davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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: AMERICAN EXPRESS COMPANY (NJ)

I have a credit card with American Express called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by American Express that I should keep this card for 12 months before I apply for a different card and now I have this card for 1 year and 8 months and I have applied for different card to give me benefits and American Express still declining my application American Express keep lying to me as I have sent a complaint before to cfpb and American Express replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for American express blue cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because American Express likes me to keep the card I have because they charge me annually for it.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts 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
Consumer complaint received 2020-11-06
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. (FL)

I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : XXXX Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
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. (NJ)

For the payments of student loan account XXXX on XX/XX/XXXX and XX/XX/XXXX, payment was given over the phone to XXXX  ( at the time XXXX XXXX ) Customer Service representative. Payment was not made to correct account two months in a row, and we only realized that the payment was put into other accounts after the fact. Please know that at the time, I had more than 5 separate student loan accounts for different years of XXXX with XXXX XXXX, all of which were similarly paid by phone but never " past due. '' We spoke to XXXX XXXX and were assured they would rectify the alleged " late '' payments that were not actually late, but misplaced by XXXX XXXX themselves. However, after several years and requests this has not been done. As such, my credit report continues to show this specific loan as being not paid for the months of XX/XX/XXXX ( " 90 days past due '' ) and XX/XX/XXXX ( " 120 days past due '' ). I have recently initiated a credit report dispute through Experian, which rectified another similar discrepancy for XX/XX/XXXX. For whatever reason, the discrepancies for XX/XX/XXXX and XX/XX/XXXX were not similarly rectified. I demand that XXXX finally resolve this discrepancy and notify the three credit reporting bureaus that this is resolved, remove the delinquencies, and to update my credit reports. Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (VA)

For weeks now l have contacted there customer service department and they are suppose to waive the {XXXX annual fee based on there promotion when l signed up for there credit card and every time l call they say they are still working on it and has been going on for weeks, l need someone from this company to take action and get it done, no bank or financial institution takes this long to take action, this company has been a struggle since day one. I am seeking help. I need the fee waived as promised.
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (AL)

I submitted a dispute with Experian XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 Experian removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from Experian, XXXX, XXXX. To date this information still remain ....
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX XXXX XXXX have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX XXXX XXXX by reporting false and inaccurate information.
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I had a XXXX year XXXX XXXX with an apartment complex called XXXX XXXX XXXX. 60 days prior to my lease ending, I gave them a 60 days notice, and continued to pay my for the final month which was in XX/XX/XXXX of XX/XX/XXXX. They are claiming I owe them 2 month Rent plus Interest? THAT'S IMPOSSIBLE, when my lease didn't end till XX/XX/XXXX and it was paid in XX/XX/XXXX and they were fully aware. When I saw this and called the Leasing Office, management told me my files were lost because after a new company took over, and I needed to contact HUNTER WARFIELD INC to dispute, I've called the collection agency and has been disputing this for almost 3 years now.
Consumer complaint received 2020-11-10
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. (NV)

On or around XX/XX/XXXX : I sent a dispute letter to Experian for reporting an " unknown '' account that is reporting negatively on my credit report. 
Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 2nd dispute letter to Experian requesting deletion of the negative " unknown '' account and requesting documentation proving ownership of the said negative account. Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 3rd dispute letter to Experian again requesting deletion for failing to accurately report the " unknown '' account. Experian was notified that they were reporting different years and dates under the Date Of Last Activity and to delete for inaccuracy and re-aging violation. Experian responded that the account has been updated and verified without any correction of violation. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian again requesting deletion for " unknown '' account for failing to report a " disputed '' account in the comments and remark section of my credit report. Experian responded that the account has been updated and verified without adding remarks and without any investigation or proof thereof. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian again requesting for deletion of " unknown '' and " unverified '' account. I requested the Method Of Verification showing me actual documentation bearing my signature when this " unknown '' account was opened as required in section 609 of the FCRA. 
Experian responded that the account has been updated and verified without any investigation or proof thereof.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX XXXX case # XXXX XXXX XXXX XXXX # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers Portfolio Recovery calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. Furthermore, this collection company was notified of various other accounts in which I told them did not belong to me but they continued to harass me until the banks looked into the matters and confirmed the accounts to be fraud. Once they learned the banks verified the other accounts where not mine then and only then did Portfolio Recovery back down from their collection attempts. The account is reporting as XXXX XXXX Bank for {$440.00} via Portfolio Recovery.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2020 XXXX put a hard inquiry on my credit report. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CO)

XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.
Consumer complaint received 2020-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke to a Transunion representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX thank you
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2019 XXXX XXXX  put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2020-11-07
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: Designed Receivable Solutions, Inc. (CA)

On XX/XX/2017, Designed Receivable Solutions added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Designed Receivable Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint concerning the many unsuccessful attempts I have made to correct a late open accounts and remove a public record from my credit report. Despite my persistent efforts, these items continue to adversely affect my creditworthiness and financial standing.

Previous Attempts to Address the Issues : I have previously disputed these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and public record persist on my credit report. 

I request an immediate and thorough investigation into both the late open account and public record to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
Chapter XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2020-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have 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 2020-11-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.