davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (KY)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I did not authorize As per the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge information on my credit report that I believe to be inaccurate or unauthorized. I did not initiate this inquiry, and I request that you remove it from my credit report immediately. 
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 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 2019-01-29
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. (AL)

2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!
Consumer complaint received 2021-11-11
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-01-28
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: Experian Information Solutions Inc. (TX)

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TN)

On Wednesday, XX/XX/XXXX, at XXXX I contacted Midland Funding LLC at XXXX XXXX XXXX XXXX regarding a collections account after discovering it on my credit report. Upon calling the creditor and attempting to pay the balance in full ( {$3000.00} ), I was informed that there was a judgement against me and that my balance could change either higher or lower and that I needed to call back on Monday, XX/XX/2020. I said thank you and hung up. This surprised me, however, because I didn't know what they meant by judgement so I began XXXX  it and found it to mean that I was supposed to have been notified of a summons to appear being made against me. This never happened. I do not know where this hearing took place nor when it took place nor who I was even supposed to contact about it. 

I called back today, XX/XX/2020 at XXXX again attempting to settle my debt before being told that the balance still has not updated from the judgment and that I would need to call back Wednesday, XX/XX/2020. I am ceasing communication with the company in fear that my rights will be further infringed upon, and turning to you all in hopes that we can find a middle ground.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (TN)

I received a letter from convergent outsourcing Inc. from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to XXXX. Which I do not have any debt owed to XXXX. I know that for a fact. And can prove it.
Consumer complaint received 2021-10-03
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)

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

After looking at several web sites to get my free credit report.

Was directed to annual credit report.

After in putting all my information, was told had a security problem, With receiving my report 1 ) no way to verify my identity 2 ) web page didnt ask any questions. 

Please contact me a.s.a.p. XXXX Now Im scared my information is out there on the web Please note ; I am in a XXXX  so there is not to of credit Activities but Im looking for false medical charges Thank you in advance XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Hi there are XXXX charges from " XXXX XXXX # XXXX '' on XX/XX/29 {$2700.00} + {$120.00}. These charges are fraud/ i never purchased anything at XXXX on these dates. i disputed these charges with Chase by phone by calling XXXX. Chase first refunded the charges but later on reinstated them claiming that the charges are valid. 

THIS CHARGES HAS NOTHING TO DO WITH ME AND ARE 100 % FRAUD.
Consumer complaint received 2019-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. 

In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. 

I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. 

My computer history says a transactions was done by PayPal, not third party. 

I am not responsible for any negative charges, due to fraud and scam. 

PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. 

PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. 

There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. 

If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. 
*note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (NC)

I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NY)

ally from XXXX PA unlawfully submitted a loan on my behalf. I never applied for a loan with them. ally claimed that they had incomplete information on my personal records but still reported to the major credit companies that I applied for a loan, that I never authorized. Without my authority and without ally having any information on me they gave the credit bureaus fraudulent information against me. They sold my information to credit companies. They hired staff to harass and stain my credit history. ally is in the business of selling fraudulent information. the letter enclosed proves it.
Consumer complaint received 2020-04-27
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I recently called and submitted a letter to Medical Data Systems Inc asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of  Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask Medical Data Systems Inc to remove the collection from my credit report until the debt is validated.
Consumer complaint received 2019-01-29
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. (OH)

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX XXXX XXXX XXXX EXPERIAN inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the Chex Systems credit union. 

The Problem is with a previous account that i had with XXXX XXXX XXXX XXXX 

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-01-28
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. (TX)

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-28
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. (TX)

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX  

XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I physically mailed the note below to American Express I have called multiple times and each time I get passed around to multiple departments ... customer service, membership awards, technical support. 

Since my last call I have added the following points : 1 ) My account was closed XXXX  XXXX, They have record of me calling to check on the issue XX/XX/XXXX 2 ) They have responded to me via electronic notification but because they closed my account I have no way to get to their message or response. Additionally, no one in support can help me get that message 3 ) I was not notified or checked in with to confirm if my account should be closed at any time. Nor was any thought or care given to what I recall as XXXX rewards points 4 ) I believe customer support said that they did receive a payment from me for the membership fee. This is also odd Letter I sent to American Express. 
To whom it may concern, I have been an American Express Member since XXXX and one of my key reasons for being a long time regular member was the XXXX rewards program. 
Unfortunately my business has slowed down recently but is picking back up. I called in yesterday to check into my account and identified 1 ) my account was closed 2 ) my membership rewards are not accessible I know I had accumulated nearly 1M points and that is very important to me. and I also did not receive a notification of account closure etc If I was notified I would have addressed any issues immediately. 

I was able to call in recently and I believe a case is opened under my name. 

My ask ( s ) : Can I get my account reinstated? 
Can I have my points reinstated? 
If there are any issues can you let me know and I can resolve immediately. 

Again, I am a loyal long time member. I have shared my experiences with countless business and family members to encourage their using XXXX. My family members who are also members are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I would like to continue to be a champion for American Express and their rewards. I find myself in a tough situation with my card being removed, my point balance, and no notification. 

My account information : XXXX XXXX DOB : XX/XX/XXXX Account ending in XXXX Last four of social XXXX Account address : XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX CA XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had fraudulent inquiries placed on my credit report since XX/XX/2016 I have tried multiple times to address the issue with TransUnion with no help whats so ever. All the other bureaus have flagged my account for fraud alert and remove my inquiries. Transunion still refuses to do so. I have multiple attempts all day and all night at trying to run credit cards on my credit report. No one from Transunion is willing to help me and I am sincerely tired of trying with them.