davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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. (MD)

The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IL)

State Collection Service Inc was sent a letter to provide validation of {$1000.00} that they claim is owed to them per credit reporting services.  State Collection Service Inc sent on XX/XX/XXXX and XX/XX/XXXX itemized statements from XXXX XXXXXXXX XXXX Medical Center with personal information of medical procedures and nonmatching account numbers. There is no documentation signed with permission for State Collection Service Inc to have said medical documentation if procedures were provided, therefore HIPAA rights have been violated. Personal information has been illegally obtained, also erroneous accounts have been created. State Collection Service Inc is attempting to collect a debt that is not legally owed to them and/or is falsely created.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OR)

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (NY)

A long was paid of 2 months after Charge-Off in XX/XX/XXXX for loan from Prosper Marketplace. The account was Charged-Off on XX/XX/XXXX. The account was paid in full XXXX. Prosper Marketplace is refusing to provide a Paid in Full letter or update the account as Paid in Full. It has been reporting as delinquent and negative for 5 plus years. I have spoken with Prosper on XX/XX/XXXX and they have confirmed the account is paid in full as of XX/XX/XXXX.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (NC)

At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-23
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: Paypal Holdings, Inc (WI)

I used Paypal to buy a product where i was charged ro different amounts and i am unable to enter dispute via internet access after numerous attempts i am simply locked out. I have also attempted to contact because of an unknown address setting up fraud on my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX To Whom It May Concern, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.
Consumer complaint received 2020-01-22
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. (CO)

XXXX XXXX Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (NC)

Continuous calls, advised amount owed is incorrect, rep then said that was n't true, I 've been disputing debt and I will pay or they will continue to report inaccurate info on my credit. Rep very rude, I read script to not call then received call from another number of XXXX
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citibank took a payment check which was written out for deposit to my wife 's Citi account and applied it to my credit card. 
They agreed, in a tape recorded conversation, that it was their fault. 
When I requested immediate payment, on XX/XX/21, they said that it would post to my bank account in 2 or 3 days. 
When it did not post till today, ( XX/XX/21 ) I called. They said that the original information was false and that nothing would happen till XX/XX/21. I asked when the process would be completed, they said no guarantees. 
Two different supervisors agreed, in tape recorded calls, that they could not provide a check. Second one was today, XX/XX/21 XXXX # XXXX. 
There is nothing to research or investigate by Citi. 
There is a clear paper trail of a mistaken payment by them, and they agree that that its what happened. 
Please force Citi to change its practices so that immediately begin to process a check when this happens to someone else. 
If I stole their money ( {$15000.00} ) and told them that I would return it when it was bureaucratically convenient for me, I would be in jail for it. 
My credit card that the money was mistakenly used to pay down the amount owing is XXXX XXXX XXXX XXXX. My money was withdrawn from my XXXX XXXX Checking ending XXXX. 
Please let me know if I can provide further information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (OH)

I was XXXX yrs old steered toward college because I maintained good grades in XXXXschool forced to take student loans to pay fot higher education and given a higher than 10 % interest rate with a cosigner because i hadnt established credit ( predatory lending ) i was then suspended from XXXX university for an offense that was dropped in XXXX county municipal court and the school proceeded to say they had more power than the court system and they didnt care what the ruling in the case was and found me guilty with no trial or evidence and I couldnt fight them because my family is poor
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-05
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: U.S. BANCORP (GA)

I was shocked when I reviewed my credit report and found 90 days late payment. 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 2017-08-01
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: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2018-07-05
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. (GA)

XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. Wells Fargo did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAINE & WEINER COMPANY, INC. (GA)

I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi I am having an issue with XXXX XXXX XXXX XXXX. Due to what theyre calling a system glitch my account was charged an unauthorized charge of {$100.00} causing my account balance to display - {$84.00}. They offered nothing but Im sorry for the inconvenience and other customer service level excuses. This is an unauthorized charge that Amex removed from my account without permission. This transaction took place on XX/XX/XXXX and they said cant be returned until XX/XX/XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In regards to existing complaint/dispute # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX sent me a response indicating they inherited this matter from another firm. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX ( " XXXX '' ) of which XXXX. received this from Capital One. I am looking for a resolution from Capital One or XXXX, by providing original application, signatures, customer agreement, etc.., as that would conclude this matter, because I am certain this debt was not made by myself.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.