davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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. (FL)

XXXX has placed incorrect information on my credit report. I became terminally ill a few years ago and can no longer work. I callled XXXX to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from XXXX told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from XXXX wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay XXXX. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, XXXX offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. XXXX was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her XXXX as its a XXXX community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet XXXX but because XXXX is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after
Consumer complaint received 2023-03-23
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. (MI)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX  ( social security )
Consumer complaint received 2020-07-08
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. (NJ)

I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with Trans Union Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. Trans Union is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, XXXX XXXX reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from XXXX XXXX, Trans Union credit bureau lowered my credit score 43 points. I have disputed the ownership of this account because the credit card in question that I held with XXXX XXXX was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

The following account is an result of fraud. XXXX XXXXXXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question XXXX.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-29
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. (MI)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2021-03-11
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. (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICES XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-07-31
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. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MD)

They are trying to collect on a receivable they bought from XXXX XXXX XXXX XXXX XXXX XXXX ) for a charge back in XX/XX/XXXX. We paid an amount ( around {$170.00} ) that was not covered by insurance back in XXXX. All of sudden an additional amount is being billed ( original letter is dated XX/XX/XXXX ) to us in XXXX by Phoenix Financial ( collection agency ) for XXXX XXXX XXXX XXXX. All they have is an entry on their books that says we owe with no explanations. And all they can say is we owe it, and IT will hurt our credit until it is paid ( {$220.00} ). 

They don't even try to give us suggestions on how to follow up this. This is not right and I feel we are just being bullied into paying something that we don't believe we don't owe. And we never got a bill for this additional amount that supposedly we owe.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Follow up to complaint XXXX On XX/XX/2024, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. I do not have an XXXX account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/2024 I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. This goes directly against XXXX XXXX Liability policy which guarantees that you won't be held responsible for unauthorized charges made with your account or account information. Attached below is my identity theft report for this matter.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 my Bank of America debit card was hacked and my weekly benefits that I receive From the unemployment was stolen in the about of {$290.00}. On that same day I call Bank of America and reported the issue. They then told me that they were going to investigate and send me a new card, I received the new card and when it was time to receive my next weeks benefits the card was closed already. I then called Bank of America and was by them to call the unemployment ( DETR ) after calling them they said that they were looking to fix the issue and that the issue should be fixed in about 7 day, however after the 7 day no word, so I called Bank of America once again for them to point the finger back at the unemployment ( DETR ), so I called DETR once again and did not get a direct answer once more, after a few weeks more of going back in fourth with both companies, DETR finally asked me to send a copy of the front and back of my identification and a copy of my social security card and I did just that. Then I was told that it will take another 7 day, but never heard back from neither company. When calling to check the status was more from DETR I was told that I must set up a ID.ME account to so they could verify my identity, so I had to once again send a copy of the front and back of my identification card and social security card and after calling to check was everything ok with my ID.ME account they said it would take 7 days once again. But still heard nothing from neither company. When calling to check again several different days and weeks, I was told it was in progress. After month of continuing all that was asked of me, I once more call to check on the status and once again DETR asked me to send all copies of my identifications. However XXXX continue failing my unemployment claims each week and I can see that I am getting paid on the unemployment DETR side but still my Bank of America card remains closed. I have 16 weeks of unemployment benefits frozen. I am in need of all moneys owed to me, due to bills being delinquent and my XXXX kids needing XXXX.
Consumer complaint received 2021-10-06
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. (TX)

To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account type : Collection, Account name : I C SYSTEM INC, Account number : 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 an account without my written instructions.
Consumer complaint received 2020-07-08
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2019-09-10
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. (IN)

I have filed a dispute x2 with TransUnion regarding a Dept of Education loan that was paid in XX/XX/XXXX for {$840.00}. I have submitted a letter to them ( TransUnion ) showing a XXXX   Balance and they still refuse to correct the information and update my credit report and score. XXXX has. I started this at the beginning of XX/XX/XXXX. I just spoke to XXXX a supervisor yesterday who informed me the case was closed and it remains on my credit report. I need this information updated and TransUnion is not assisting me at all despite Dept of Education stating its a XXXX balance, XXXX removing it and a letter from Dept of Education to myself stating a XXXX balance. XXXX was rude indignant and basically told me to XXXX XXXX. HELP! Im trying to buy my first home and this is one thing preventing me from that. Thank you.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was denied of getting a credit line increase few times due to too many inquiries and high balances on my credit card account and I contacted capital one to see if they can do a hard inquiry on my credit report which they refused and I had this account open in three months with good payment history and no past due and my credit rating with XXXX  is good as of XXXX XXXX and when I did a credit limit increase capital one did a soft inquiry instead and used a XXXX XXXX credit report and I was denied but all the inquires were removed off my credit report last week of XX/XX/2020 and I was so upset that the supervisor wasted my time and didnt provided me contact information so I can email the corporate office to show them my credit report my updated one ... where I dont have any inquires on it and Im still stuck with {$300.00} credit limit for months
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (NC)

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.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington offers a 24 hour grace to customers. Apparently, I am not privileged enough to receive 24 hour grace on my checking account like other Huntington customers. Huntington has stopped honoring the 24 hour grace that is allowed to other Huntington customers. I went to Huntington bank to ask why features offered on my account are no longer available. I was told they can not tell me why and they dont know why they are declining my transactions. I asked who they were and they said Huntington Bank. I asked if thats who I was talking to and the customer service rep did confirm that they and the person I was speaking with are part of the same group of they. I would apparently be accurate in stating that they are indeed Huntington Bank. So, Huntington Bank can not tell me why they are no longer honoring the 24 hour grace that other customers have on their accounts. I would like to know what criteria Huntington Bank uses to determine who they deny this feature to whenever they feel like it. When I went to the bank, the doors were locked and only allowing customers through drive through. When I call, I cant speak with a representative for 2 days. I have to schedule a phone call two days in advance. Huntington is also not posting deposits and holding on to them for someone elses benefit. I want to know if Huntington uses racial demographics to determine who and who isnt allowed to use the 24 hour grace feature.