davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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. (DC)

My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXX XXXX  after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-10-16
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. (LA)

It's appears that XXXX is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted XXXX about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or removed.
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eagle Recovery Associates, Inc. (WI)

A male from Eagle Recovery Associates called me said I owed {$1100.00} to a hospital and I requested a itemized bill he said one was already mailed to me months ago and I should have got one from my insurance because they paid their portion. ( I have never received a bill from my insurance showing what they paid ) I told him I had never seen a bill or statement regarding these charges. He then told me he will not send one and hung up on me when I told him I had the right to request a itemized bill and as I was that he hung up the phone.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (GA)

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 The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXThe account does not belong to me XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an 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`
Consumer complaint received 2018-05-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX   XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-04
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. (IL)

The account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX  and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.

PLEASE DELETE THESE ITEMS FROM MY CONSUMER REPORT.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Refund requested for cancelled trip from XXXX and XXXX XXXX. 
Both XXXX and XXXX XXXX keep giving me the runaround saying " the other '' has to do the refund... Chase is caught in the middle. But nobody is returning my money. 

The total amount of money paid to the booking agency business XXXX was {$1700.00} through my credit card with Chase. 

The business committed to booking the itinerary including all flights, and dealing with payment and refunds should any interference occur. 

The dispute is for a cancelled trip. There were numerous cancelled flights that led to a cancelled trip. They have charged me for the entire trip with no refunded amount. I only took one flight. I am asking for {$1300.00} only, which is minus the cost of the one flight. 

The business XXXX and XXXX XXXX has not tried to resolve the problem. I have gone back and forth with XXXX, XXXX XXXX, Chase, and even XXXX XXXX trying to get this resolved. 

XXXX keeps telling me to go to the airline, XXXX XXXX, but the airline says they can not issue a refund because it was booked through XXXX business and they, therefore, hold the money. XXXX keeps giving me the runaround and has been unhelpful in every regard. I was even hung up on by one of their managers when calling in for more information, despite me being kind about the ordeal all I did was ask questions about how to get this resolved, there was absolutely no reason to hang up on me. I have tried every avenue to get this sorted amicably outside of court, as I would really prefer not to have to go to court, but I will sue if I have to. 

Chase has been helpful, but said they " can't confirm you're due a credit because the services you purchased were received or available to use '' despite my giving all information about the situation via phone through numerous phone calls, and sending in all documents with clear evidence about all cancelled flights and the cancelled trip including but not limited to : emails from XXXX stating all delayed and cancelled flights, documents of receipt and proof of purchase on all accounts, scanned images of the tickets, itinerary numbers, as well as documented evidence of the United States Federal Aviation Administration ground stop order on the morning of XX/XX/2023 that led to the start of this whole ordeal. 

I should not have to pay for a trip I did not get to take because the AIRLINE kept cancelling my flight. It's distressing that nobody is willing to help me with this. I understand Chase can only do so much, but it's ridiculous their " findings '' state that the services were received DESPITE having CLEAR evidence that I did not, in fact, receive the services. 

I have sent in a demand letter to XXXX, and have filed a fraud report with XXXX, a Consumer Complaint to the office of the Attorney General, and will move forward with a lawsuit if needed.
Consumer complaint received 2023-10-16
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. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

There has been a back and forth between myself and multiple agencies reporting a bankruptcy on my credit report. At this point all parties are responsible for the negative impact this reporting has had on my life. I am not against filing a lawsuit against any and every company that has unlawfully obtained personal information and published it without my permission. I am disgusted at how easily Experian has ignored my letters demanding they remove this information, and frankly alarmed. I know there is a standard set by the FCRA and that Experian has clearly violated many of those standards. Simply put, this is not right. As an educator for the past 30 years, my main mission is to teach my students integrity and honesty. I will no longer ignore Experian 's blatant disregard for the law and demand they remove this bankruptcy from my report before legal action is taken.
Consumer complaint received 2023-10-16
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 acceptance now
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (DC)

My dad put a car in my name using a loan from Santander Consumers and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid Santander Consumers after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have been sending out my disputes to Equifax to put my correct and updated Information on my report. I have informed them that somethings were wrong and that needed to be removed Immediately. Im also trying to get a car and house and these negative and inaccurate information being reported are really stopping me from doing that. I never gave amyone permission to report thess negative and inaccurate accounts.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

In accordance with The Fair credit reporting act account name XXXXMIDLAND CREDIT MANAGEMT has violated my rights. 15 USC 1681 section 602 States I have a right to privacy. 15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish any account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This company keeps updating my info plus {$1.00} minus {$1.00} making my credit score go down every time. This company said there deleting this and it's still on my XXXX report.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

I have been struggling financially for about a year now and my mortgage company offered to put in a forbearance program that would suspend my mortgage payments for 6 months with further consideration after the 6 month period is over. They said they don't report late payments to the credit bureaus during the 6 month forbearance period and I can either make a payment or not. Its meant to give me some time to get back on my feet. 

However, they have been sending me letters that my payments are missed and that I owe them 2 months of mortgage payments. They even sent registered letters. I have called the customer service people 3 times and they assure me that the paperwork sent to me is a formality, however, I'm not so sure. It looks like on paper that they are setting up a case for foreclosing on my home while claiming over the phone that I can miss payments while claiming on paper that I'm in default. Its very confusing and I feel like I'm being set up to lose my home and they are misleading me intentionally. I don't know what to do. I can't make up the two back payments in one lump sum right now and I'm worried that they are preparing to foreclose while telling me everything is still ok. It looks like my only option is to sell my home but in Colorado, there's nowhere to go. My mortgage payment is lower than the average rent for an apartment and I can't qualify to buy a home because I'm priced out of the market. Is there anything you can do?
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (FL)

In XXXX XXXX, my Zelle account was suspended and I was no longer able to use it to send or receive funds. In XXXX, I attempted to find out why the account was suspended and what I needed to do to recover it. I called Zelle on three separate occasions from XXXX XXXX XXXX and durning each phone call, I was told was that the account was suspended in XXXX and I am no longer able to use the service. They were unable to inform me exactly why my account was suspended and they further stated there was no recourse or escalation process, just that I was no longer able to use the product.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion had a glitch where inquiries were removed from my credit file and put back on my credit report without giving me written notice. I have called several times and no on will help me. 

The following inquiries need to be removed : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Some of these inquires i have not even authorized
Consumer complaint received 2023-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (TX)

XXXX XXXX DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc. (MN)

I have requested AMERICAN ACCOUNTS to cease sharing my private medical information because I never provided authorization for it. Even if I unknowingly signed something, I made it clear that I revoked any such permission. However, they have not complied with my request. Additionally, I find the charges on these accounts to be inflated, and they have not provided the itemized codes for each charge in these accounts. I have disputed these accounts, but despite my efforts, they continue to report to the credit reporting agencies ( CRAs ).
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.