davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
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 (NY)

On XX/XX/XXXX, I opened two credit card with American Express . 
1. Blue Cash Everyday card 2.Gold Delta SkyMiles card These two cards had opening bonus so I applied these. 
1. Blue Cash Everyday card Apply at American Express web site. Opening offer is {$150.00} ( or {$200.00} ) cash back if I spend {$1000.00} in 3 month. 
2. Gold Delta SkyMiles card Referred from my friend. Opening offer is XXXX Miles if I spend {$2000.00} in 3 month. 

I spend eligible amount in this month but had not received any bonus ( both card ). 
So, I inquired by chat on XX/XX/XXXX, then American Express said I spent eligible amount but offer had declined so I could not receive any bonus.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

On about XX/XX/2019, I received a letter from XXXX XXXX XXXX, XXXX stating that Second Round Sub , LLC was attempting to collect a debt from me. I in turn on XX/XX/2019, send them a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Second Round Sub LLC. They have not sent me anything to show I own this debt. Yet I have received a letter from Court Case Notifiers that there is a case in civil court in the amount of XXXX filed against me with Second Round Sub LLC. I have never signed a contract with Second Round Sub LLC to my knowledge and they have not shown me anything that states I have, I just would like to have this matter resolved
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 — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, & XXXX failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

on XX/XX/20 I sent Transunion a 609 letter to verify some accounts and hard inquiries on my credit report. 

After 30 days and no reply I sent a demand or comply letter to remove the items. on XX/XX/20 Transunion is still reporting these accounts on my credit report. even after 30 days and no verification or reply.
Consumer complaint received 2018-02-22
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. (NE)

There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.
Consumer complaint received 2018-06-25
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. (AZ)

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (NC)

I KNOW NOTIHING OF THIS COMPANY NEVER HAD AN AGREEMENT OR CONTRACT WITH THIS COMPANY NO VALIDATION INFORMATION ABOUT THIS DEBT VIA EMAIL OR USPS AGAIN I OWE THIS COMPANY NOTHING BECAUSE I NEVER SIGNED ANY CONTRACT OR AGREEMENT WITH THEM
Consumer complaint received 2022-09-13
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NV)

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX is being reporting an inquiry from XXXX XXXX XXXX XX/XX/2022. I have no business with this company or authorizes this company to do so.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/2019 SunTrust Bank froze my account and put all of the money XXXX {$2100.00} XXXX into review. On the XXXX of the same month the money was removed from the account by SunTrust. We have called the bank trying to get information on what is happening, the most we have been told is that the funds in the account are in review and wont be returned to us and that they are awaiting a request from the issuing institutions to reclaim the money. They wont tell me witch institution it is or what caused the suspicion that started the review and keep telling us that we will get a letter in the mail explaining the reasons. All we have received from them is a letter telling the same non-answers we've been getting over the phone and check that we received today, XX/XX/2019 in the amount of {$1.00}. All of the funds in the account came from either an IRA account that I cashed out or from my contract work with XXXX. I have spoken with XXXX XXXX and they no information and XXXX is almost impossible to get anyone with any forum of information, regardless neither of them has any information for me. This was every penny I had to my name in this account, I am about to lose my car and am having a hard making regular bill payment as work has slacked off and I only make $ XXXX/hr. at my little XXXX XXXX and all of credit cards are now maxed out from my attempts to stay afloat.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Last month I paid off multiple credit cards, a auto loan and paid down my student loan. This month ( XXXX ) im looking to get a new car and I cant because Experian as decided they wont update my report on time! XXXX  has updated my report and so did XXXX but for whatever reason Experian hasnt reported yet leave my score at a non ideal number at the time im looking to get a new car. I contacted them and they said they update the info as soon as the lender send info.. Well it was sent and it wasnt updated! The new statements are out!! every other bureau is reporting correct info! I demand my info to be updated now or i will contact my XXXX  lawyers!. 

I paid off my XXXX XXXX XXXX, I paid down my XXXX XXXX down to {$0.00} I Paid down my XXXX XXXX car down to {$11.00}
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On my XX/XX/XXXXcredit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}
Consumer complaint received 2020-07-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$700.00} -This is not my account.
Consumer complaint received 2020-07-19
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: Midwest Recovery Systems (TX)

This account was a fraudulent account opened without my permission or correct signature. My identity was stolen and the person used that information to open an account with XXXX  XXXX XXXX. Midwest Recovery Systems has placed this in my credit report several times even though the original debt is over 7 years old and it was disputed and removed from my credit report over 2 years ago! Please investigate Midwest Recovery Systems for their debt collection practices and harassment! I want this deleted from my credit report immediately and a notice mailed to me stating in writing that it has been resolved and removed permanently!
Consumer complaint received 2018-03-13
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX. Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There is an incorrect account opened through TransUnion marked as XXXX XXXX XXXX XXXX. It first reported to my credit on XX/XX/2022 and it states it is a rental agreement, however, I do not currently rent from anyone. I live with family. I called TransUnion but they did not do anything about the false reporting.
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 — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Reach out to the company data x first thing I get on the phone with them don't have my right address ask him to share the information what they have on file after they verify me still failed to do that I would like my file deleted and all person information permanently deleted out your system
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AAS Debt Recovery, Inc. (MD)

I've paid the full balance owed off of my account and it's still showing up as derogatory on my credit Full balance has been paid and account should be completely removed ; as they no longer have money owed to them
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!
Consumer complaint received 2024-02-18
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. (GA)

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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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.