davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (PA)

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (WV)

On XX/XX/2022 I was charged XXXX for a room on XXXX. I received an email about the room I just booked, but I hadnt booked a room. I had stayed In This hotel the night before and paid XXXX for that room. I contacted XXXX and told them it was not me and explained the situation and they said we have no contingencies in place and can not cancel so I called money. They disputed it and then denied it twice, once because of a transfer made before the transaction, and Im not sure why the other time. I did not book this room, I had just gotten back to my home when I got the email. I am so tired of filing complaints.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MD)

On XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having two separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. 
Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX XXXX XXXX. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX XXXX store. From that point I transferred all my contacts and info to XXXX. 
A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX  had not tried to contact me or reach me at all to discuss this matter. 
Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. 
Amshur collection is the current collection company that has the bogus contract
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

Loan # XXXX - Gregory Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX - they also have an address of XXXX XXXX XXXX, XXXX, XXXX XXXX My real estate taxes are escrow-ed and are due on XX/XX/XXXX of each year. According to the XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX my real estate taxes have not been paid and are accumulating interest. I have tried since XX/XX/XXXX to get thru to their customer service line and can not get thru, they keep giving a ridiculous number of people ahead of me. Today when I called again I was number XXXX in line to speak to an agent. I have written to them, faxed them, uploaded a letter to my account and have received no response. If they have paid my taxes they need to address this with the XXXX XXXX XXXXXXXX. If they have not paid them, they need to be paid immediately and include the interest payment which brings my tax balance, as of today, to {$2400.00} and growing. I believe that interest is assessed monthly. I have never before had a problem getting thru to this company and am concerned. I would appreciate your assistance in resolving this.
Consumer complaint received 2022-05-16
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: Bread Financial Holdings, Inc. (TX)

XXXX XXXX Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I do not have an account, nor have I ever applied for an account.
Consumer complaint received 2022-08-14
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. (GA)

On XX/XX/2022 I sent letters to XXXX, XXXX and Experian credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Consumer complaint received 2022-08-14
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. (TX)

My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX a fraudulent business account ( ending- XXXX ) was opened under my name at a Chase Branch in XXXX XXXX 

I noticed the fraudulent account under my online profile on XX/XX/XXXX and notified Chase online banking immediately. The representative told me they would close the account at that time. 

On XXXX XXXX i noticed the account was still under my profile and spoke to another representative in the fraud dept that said the account hadn't been closed but they would close it as well as put alerts on all of my accounts On XX/XX/XXXX an electronic withdrawal was made from my personal savings account of XXXX into the fraudulent account that had still never been closed After 1 month, Chase has failed to give my money back or provide me with any information as to what happened
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

Hey, I am XXXX XXXX and from my XXXX XXXX  someone robbed my stuffed my my truck. He robbed my tablet too and bank check book. In that tablet there was my social security. Then he bought a mobile phone under my social security number. That payment then pitted under collection and lower downed my credit score. So I am reaching you guys to suggest me or provide me information how to protect my SSN to be not used by that person in future. I already reported in police station and they come to know that person who did that robbery. But police is not taking any action against that person. Because he also applied checks from my bank too.
Consumer complaint received 2022-10-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has violated my right to privacy. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. These two addresses does not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The address above WRONG ADDRESS. Experian said it was attached to an account ( XXXX XXXX XXXX with account number XXXX and verified. I was told on the phone but it was a LIE. I have attached my bill with that account number showing different address. I request for validation and verification 2 times but I did not receive any single reply. Please see an attached document justifying my claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

This above address continue to appear on my credit report with Experian. Never did I live in this address and I made it known to Experian but this outdated address still reporting on my credit profile.
Consumer complaint received 2022-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a dispute with TransUnion on an account that shouldn't even be on my report from XXXX, due to the account in question first of all not being mine. There are XXXX issues with this account, XXXX has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with TransUnion on XXXX XXXX, 2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with TransUnion as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. XXXX XXXX XXXX made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given XXXX XXXX XXXX permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for XXXX XXXX XXXX debt collectors to re-age Synchrony Bank credit accounts.
Consumer complaint received 2022-05-16
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. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-16
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: EQUIFAX, INC. (TX)

The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/22 I closed Bank of America credit card ending in XXXX which was secured by my {$300.00} deposit. The card has a {$300.00} balance which I instructed telephone representative XXXX XXXX to apply to pay off, resulting in XXXX balance. 
XXXX continued to remind me to pay {$35.00} payment due XX/XX/22 despite my instruction to apply deposit to pay balance. The implication is that the bank is stalling on balance pay off to force my payment.
Consumer complaint received 2022-08-23
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-14
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. (FL)

I Continue To Write To Equifax For Having Inaccurate Information On My Credit Report From XXXX. Equifax Continue To Report Inaccurate Information From XXXX. Equifax has list 4 inaccurate items on my report. XXXX continue to send me printed bill. I HAVE ANOTHER PRINTED LETTER. I continue to ask XXXX to send My " Original CONTRACT BARING MY SIGNATURE THAT I OWE THEM. XXXX CONTINUE TO SEND THE SAME PRINTED BILL. I NEEF TO SEE ORIGINAL CONTACT BARING MY SIGNATURE. THAT'S INACCURATE INFORMATION ON MY CREDIT REPORT. If XXXX AND EQUIFAX CONTINUE TO REPORT INACCURATE INFORMATION WITHOUT ORIGINAL CONTRACT I WILL TAKE LEGAL ACTIONS.
Consumer complaint received 2022-11-22
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these unauthorized inquiries to be authenticated ( A ). I will take legal action against you if you do not delet these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (DE)

In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Jetblue Credit Card for assistance.. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted JetBlue and arranged a payment plan, the terms offered were financially out of my reach considering I was just getting back on my feet. However, despite our disagreement, Jet Blue refused the payment amount offered and reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to XXXX.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

Last Wednesday my account suddenly showed XXXX balance. I called up immediately the bank and was told a legal order came in for nearly {$2900.00}. I requested a copy of the legal order but I could not get it. I do not have any inconvenience with any lender, except a problem I experienced with my health insurance ( provided by my then Employer ) that failed ( filed bankruptcy ) in XXXX and did not reimburse me over {$240000.00} in medical bills ( I was entitled to ) and spent to save my wife 's life. A legal proceeding is ongoing and my attorneys are taking care of this case! This legal order is likely connected to an amount of approx. {$12000.00} due to one lender ( a private company I am not aware of ). I also understand that some medical debt is being removed from US credit reports. However, my medical debt ( generated by my failed health insurance ) still showing on my credit report. My attorneys will be writing soon to all rating companies to write off this debt! I am not responsible for this debt and the bank should reinstate my balance and refuse the legal order. The account is under my name and my son and the legal order is not applicable! My son has nothing to do with it!
Consumer complaint received 2022-11-21
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. (KY)

Hello, I received an email on XX/XX/ stating that I applied for a installment/payday loan with XXXX. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XXXX  I received an email today XX/XX/, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.
Consumer complaint received 2022-08-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.