davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (TX)

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX USA My complaint is with this merchant. She has reported a balance owed to her practice to credit reporting agencies using my personal information which I provided to her so she could provide care. After undergoing a minor XXXX in her office with a care provider she decided several weeks later that the balance had not been satisfied. 

This is the issue. She agreed to bill my XXXX insurance for the cost of the service. She collected that money and I paid the agreed upon difference for the cost of the service at the rate she accepted and which was paid for by the XXXX insurance provider. She is now asking me for money that is in excess of the agree upon price which was set by the XXXX   insurance company I used for the XXXX procedure. This is not a legal practice. Her reporting of this balance to the credit bureaus has caused me great frustration and I would like to make you aware of her business practice surrounding medical services. She should know very well that this unethical and fraudulent practice for a medical provider. 

She has chosen to use Capital Accounts LLC as a collection agency in order to pursue this balance. I would appreciate it if you were to investigate this issue. Her reporting of this fraudulent amount owed to her has caused me hardship, as I am trying to qualify for a mortgage and this account is aggravating the process, since I do not want to pay it and it should not have been reported to the credit bureaus in the first place.
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record. 

I obtained my credit reports on line. There was a XXXX S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019, a direct deposit was made to a Chase Bank account that I thought was mine. I checked with Chase and it appears that when setting up my direct deposit information with my employer, I transposed two numbers when entering my account number. On that day, I requested that the amount of the deposit, {$2400.00}, be rerouted to my checking account. They said they would process it. The following Monday, XX/XX/XXXX, I received a notification that they would not be able to reroute it, as the money had gone into an existing and active Chase account. My employer issued a request to have the funds rejected, which after several days, Chase refused. My employer again, at my request, issued a request to have the funds returned. The request included an explanation from my payroll department of the amounts, dates and account numbers to which this money should have gone. It also included printed copies of the return requests that were submitted. At this point, Chase again refused stating that the account to which the funds had been deposited had insufficient funds. I have spoken to my local branch manager who escalated this to Chase 's Complaint escalation group, who returned stating that nothing could be done. The managers I'd been working with at my local Chase branch stated that they'd see where they could escalate my issue, and this morning, I received notification that there is nothing Chase could do. Chase seems content to let the owner of the account into which my money was erroneously deposited keep my money. I even requested a credit and recommended that they give my money to me and put a lien on the account owner 's paycheck, as the bank has to know his social and other contact information. At this point, it's looking as if I'll never get my money.

What's interesting, is that Chase had sent information to my payroll dept that included account information for an individual who is a Chase Private Client customer. While this information doesn't show the account number to which my pay was sent, it does make me question whether or not Chase is not pursuing a real resolution because they're favoring a high net worth customer over me. In any case, the info they sent constitutes a breach of customer data.

I have gone through the ringer with Chase over the past 30 days and they will not move from their position that they can not give me my money.
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Consumer complaint received 2021-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (IL)

I have received a loan notification : I did not request or apply for this. company gave me complete run around. Total scam. 
Congratulations, XXXX! 
Your loan has been successfully processed! Here 's what you need to know : {$1300.00} will be transferred to your bank account either today or the next business day, depending on cut-off times. 
Banking institutions have their own policies regulating when transferred funds are released to their customers. 
To avoid penalty fees, please make sure funds are available in your account when payments are due. 
Making extra payments toward your principal or paying off your loan early saves you money on interest and lowers the overall cost of your loan. 
You can make additional payments via your online account or by contacting us at XXXX at least three days before your intended payment date.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

SYNCB-Care Credit-I place a dispute on the company requesting proof of the original documents that were originated. I never received these original documents. 

Section 611 ( 5 ) ( A ) if the FCRA- if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item. Im requesting again to obtain a copy of the original documents pertaining to the account.

Please remove the inquiry from my credit report immediately, if original documents cant be provided. The inquiry has caused financial emotional duress.

XXXX XXXX ( formerly XXXX )
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for and obtained a line of credit with CashNetUsa and was approved in XXXX of 2019. I immediately requested {$1500.00} from the line of credit and it was dispersed to my account. Soon after the company began billing me twice a month. I told them these were exorbitant payments, and to be billed every two weeks was unreasonable. They demanded payment, and they were debiting my account directly. I consulted a lawyer who said that this was an illegal internet loan and that he could help but first that I should block them from automatically taking payments from my account. I was going to file a case with an attorney, but I would prefer to make reasonable payments and pay back the loan. Currently they are saying I owe them {$3000.00} which is twice the amount of the original amount that I borrowed. They are also harassing me by calling me using different local numbers to disguise their calls. 

I attached a call record.
Consumer complaint received 2023-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation TransUnion just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.
Consumer complaint received 2020-05-19
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)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries 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 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.
Consumer complaint received 2020-05-14
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. (FL)

The reason for my dispute is because of several unrecognized fraudulent accounts : 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. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANIT XXXX FL XXXX XXXX XXXX XXXX XXXX SAUNT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC XXXX AND ID
Consumer complaint received 2023-01-12
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (MT)

After reviewing my XXXX credit report, I found a listing from XXXX XXXX XXXX, for a payday loan from Advance America. I previously had a conversation with Advance America in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
Consumer complaint received 2020-05-19
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: Neon Newco Corporation (WA)

IRS direct deposited my stimulus payment to my NetSpend card but NetSpend says they never received it. I have called 4 times already, triple checked my direct deposit information and still no direct deposit on my NetSpend card. I have been calling NetSpend since XX/XX/XXXX. They offer NO help.
Consumer complaint received 2020-05-19
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp. (NY)

I paid this debt XXXX of 2019 for XXXX dollars in full. This company never send me any information to my address. I never got any bill. I was only conscious of this bill when it opened up on my credit report. I then contacted the creditors with the info from my credit report. I never received any notice. When asked what address they have. It was a incorrect address that I no longer lived at. They also stated sorry we wont be removing anything off your credit even thought you paid it due to you not paying on time. When I explained I never received a notice and I was on knowledgeable of this due to my credit report when it appeared on it. I gave proof of my correct address and ask can it be removed from my credit report due to me clearing the balance with a XXXX  balance due to me never receiving anything and not knowing anything in regards to this bill. This company illegally put a inquiry on my credit report and the representative told me that was because they was in the process of seizing my check or property which is illegal.