davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XXXX Cancelation and Debt Collection Scam I attempted multiple time to cancel a XXXX  service, only to have the same tactic used twice to try and stop it from happening. The tactic goes something like this : XX/XX/2021 @ XXXX pm ET XXXX representative : How can I help? 
Me : I want to cancel my line tm rep : can I have a call back number in case we get disconnected? 
Me : Yes, my XXXX cell phone number is xxx-xxx-xxxx tm rep : ok you want to cancel, It appears you have a balance due, can you make that payment today? 
Me : Yes, I can pay the balance outstanding <which I did, paid in full> after making the payment> tm rep : ok, let me step off the line for just a minute to assist you with that. I'm back XXXX XXXX, can you hear me? 
Me : Yes, I can tm rep : XXXX XXXX are you there? 
Me : Yes I am tm rep : <hangs up without cancelling the line or calling me back on the callback number I gave them, this exact process happened again on XX/XX/2021 at XXXX am ET> On my third attempt ( XX/XX/2021 @ XXXX pm ), I recorded my call and had the tm rep acknowledge that my line was requested to be canceled as of XX/XX/2021 and that any outstanding balance was removed from my account. Since the third call I have been contacted by a collection agency ( Convergent ) and t-mobile with additional past due notices.
Consumer complaint received 2018-02-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UMPQUA HOLDINGS CORPORATION (OR)

XX/XX/XXXX received a letter from Umpqua closing my account within 10 days. Vice President and Assistant Manager are discriminating and talking about clients with other customers and sharing my private account information as an ex employee with other employees in the branch. They closed my account without 30 day notice all because they dislike that I dont work there anymore. I readily used the account and last transaction was XX/XX/XXXX when branch manager from other location was informing me of all the issues still involved with employees still employed at Umpqua. I left the toxic work environment and now she has closed my account because of it. The work environment and banking environment is lacking structure and management.
Consumer complaint received 2021-11-30
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. (MI)

I have sent out multiple letters for some of the accounts I'm seeing on my credit report. It has been well over the 30 day window. I sent letters to the bureaus on the following dates : XX/XX/2021 XX/XX/2021 Just need to know if anyone has heard anything?
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (NY)

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. DSNB MACYS with account number XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX ) doesn't belong to me as well.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CL Holdings LLC (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-26
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-04-29
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. (NY)

In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  % has violated my rights. 

XXXX5 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (CA)

The credit card company Upgrade is breaking laws. They are not putting interests on statements and do not include all charges on the statements. They do not put your interest charges on the statements. Every time a payment is made interest is automatically charged to your account instead of once per month and it does not show the charge on your statement. This can be very confusing because you don't know why your account balance has gone up and your can't find the transaction that made your account go up, because they never put it on the statement. I always keep track of all my credit card accounts. And this account is hard to keep track of. One day your balance will be XX then the next day all of a sudden your balance has gone up with no transactions and it is the interest they charged but does not put it down. Your interest charges are no where in your statements or account. What they are doing is illegal and I think they are trying to scam customers. They never show you what your interest for the month. You have to do all the math to find out. You have to take last month 's balance, add all your transactions and subtract your payment to find out what extra amount was applied to your account ; which I can only assume is your interest. I don't know, because it doesn't say.
Consumer complaint received 2023-04-06
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. (GA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I am a victim of Identity theft. Please remove it immediately. 
XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX : {$3500.00}
Consumer complaint received 2022-04-29
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. (NY)

In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I canceled on XX/XX/XXXX and was told I would get a refund of {$190.00} for the 8 remaining months that I prepaid. I was given a case # XXXX and was told six times that the case was escalated and that my refund would be on the same credit card that I was charged {$290.00} on XX/XX/XXXX. Every time I call which has been over 12 times since XXXX they tell me that someone made a mistake and that in XXXX days I will be refunded {$190.00} but it never happens. 

