davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Account Resolution Services ( ARS ) has failed to respond my validation of debt letter sent certified mail - XXXX XXXX XXXX XXXX XXXX and they received on XXXX They are furnishing inaccurate information to the credit bureaus and hurting my credit rating!
Consumer complaint received 2022-10-18
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. (GA)

XXXX XXXX XXXX discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! XXXX with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through XXXX XXXX XXXX to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to XXXX XXXX XXXX ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what XXXX XXXX predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under XXXX XXXX XXXX to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you
Consumer complaint received 2022-12-28
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. (LA)

This is my fourth 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, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (CA)

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXXXXXX, Bankruptcy XXXX  XXXXdischarged Reference XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to get transunion to update my report for over a year now. The only accurate information they have for me is my current job. None of my open account and they have accounts in collections I've disputed multiple times as I've never used the original creditors service. I have requested credit reports and access to the actual website but my requests go unanswered. I have never had an account with XXXX XXXX XXXX XXXX  yet they won't provide proof of this being my debt. I have a car loan with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX Opened XX/XX/2021 starting balance {$10000.00} current balance is $ 7810 monthly payments of {$420.00} 34 month term. Have other accounts as well
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NY)

This debt collection company placed a account on my XXXX account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to XXXX without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my XXXX  it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MO)

Back on XX/XX/XXXX My cash app account was hacked into and {$100.00} was taking off of my debit card that was linked to the app in the process of trying to dispute it, I accidentally sent more money to that account because of how confusing their interface is. The reason it's confusing is because in order to dispute it, you have to click on the upper right part of the screen and essentially request a refund from the person who defrauded you instead of actually being able to file a fraudulent transaction on the transfer of funds. After going back and forth with their " customer service '' I was only able to recover {$140.00} of it of the {$200.00} I was defrauded out of. Flash forward to XX/XX/XXXX, and I get a notification from cash app notifying me that I now have a negative {$40.00} balance. After talking to them, it is because they decided to resend the provisional credit that they gave me from being hacked. They said an order for me to fix the {$40.00} negative balance, I would need to add more cash to the account to bring it to a positive balance. When I've asked them to also look at previous transactions, they say can not look at the transaction history because apparently the app does not track transaction history at all. This is not the first time I've been hacked and got the runaround from them. Their customer service is terrible because it takes hours to hear from somebody and they seem to do the bare minimum to fix the problem, if they even fix it at all, and when you ask to speak to someone higher than them, they either send you to another agent or they drop the conversation entirely or give you a link to their questions of how to use of the app. They are in essence doing more to penalize the victims than they are to actually help them.
Consumer complaint received 2022-10-18
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. (NY)

XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : EQUIFAX Made by : XXXX XXXX Made on : XXXX XXXX XXXX Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Thank you!
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

I received a letter in the mail from Chase Bank dated XX/XX/XXXX that the account is being closed on XX/XX/XXXX due to another chase card account that was previously closed. 

I called Chase Bank today on XX/XX/XXXX to get an explanation. I called the number given to me in the letter that clearly states if you have any questions regarding this matter to please call the provided number. I did. 

I was then told by a customer service rep they could not give me any more information than what was provided in the letter and that they had no more information to give and that there was no one available to give me a reason why it was closed.
Consumer complaint received 2023-06-26
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. (NV)

I have reached out a number of times and advised that the BANKRUPTCY was not properly verified and they are not mines. I have attached a copy of the letter that was mailed to me from the Bankruptcy courts here is XXXX XXXX. 

XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-08-20
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. (MD)

I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NY)

XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$520.00} {$620.00} is the balance now as I opened with a XXXX deposit. There was promo for XXXX if I made a direct deposit from outside ( ACH ). I would get the bonus in 104 days. It's now XX/XX/XXXX, well past the XXXX days period to get the bonus. I called 2x and each time the rep was very helpful and stated that they had to send it to a person in a higher position. That after holding over 30 minutes each time. They said I would get a call in a few days. Calls never came. Email never came. Voice messages never came. I sent 2 secure emails from their web site and just got a standard answer telling me to call. They advertise the bonus of XXXX and I met the requirements. here is their ad... 
Locations " Get a cash bonus up to {$350.00} XXXX  : /XXXX when you open a new checking account. 

Come for the bonus. Stay for the service. 

Build a lasting relationship with a bank you can count onand get a cash bonus up to {$350.00}. 
A woman smiling and looking to the right Hurry! Offer expires XX/XX/XXXX. 

XXXX ways to get started {$250.00} Cash Bonus My Community Free XXXX Simplified Checking with no monthly service fees! XXXX APPLY ONLINE OR OPEN AT A BRANCH {$350.00} Cash Bonus My Community Interest XXXX Checking that earns interest! 
Monthly maintenance fee waived with a daily balance of {$500.00}. 

APPLY ONLINE OR OPEN AT A BRANCH How to get your bonus XXXX Choose your account. 

Open a My Community Free Checking account with {$1.00} or more or a My Community Interest Checking account with {$100.00} or more. 
XXXX Meet these requirements. 

Maintain an average daily balance of {$500.00} or more for the first 90 days. 
AND Have XXXX or more direct deposits ( ACH credits ) totaling {$500.00} or more in the first 90 days. 
XXXX Get your bonus! 

You will receive a bonus credit in your new account XXXX - XXXX days after the account 's initial funding. 

Both accounts come with Man standing near a window XXXX XXXX ATMs Man standing near a window NYCB Online and Mobile Banking Man standing near a window Unlimited check writing Man standing near a window Free NYCB Debit Card Why bank with us? " I I kept XXXX in the acct for 90 days. It also says you can open the acct online for the XXXX bonus. I need the XXXX! XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

At the beginning on XX/XX/XXXX I setup autopay for my account. At the same time I did make a payment to get ahead of the loan by a little bit for an amount of {$75.00}. On the expected autopay date of XX/XX/XXXX I didn't get charged for my autopay or any email or anything regarding this. ( Note I read somewhere there might be a mandated rate reduction if autopay is enabled unsure here, but I didn't see this if it this is the case ) I didn't have a late payment as I did do a manual payment that met the minimum requred for XXXX. 

Shortly after I setup autopay again but I didn't make a manual payment. Fast forward to yesterday XX/XX/XXXX I didn't get charged again for autopayment and today XX/XX/XXXX I pay the late payment amount and next month in XXXX payment for a total of {$150.00}. 

I got in contact with customer service and they couldn't help me and told me it should be working after XXXX billing cycles, but that wasn't communicated with me in any sense. Plus it had been XXXX billing cycle already.
Consumer complaint received 2022-12-28
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. (PA)

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 Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (MD)

FMS FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX MD XXXX The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. 

This company collected an illegal amount from my XXXX account which was originally reported here to this agency. 

FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. 

Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. 

FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. 

CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt
Consumer complaint received 2022-10-18
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: JPMORGAN CHASE & CO. (DE)

Youre in violation of credit reporting act 15USC 1581 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. Im willing to settle this matter without admitting liability. Cease and desist obtaining copies of my consumer report from the consumer reporting agencies. Pay me {$20000.00} and deliver it to my address listed above within 14 days of this receiving this demand. Please be advised that I am prepared to file in federal court if you do not comply with this demand. Upon time of receipt of $ XXXX payment this letter shall be general release of all claims here in. 
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
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX