davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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. (GA)

Ive contactacted transunion several times on this fraudulent account thats reporting I was told it would be removed within 48 hours it still reporting Ive also sent transunion a copy of my identity theft report showing that the account listed below is a fraudulent account and was opened fraudulently without my consent and fraudulent chargers were made. 

XXXXXXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/2015
Consumer complaint received 2022-06-29
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Consumer complaint received 2022-12-15
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. (MO)

I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (TX)

I am an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

Experian and XXXX are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

XXXX XXXX XXXX XXXX XXXX BANK XXXX Experian XXXX XXXX XXXX : Account number XXXX XXXX  XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information
Consumer complaint received 2022-06-20
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. (NY)

New and updated information. Transunion has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Transunion continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I have 2 American Express cards, Everyday card and a Gold card since 1968. I had a refund from XXXX XXXX in the amount of {$1100.00} which was wrongly, by AM EX agent, applied to my " everyday '' card as opposed to my AM EX Gold.

I made numerous attempts to get the refund back to my AM EX Gold, they finally transferred {$1100.00} to my AM EX Gold NOT AS A CREDIT but as a " balance transfer ''??? I contacted them to correct the mistake only to find out unauthorized use of my rewards point by AM EX agent to offset the credit for their accounting purpose, the {$1100.00} refund from XXXX XXXX that belongs to me. Upon my objection to this unauthorized transaction they referred me to their reward point department to resolve it? Upon discussing the issue with reward point agent, XXXX, he opened a dispute file and fraudulent use of my award points to offset my credit {$1100.00}. UNAUTHORIZED
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

I reported identity theft in XXXX of 2022 and asked Affirm to close the fraud account. I was told the charges added up to XXXX dollars. Affirm chose not to believe the theft and sent the money to collections without my knowledge. I was told an affidavit was sent however it was sent to the email on file which does not belong to me. I provided the correct email 3 times before the Affidavit reached me. I provided the police report, my drivers license and affidavit only to find out my claim was denied. I called to ask what else was needed and was told my case was closed with no further option. The credit bureaus have report a total of XXXX dollars charged with purchases made in the last several months, despite my request for the acct to be closed back in XXXX. This fraudulent account and poor company communication has cost me over a XXXX point deduction in credit score and increased money sent to collections! 

As reported by several customer service and fraud reps from the company, my maiden name was used as well as the incorrect mailing address, phone number, and email address. I never received a statement from Affirm and the payments were not made by my bank account.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I filed a claim with Chase Bank to make use of my trip delay reimbursement credit card benefit and it still as not been processed due to miscommunication, lack of transparency, and inability to get my questions answered. Back in XX/XX/XXXX, I purchased a flight using the Chase travel portal with both cash and my points, and the flight was cancelled ( reason not provided/identified in cancellation email sent to me ) and delayed for 12+ hours. As a result, the trip delay reimbursement insurance ( up to {$500.00} ) benefit provided by my Chase Sapphire preferred card was supposed to cover the costs associated with this inconvenience. So, I booked a hotel for the night and purchased food all which amounted to less than the {$500.00} maximum reimbursable amount making this claim an easy one to file. I went to the benefits website, filed my claim on XX/XX/XXXX for this delay, which occurred on XX/XX/XXXX, and this still as not been processed. I have called the claims line each month since ( sometimes 2-3X each month ), and have received different information each time telling me what is needed to file this claim. I have complained to Chase about my issues, and they noted that they use a third party for this service so there is not much they can do, which is not appropriate as they pay these individuals for a vendor service and remain responsible for the reputational risk on behalf of the bank itself. During this process over the last eight months, I uploaded various documents multiple times now, after doing so the first time, and no one can tell me why this information is still needed or what else might be needed. I have been promised that someone will contact me within a certain number of days ( never happens ), twice I was told my claim was closed ( including today ), one I was told the claim was filed too long ago so there is nothing they can do, etc. The inconsistency and miscommunication has caused this claim to be outstanding for a ridiculous amount of time and has caused me to not fully pay off my credit card bill each month in the off chance that I finally receive {$500.00} on my credit line that is very overdue. As a result, this also means that I am paying more in interest each month by carrying a balance so I do not have negative credit if I were to FINALLY receive what I deserve. Also, I have contacted Chase multiple times about the issues I am having and no one is able to assist me. I have talked to supervisors, elevated my complaint, even filed a dispute for the airline charge to see if someone can get me something back for this problem, and was told that also could not be done because the flight was purchased too long ago. At this point, I am not sure what else to do or who else to reach out to.
Consumer complaint received 2022-06-28
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. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-20
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. (NJ)

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other XXXX  ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX XXXX, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least XXXX phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX XXXX  requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX- Spoke to XXXX XX/XX/2022 at XXXX XXXX  - Spoke to XXXX, placed on hold, was on hold for XXXX minutes XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (MI)

Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed this account with all the credit bureaus and only 1 removed the account for its falsehood. The other 2 credit reporting agencies are still reporting this false debt even though it's been proven to be an account opened from identity theft.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I had a Handy Man that I contract with go into the locked building after hours and enter my office and take 2 checks from two different accounts from my desk drawer. He then proceeded to write 2 fraudulent checks to his company, forged my signature and emptied out my accounts. I filed 2 complaints with chase and a police report. Both claims were denied by chase saying I was negligent by not locking my checks. I let them know that the signatures on the checks do not match mine and therefore they were negligent by paying the checks. They will not refund the money.
Consumer complaint received 2023-03-23
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. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2021-08-26
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: Nationwide Credit & Collection, Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide Credit & Collection Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (NY)

My boyfriend recieved a call from the phone number listed asking for me. I called this phone number back twice and couldn't find out what they were actually calling about. They knew the last 4 digits of my social security number and my current address and kept asking me to verify if this was my information. I have no idea who this company is and they are not a creditor on my credit report. They never stated they were a debt collector and just kept asking me to verify my information before they would tell me what the call was regarding. This company made no attempt to identify themselves and were asking me to verify my information that they have on file, which they read to me first. I didn't provide it to them. They also asked my boyfriend to verify my SSN when he first spoke to them. I refused to verify the information becuase they wouldn't tell me what the call was regarding and they hung up when I pressed them on it. They never identified who they were each time I called and I repeatidly ask to get the name of the company. After getting angry they finally said the company name is Unifin but that was it, no other information was provided. I had to verify online that Unifin , Inc. is actually a debt collector. I believe this to be a scam as I do not owe this company any money. It is very concering that they have the last 4 digits of my SSN and my current address and would like to know what I can do abou this.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I have had no communication or knowledge or documents regarding this Caine and Weiner collection {$38000.00} debt from XXXX XXXX XXXX owner of Apartments name is XXXX XXXX. 
No judgment for his so called " EVICTION AFTERMATH AND MAYHEM '' please see attached re. my ignored attempts to obtain the 38 or more " supporting documents '' sent or faxed in by the LANDLORD who is a vicious, frivilous, vexatious, and letigeous! I am legally entitled to know why he conjured up this rediculous bill amount falsly conjured up not only towards me but 5 other people ( family ) and su ent on to Caine and Weinert collection agency. I have been intentionally maliciously harassed for 2 years from this apartment owner! My lawyer was not able to get compliance from agency and i was not either from anyone! SOMEONE please subpoena them from Creditor and Agency. see attached. thank you so very much for being fast and efficient towards my dispute.