davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (TX)

- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA.

- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.
Consumer complaint received 2023-07-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The original amount was allegedly from the XXXX XXXX, it's from XXXX of XXXX and was originally {$1100.00}. I did not owe this money and due to the age of the account the amount was disputed and successfully removed from my XXXX credit report in XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX responded by fraudulently increasing the amount to {$3300.00} and changing the origination date to XX/XX/XXXX. I have attempted to have this removed, attempted to contact the company directly without success. This money was not owed by me to begin with and has had a significant impact on my credit, as well as my life.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Credit Karma (MO)

spoke with credit karma about a transaction that was made on XX/XX/XXXX to XXXX XXXX XXXX, credit karma does not allow these types of payments so it was reversed & credit karma advised at the time there was only XXXX XXXX  in my account but i have sent them screenshots and advised this was not the case as i had just got paid XXXX days earlier they then went on to say that i transferred all my money to my spend account, I did math with the representative and we agreed there was {$800.00} in my account at the time the transaction was made, the representative then said that the transaction was actually made on the XXXX although my credit card statement shows otherwise, the money is automatically taken out after a transaction is made so they very well have the funds and will not release them back to me, I was also charged a return payment fee that I feel credit karma should be responsible for as they held the transaction until the XXXX when there was no funds in the account and i am out of XXXX $ on top of the XXXX $ return fee for XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because I originally filed a complaint with Transunion through the CFPB 's website on XX/XX/XXXX, CFBP case number : XXXX, in which Transunion responded back on XX/XX/XXXX. This response was outside of XXXX to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. As of XX/XX/XXXX, the time frame for Transunion to conduct a reasonable reinvestigation had expired since XX/XX/XXXX, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Transunion only deleted one account as requested, which was XXXX XXXX XXXX, all other inaccurate, libelous, inequitable accounts remain. Transunion willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I took an XXXX ride on XXXX XXXX, 2024 for {$40.00} ; however, I was charged two additional charges on my American Express card. I was also charged {$20.00} on XXXX XXXX, 2024 and {$33.00} on XXXX XXXX, 2024. However, there are no receipts available on my XXXX account for these erroneous charges, but they did provide a receipt for the {$40.00} charge. I contacted my credit card company who told me how to go online to file the dispute with XXXX and to take screenshots of the credit card charges. I did today, but must wait since there is no one to talk to at this company. The time it took was very long and confusing without the help of the credit card company to walk me through it. I am now concerned that XXXX has charged me for rides that I did not take in the past. None of the receipts are available, and some of the charges on my credit card statement show multiple rides on the same day.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 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 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 2022-07-13
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. (CA)

I submitted a letter to the 3 credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 

XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I did attempt to open a checking account with M & T bank. But I later cancelled it due to its terms. However, months later, I received scam text messages from XXXX with the following request : " [ M & T_XXXX ]. Your XXXX XXXX  is currently overdraft - {$190.00}. To review and cancel debit request, visit XXXX XXXX XXXX immediately. '' I did not respond to the request for payment. I did not access the scam link.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022, Chase Bank sent me a text regarding a possible fraudulent charge on my debit card. The charge was not fraud but rather an error on the part of the vendor - I had canceled my account with this vendor a day earlier. No fraud on the part of anyone. The next text I get is to tell me Chase has closed my debit card - I was having lunch in a restaurant with only my debit card on me. I then went to the branch and was told I would have to wait 5-10 business days for my new card to arrive. I decided to close the account and this is when things became sketchy. 

The banker assured me all pending transactions had been accounted for and monies held back to clear those pending transactions. I was then issued a cashier 's check for the remaining balance of my account. On that same day XX/XX/2022, my car payment of {$670.00} ( a pending charge according to Chase ) was returned NSF- with no notification to me whatsoever. Several days later, and now faced with a late fee and an NSF fee, my auto lender, XXXX, contacted me. 

When I visited the branch to request a copy of my most recent statement so I could see what had happened, I was met with immediate and gratuitos hostility by a XXXX XXXX the branch manager. The very first thing XXXX said to me was ... " This is your problem. You chose to terminate your relationship with Chase last week and as a result we have no obligation to assist you whatsoever. Eventually XXXX XXXX gave me the statements, but only after I insisted she do so. 

It took me another 2.5 hours on the phone that afternoon to convince anyone at Chase to assist me as the bank statement I was given was missing all activity regarding this " transaction '' between the two banks. The bank statement covers all transactions/activity through XX/XX/2022. I have virtually no way of reconciling this account if Chase refuses to assist me. Chase removed all of my online banking access so I am not able to see what transpired - They want me to take their word for it. Per upper management at Chase, this activity should be on the statement, but again Chase refuses to give me any proof whatsoever that this transaction ever existed, was ever sent back NSF, when it was listed as pending, etc.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I am writing to issue a formal complaint regarding an erroneous entry on my credit report that I obtained from National Credit Systems. This entry relates to a debt associated with an apartment leased through my business. I never personally guaranteed this debt, yet it appears incorrectly on my personal credit report, which constitutes a direct violation of my consumer rights. The incorrect debt has been on my report since XX/XX/scrub>XXXX XXXX It is imperative to note that this entry is factually inaccurate as there was no personal guarantee made by me for any business-related obligations. This misreporting has led to undue harm to my credit standing and financial reputation. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., both credit reporting agencies and furnishers are legally obliged to ensure the accuracy and completeness of the information they report. The failure to comply with these requirements exposes you to potential legal actions, including but not limited to, damages and necessary remedial measures as outlined in Sections 1681n and 1681o of the FCRA. I demand an immediate investigation into this matter, the removal of the inaccurate entry from all my credit reports, and a written confirmation of these corrections. Should this issue not be resolved promptly and in accordance with the FCRA, I am prepared to pursue all legal remedies, including filing a lawsuit for statutory and punitive damages. I expect your response and resolution within 30 days from the date of this letter. Thank you for your prompt attention to this critical issue.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a XXXX XXXX XXXX XXXX I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion shows duplicate loans for five of my student loans with XXXX. I have submitted a dispute request with Transunion. However, Transunion only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXXXXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX Inquired XXXX : XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on : XXXX CARD Inquired on : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-15
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, XXXX XXXX XXXX XXXX XXXX, does not have a license to operate in the State of Georgia, where I XXXX. 
I have enclosed evidence to support my claim, including a copy of the NMLS consumer access list of licensed debt collectors and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before engaging in debt collection activities in the state. 
Given that XXXX XXXX XXXX XXXX XXXX does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
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. (CA)

In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/year> to XX/XX/year>. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/year>, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies