davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I mailed a letter requesting validation of a debt that is listed on my credit report by Midland Funding, LLC ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XX/XX/XXXX ( attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), XXXX XXXX XXXX claim to have retained Midland Funding to collect the account for which I requested validation.
Consumer complaint received 2021-02-01
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. (DC)

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX XXXX XXXX XXXX XXXX.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW XXXX. If the documents are not provided it is in direct violation of FDCPA section 809.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (AL)

I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.
Consumer complaint received 2022-09-08
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. (NJ)

Please do not mark as a duplicate. This complaint is intended directly to Transunion. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.
Consumer complaint received 2017-09-08
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. (IL)

Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.
Consumer complaint received 2024-10-14
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. (IL)

Subject : Complaint Against EXPERIAN for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIANfor retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against EXPERIAN Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by EXPERIAN include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that Experian is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my Experian credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies.
Consumer complaint received 2019-10-24
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. (NY)

The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXX
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (AL)

I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NC)

Due to recklessly poor security on behalf of Discover Bank, an individual was able to steal my mail- and shockingly without any protection or additional verification required by Discover during an activation process- was able to go on a spending spree at a mall that maxed out my card. Discover then falsely reported that I had maxed out my credit card to the credit bureaus. Discover refuses to timely remove the false credit report and the fraudulent billing in my account that was caused because of the gross reckless incompetence of their process that allows some random person to activate a stolen credit card without any checks.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

My dispute was sent on XX/XX/XXXX and by law XXXX XXXX XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

A bonus not paid as promised by Citibank priority bonus savings and checking account signups offer : Under the promotion number Promo. XXXX I opened an account on XX/XX/XXXX, checking account ending XXXX/savings account ending XXXX. I have screenshots of the promotion at the time of the offer that promised a {$700.00} bonus after 60 days of fulfilling their deposit amounts, and for some unknown reason they add another 90 days to make sure those requirements were followed, I guess. But you don't get your bonus for at least five months. After the 5 months, the bonus still has not been paid. 

I opened the account on XX/XX/XXXX and didn't deposit anything at that time. On XX/XX/XXXX, I deposited {$500.00} to XXXX ( Citi waited a full 2 weeks before crediting it to my account. ) {$50000.00} was deposited into the savings account on XX/XX/XXXX. The hard copy signature Card was received and recorded by them on XX/XX/XXXX. The end of XXXX statement recorded the account had a total balance of {$50000.00} On XX/XX/XXXX the ACH test deposits were recorded. 
On XX/XX/XXXX, I deposited the {$50000.00} for a total balance of {$50000.00}. 

I called on XXXX and inquired about the 90-day bonus payment and was informed I would have to wait until after XX/XX/XXXX, to see the promotion bonus deposited in my account. Customer service confirmed my promotion code at that time. 

Called again on XX/XX/XXXX and " promo code not found. '' " Customer service acknowledged that she saw the record from XX/XX/XXXX and sees the promotion code from that conversation, " but it will not currently populate ''. This means that she can no longer verify that I am qualified to get the {$700.00} promotion bonus on the {$50000.00} deposit made in XXXX. She asked if I wanted to start a dispute. 

I opened a dispute. She gathered all my data and confirmed that I had screenshots of the terms of the bonus by requiring me to read every paragraph of every page. As I read, I confirmed that I conformed with every element of that offer. 
Dispute reference number services request XXXX I also asked for a physical address to send a paper copy of screenshots of the terms of the promotion and other documentation including statements : XXXX XXXX exec response unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX I was told I would hear from them by the end of last week and I did not. 

This is an years long pattern with Citibank. One web search revealed dozens of years old complaints about Citi Bank not honoring it's promotions. Most say it takes a complaint with your office to get a resolution. I find it suspicious that they can confirm my promotions code in XXXX, but it no longer exists in XXXX when the payment is due.
Consumer complaint received 2024-10-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-10-25
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 (NJ)

Dispute {$940.00} over charges for over one year. Over charged XXXX work that XXXX XXXX should be covered. 

XX/XX/2018 charged {$5500.00} by offering to open a new " CareCredit '' credit card at XXXX Office. I walked in for an emergency XXXX XXXX as a new patient. The original assessment was to extract XXXX XXXX  for promised around {$120.00} if I am a self-pay patient. Later, it was escalating to {$5500.00} for a few more works including a XXXX XXXX. I didn't bring any credit card for such expense, therefore, this XXXX  offered me this credit card without interest for 12-18 months. 

Next day, my wife told me that I still have my XXXX XXXX XXXX, and we called them a day after in XX/XX/2018. We was told that they are accepting XXXX XXXX and will bill insurance for the visit. My wife was asking for full refund of {$5500.00} because they should file claims with insurance first without pre-charging patient. 

We did not get any refund until a month later in XX/XX/2018. Plus we only got {$4200.00} refund. This dentist deducted {$1200.00} for a dental service that my insurance should be covered. I called my dental insurance, and was told that my responsibility should be {$50.00} plus 20 %. Total should be {$300.00}. Therefore, we were disputing {$940.00} and asking for refund.This XXXX over charged me for {$1200.00} because she did not follow the insurance guideline about one procedure. She also overcharged a {$260.00} dental work for {$740.00}. 

We have been writing to this credit card company over a year for {$1200.00} refund in order to avoid any financial charges while we were disputing the over charges by this XXXX. We have always received the same rejection. We believe that this XXXX  office got new customer for this credit card company. When the issue raised, they were at the same side to only protect their own interest not customer 's. 
I have been paying my minimum balance to avoid any financial charges. My current balance is {$880.00} which is over the refund of {$940.00} I am asking. Therefore, I will stop to pay any more from this month. 
I already called last year to cancel this credit card which I did not need from the first place.
Consumer complaint received 2017-09-08
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. (TX)

According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. 

Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.
Consumer complaint received 2017-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX  to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MD)

I received another phone call today from XXXX ( XXXX XXXX XXXX. The people said they were calling on behalf of or from a department within American Express. They were calling me in order to try and contact someone else. They have called three times, most recently on XX/XX/2019 at XXXX EST. The first time they called I let it go to voicemail. The second time I answered because I thought it was work related. The third time again I thought it was work. I think they maybe used a different number. Each time they kept asking me to pass on a message to someone else on their behalf. I have no idea if these people are legit or not. On the second call I REPEATEDLY told them to remove my number from this list. They wouldnt listen and kept talk so I eventually hung up. Then today they called again and again I kept shouting to remove my number from their list. They also kept talking to try and get me to answer their questions. BOTH times I spoke on the phone they said it was being recorded.