davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

I have tried to file a dispute with XXXX  and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX   XXXX XXXX XXXX ' has claimed their information is accurate. 

My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. 
As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX  report, although it also says discharged w/bankruptcy below that. 
Ica n't do much until housing/vehicle wise until this is straightened out. Please help.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

My name is XXXX XXXX XXXX XXXX, This is the 3rd request reporting inaccurate accounts that were NOT authorized by me and incorrect names in my report. I am a victim of identity theft and need the accounts incorrect names deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account XXXX XXXX XXXX, Date open XX/XX/XXXX reporting amount of {$500.00}. Account XXXX XXXX XXXX, Date open XX/XX/XXXX reporting amount of {$11000.00}. Account XXXX XXXX XXXX, Date open XXXX XXXX reporting amount {$2500.00}. XXXX XXXX LEASING ( XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not make any of theses charges.
Consumer complaint received 2024-06-11
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. (NC)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-11
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. (CA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc. (UT)

I recently enrolled in Plastiq services to pay for my XXXX XXXX. I have checked their policies with using XXXX XXXX as a credit card which is allowed under their Terms and Conditions I made a rent payment on XX/XX/XXXX for {$1800.00}, after fees is {$1800.00}. 
Plastiq just email me that the payment is cancelled and will be refunded back to the card without a reason why. I have contacted them and no response. 

The issue is that it is XX/XX/XXXX and my rent is due at the end of the month. I can not wait 3-5 business days for this refund and Plastiq is not being honest on why my rent was refunded when I have follow their protocols.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

Dates I can not provide as this problem has been ongoing for about 2 years and everytime I call them I am under the assumption that my problem was resolved. It started in winter of 2016 when I asked them to cancel my subscription. They did for few months when I started to get billed again. Since then I have called several times and I am always fighting with them. Last phone call was before the new year and the person I talked to wouldnt accept my cancelation. Instead he kept giving me rebuttals. After an hour on phone I accepted 2 months at XXXX and was supposed to be canceled then. As of today, it hasnt stopped. Money is still being taken out of my account. This is 3 times already over about 2 and half years. Everytime I call it always ends up in their favor no matter what. Im to the point I dont even want to call anymore but I want this stopped. The fee was little over priced at first ( which I dont remember ). Then they dropped their price everytime until now and its XXXX reaccuring.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-28
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. (IN)

I did not give these companies listed above my written consent to conduct credit check. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

Dear XXXX, Account # : XXXX I am writing to address discrepancies on my credit report that violate the regulations outlined in 15 U.S. Code 1666 ( a ) ( b ). 

JPMCB  Account # : XXXXXXXX XXXX Account # : XXXX Despite previous correspondence regarding similar matters, there remains an unresolved issue regarding unrecognized collections that claim late payments. 

I have previously communicated with your office, providing documentation and asserting my rights under applicable laws. However, this specific issue persists, and it is imperative to rectify it promptly to ensure the accuracy of my credit report. 

According to 15 U.S. Code 1666 ( a ) ( b ), consumers have the right to dispute inaccurate information and expect timely resolution from credit reporting agencies. It is my understanding that XXXX is obligated to investigate and remove any information found to be erroneous or in violation of federal laws. 

I kindly request that XXXX to conduct a thorough investigation into the disputed collections claiming late payments and take appropriate action to remove them from my credit report. 

I appreciate your attention to this matter and expect a prompt response regarding the resolution of these discrepancies.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence on this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation of these supposed late payments. I kindly request your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-07-10
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. (TX)

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. 

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

15 U.S.C 1681 Section 604 A Section 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (MD)

XXXX XXXX is reporting information all of my credit files that is inaccurate. 

Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing 2 different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. XXXX is showing that my account was opened on XX/XX/year> and EQUIFAX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies being reported on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due their job and facilitate this issue so I can regain my financial freedom. 

I NEVER gave my consent verbally or in written form, for my PERSONAL INFORMATION to be reported to ANY Credit Bureau.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-11
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. (NY)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-06-11
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-11
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. (TX)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago, I sent correspondence regarding these listings, but I have not received a reply, and they have failed to provide adequate validation for these supposed late payments. I kindly seek your help in resolving this issue.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will MULTIPLE times & even proceeded to read me the rules about how to get the bonus. After receiving my card I spent the $ XXXX. I then asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. Even though the guy on the phone reassured me multiple times that I got it, it didnt matter to them. 

So far I have reported them twice on here and they claimed that I did not accurately provide the correct description of the phone call. The guy on the phone told me MULTIPLE times I got accepted for the bonus offer. They won't even admit it in the response back on here. They seem to have listened to the phone call but will not provide back the TRUTH. 

I will have to file a lawsuit in 45 days from today. I already spoke to 2 lawyers who have said I have a good case. I don't want to go that route but I have no other option.