davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XX/XX/2024, I opened an account with XXXX XXXX XXXX XXXX XXXX. The same day I was told my account would be closed due to suspected fraudulent activity. XXXX XXXX XXXX XXXX stated that when using the Chexsystem company 2 social security numbers were listed under my profile and several variations of my name. I was given a copy of the information with showed a incorrect Social Security number attached to my chexsystem profile. The additional social security number is from the state of XXXX. I have a XXXX  issued social security number. I was given the number to Chex system, however they are unable to be contacted. I have pulled all of credit reports from each bureau that shows no second social security that was issued from the state of XXXX. I provided the bank with a valid driver 's license, social security number, and proof address. As explained to the bank chexsystem does not have the correct or updated information for my name which changed with me being married.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-26
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. (NC)

XX/XX/2023 I sent written instructions expressing my decision to opt out of having XXXX/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. Transunion, XXXX, and XXXX  are unaffiliated third parties to XXXXDEPT OF ED. Transunion, XXXX, and XXXX have no right to post incomplete information furnished by XXXXDEPT OF ED that I have previously disputed.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I don't know amounts. I don't get that far with the company. They ask that I verify my dob and I don't feel comfortable doing that without knowing the nature of the call. The have pulled information from XXXX XXXX and have every person and phone number assisted with me. They have been asked to not call my daughter but refuse to stop.
Consumer complaint received 2024-04-26
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)

Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential identity theft, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this matter.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (MI)

I called & emailed this debt collector 2 yrs ago requesting information I was told they dont need to provide me with anything & was hung up on.

There never was & still to this day not one thing on my credit report. I have not received any other kind of communication in TWO years.

Now they are trying to take my state tax return.

Having no idea it was same fake creditor from two yrs ago - I called asking what is this regarding the woman once again was beyond rude, she was aggressive, antagonizing me, mimicking me, & told me I should pay my bills.

Then she hung up on me.

I sent emails= with zero response! 
I have the bill from the hospital stating PAID IN FULL. However they refuse to respond to communicate or provide information
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, Thanks for your help with this issue. 
We sent a wire transfer from bank of america to XXXX on XX/XX/XXXX for {$80000.00}. 
The amount was debited from our account and the wire was never sent nor was a reason for rejection or delay provided. 
As of XX/XX/XXXX, we have reached out to BOA representatives numerous times and they are not able to locate the payment and have not credited our account. 
Due to this we are not able to do payroll for over 25 XXXX. 

We need your help with resolving this issue please. 

Thanks.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I requested that Equifax remove a XXXX XXXXXXXX bankruptcy from my report. it was filed in 2017 and my understanding is a XXXX XXXX gets removed or delete after 7 years from the file date. now XXXX and XXXX both have already removed this negative item off my report as I'm trying to rebuild my credit score. I have tried multiple time to dispute it with EQUIFAX and they have failed to help me and in some instances have told me that it gets removed after 10 years which is incorrect info. it also states on their own website that XXXX XXXXXXXX gets removed after 7 years which is now ... can you please help me in removing this XXXX  XXXX off my report from 2017 US BANKRUPTCY COURT XXXX IS XXXX REFERENCE # XXXX XXXX XXXX. IT WAS DISCHARED I DID EVERYTHING RIGHT. now I ask that it be removed.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

ON OR ABOUT XX/XX/XXXX, I REQUESTED VALIDATION OF ALLEGED DEBT FROM CCB/DNTLFRST WITH SPACIFIC INSTRUCTION ON HOW I WOULD LIKE TO BE CONTACTED THE Y VIOLATED THE INSTRUCTIONS AN SENT A VERIFICATION LETTER STATING IT WAS VERIFIED AN NOT VALIDATED LIKE I REQUESTED ALSO THIS IS A MEDICAL DEBT AND SHOULD NOT BE REPORTED ON MY CONSUMER REPORT WHICH IS A VIOLATION OF HIPPA According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation.
Consumer complaint received 2024-04-26
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion on several occasions via phone, app, spoken to specialists etc to no avail. 

XXXX XXXX  XXXX is illegal reporting in my credit file. 

XXXX XXXX XXXX appears to be part of credit fraud I reported to FTC XXXX XXXX also appears to be fraud XXXX XXXX XXXX XXXX was already determined to be fraud and a letter supplied by XXXX  authorizing Transunion was provided since XX/XX/2023. 

Transunion refuses to correct and delete these incorrect, unverified and fraudulent accounts for. My credit report.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (NY)

It's been over 30 days and the creditor has not updated information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint personally. Upon reviewing my credit report, I noticed instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I respectfully request your assistance in addressing this issue.
Consumer complaint received 2023-10-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Unauthorized payments were taken from my Chase checking account from the merchant XXXX in the amounts of {$1500.00} USD and {$1800.00} USD on XX/XX/2024. Chase issued a new card on XX/XX/2024 and informed that I would receive a credit within hours but I never received the credit and was told that because inconsistent information was entered on Chases behalf. I asked Chase to refile the claim and did not receive help with this request. Im highly sadden that Chase would allow this and not fix the issue
Consumer complaint received 2024-04-26
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. (MA)

Hi! I got notified by my XXXX credit monitoring that a new credit inquiry was run by XXXX XXXX which I did not initiate. 

