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: 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 had sent a request to all XXXX credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. Trans-Union and XXXX  both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why transunion and XXXX seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to XXXX and Trans-union just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my annualXXXX XXXX XXXX currently only reports on Transunion, I'm not sure where Transunion is getting this information from but neither XXXX  or XXXX  currently reports XXXX XXXX XXXX. This is inconsistent and inaccurate reporting by transunion a violation of FCRA rules.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

0n XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 and counting. I have sent certified mail to Midland Funding LLC requesting that their company validate an alleged debt they are reporting on my credit reports. I do not recall doing any business with them or have any contractual obligation to this company. 

To this date, the company has not taken any actions. Yet, they continue to harass me, mail me, and report this debt after verified delivery of my letters. 

They are in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease-and-desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ).
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

If I recall in either late XXXX or XX/XX/2020 XXXX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with XXXX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving SSI. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on XXXX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional XXXX minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.
Consumer complaint received 2017-06-05
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. (CA)

In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc. (MO)

They had it as I was staying their on campus and I never did. I lived in XXXX XXXX  until XXXX and then moved to XXXX  in XXXX also, XXXX just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (FL)

Please note that on XX/XX/2021 I lost my debit card ending in XXXX. I reported this to PNC Bank on XX/XX/2021, and I was advised to put a lock on my card which I did on the XXXX or XXXX of XX/XX/2021. Then on XX/XX/2021, I went into the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and I met with Mr. XXXX  XXXX who provided me with a new card ending and he advised me that the card ending in XXXX was cancelled. I discovered today that the card ending in XXXX was never cancelled and an unauthorized charge from XXXX for $ XXXXUSD posted 2x to my account in error. I can not get anyone to fix this. This is a terrible error and it needs to be fixed. Why this happened I will never know.
Consumer complaint received 2024-02-22
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX, XXXX
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CLGF Holdco 1, LLC (NJ)

I opened an account with Genesis ( XXXX ) when I purchased a bed set from XXXX XXXX in XXXX. In XX/XX/XXXX the account was charged off and sold. My credit bureau says the account is owned by XXXX. The phone number provided led back to Genesis. 

I have contacted Genesis several times since XXXX of XXXX to get information on my account so that I can settle it. In every instance, Genesis has told me they are unable to provide information regarding whom the debt was sold to, leaving me no way to pay back or settle this account. 

I am at a loss for what to do to resolve this account and improve/repair my credit.
Consumer complaint received 2020-07-20
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. (NJ)

I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Consumer complaint received 2017-08-01
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 (NJ)

Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

VIOLATOR ID:XXXX  TRANSPONDER #: XXXX  
I REACHED OUT VIA PHONE TO A CUSTOMER SERVICE REPRESENTATIVE ABOUT A $XXXX  NOTICE I RECEIVED FOR TOLL VIOLATIONS. I REQUESTED THE REPRESENTATIVE TO EXPLAIN WHY I HAD ALL THE VIOLATIONS. SHE COULD NOT OR DID NOT WANT TO EXPLAIN TO ME ABOUT THE VIOLATIONS I WAS TOLD TO REACH CUSTOMER SERVICE VIA EMAIL AT: XXXX
I DID ON XX/XX/XXXX THE VIOLATIONS DATE BACK TOXX/XX/XXXX. I HAVE BANK STATEMENTS SHOWING REFILLS ON THE XX/XX/XXXX WITH REPRESENTATIVES AND THROUGH 3RD PARTIES LIKE XX/XX/XXXXOR XX/XX/XXXX. NO ONE RETURNED MY EMAIL SENT. I RESENT AN EMAIL TODAYXX/XX/XXXXXX/XX/XXXX I WILL CONTACT VIA PHONE TOMORROW XX/XX/XXXX I HAVE RECEIVED A NOTICE FROM THE COLLECTION SERVICE XXXX  USES THIS AFTERNOON WITH 10 COLLECTIONS FOR THE CHARGES BEING MADE. NOT EVEN ONE XXXX COLLECTION BUT THE BALANCE DIVIDED IN TO 10. I NEED SOMEONE TO REACH OUT TO ME BECAUSE THIS SITUATION HAS ESCALATED TO A FRAUDULENT COLLECTION CLAIM BEING ISSUED OUT AGAINST ME.
Consumer complaint received 2024-02-22
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. (NJ)

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( TRANSUNION, XXXX XXXX XXXX ) Payment History ( XXXX & XXXX )
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I turned in my lease a year ago. 

this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Equifax is reporting erroneous information on my credit file. Equifax has refused to properly investigate my dispute and provide me detailed documentation, and DELETE this incorrect item from my credit file. 

Equifax is refusing to delete the following erroneous item from my credit file : Chapter XXXX Bankruptcy I filed this dispute with Equifax online on XX/XX/2020 and less than 24 hours ( XX/XX/2020 ), I am being told it has been verified.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX - XX/XX/year>
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MI)

A company name d Midland Credit Management ha s been hounding me for years over an alleged  XXXX  debt. The debt in question was bogus in the first place, and is well beyond the statue of limitations anyway. I have repeatedly made them aware that the debt is not legitimate. I have even succeeded in getting them to admit it themselves, several times. They have also admitted it is past the statute of lim itations. They have never affected my credit report, they have made it clear that they can not and will not persue legal action against me, and they are usually fairly polite. They just NEVER STOP CALLING. I have made dozens - if not hundreds - of requests for them to stop contacting me. I receive 2-3 letters a month, and a minimum of 3 phone calls a day. When I block the number, they just call back from a new one a few minutes lat er.
Consumer complaint received 2024-02-22
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)

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 XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and Trans union shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've reached out to XXXX, Transunion and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the 3rd time to correct this issue.