davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX is using my identity fraudulently. Experian is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX/DEPT OF ED XXXX needs to be removed not my account.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX XXXX XXXX  opened a credit card for me. It was my first credit card ever. I needed one because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX restaurant in XXXX NC. I had severe XXXX  and was terribly ill. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am a XXXX  XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX for work. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

To Whom it May Concern : I made an appointment with XX/XX/XXXXXXXX XX/XX/XXXX for an annual exam to get prescriptions for monthly medication for heartworm, and flea and tick preventative, and a heartworm test. I asked if they had a vet that was familiar with XXXX XXXX skin issues ( which were not serious at the time ), and was told that I should see XXXX XXXX. 

I was given false information from the vet and the vet technician regarding the medication that was recommended. I followed the vets instructions exactly. As per the vet, I was to contact her in three weeks for a follow-up consultation. 

My dogs skin issue got increasingly worse. When I tried to contact the vets office, they were closed with no date for reopening. I also needed to fill a prescription ( via phone or fax ) for XXXX and XXXX. I had no other decision except to get an appointment with another vet to both check my dogs skin problem and to be able to fill necessary prescriptions. 

XXXX XXXX XXXX never contacted me regarding my dog. The only call that I received was to discuss the disputed Care Credit charge. The receptionist refused to let me speak to the vet. 

When I received the decision from Care Credit ( Synchrony Bank ), the statement from XXXX XXXX XXXX office was full of lies. And I have never received another call from their office. 

I have never disputed a credit card charge, but I felt that I had no other option. I paid a lot of money for medication under their misled guidance, had to pay for another vet appointment in order to get him looked at, and to order prescription medication. There is a principle involved they should not be allowed to falsely recommend costly medication, the animal gets worse, and there is no follow-up discussion. Also, my dogs preventative medication needed to be ordered. And it appears that they do not care. 

Thank you for your time and understanding. 

XXXX XXXX Note : Please see the attached documents for more detailed information.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XX/XX/XXXX an already paid off as agreed account # was changed and A 30 day late payment was was added. I sent dispute letters and disputed online to remove the late payment and show account was closed in XXXX. But to no avail, so I called the account company XXXXXX/XX/XXXX and they agree the account is paid off in XX/XX/2020 and no 30 day late payment was ever made. All other Major credit bureaus also show all my conn 's accounts closed paid as agreed and with no late payments but equifax has the account extending past XX/XX/2020 and ending in XXXX with a 30 day late. This is my second Compliant on this issue and nothing has been done. It leads me to result to legal action next
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I received a notice in the mail from Bull City Financial Solutions , Inc stating I owe XXXX XXXX {$1000.00} and that {$450.00} has already been paid and {$620.00} is still owed and that I have until XX/XX/XXXX to call in to dispute the debt. I called on XX/XX/XXXX and spoke to a man claiming his name is XXXX and I filed my dispute stating I don't owe the money and what I do owe from my hospital visit on XX/XX/XXXX both hospital and physician bill is on a monthly payment plan of {$50.00} that is paid through the billing service used by the hospital and physicians. To this day I still haven't received the itemized bill with list of charges, insurance payments, direct payments, etc from Bull City Financial Solutions , Inc. pertaining to my dispute.
Consumer complaint received 2023-02-01
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. (GA)

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-17
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. (AL)

During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called XXXX XXXX XXXX Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized XXXX, XXXX yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with XXXX XXXX XXXX in the past. Why do they get away with this? My credit score has dropped substantially because of this.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Yamaha Motor Finance Corporation USA (CA)

Line of credit fraudulently opened in my name by a XXXX dealer, XXXX XXXX of XXXX XXXX. Sales manager claimed this is normal procedure for them and became belligerent when I inquired if this was a mistake. My credit score has dropped and I have been materially harmed by their deception and fraud.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on Transunion, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX  XXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Consumer complaint received 2023-05-08
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: CITIBANK, N.A. (IL)

In XX/XX/2022, I entered a Macys holiday contest via XXXX. The prize was {$5000.00}. In XXXX I noticed a credit to my macys account for {$5000.00}. I called customer service to inquire. The representative stated he was unsure but that credit is correct to my account. I called my banking institution as they had recently consolidated a my Macys account. They confirmed it wasnt an overpayment on their end. So I honestly thought I won the holiday contest. 
Months later I get an alert of a reverse charge by Macys. The funds that were deposited to my account was an error of their employees. With that being their error they have charged late fees as well as interest. They have also impacted my credit rating. My Macys credit is XXXX My report reflects that Ive spent XXXX XXXX of my account limit.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CA)

XXXX Has without my consent placed a fraud notification on my credit reports with Early Warnings system. XXXX Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with Early Warnings I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.XXXX  Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the early warning notice placed by XXXX.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

This problem is with cashapp.I was in XXXX, me and my friends used a taxi to the airport, the taxi driver first used my friend card which came to XXXX $ he claimed it didnt work which it actually did and then proceeded to use mine but charged my card 3 times for the amounts of XXXX, XXXX and the other one for {$1900.00} on XX/XX/2023! And I didnt noticed till I got back home in the U.S I disputed this through cashapp because I did not authorize this man to do so and cashapp denied my transaction, this literally hurts my soul because I dont even have a lot and they took all my money and as I told cashapp I have never even disputed anything ever. Also too I can not get in touch with the merchant because its not attached to a company.
Consumer complaint received 2022-09-03
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. (NV)

I called the fraud department and informed them that these addresses are unknown to me and I have never lived in any of them, therefore they were fraudulent and I want them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXX XXXX XXXX Bankruptcy case number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX  report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING. This company has admitted that they found this information on public records and i DID NOT give them permission to submit this information to the credit bureaus. They went digging through public records and allowing Transunion to add this to my credit report.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (KS)

We have a loan that closing date was XX/XX/2022 and a disbursement date of XX/XX/2022. It is now XX/XX/2022 and we have not received the funding wire from the Lender. 
We have reached out to all parties involved and they keep stating it will arrive. This is very poor lender operations and the CFPB should be made aware of the unprofessional actions of this lender. The buyer and seller have both been impacted with the delay in funding from the lender
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (ID)

A fraudulent collection account has been placed on my credit report. This was placed on my report in XX/XX/2021, disputed, won, and removed from my report. It returned last week. It is from Sequium Asset Solution with the original creditor being XXXX for an address in Illinois ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to be exact ). I have never lived at this address, nor do I know of anyone I am acquainted with or have done business with who would be at this address. As such, it is fraudulent. I have reported this to Sequium and XXXX. Both have labeled it as fraud and submitted a fraud report. They also recommended submitting a police report. I attached the notification on my credit report as a reference ( uploaded document ). Please advise on what I can do to not only have this removed ( Sequium and XXXX I believe will take care of this ) but also take measures so that it does not return on my credit report again. Thanks!
Consumer complaint received 2023-05-02
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. (AR)

N accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction
Consumer complaint received 2022-09-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. I contacted them after XXXX responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can XXXX say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?