ( # XXXX ) - XX/XX/XXXX, XXXX and XXXX and they stated my account would be closed and no more charges would appear on my credit card. I asked them to remove my credit card from their system and too stop reporting any information to my credit report and to send me a full refund of all unauthorized charges incurred after the account closure. To no avail, I have received several charges to my credit card ( XXXX ) - XXXX, XXXX and XXXX was charged and they are still trying to use my credit card for XXXX but was unsuccessful in getting a payment. I have requested a refund several times. I have not been able to get any resolve to this issue and they don't have a phone number listed, only a contact email - XXXX. Please assist me with any direction, information, or any thing I can do to get help of this company. They have committed credit card fraud with continuing to charge my card with unauthorized charges and they are treating to put negative information on my credit report from " missed payments '' on an account that should have been closed.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (MA)

I was notified by my credit union of some suspicious ATM withdrawals via automated SMS. I indeed did not make these four withdrawals at an ATM in XXXX ( Im in XXXX ),  and the credit union opened the dispute and shut off my card. Within the same day, they closed the dispute and denied it. I called to ask why, and they said its because theyre assuming I lent my card to someone, because it was a chip and PIN transaction. I told them I had my card in my possession in XXXX when these withdrawals happened, yet they denied it and are not giving my the approximately {$700.00} back.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

Im not too educated on credit so when i checked mines for the first time i seen many inaccurate information, and accounts that i never knew anything about. Ive been very stressed because this info has hindered me from getting credit, i would like these thing to be removed immediately.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$310.00} / XX/XX/2022
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a dispute letter certified to TransUnion about information on my credit report. I asked for contract signed with my signature of the account as stated on my credit report, from XXXX XXXX XXXX, and if the credit bureau can not provide it, that it be removed and a copy of my credit report sent to me with the updates. I received a letter dated XX/XX/2022 from TransUnion that the information was verified from the collection agency. I called TransUnion on XX/XX/2022 and asked what information was provided for verification and was told it was an electronic response so they dont have any proof the account belong to me. I also asked about the contract I requested and the bureau stated they dont have it.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Jim Bottin Enterprises, Inc (NC)

When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges XXXX XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-13
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-13
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)

Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : Truist Inquiry Open Date : XX/XX/2023 Inquiry Name : XXXX XXXX Open Date : XX/XX/2023
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$310.00} / XX/XX/2022
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (GA)

NONE OF THIS INFORMATION IS MINE I HAVE CONTACTED HOSPITAL AND DISPUTED AND ITS NOT WORKING. I HAVE NO CLUE WHY THIS WAS PUT ON MY CREDIT. 




Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$1400.00} {$1400.00} Payment Info Original balance {$1400.00} Balance {$1400.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's XXXX XXXX XXXX Status date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-13
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)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account : XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-07
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. (TX)

XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.
Consumer complaint received 2021-09-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (PA)

Ally has violated my consumer rights as well as the law. I wrote to Ally on XX/XX/21 in dispute of a debt they hold in my name. In Ally '' s written response to my request, they did not include a statement given my the right to Dispute the debt. But in turn stated that they have already reported this erroneous debt to the credit bureaus. Ally has deprived me my Consumer right to Dispute debt that does not belong to me as well as Defamed my Character by unjustly reporting this negative account under my name.