davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

American Express put a hold on my Gold Delta Skymiles account with a credit line of a whopping {$1000.00}, without any notification. The reason given was that I had used the card with XXXX, which is prohibited. 

I put that in quotes because I had never HEARD of such a policy. I have multiple other cards that Ive enjoyed using with XXXX for my entire life, but apparently Amex does not allow this. News to me. 

So I call to see whats going on, and was given that answer, to which I was flabbergasted. They then went on to demand a conference call with my checking account bank ( XXXX ), to inquire as to the balances of my acccount at the start and end of the last 3 statements. 

As you might know, my balance at the time of the start or end of a statement has ABSOLUTELY NO bearing on my general financial health or responsibilities. Its a completely arbitrary time choice. 

Nevertheless, they humiliated me through this process, having my balances read to them over the phone. 

They then submitted my card to further review to see if the limit needed to be adjusted. When I inquired how I was to know when a decision has been made, they said I could just call back. Not even the courtesy of letting their customers know the outcome. 

I have paid my Amex bill on time and in full at every billing period, and they should have no right to inspect my checking account because of a completely honest mistake of using the card with XXXX. ( Who knows this!?! ) In particular - the woman who handled this miserable process - her name was XXXX. That was all the info she would give me. I wished to report her personally as she was the rudest, most unhelpful employee of a business that essentially is there to serve ME ( and the rest of their customers ). She humiliated me and talked to me like a child.

It was either submit myself to this awful process or have my card closed, which would cause damage to my credit score. Thats extortion. 

Shame on you American Express.
Consumer complaint received 2022-05-06
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. (OH)

In accordance with the Fair Credit Reporting act, Experian Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX  - AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} XXXX Accounts XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX. ) XXXXXXXX XXXXXXXX XXXXXXXX XXXX - XXXXXXXX XXXX - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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.
Consumer complaint received 2022-01-09
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: CITIBANK, N.A. (GA)

On XX/XX/2022 XXXX XXXX alerted me about new activity on my credit report. It was determined CBNA requested my credit score from XXXX. This request was not authorized by me, so I immediately placed a freeze and a fraud alert on my credit report with the three major bureaus ( XXXX, XXXX, and XXXX ). Also, I attempted to contact a CBNA representative on XXXX, XX/XX/2022, but this organization was closed. However, I will contact the company on XXXX, XX/XX/2022. XXXX XXXX will investigate this fraudulent activity too.
Consumer complaint received 2022-12-14
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. (DE)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-01-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CT)

I went to my local bank, wells fargo to make a deposit of {$1900.00} to pay my rent, low and behold they tell me business and personal accounts were just closed on XXXX XXXX 2017, i would have to pay any fees to fix the situation, it cost me around {$500.00} and the accounts would be reopened in a mater of mins, well i gave the teller the {$1900.00} and she began to make the deosit on her computor, then she called the back manager to ok everything, well turns out the accounts were never opened and i lost all that money, i waited a day rechecked my account and nothing, i walked into the bank that next morning and they told me they ca n't help me! still 5 days later, nothing, i spent the entire weekend trying to resolve this by phone and internet.i got nowhere. this all happened at the XXXX Branch on XXXX XXXX in Ct .The only thing i walked out of was the reciept for this entire transaction.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to Transunion threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.
Consumer complaint received 2022-01-09
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 — Investigation took more than 30 days
Company: Source Receivables Management LLC (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (FL)

On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client XXXX XXXX XXXX XXXX purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX  with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX  credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

On     XXXX   XXXX   XXXX       I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed Equifax,  XXXX , and  XXXX  are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union reporting to XXXX XXXX removed my XXXX Account from the report which negatively impacted my score by 13 points. There is no reason to remove the account from the report. The account is active, paid on time and had a positive impact on my credit score prior to its removal. There is no explanation as to why this occurred. XXXX indicates it is currently reporting this account to the three credit reporting agencies. 

Accounts Removed XXXX XXXX   XXXX  - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2019 and XX/XX/2019, your credit card with XXXX PERSONAL MASTER was removed from your credit report.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have 1 of my collections listed as " medical ''?? but they " verified it, 2 '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Consumer complaint received 2022-05-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-12-14
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. (GA)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have 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 an 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 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 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have XXXX of my collections listed as " medical ''?? but they " verified it, XXXX '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Consumer complaint received 2024-03-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 2016-06-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (IL)

I had XXXX accounts through Paypal Credit. I was shocked to receive a letter the other day saying I owed some money. I had previously contacted Paypal and was told my account balance was at XXXX. I thought everything was fine. This was the FIRST letter I ever received from Paypal. I did not know I had any kind of balance. I took care of it immediately and tried to reopen my account. Now, Paypal is refusing to open my account even though this was through no fault of my own. They told me I did n't owe anything and I believed them. I asked for a Supervisor today at Paypal thinking he could straighten this out. He said he could n't. I am extremely upset because I pay my bills on time every month. I am trying to reach someone at their Corporate office that will understand. I need to get my credit line reopened. Again, I called them and was told I had a XXXX balance. I need help.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.