davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due  date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.
Consumer complaint received 2017-12-29
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: Collins Asset Group, LLC (NY)

This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.
Consumer complaint received 2022-07-20
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. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXXXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX
Consumer complaint received 2023-01-28
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. (TX)

XXXX XXXX am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Monthly Payments made on time/ Was Never Late XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.
Consumer complaint received 2022-09-09
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

In the PNC banking. My account was hacked XX/XX/XXXX. And this day. Havent been resolved. 
What I be able to do at this point?? 
XXXX XXXX. 
( XXXX ) XXXX XXXX.
Consumer complaint received 2018-01-01
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: AMERICAN EXPRESS COMPANY (NY)

I recently submitted a complaint ( complaint XXXX ) and received a response that the issue was resolved. It seems that the issue has not been resolved. 

I am unsure why I was given faulty information. 

Based on that information, I had made specific plans and was dismayed when I discovered that those plans would have to be canceled. 

After several subsequent conversations with American Express representatives, including a call back from a supervisor in the respective department handling this issue, I am no closer to a resolution.
Consumer complaint received 2021-04-30
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: The CMI Group, Inc. (TX)

On XX/XX/XXXX I pulled my credit report to go over all of my open and closed account details. I noticed a collection account with a balance {$350.00} being reported as opened on XX/XX/XXXX from an agency called Credit Management LP with the originator account listed as XXXX XXXX. I have never had any account nor signed contract with Credit Management LP, yet they are negatively listing items on my credit report without my knowledge or consent. Therefore, I would like to have this negative item removed from my credit report as it is defamation of character and against the regulations set forth by the FCRA. Unless Credit Management LP is able to produce a signed contract between myself and their company this derogatory account needs to be removed immediately and not allowed to be reinserted onto my credit report.
Consumer complaint received 2018-01-01
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. (MN)

I have sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (WA)

On XX/XX/2021, I received notice that a new collection account was added to my credit report. Upon calling the collection agency, I discovered this account was never mine and was fraudulently opened. 

The account was originated by XXXX XXXX with whom Ive never had an account. Additionally, the address used has never been my mailing address, place of residence, or familiar to me. 

The collection agency, Sequium Asset Solutions recorded my dispute and will investigate. I contacted XXXX and placed a fraud alert on my credit report and initiated an investigation. They asked me to file a report with the FTC. 

Dispute information : Sequium Asset Solutions Amount : {$460.00} Phone : XXXX XXXX Dispute reference number : XXXX Fraudulent partys address : XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

Two years ago I went to a XXXX XXXX XXXX in  XXXX XXXX, CA. The associate asked if I would like to open a XXXX Debit Card. I said no, however they explained, this is NOT a credit card and is in no way tied to your credit. I agreed to open the card, which was simply linked to my checking account like a debit card. I filled out the information and gave it to the cashier/associate. The associate entered the information, then rang out the transaction. The transaction went through and I left the store with approximately {$50.00} in merchandise. I am now receiving notice from XXXX XXXX that I am in collections. I have called them and they said that the transaction did n't go through and now they have put a collection on my credit. This error occurred due to some system error with XXXX and I never received notice that I owed them anything. They will not remove the collection even if I pay them. My credit score has gone from the high 700 's to below 700. This all over {$50.00} on an account that I was told is not a credit account and was not tied to my credit whatsoever. Also the phone number they read back to me was wrong by one digit, they said they had called to try and collect the debt over the phone. I would have been able to pay this had the associate not entered my phone number in incorrectly as well.
Consumer complaint received 2018-01-01
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. (MN)

I have sent TransUnion two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from TransUnion or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXXefferson Capital Systems has been reporting a collection on behalf of an original creditor of XXXX XXXX. I have disputed this several times, as I have not had a XXXX XXXX service. When I call Jefferson, they tell me XXXX XXXX is now handling this, and they are unable to provide me any information. I call XXXX XXXX and they tell me Jefferson is handling this and I have to contact them. All I want is some sort of bill and proof of account and they can not even tell me anything about this file. This needs removed from my credit!
Consumer complaint received 2018-01-01
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: Performant Financial Corporation (CO)

PERFORMANT FINANCIAL performed a hard inquiry on my credit on X/X/2017. 

PERFORMANT claims that the hard inquiry was allowed by law due to an collection account that was opened in in XXXX 2017. 

THE inquiry was performed 4 months prior. 

PERFORMANT unlawfully pulled my credit.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am filing a complaint regarding inaccuracies in my credit report for the accounts : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). The first account is outdated and closed, requesting an update or removal of late dates. The second account has never been late, urging an investigation for accurate details, and the third account requires the prompt removal of the reported late date.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.
Consumer complaint received 2018-01-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.
Consumer complaint received 2017-12-29
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. (NY)

This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.
Consumer complaint received 2024-01-30
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. (OH)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-05
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2019-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is regarding a scam to sell concert tickets. The seller 's tickets were fake and it was unknown until after the XXXX transaction was completed via my Bank of America account. The major reason I am filing this complaint is because XXXX is presented as part of the banking experience *and* the person I sent the money to is *also* a Bank of America customer according to the fraud department. Bank of America said that I need to wait in a queue to get any headway as far as my complaint being processed. I've been a customer for more than 15 years and all I am is a random account number. To obtain a bank account, you need to be approved. This means the thief 's information is at the disposal o bank of america but they are not very concerned about this. Lesson learned on my end as well : When you get a receipt call XXXX and make sure the email is a XXXX account holder and that the order number in the email is legitimate.