From Equifax on XX/XX/XXXX Dear XXXX, We have received your request to cancel Equifax Complete Family Plan. Your product will cancel on XX/XX/XXXX, which is the end of your current subscription month, as determined by your purchase date. For example : If you purchased your annual subscription on the XXXX of a month, and you cancel on the XXXX of a month, your cancellation will take effect on the XXXX of the next month. You will receive a refund for any fully unused months in your annual subscription.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  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 an account without my written instructions.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting Act Convergent, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  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 an account without my written instructions.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

U.S. BANK DEEMED TO BE ACCEPTING FRAUD ACTIVITY WITH OUR CHECKING ACCOUNT. BY WAY OF ACCEPTING OR REINSERTING PAST AND PRESENT DEBITS TRANSACTION. WHICH CAUSING OUR ACCOUNTTO BECOME LOW SO FAST, WITHOUT AN EXPLICITY DETAILS TO US WHAT THIS AND THAT WITHDRAWAL, ETC. I HAVE NOTICE IT, BY RECOGNIZING OUR OWN FINANCIAL ACTIVITY VS COMPARING TO PRINT-OUT STATEMENTS I'VE ASKED FOR AT THE BANK COUNTER. I HAVE NOTICED SEVERAL OF FINANCIAL TRANSACTION I COULD NOT RECOGNIZED. BECAUSE I AM THE ONLY ONE DOING IT, AND NOT MY WIFE..AS BANK WORKERS TRYING TO SAY, MY WIFE MIGHT HAVE DONE SOME OF IT. MAKES ME WORRY ABOUT THEIR ASSUMPTION FOREMOST. SOUND SO EXPERIENCING WITH THEIR ASSUMPTION OF DOING SO PERHAPS. IT STARTED AFTER I CHANGED MY CARD NUMBER ENDING XXXX, AND XXXX, NOW I HAVE MOST RECENT ONE ENDING XXXX I AM SERIOUSLY CONCERNED ABOUT FINANCIAL MANIPULATION BANK WORKERS ARE DOING TO OUR ACCOUNT REASON WHY IT GONE TO LOW SO FAST ... .WHICH I NEVER HAVE THIS PROBLEMS BEFORE, EVER. SOMEONE OUT THERE IS STEALING OUR ACCOUNT PROFESSIONALLY WE ALSO DISCOVERED FINANCIAL SHORTAGE TO OUR ACCOUNT SUBTRACTING BALANCES FROM ACTUAL BALANCE. THIS TYPE OF ACTIVITY MUST RECOGNIZED, AND HAVE SUCH INDIVIDUAL PLACE UNDER ARREST FOR LAW VIOLATION. I SHALL SAY. ALSO ; XXXX AND XXXX DEBIT OUR ACCOUNT ... .WITHOUT OUR CONSENT. DOES CONCERNED US BIG TIME, THAT U.S. BANK WOKERS ARE AUTHORIZING THIS BY WAY OF " NEPOTISM, FAVORITISM, AND CRONYISM '' FOR SURE WITHOUT NOTIFYING ME FIRST. BECAUSE, I'VE TOLD THESE BUSINESSES ; THAT WE DO NOT ACCEPT " ON LINE PAYMENT '' AT ALL WHATSOEVER ... U.S. BANK STATEMENT PRINT-OUT AND MONTHLY STATEMENT ARE TOTALLY DIFFERENT BECAUSE ACTIVITY FROM MONTHS OR SO BEHIND ARE STILL EXIST 3 MONTHS AFTER ALL. SOMETHING REALLY DEVIOUS TOWARD FRAUDULENT ACTIVITY LEGITIMATELY.FRAUDS DEEMED TOBE FROM XX/XX/XXXX, ALL THE WAY THROUGH XX/XX/XXXX.. THANK YOU FOR ANY HELP. SINCERELY
Consumer complaint received 2021-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CA)

In regards to UPSTART I am disputing there 30 days late. First I have had nothing but issues with this company in such a short time. On XX/XX/XXXX they contacted me saying my bank account was frozen. I then kept trying to pay them and emailed them at least 25 times. They said I need to verify my bank account again. It would not verify with their plaid for some reason so finally it verified again on XX/XX/27 using 2 deposits they sent then withdrew. I then immediately paid. Yet they claim that I was being charged a XXXX late fee. I disputed this because for over 2 weeks I had emailed them over and over again to verify my account just to make a payment!!!!
Consumer complaint received 2020-06-04
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. (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX  the servicer of my loan and they stated they have been updating my account information to XXXX, XXXX  and TransUnion. 

The credit bureaus have not updated my account since XX/XX/XXXX
Consumer complaint received 2023-04-06
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-29
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. (NJ)

Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!
Consumer complaint received 2022-04-29
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: Army and Air Force Exchange Service (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX  XXXX and/or XXXX ) credit report XXXX My latest credit report shows Army & Air Force Exchange Service credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (FL)

I have unknown debt collection on my XXXX report, I was trying to dispute it, but the debt collection agency doesnt provide any details on the debt and I dont owe any debts to anyone. 
The debt collection agency still wants to pay debt and my credit score is went down.