I filed fraud alert with XXXX and called XXXX XXXX to make sure they didn't issue a credit card to anyone and they wouldn't give me any information. 

Additionally, phone numbers were listed wrong ( XXXX ) XXXX ( XXXX ) XXXX is also an incorrect phone number but is my mother Additionally, XXXX is listed as an employer which is also incorrect.
Consumer complaint received 2024-04-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Student Loan Solutions, LLC (FL)

This student loan was signed for in XXXX originally with Bank XXXX XXXX. To my understanding, the funds were sent directly to the university. Bank XXXX XXXX never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from student loan solutions LLC that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

This collection agency ( Resurgent Capital Services ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX has sent me a letter of a debt that is not mind and its not even my name on the letter! How they got my address Ill never know; but I believe they just saw my name because the first name is similar to mind but not the last nameso they mailed me about some elses debt thinking Im gon na pay it! I called them and got their recording was asking for the acct # or the last 4 of my ssnthe acct # on the letter I put in several times and it would not takeI was not gon na put my last 4 of my ssn in. If at all possible this needs to be resolvedIm not the person they are trying to contact for this debt!!!
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (FL)

I asked for Proof showing i owed the balance in question because i was told by my finance company my buy out was added in with my lease payments bc im on ssi. This company gave me 3 different amount on several calls after i complained about a late fee being added and they removed them. I have asked in from of the repo guy $ to get car back and was told {$670.00}. On XX/XX/20. Everytime i ask for something on their letterhead, they say i refuse to pay and they are not sending me anything. Everytime i call this company who without my consent bought my contract bc my company closed without notice. I found out from the news and the XXXX.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of my personal information was inaccurate The only address that should be reporting on my file is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I also found inquiries that I don't recall giving permission. The following needs to be investigated and corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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: Experian Information Solutions Inc. (MA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Tried to resolve this with Chase Bank directly, but it did not work. I opened my credit card statement to discover a new " TRANSACTION FEE '' on my card. When I clicked on it to view more details, there was nothing. For all other transactions, it tells you all the relevant information : IDs associated with it, the vendor, etc. With this, there was XXXX. It's almost like they were hiding it. When I called them, they immediately told me it was because they recently decided to start charging for using XXXX with my card. They did not warn me of this, help me to understand this ahead of time, and if they did in any way, it was not sufficient communication. If it was, I would have stopped immediately. The fact that the online interface hides all details is proof they don't want you to know. They're super eager for you to know about other vendors that may be fraudulent, but not them, not themselves. They play by different rules where they hide and give you no recourse. 

Mind you, this is a NEW fee on existing behavior. The burden is on them. 

In total they have charged me {$120.00} in fees in the last year or so. I demand they do the right thing and refund me.
Consumer complaint received 2024-04-26
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (TX)

WORKED IN STUDENT TRUCK DRIVING PROGRAM AT XXXX XXXX FOR ONLY 3 DAYS, HOWEVER BECAUSE I COULD NOT MEET THE PHYSICAL DEMANDS OF THE ROLE WHICH ENDED MY EMPLOYMENT IN THEIR PROGRAM WITHIN THOSE 3 DAYS. SEVERAL MONTHS LATER THEY CALLED ME DEMANDING THAT I PAY THEM {$4700.00} FOR THE TRUCK DRIVER TRAINING CLASSES THAT i NEVER TOOK. THESE PEOPLE ARE ALLEDGING THAT i HAVE A LOAN WITH THEM FOR EDUCATION, HOWEVER IT IS NOT TRUE AND I WAS NEVER PROPERLY MADE AWARE ACCORDING TO THE LAW. I BELIEVE THAT XXXX IS IN VIOLATION OF THE TRUTH IN ACT AND THE THE FAIR CREDIT REPORTING ACT FOR THE FOLLOWING : I NEVER RECIEVED DISCLOSURES FOR SUCH A PROMISORY NOTE, I HAVE NEVER RECIEVED AN INVOICE OR PAYMENT BOOKLET, THEY HAVE VIOLATED MY PRIVACY BY NOT NOTIFYING THAT THEY ARE SHARING ACCOUNT DETAILS WITH XXXX PARTIES AND THEY HAVE NEVER PRODUCED THE ORIGINAL PROMISSORY NOTE FOR SAID DEBT. i WOULD LIKE YOUR IN PROTECTING ME FROM THE UNSCRUPULOUS BEHAVIOR OF XXXX XXXX  BY DEMANDING THAT THEY STOP REPORTING THIS TO MY CONSUMER FILE FOR THEM TO CEASE AND DESIST THIS ALLEGED DEBT.