davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (MO)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (NC)

I called XXXX and Experian, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (TN)

I have sent AWA collections numerous attempts by certified mail to validate the debt they claim I owe them in the amount of one $ {$63.00} and they added another collection on my credit report in the amount of {$120.00} but no response back. No one from this agency has contacted me back, either by mail, via email, or phone call in response to my letters. I asked for validation but again, no response back.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

I mailed a payment to TD Retail Card Services ( Raymour & Flanigan ) on XX/XX/19 from my bank 's bill payer, this payment did not arrive to TD Retail Card Services until XX/XX/19, this payment was for XXXX. I mailed another payment to this company on XX/XX/19, it arrived on XX/XX/19, this was my XXXX payment. They called me to tell me my XXXX payment was not made and when I showed them that it had been, they stated they applied both payments to XXXX. I told them that this was incorrect and it needs to be applied to XXXX and then XXXX. I spoke with three different people who all stated this wasn't allowed and they refused to make the correction. The last person I spoke to, XXXX, ID XXXX, Customer Service Supervisor - XXXX, SC, told me that they would not reapply my payments and they are doing " nothing wrong ''. This is unacceptable that a credit card company won't apply the payments the way the Consumer stipulates, so they can ruin credit with an " over 30 day late '' notice on their credit report. A bank loan would not be allowed to do this, these payments have to be applied the way a Consumer stipulates. I need help getting my payments properly applied to my account.
Consumer complaint received 2024-09-20
Product: Credit 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: DISCOVER BANK (NJ)

I have contacted Discover numerous times over the past several years with no results. I last contacted them in XXXX of this year to inquire what they are charging me for since I have not made a payment in over 10 years which they agreed no charges were placed. I requested a statement of charges which they stated they could not provide since it is more than 10 years ago. I have in good faith paid the monthly bill often more than the minimum payment along with several large lump sum payments over the years. However, Discover continues to bill me without explanation. I have spoken to several department managers, they're pre-scriptive answer is good luck, they can not do anything more for me. I have been a XXXX XXXX for more than 30 years and I have NEVER encountered such poor customer service before. I have called them when I moved, XXXX in the past 10 years, to update their records, which in itself was an issue and took constant calling to finally get corrected. In so much Discover has also reported late payments a number of times which has been reflected in my credit history and has presented many problems with other creditors. These practices by Discover are FRAUDLENT, MIS-LEADING and DECEPTIVE to the consumer. I only ask to provide me with proof of past charges. Acct # : XXXX
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2022 I received a letter from Chase Bank stating that they are terminating their relationship with me. They closed my accounts and credit card accounts. I went inside the brach and set down with a banker and he reviewed my account. The banker said that this was ridiculous and there was nothing on my account that looked suspicious. I am a police officer in the city and I receive direct deposits directly into my account. The banker said that there was no explanation as to why my account was closed, even he did not know. I feel that as aa long time customer I have the right to know why my accounts are closed, and at least given the opportunity to show proof that there was no illegal activity.
Consumer complaint received 2022-04-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2019-08-14
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. (GA)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through XXXX. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the XXXX agreement we have
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP (FL)

Snow & Sauerteig XXXX ( XXXXXXXX XXXX XXXX ) Someone sent the police to my home who then broke in and when they did not find anything wrong they put me in an ambulence and forced me to sit at XXXX XXXX XXXX for 7 days This is fraud
Consumer complaint received 2019-08-14
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: Midwest Recovery Systems (VA)

Midwest Recovery Systems posted a collection on my credit report for a medical bill that belongs to my daughter who is XXXX yrs old. I carry insurance on my daughter, but do NOT sign to be responsible for her bills in any way. I have called the company and asked them to remove this as it was not mine or to provide me proof that I signed a responsible party paper at the time of the dr visit - they cant or wont do either one. I have disputed with XXXX  3 times as well as called, begging them to help me take it off as it is not my bill & has dropped my credit score by 17 points! I realize its only {$31.00}, but this is NOT MY BILL to pay and should NOT be on my credit report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (ME)

I called Equifax about 3-4 weeks ago and spoke with a representative named XXXX to request an early exclusion on a collection account that is due to age off my credit report this coming XXXX. He granted me this early exclusion and said that this collection account would be removed with the next update of my report. Well, I just refreshed all 3 of my credit reports and this collection is STILL ON my Equifax report, despite the fact that I was told by YOUR agent that this account would be REMOVED IMMEDIATELY and would reflect this on my next report refresh. In fact, it says that the balance on this account was updated on XX/XX/XXXX, just 5 days ago, when this account should have been DELETED as your representative granted me an EARLY EXCLUSION on it. This collection is from XXXX XXXX XXXX. I have uploaded a screenshot of this collection as it currently reflects on my Equifax report with this complaint. Again, YOUR REPRESENTATIVE, XXXX, whom I spoke with on the phone a few weeks ago, ASSURED ME that this account would be DELETED as he was granting me an EARLY EXCLUSION. If this is not deleted from my report IMMEDIATELY, I will report Equifax to the State of Maine Attorney General 's office.
Consumer complaint received 2020-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the Equifax data breach and may have been in the hands of the wrong person.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome is misreporting my transferred mortgage to XXXX. The mortgage was transferred to XXXX XXXX, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/scrub>XXXX  Opted-out third party reporting & Credit Reporting Updates XXXX XXXXXXXX XXXX XXXX XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that 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 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting Act 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 2022-04-02
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)

In accordance with the Fair Credit Reporting Act 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 2021-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC. (AL)

I recently check my credit report and notice inaccurate accounts from Direct Management inc with some alleged debts from {$350.00}, and XXXX.So, I sent them letters on XX/XX/2021 disputing the validity of the debts, and requesting documents of each account.I have also attached copies below for your viewing to assist me with the process.I haven't heard anything from them as of now.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I don't recall having a contractual relationship with this collection company Jefferson Capital Systems , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-04-27
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. (MA)

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX. I received letters from XXXX XXXX validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with the TransUnion union. I sent TransUnion all the documentation required to block the accounts that are not mine and were opened by another person/s using my social security via certified mail. After speaking with XXXX, XXXX, and XXXX XXXX I was informed that was not done that I may submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter I received was dated XX/XX/22. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and neither of them could provide me the answer as they are " not allowed to do per Transunion ''. XXXX and XXXX also informed me a credit freeze is the same thing as a block. which is not correct I informed them.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2021-05-04
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. (CA)

There are three accounts on my Equifax report that are not mine they were never signed used or opened by me and I have disputed these accounts on XX/XX/2021 well I have not received anything back from the bureaus or the furnisher regarding this identity theft matter and I need help with this please. 


XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX XXXX - Acct # XXXX XXXXmt {$2900.00} XXXX XXXX - Acct # XXXX Amt {$12000.00}