davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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: Resurgent Capital Services L.P. (CT)

My mother stole my identity back in XXXXXXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Consumer complaint received 2023-10-15
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. (FL)

Hi on XX/XX/XXXX I got my credit report and I was look and checking on my report and noticed that there was some unauthorized collections and accounts and inquiries on my account that I didnt not due I sent letters to all three credit bureaus that they was unauthorized and I dont no what the credit report agency are doing I sent letters to XXXX XXXX and Experian and they have not remove them from my credit report account Im very hurt about this It not fairs to me so can you please please check this out and help me I demand this unauthorized accounts be removed and inquiries off my credit report Im not liable for this debt with these companies from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support enforcement
Consumer complaint received 2023-10-15
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)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I opened an account with Chase and deposited Cash {$1600.00} into it. They closed the account saying that I hadn't provided some information, by sending me a letter. I was given a number to call to provide said information. The number says that I have a 15 min wait time, and then puts me on hold for an hour without an expectation of how long I have to wait. I'm calling regularly until I have to hang up after more than an hour on hold. They basically stole my {$1600.00}. 

I have no number or email that I can try to get an answer from them
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX  credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.
Consumer complaint received 2023-10-15
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. (DE)

I sent a formal request to Opt Out of all Late Payment, Negative Remarks, Credit Use or Utilization to the CEO of Transunion in XXXX of 2023. 
I have not received any acknowledgements since then and it is hindering me from obtaining new credit due to them violating my rights to privacy as a consumer.
Consumer complaint received 2018-05-09
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: JH Portfolio Debt Equities, LLC (OH)

I have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Consumer complaint received 2023-10-13
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. (MO)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any tase. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc. (FL)

I received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.
Consumer complaint received 2023-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/, I booked a pre paid hotel reservation on XXXX for XXXX nights at the XXXX XXXX, New York. Total charge was {$2900.00} ( {$2300.00} for room + $ XXXX ) as shown on the XXXX receipt, attached. The receipt also indicated PAID IN FULL. Neither at check in nor at check out at the hotel, during my stay, was I told of any additional charges nor given a receipt for XXXX. 

I was therefore shocked to find a {$430.00} charge by the hotel on my credit card months later. I called the hotel to find out why and they said it was for taxes. I pointed out that I had prepaid taxes as shown on my receipt, and that the reservation was prepaid in full, in advance. The gentle man I spoke to promised to look into it. I also called XXXX immediately and the representative and her XXXX I spoke said there shouldnt be any additional charge as the reservation was fully paid for in advance. A month passed and yet the charge remained and so I called XXXX again and the XXXX told me to stay on the phone while she calls the hotel. She returned and told me the hotel had agreed to refund the money as there never should have been any additional charge. I asked for an email for my records, and she sent me an email indicating same - please find attached. 

I have told all of these to Bank of America but they still wont take the charge off my account and insist I pay it. 

Again, the reservation was prepaid paid in full, never did the hotel tell me I had any outstading charges when I stayed there, I never was given a receipt for any additional charges either. I am therefore disputing the total charge, {$430.00}.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Physicians & Dentists Credit Bureau (WA)

PHYSICIANS & DENTISTS Original Creditor XXXX XXXX XXXX XXXX Opened Date XX/XX/2019 Balance {$300.00} Creditor Contact Details PHYSICIANS & DENTIST XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX I do not believe that I owe this amount. I request that the account is validated with a list of what the charges are for including dates and services.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My problem consist in that the two credit operators XXXX and experian, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-10-15
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: DISCOVER BANK (FL)

I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXXXXXX XXXX and verify this information. account payment reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at {$00.00} contact bank and get accurate information
Consumer complaint received 2023-10-15
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. (CA)

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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX  Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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 an account without my written instructions. See attached documentation
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Foris DAX, Inc. (CA)

I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed too. Then XX/XX/2023 they concluded an error did occur but are now giving me the runaround about my claim and money.
Consumer complaint received 2024-04-05
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. (GA)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NV)

I was checking my credit report through XXXX. Discovered debt with XXXX XXXX XXXXXXXX  for a Milestone credit card in 2019 that I never had possession of. The debt now shows up on credit report as Spring Oaks capital llc. Balance XXXX. I do not know where these charges came from. So I am disputing charges and debt because they are directly impacting my credit.
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

Being pushed into getting a store credit card such as ( JC Penny ) Marshall 's ) TJMax ) at check out cashiers are relentless so saying no should be no. Also saying it will not effect your credit score, is intimidating when I no I do not want the credit card at all.
Consumer complaint received 2023-10-15
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. (NY)

There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX