davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (MN)

n 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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

I placed an order for a keyboard from XXXX, unfortunately I did not see that it was a XXXX vendor, which I avoid for reasons like this. I received a broken bag of plastic, so I started the return process with XXXX but the seller refused the return and offered me XXXX of what I spent as a " refund ''. Because XXXX will not step in in time, and I did not want to have to pay for this and then wait over a month for a refund check, I filed a dispute with PayPal Synchrony. Their process forced me to FAX the dispute. I faxed it and they received it yet still showed that I owe that amount. I called their support line and despite letting them know I am a XXXX  American and that the XXXX clearly does not allow a company to show one thing and say another, they insisted I do not owe the money shown on my online statement, thereby giving me mixed messages and discriminating against my protected status.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2018, I received a targeted e-mail promotion from American Express for my American Express XXXX XXXX card to earn 10x the bonus points for purchases with XXXX. When I clicked the link to enroll my card in this promotion and then clicked enroll within the link I repeatedly received an error message saying they were unable to enroll my card due to a system issue and to try again later. I have tried to enroll my card for this offer on numerous different browsers for 5 straight days and receive the same message every time. I contacted Amex regarding this issue and was told there was nothing they could or would do to fix this issue to get my card enrolled in this offer. I find this to be fraudulent and misleading advertising.
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX   XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX  XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX  and XXXX  removed the info from my XXXX permanently. XXXX  removed the info then added it back to my XXXX after a couple months.
Consumer complaint received 2022-11-20
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. (IL)

I tried to apply for a car they told me i had 20 hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ), XXXX  ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Retailer ), XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Auto XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On XX/XX/2019, using the Zelle app, I sent {$400.00} ( as a security deposit ) to someone who was supposed to become my new roommate. They said after I sent the deposit, that I would receive the keys to my new place. Unfortunately they ended up being a scammer. I drove from Colorado to XXXX XXXX for this and now I have no money and no place to live. Zelle has no policy on this and therefore did nothing to help me and my situation. I have the email of the scammer and they sent me pictures of their I.D . ( which I'm guessing is not really them. ) If that somehow helps at all. But if there's anything that can be done, I'd really appreciate it, seeing as I am now broke and homeless.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Rory W. Clark, APLC (CA)

XX/XX/XXXX contacted XXXX XX/XX/XXXX XXXX XXXX in attempt to pay debt -- informed it was archived and no payment was required. 

XX/XX/XXXX receive letter from FarMar Law Group threatening legal action in regards to this account.
Consumer complaint received 2018-11-04
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: Millco Management (AL)

I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

A XXXX prepaid gift card was purchased at XXXX on XX/XX/XXXX for {$50.00} which does not expire until XX/XX/XXXX. Upon checking the balance and putting in the card number and the pin I found out the card has no balance. I called the number on the card several times in the past years and when I gave the security code of XXXX is incorrect. I called them again on XX/XX/XXXX and spoke with XXXX at XXXX am, XXXX at XXXX am who was rude, raised is voice and spoke to me in a tone I didn't appreciate. He told me it was purchased at XXXX on XX/XX/XXXX for {$50.00} but that there were no purchases on this card and that the problem could be with the information entered upon purchase of this card at XXXX I was then referred to XXXX and after talking to XXXX that same day, XX/XX/XXXX who told me she could not pull up the transaction and I was then referred to XXXX XXXX XXXX and spoke with XXXX in the XXXX who did not help me.I left a message for XXXX management to call me back but haven't heard from them. 
I called US Bank National Association today XX/XX/XXXX and received no assistance.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (CA)

I was in the process of applying for a personal loan with " PROSPER '', with an understanding that, it will only be a soft inquiry, unless i'm approved, during the cause of this, they pulled my credit! and i received a letter stating, they were unable to extend the loan Due to a low Fico and late charges, it seems they were just making up excuses, because non of these is true, my Fico is in the mid 700s, and never been late in anything on my credit, however, i have made several attempts to have the hard inquiry removed, but all efforts proved abortive, this ' a complete deception on the part of this bank " PROSPER ''
Consumer complaint received 2019-08-30
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. (MD)

transunion will not fix an error it has been reporting on my credit file - i have disputed numerous times and they refuse to fix it. the dispute is with a XXXX  XXXX auto loan - from XXXX they report my last payment date as XX/XX/XXXX - this is not correct - the first date the account went delinquent AND STAYED DELINQUENT was XX/XX/XXXX - i know this for fact as i was in the XXXX maryland XXXX homeless shelter XXXX ( located at the XXXX XXXX  XXXX XXXX XXXX and i have a letter from them on their letterhead validating this fact - i can send if needed ) - i had no money to pay anyone i attached transunion 's own report i pulled and you will see where transunion reports the last payment was made in XX/XX/XXXX and never got out of delinquent status. so this being the last payment date - this item should be scheduled to be removed from my report XX/XX/XXXX.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In the year of 2013 the month of XXXX I was XXXX in the XXXX XXXX   XXXX some one had stolen my identity and opened this account the amount of the charges that is on my credit report is XXXX this should be removed from my credit report.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

HSBC Bank Nevada, N.A. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX. attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from XXXX XXXX XXXX ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
Consumer complaint received 2019-08-30
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. (TN)

. I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-08-30
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. (MO)

On XX/XX/XXXX I uploaded a document from the original creditor that deemed me not liable for the debt as it was found that I was a victim of identity theft through documents that I submitted to them. 
I contacted Experian today, XX/XX/XXXX, requesting the significance of this investigation and not deletion as I have been disputing this debt for several years but instead it has been coming back as " verified and been told to dispute with the original creditor on numerous occasions. After speaking with the Fraud Department Manager, I am now being told that my letter from the original creditor did not pass Experian 's Authenticity process! 
Experian is now stating Im providing false documentation to them after Ive been victimized.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-30
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. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I received a collection letter from RPM ( Receivables Performance Management LLC ) today on XX/XX/2018, in an attempt to collect a supposed debt to XXXX for {$320.00}. 
The letter states if you do not notify their office within 30 days they will assume this is a valid debt. I called them immediately upon receipt of the letter, XX/XX/2018, and was told I can not dispute it. The woman I spoke to threatened that they can take legal action, told me I can not dispute, and proceeded to hang up on me. I do not owe XXXX any money. The XXXX account in question that I previously had for several years was in good standing and was paid off, which is how I was able to get my pin number from XXXX in order to go to a new company. Nothing was left owed to XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
Consumer complaint received 2019-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, I asked Bank of America to close my CD account # XXXX. This was a CD account that secured a line of credit that had been paid off 100 % and then closed earlier in the day. I made this initial request by phone. I was instructed to visit a branch where I was told I would be able to close the CD account that day, so I made an appointment for XXXX XXXX. I arrived at the bank of America local branch at XXXX XXXX XXXX, XXXX co XXXX at XXXX XXXX, and was not seen until XXXX XXXX. At that point, I explained the situation to the banker, but they were unable to close the account. I asked to see the manager, XXXX, who was also unable to close the account, but promised to monitor the account and call me after the 24 hour hold on the CD had expired. 15 days later, on XX/XX/XXXX, after having received no call from XXXX, I called the bank and spoke to XXXX again. He said he was still unable to close the account, and has given me no path forward to be able to close the account. I need the money held in this CD to pay my rent. I didn't know what to do, so I'm submitting the complaint now.