davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (AL)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # 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 2020-06-22
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: EQUIFAX, INC. (VA)

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that was dated XX/XX/XXXX that I was approved for credit in which I did not apply for. I called Equifax about the hard inquiry and was told I cant dispute it and XXXX XXXX XXXX would have to remove it. Ive been talking to XXXX XXXX XXXX since XX/XX/XXXX along with Equifax to get this removed with no luck. Ive spoken to XXXX XXXX XXXX theft and identity along with numerous other departments with no luck. XXXX XXXX XXXX does not have accounts for me and they are telling me they didnt run my credit. Equifax told me theres nothing I can do about it. As a consumer how can I just sit and allow a credit company put something on my credit that is not true. My last conversation with Equifax this morning resulted in XXXX a supervisor telling me that XXXX XXXX XXXX denied me credit that is why I have a hard inquiry. I again explained to her that I did not apply for anything with XXXX XXXX XXXX. She said obviously you did and they decide you thats why you have an inquiry on your credit. I am the consumer and this is false information being reported about me and I will not stand for it. XXXX went on to explain that any hard inquiry on your credit is a denial of credit. I find it hard to believe someone who is supposed to be a supervisor at Equifax would say some like that.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with the CRA TransUnion, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of he FCRA and are outright refusing to uphold the law. 
Accounts XXXX XXXX AccountXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (FL)

A cease and desist letter was mailed over to the CKS PRIME INVESTMENTS in which the recipient signed for on XX/XX/XXXX. I have yet to hear or see any changes occur on behalf of the company.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Eviction Report of Inaccurate Personal Info, 1 case of address never lived at residence, the other two cases were filed and dismissed with comments from attorney representing the cases. Evictions filed with notes should be reported. Also, paid for rental history to be updated and frozen until this matter is resolved. Trans union has not complied with credit freeze for public records or accounts after initially making a payment to do so. Inaccurate credit reporting of accounts, public records and personal addresses are illegal. I am prepared to file a lawsuit for violation of my consumer rights if not addressed. These records for rental history had already been sealed by the jurisdiction they were filed in.
Consumer complaint received 2023-03-27
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)

I have reached out to American Express over 50 times about this matter and each time American Express has promised to correct their error and post my missing 140,000 points from an upgrade offer to their platinum card. It has been since XX/XX/2023 that American Express has been expressly promising to correct their technical issue and issue the points to me manually. They have promised it over a dozen times in writing over their chat feature. 

After their agents are improperly trained and escalations to managers fail, because managers fail to perform their tasks, I have filed a complaint with consumer protection buerau. American Express has promised to correct over 1 month ago. I have since reached out to their customer service over chat and again they are telling me that my points are coming and they are working on resolving. American Express terms and conditions stated 8-12 weeks at the maximum, and it has now been nearly 180 days, or 25 weeks. It seems that American Express has very poor internal processes so when a technical issue has caused the error and affected my account and failed to credit my account with 140,000 points, the employees and senior managers at American Express are either unable to execute due to poor training or they are purely negligent. 

Please escalate to higher levels as this is ridiculous. Please put pressure on American Express to deliver their end of the terms, which are no significantly outside of their terms and conditions. If Amex continues to fail to correct this, I will be looking to take further action.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I have a fraudulent debt from Helvey & Associates for {$210.00} placed on XX/XX/ that I was just made aware of as it caused a XXXX  point credit score drop. It stems from XXXX XXXX whom Ive had no debt with. I am completely on time with their payments and have not been contacted by XXXX for anything, nor is there any record of an outstanding balance that went unpaid. I have also not be contacted by Helvey & Associates. This debt is fraudulent.
Consumer complaint received 2023-03-27
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: U.S. BANCORP (IL)

I have a mortgage with US Bank. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from US Bank Home mortgage on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.
Consumer complaint received 2023-03-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Sir : I had a previous BJ 's Credit Card issued by Comenity Bank. At some point in XXXX I realized that Comenity bank was going to drop their BJ 's Credit Card Customers and transfer their association with BJ 's to XXXX XXXX XXXX.At this time I closed my BJ 's Comenity Bank Credit Card and paid my bill in full.

After I closed my account I began receiving Bills from Comenity BJ 's that I owed a small amount of money which I did not believe I owed. I sent Comenity Bank a letter hat I disputed the amount owed and wanted their subsequent notice that this amount was in dispute. 
In XXXX of XXXX Comenty Bank transferred {$130.00} bill over to XXXX XXXX XXXX XXXX new Credit Card which hey had sent me to activate for purchases.I did not activate his card and after contacting XXXX XXXX XXXX they reduced the amount owed by taking off {$40.00} which was charged for late fees.The {$130.00} which Comenity Bank states I owe is made up of late fees and interest fees and not any purchases I made on the Comenity Bank BJ 's Card.Thank you for your consideration in this matter.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of  deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.
Consumer complaint received 2023-03-27
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. (MD)

On XX/XX/XXXX I was notified that I had a late payment with XXXX bank when I contacted XXXX bank they admitted that they made a mistake when they purchased XXXX bank and that is all automatic payments did not migrate to their system. I was under the impression that my payments to truest bank are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX bank representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX bank XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by 100 points because of the credit agencies actions as well as XXXX XXXX actions
Consumer complaint received 2023-03-27
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed immediately.
Consumer complaint received 2023-03-27
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: Resurgent Capital Services L.P. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-27
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. (IL)

XXXX, TransUnion and XXXX are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account number : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different? 

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-28
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. (CA)

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.
Consumer complaint received 2020-06-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I called the servicer today and am on hold for over 30 minutes to answer 2 very easy questions. I received a loan modification several years ago. My questions was easy. I wanted to know what the FINAL RATE was based on my loan modification agreement and to please mail me a copy of this agreement.

It has been over 32 minutes and this representative can not answer my questions or find the agreement. 

Also, this lender has reported that I was late on my mortgage in XXXX and XX/XX/2019. I was never late on my mortgage. Never. This needs to be corrected
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (IN)

015. Americollect INC Americollect INC has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX XXXX of Indiana to whom they state i have no outstanding balance to due insyrance has paid in full.
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC. (OH)

I have received # 2 calls from XXXX with no voicemail left. I also received a letter in the mail stating this debt in the amount of {$73.00} was due immediately as it was past debt. I looked the number up and found this company, identified as a debt collector. I have record on two separate days where Ive tried to contact this company to no avail. The number provided always leads to a dead link or the phone line continues ringing for 5-10 minutes. There is another number XXXX but this number has the same issues as the first. Requesting this account be re-investigated according to the FCRA, please and thank you.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX Bank 11. XXXX  XXXX XXXX
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (NY)

I made a new account with chime like a few months ago after 3 years of no contact with them after calling an calling they finally let me make an account then they held my funds in there bank an froze my current account claiming I made a new account illegally I find it wrong they are refusing to send my last paycheck from 3 years ago in a previous account.