davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

Two years ago, in XX/XX/XXXX, my son patronized the XXXX  XXXX in XXXX XXXX. He accepted an offer of a lap dance back in the XXXX XXXX. Once in the XXXX XXXX he was told that he was obligated to buy a bottle of liquor. He accepted and gave his American Express credit card which we both share. I am the Primary cardholder. Next what happened is that my son was drugged at the club and the staff continuously used his credit card fraudulently charging excessive purchases and tips. I did not see the two or three fraud alerts Amex sent to my phone and therefore did not approve of any excessive charges. Amex paid them anyway and kept on through the evening. They claimed that the charges were approve through the App, which is not true because I never saw the charges that evening. When my son realized what had happened and that his card was used without his permission, he was back home and reported it to Amex. Amex refused to believe him. However, over {$2500.00} was paid on this claim and we thought that it was over. We were contacted by Amex just in the last few months of XXXX saying that the dispute of {$1700.00} was being charged back to the account. I made several phone calls to Amex to protest this. On XX/XX/XXXX I spoke with an American Express Fraud Agent who promised me " not to worry, '' that I would not be billed and that he would " take care of it. '' When I continuously checked my Amex account the charge was still there. When I called Amex on XX/XX/XXXX to inquire as why the charges were still posting to the account, they acted as if that conversation I had with the Fraud agent never took place, definitely a breach as to what the Amex Fraud agent said he would do. They totally went back on their word and acted like it never happened. I recently received a letter from Amex dated XX/XX/XXXX stating the merchant as XXXX in the amount of {$1800.00}? Who is XXXX and what's that amount. The latest dispute was in the amount of {$1700.00} and the merchant is XXXX. a real shady XXXX.
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/XXXX, XX/XX/XXXX I sent Portfolio a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent XXXX, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On XXXX, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. This is my second attempt- I am not a speed typist. On XX/XX/XXXX I paid off my mortgage two years early with XXXX XXXX XXXX. That payment was {$33000.00}. The same month of XXXX my credit score dropped from XXXX to XXXX. I called trans-union ( believed to be the agency ) and they would not discuss the problem unless I had a current report to read to them. I ordered one. The issue could not be resolved, so I filed a dispute. Trans-union recently sent me the dispute results with my mortgage payments ( all listed as current ) from XX/XX/XXXX to XX/XX/XXXX. Nothing different from the 13 years I paid the mortgage. Dispute closed by them. My score as of today is now XXXX. When you pay off a mortgage early, isnt that good anymore? I realize my score is still in a good range, but my report certainly doesnt show a good risk factor. Can you please explain what happened? I am retired, and dont like playing games anymore, such as these. Look back at my scores and you should see the chain of XXXX with all credit and loans paid on time, or early. Thank You
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed a current copy of my credit report and show inaccurate or unverified infromation on my credit report. Currently, there is an unverified or inaccurate public record listed to my transunion credit file. I have bee successful to have this inaccurate reporting deleted from XXXX and XXXX and was instructed by bureaus this information will be frowarded to Transunion to have deleted as well. As of yet this negative unverifiable account is still show listed in public records which is inaccuate. Please delete this account Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX. I have contacted court and was advised by written notice that no reporting of such is given to any credit bureau if there is such a file on record and no third party has any rigtht to post and inaccurate or information to my credit file without my consent. Please delete account.
Consumer complaint received 2024-08-30
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)

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 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 vour reference. XXXX 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Consumer complaint received 2021-07-20
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. (IL)

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner need to understand that I do not owe XXXX  insurance. I called to stop the insurance, they mistakenly did not stop it. So they wanted to charge me a full premium for one month. I called and said they would arrange to fix.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (OH)

I sent a debt validation letter XX/XX/2021. This company has failed to validate my debt. Instead they sent a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file, and cease all collection activities immediately.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXX filed Case Number : XXXX This account is inaccurate. Please delete at once. 

Transunion. 
1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.
Consumer complaint received 2021-07-20
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: SELECT PORTFOLIO SERVICING, INC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting

agencies : 1. Identity Theft XXXX  Account Number : XXXX XXXXhis is not mine.

2. Identity Theft SPS Account Number : XXXX  This is not mine.

3. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2021-07-20
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: GOLDMAN SACHS BANK USA (NC)

I took the loan for {$9000.00} out in XX/XX/2018. I paid all but the last two payments. I contacted them during the first of the Covid pandemic. Explained I wasnt working and not eligible for unemployment. I tried to pay the balance off with a credit card but they stated their policy wouldnt allow me to do that. I told them I couldnt pay the balance due to XXXX  until I was able to work again ( I did personally have XXXX  ). They wouldnt work with me. I never missed a payment. I was always on time. I feel they should have worked with me. I have every intention of paying them. My credit score went from good to poor because of their actions. I also had a credit card company drop me because of this. I was under the impression that XXXX  was treated with a different policy. I dont feel I deserved their actions to my credit report. I would like to dispute their conclusion.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was Washington Mutual then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Consumer complaint received 2021-07-20
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am not liable for this debt with XXXX XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$300.00}
Consumer complaint received 2021-07-20
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. (CA)

After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.
Consumer complaint received 2021-07-19
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-20
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. (MA)

this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XXXX I had a XXXX take me to a bar in XXXX, AZ. I went to the location suggested by my driver. It turns out it was a XXXX XXXX operated by XXXX XXXX and they run a very rough and poorly rated operation. XXXX  reviews show hundreds of similar complaints to mine and the XXXX  rating is a XXXX for the bar. As soon as I walked in I was taken to a back room and basically forced to give my debit card and all my cash ( {$200.00} ). They did this in a very threatening way. The club was pitch black and I was there for 5 min. I wanted Out of there and I escaped. I contacted chime bank the next day and they told me how to file a dispute. I felt then as I do now that it shouldnt be a dispute but rather a theft claim. They said it would take no longer than 90 days to investigate and clear and refund me the money however its been longer than 90 days. When you called and no one can help you they open a Ticket with their investigation team with you no one can contact on XXXX XXXX because supposedly takes three days and still no response. I contacted them today they cant see why The investigation team didnt respond in the three days theyre allowed so they are adding another three days. Its a joke.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AL)

My account with ally was under dispute to remove some late payment from my credit report. This was closed on XX/XX/XXXX. When they closed this dispute they reported my XXXX payment was 30 days past due when it isnt in fact due until XX/XX/XXXX. I reached out to the company and they said they would put in for a correction as it was a mistake on their part. It dropped my credit score 37 points and I expressed this to them and the urgency in which I needed this fixed and how I didnt want to dispute it just correct it as it was their mistake. 16 days later and they still havent fixed it, and say they are having to verify the information. Ally can see my account and when my payments with them are due. They know its a mistake on their end and should be corrected by now. I reached out yesterday and asked for it to be corrected again as its reporting to the credit bureaus and hurting my credit and they said they will fix it as soon as they can
Consumer complaint received 2021-07-19
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of