davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (OH)

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX XXXX XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX is all wrong and should not be reporting this way~
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express offered a promotion for {$30.00} off of a {$30.00} or more purchase on XXXX purchase. The offer isn't valid for promotional offers or urls with the word promo ihe the address. My internet history shows I went to XXXX. I purchase {$55.00} worth of wine without a discount applied. I did not receive the American Express offer because they said in addition to the steps I followed the merchant needs to send a specific merchant name across to trigger the promotion. American Express will not give the credit due to a technical issue between American Express and XXXX XXXX.
Consumer complaint received 2018-06-24
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. (VA)

Midland is falsely reporting a settled and closed account as open. They never investigated to see if the account was closed they just reported the account in Collections on my credit reports. I contacted them, but they never resolved the issue. I have attached a proof of payment. The account was settled by XXXX XXXX XXXX XXXX XXXX. They are a debt assistance group. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$760.00} {$760.00} XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX  ( XXXX ) XXXX
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I guess experian has frozen my credit. I only found out they froze my credit because they even prevented me from using the ssa online portal so that i can get a replacement card. So they have been preventing me from accruing credit amd using services entirled to me as an american citizen. I do not have a pin and i followed their extrenuous method for removing this freeze yet i have not recieved a word from them. I also canceled my subscription with them and still no freeze lifted. I did not evem know i had a subscriptuion with them.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I redeemd {$18.00} reward dollars on XX/XX/XXXX. I thought I redeemed as XXXX  store card statement credit. Waited for a week. The statement credit did not appear on the online account website. Called customer service. They said wait until the XX/XX/XXXX statement to see the statement credit. Waited until the XX/XX/XXXX statement. Did not see the statement credit. Called customer service. They say I used the rewards for purchases and they made some adjustments and wait for the XX/XX/XXXX statement to see the redemption. I don't think I should wait 2 months to know how the XXXX store reward dollars were used.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

i paid a collection account in full in XX/XX/2018. 
When the bureaus updated the information Equifax did not update the information. 
XX/XX/XXXX the company DELETED the account, as they said they would, from all 3 bureaus. XXXX and XXXX deleted it. On XX/XX/XXXX, it was gone. 
Not Equifax, Equifax is still reporting the account. 
I have disputed the information and called them several times in XX/XX/XXXX. 
Yesterday XX/XX/18, the rep was reading from the XX/XX/XXXX report. 
I have called the collection company 3 times during XX/XX/XXXX.

Yesterday I asked for a letter stating the deletion. They told me they deleted the account on XX/XX/XXXX. 
I explained how Equifax did not and what could i do, they told me to make a 3-way call to Equifax on Monday, to resolve it. 
Today XX/XX/XXXX I get an email from Equifax in my mail that says " dispute resolved '' but the account link does not work ALL DAY. I have tried to use this before and it works once in a while. 
Saturday Equifax is supposed to be open XXXX -to XXXX XXXX. I started calling at XXXX XXXX to XXXX ( had to go to work ) and no answer. 

Equifax previously made me wait an extra month for each of my updates. 
Thank you.
Consumer complaint received 2021-03-01
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: LEXISNEXIS (CA)

Consumer file number : XXXX - Case number : XXXX. On XX/XX/XXXX I submitted a dispute together with my identity information XXXX  # XXXX XXXX XXXX XXXX XXXX received XX/XX/XXXX by XXXX XXXX. Since I did not receive a dispute result letter I followed up on XX/XX/XXXX with a letter to send me an updated report with the deleted information. I received a general response letter dated XX/XX/XXXX asking me to mail in a request form. It has been more than 30 days since my initial dispute and I demand that the information to be deleted as required by Federal Law. Anything else would mean that this company does not have to follow Federal Laws. Your help is greatly appreciated.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

XX/XX/2018 borrowed $ XXXXand funded to bank account on XX/XX/2018 with first py was supposed to be XX/XX/2018 for XXXX and 12 ph for XXXX to pay off amount borrowed plus interest now looking at paperwork and now seeing 11 of those py have a broker fee of XXXX I was not aware of which includes a fee of interest of XXXX for total of XXXX which none goes to principle or to loan. The 12 py is for XXXX which was never disclosed
Consumer complaint received 2021-03-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I contacted Capital One by phone and mail in order to remove all negative payments from my account. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-05-24
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. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-04-24
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. (OH)

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX  XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX  XXXX  v. XXXX  XXXX XXXX  XXXX  : XXXX  v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected.

XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX  XXXX XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-07-18
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 have never had a relationship with XXXX XXXX XXXX original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX  immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. Equifax and XXXX  refuse to remove this fraudulent account from my credit report.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2022-09-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automotive Management Services, Inc. (NC)

I received a call on XX/XX/XXXX and my account representative with the company was like I owed {$810.00} for car insurance but back in XXXX  I had made a big payment and she said all that would be included in the payment and that my next payment would be due in XXXX. So when she reached out and said I owe the {$810.00} I was confused and was like you said it was paid back in XXXX  and that my next payment wasnt till XXXX  and she was like thats what she thought and continued to say that my car would be cut off if I didnt make the payment so I told her I didnt have it to pay right then and there and so she asked when Ill be able to pay it I let her know I wasnt sure because I wasnt expecting to pay that kind of money and I told her I may be able to pay the following week and before we ended the call I asked her can she put what she said over the phone into an email and she said yes and we ended the call. When I didnt receive an email I reached out through email and asked again and never got a response I have continued to call leave voicemails and email them and have to yet receive a response.
Consumer complaint received 2021-04-24
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

OnXX/XX/XXXX, I purchased a Model XXXX  washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX  XXXX  XXXX  located at XXXX  XXXX  XXXX  XXXX, XXXX  XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together.

XXXX  XXXX  was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed.

On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine.

I called XXXX  XXXX  XXXX  and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX  and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX  that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX  for 19 years. The reviews for this model on XXXX  own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter.

We have made repeated requests to XXXX  XXXX  XXXX  to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX  XXXX  XXXX  several times without a solution. I have contacted XXXX  XXXX  XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX  from XXXX  Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX  also would not agree to accept responsibility if there were any loss of life or injury based on its defective product.

Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat.

OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX  has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted Chase again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX   requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Could not freeze my account. Tried for three hours by phone and electronically. Could log on but could not freeze the account. Company was not helpful. Multiple circular unproductive persons tried but failed and no one could connect me with the right technical support to fix the problem, despite escalating the case. This is a security issue. My accounts were previously hacked and I am an attorney. I need this account frozen when requested and unfrozen at my request when my insurers and creditors need to check credit. 

Transunion is unresponsive and uncooperative. This has been the case for the entire history of the company. Please take action to force them to improve or shut down.
Consumer complaint received 2021-04-24
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. (OH)

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX  UNIV XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. 

XXXX XXXX XXXX, XXXX XXXX XXXX  UNIV XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX