davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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. (OK)

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been disputing incorrect information on my credit reports with XXXX, Transunion and XXXX  for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Ok, I opened a account with Chase Bank on XX/XX/2022. Ever since I did I been having problems after problems with them. Ive called over 70 times and went to the branch when ever I got out of work early just to speed off to the branch. Nobody wanted to help me but they sure were quick to accept my deposit. I dont understand why they offer online/ mobile banking when we have to go to the branch to repeat the process. Beats the whole purpose of online banking. Dont offer these services if they arent available. I dont have access to nothing been locked out ever since. I tried to get them to open it just so I can pay my rent and someone opened it for me and once I sent my rent through XXXX they blocked the payment and locked me out again. So I called and they told me I was doing FRAUD. Excuse me you dont even know me to be accusing me of such a thing like that. They kept hanging up on me and would throw me to the dogs when I went in the branch. Keep in mind Im late on rent because of this so now I have to come up with XXXX extra in late fees plus the rent. My landlord is mad cuz I told him that I cant pay until I get my money released. So now I broke his trust. Im never late on rent and I hate the fact that Im late because of Chase Bank. Its embarrassing in general. I had to ask around for money just to eat and put gas to make it to work. And thats even more embarrassing I have never asked anyone for money. But I had to in order to survive. Then I get an email stating the hold on my account was lifted and funds were available. So I get all excited thinking I have money now. The email wasnt even true my account was still locked and no funds were available. So they lied. I want them to pay for the embarrassment and mistreating me. I want them to pay for my late fees and pay me for the money I had to borrow because of their nonsense. I also missed 2 days of work just so I can get it settled in person which was a waste cause they didnt want to help me and nothing got solve. So me missing work was pointless and irrelevant.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (RI)

i am natural person I am living human being .I have right under USC 1681 Equifax is govern by 15 USC 1681.And they violated my right numerous time I demand the account listed below updated status current never late According to 15 USC 1681 : i have the right to privacy and I did not give Equifax permission to furnish these account XXXX XXXX account number XXXX XXXX XXXX XXXX  : account XXXX
Consumer complaint received 2022-06-10
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: Self Financial Inc. (CA)

I sent XXXX via certified mail on XXXX, XXXX 2022 a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from XXXX of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
Consumer complaint received 2021-05-05
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. (WA)

I recently applied for a XXXX XXXX with XXXX XXXX. I was informed that my credit report showed a large amount of credit applications and accounts that are not mine. One report ( Experian ) showed different names and XXXX different social # 's. I did contact experian ... they did remove some, but not all of the entries. I don't know if this is an identity theft or clerical error, but it keeps me from being able to get a loan. I am a disabled XXXX trying to live on XXXX XXXX thus I am unable to pay a credit repair company to handle this matter. Any help is greatly appreciated.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank went and left XXXX XXXX XXXX XXXX garnish my bank account when I didn't recieve a notice about it and my only income is XXXX XXXX  is not allowed to be garnished. The debt is like XXXX XXXX XXXX and the company is making look like a new debt when it isn't and they say I am the only one that owes the debt when I ain't they removed the other party from the debt and seem to only go after me.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I was a victim of fraud because someone hacked my XXXX XXXX  account and over the course of 4 months sent out over {$3100.00} out of my Wells Fargo checking account. I didnt notice because it was a bunch of small charges ranging from {$3.00} to {$200.00} but the majority being {$20.00}. Wells Fargo denied my claim because they said I waited too long to file my claim. I didnt notice it until XX/XX/XXXX and I filed that day. I filed claims with the FTC, added a fraud report to my XXXX and when I downloaded XXXX I found out I had over XXXX recent inquiries. I just want my money back and I think thats fair. XXXX XXXX has no one to call or complain to and it came out of my Wells Fargo account so I should be protected.
Consumer complaint received 2022-06-10
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. (CA)

I sent EQUIFAX via certified mail on XXXX, XXXX XXXX  a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from Equifax of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
Consumer complaint received 2022-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

1. I emailed Receivable Management Services ( RMS ) in early XXXX disputing the debt of {$570.00} from XXXX XXXX ( Account # XXXX ) and received an email back saying that RMS would investigate 2. I received a letter in the mail from RMS stating that they validated the debt and they provided me with a copy of my alleged Final Bill from XXXX XXXX. 

3. Prior to RMS 's " investigation '' I contacted XXXX XXXX about this debt which was erroneously billed. I got into a car accident on XX/XX/XXXX and had no car after this accident because the car was deemed a total loss. My policy number was XXXX. 

4. XXXX XXXX ERRONEOUSLY kept billing me in late XXXX and early XXXX which resulted in charges of {$570.00}. 

5. I have contacted XXXX XXXX supervisors and they agreed that I should NOT have been billed and they even emailed me an updated policy cancellation letter. 

6. If you take a look at the Final Bill letter from XXXX it is dated XX/XX/XXXX. This Final Bill is old and does NOT reflect the changes that were made by XXXX XXXX to remove these erroneous charges. 

7. Per XXXX XXXX policy number XXXX was retroactively canceled effective XX/XX/XXXX. This would mean that I DO NOT OWE them a balance. How would I be billed insurance when the policy was canceled and I had no car? 

I am asking that your company please conduct a proper investigation as RMS has failed to do so.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

on XX/XX/2022 I have sent certified letters to Equifax, XXXX and XXXX regarding my bankruptcy information which was obtained from the U.S. Bankruptcy Court that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The U.S. Bankruptcy Court that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Account : XXXX ( Debt Amount : {$130.00} ) and XXXX XXXX XXXX Account : XXXX ( Supporting Documents will be included with this complaint. ) I began the process of securing a low-income loan in XX/XX/2022. When my credit report was checked, it revealed an old debt I owed to XXXX XXXX in the amount of {$130.00}, which I had forgotten. I contacted XXXX XXXX XXXX ( XXXX ) to inquire about paying it off and removing it from my credit report. They ( XXXX ) told me what I must do, so I paid it off at the time of this phone call with their representative by using my debit card on XX/XX/2022. XXXX told me that once they received notification from XXXX XXXX that they received the money, the debt was paid in full, and I had a XXXX balance on my account, it would be removed. However, it remains on my credit report. 

XXXX credit reporting agency ( XXXX ) did receive notification that XXXX XXXX had received the money and removed it from my credit report within two weeks. However, TransUnion and XXXX continue to show this debt on my credit report. Today, I spoke with XXXX 's representative, who told me they notified all three credit reporting agencies that the debt was paid off and to remove it from my credit report. 

However, when I spoke with representatives of XXXX, they stated they had not received any notification from XXXX. I have not been able to get through to a representative with TransUnion. When I tried contacting a TransUnion representative, I received a recording asking for my personal information to pull up my account. I was told my information was incorrect twice, and the call was automatically disconnected. I have been unable to reach anyone with TransUnion, although I have tried. Someone has dropped the ball somewhere in this montage of a mess between XXXX, XXXX, and TransUnion. This needs to be cleared up and removed from my credit report through XXXX and Transunion.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, XXXX  reports the date of last payment of XX/XX/XXXX, and Equifax reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

I received a letter from Law Offices of Mitchell D. Bluhm & Associations, LLC, on XX/XX/2022, that listed an outstanding debt with a company named XXXX XXXX XXXX XXXX XXXX I don't know who that company is or what services that would have been for, so I immediately sent a letter back to them with attached emails I had sent to a company named XXXX XXXX asking about a bill I received from them that I had no idea who they were or what it was for. I never received a response from that company after repeated emails to them. I asked them to send me detailed information outlining what the bill was for. I told them I would only communicate in writing. 

On XX/XX/2022, I received a letter from MBA stating that they had received my dispute but no one from their firm had reviewed the account, so they would inform me of the accuracy once they investigated. I have not received any response to that as of today. 

Today, I received a notification of this debt being attached to my credit report. I immediately called MBA and spoke with 3 different people after being transferred multiple times. I was told that they has mailed an invoice to me on XX/XX/XXXX, just one week ago. I explained that I had yet to receive it ( it's only been a week ) and so I still have no idea who the company is or what the bill is for. I am very upset that my credit now has a major negative report that I still have no information about. 

If this is a valid debt, I absolutely will pay it. But I still do not know what it is for. My understanding is that they must inform me of that before they can report it to the credit agencies. I am so angry that this is now going to have a significant effect on my credit report. My understanding of my rights is that they must give me the opportunity to review the information I have requested before submitting anything to my credit report. I will be submitting a dispute to the credit reporting agencies for this.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following credit card accounts thats currently listed on my XXXX, XXXX and Trans Union credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
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: EQUIFAX, INC. (GA)

I was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TN)

I sent an email to Affirm on XXXX at XXXX am providing all the evidence for a disputed transaction with a fraudulent website. The Merchant Dispute Case ID was XXXX. I have not received a response for the completion of the dispute since XXXX. 

The loan # was XXXX, the date of the loan was XXXX, the amount of the loan is {$110.00}, and the Merchant was XXXX This Merchant was supposed to send 1 pair of XXXX XXXX shoes in the amount of {$99.00}. I used an Affirm virtual card to pay for the order. Attached is the Paid Invoice from XXXX XXXX. 

Instead of sending me the pair of shoes, they sent me a bag of rubber bands from XXXX. I have attached the photos of the package, the rubber bands, and the receipt proving I returned the rubber bands to XXXX. Unfortunately, XXXX could not tell me who the sender of the package was at their customer service in store. 

Affirm told me to contact the Merchant about this issue. However, when I tried to contact the Merchant on their website, I received an error message. The screenshot of the error message is attached. Additionally, on XXXX there is no phone number or mailing address to contact the Merchant, XXXX XXXX. 

Because Affirm has not completed the dispute, that loan is showing a late payment and I am unable to make that payment! The late payment in the amount of {$18.00} has caused me to no longer have purchasing power with Affirm although I am current on all my other loans with them and I have been an excellent customer! 

I find it frustrating because I have called them 3 times this week to follow up, and have supposedly been transferred to a supervisor, when I was in fact, disconnected! Today, XXXX, I did speak to someone who claimed he was a supervisor, yet he told me he had to escalate the information to another department, which he would not disclose, and he stated it would take an additional XXXX business days. I forwarded an email to them today requesting they complete the dispute. It is attached. 

Prior to this, I was told if you open a dispute with Affirm, the process takes XXXX days to complete. They have had the evidence since XXXX and I believe they are punishing me, the consumer, instead of providing adequate service by completing the dispute and restoring my purchasing power. The fraudulent website was not my fault and they are still showing I owe on this disputed loan, with a late payment due, which is unacceptable! 

Additionally, I made Affirm aware that I filed a complaint against the merchant with the Federal Trade Commission ( FTC. ) It is report # XXXX. This report is attached. 

There is no excuse for Affirm mistreating consumers like this! Please help me to get this dispute resolved and this loan removed from my Affirm loans that I am responsible for paying.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX XXXX XXXX, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.