davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (WA)

This is regarding Amex XXXX card FHR annual {$200.00} credit. 

I made a few reservations and cancelled them, and the {$200.00} credit got messed up. Amex ended up overcharging me and never refunded me after multiple communications. 

Amex charged me {$340.00} on XX/XX/XXXX, not related to any reservation, that made no sense to me. 

I have uploaded year XXXX XXXX FHR transactions for Amex to investigate.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

I have lost my phone in XXXX and I have a very basic passcode XXXX. Which I believe was very easy to crack, My face id functionality was broken on the phone hence was using a minimal passcode for unlocking it easily. 

My XXXX was totally moved to some new ID by the hacker, during this time and when I called apple to recover apple ID, they not even acknowledge that I had an account, I believe when you move your Id it is totally erased from apple 's systems. 

While this is happening I have no visibility on what's going on with my phone and there were a tonne of transactions and resulted in XXXX dollars charge on my apple card and I disputed them with Goldman sachs directly. 

Goldman Sachs do not have any way for me to let me see my transactions unless I have my apple Id back. This was very difficult situation for me as I couldn't get my account unlocked my apple nor they accept me to move my apple card to another new ID. 
Both Goldmana Sachs and Apple are kicking me back and forth when I ask to view my transaction and take over my account. 

XXXX reported the XXXX dollar to my credit report without resolving my disputes and they have accepted to take my disputes again and review it but I am not confident they would resolve them again this time.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Lowes whose collection agency is Syncrony Bank is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-05-24
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. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (MN)

This complaint is regarding Fiserv for the second time. 
Fiserv XXXX XXXX XXXX XXXX Oh XXXX XXXX On XXXX at XXXXXXXX XXXX I called their number and spoke with XXXX in regards to a letter I received from Fiserv. She could not find me in their system using my name, social security number, or any other information I gave her. So then I asked if I should just disregard the letter and she responded yes. 

Since then I have received two more messages on my phone from Fiserv about reinstating my bill pay service, collecting payment. This company is impossible to deal with. They send me a letter and threaten that if I don't pay them it will be sent to collections but when I do call they can't find anything about me on their system??? How am I supposed to deal with this company? This has been going on since XX/XX/2023. I have long since changed banks so I can do my electronic banking.
Consumer complaint received 2023-05-08
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. (GA)

On XX/XX/XXXX, I contacted Experian regarding the address I wanted to be deleted from my credit report. I spoke to XXXX - Dispute XXXX XXXX # XXXX. XXXX explained that the address could not be deleted because it was been reported by ( 2 ) creditors 1, XXXX- which my account was sold and transferred to XXXX XXXX XXXX  in XXXX of XXXX. XXXX. XXXX XXXX of which I have active accounts. I offered to provide a copy of the DL to validate my address. XXXX refuses to accept this offer to validate my address. I want the address removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL (NC)

XXXX XXXX XXXX XXXX sent me several notices regarding {$85.00} unpaid parking tickets. They are a private company who say they can charge for parking at downtown parking areas. There is no clear signage that these areas charge for parking nor any indication that the spaces are not free parking spaces. They then send {$85.00} parking tickets and demand if not paid, they will turn you over to a collection agency and report to credit bureaus. I tried numerous times to contact the company and you can't get in touch with anyone via phone, email or mail. The phone calls are never returned and the emails have automated responses. This is a complete scam. I then received a letter from Oxygen XL debt collector threatening to " use any information '' to help collect the debt.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I have requested many times to Equifax to resolve my credit issues. Someone else 's information is showing under my name as that person have few bankruptcies and bad records with many companies. Equifax mixed my information with him and it affects my credit score and cost me much for the wrong information on my record as companies are rejecting my loans and requests due to bad credit of another person. I am requesting to Equifax from last 4 months to resolve but nothing has been resolved and everytime they issue me a ticket number and after two days i receive email that everything has been fixed but no changes on my account. I have requested nearly 10-15 times for my record in past months but no response from Equifax regarding my record. I already suffer almost a {>= $1,000,000} loss due to Equifax Mistake.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.
Consumer complaint received 2023-04-07
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, XXXX XXXX, XXXX are not my accounts they insist on keeping it on my credit report. please delete
Consumer complaint received 2018-09-02
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)

XXXX XXXX XXXX XXXX XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A.  law. 
There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2023-05-23
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (FL)

I opened a dispute on a credit account that appears reported on my XXXX, & XXXX credit report. The dispute has not been resolved yet. 
The account is from COMENITY BANK/ EXPRESS . 
The report shows that it was opened on XX/XX/2019, and it has a balance of $ XXXX dont recognize this account on my report. This account is not mine and I never spent that amount of money. I never opened a bank account with Comenity bank. The only bank accounts that I have opened is from XXXX XXXX XXXX. I dont know why it shows up in my credit report. I realized the existence of this bank account in my report this year when I when to XXXX XXXX XXXX asking for a loan credit for a car. I kindly request to investigate and remove this account from my accounts. It is affecting my credit report.
Consumer complaint received 2018-09-02
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. (PA)

XXXX Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my XXXX XXXX I called XXXX and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
Consumer complaint received 2023-05-08
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: V and H Portfolio (CA)

I am pretty sure if i received any mail from Vance and Huffman. I would have acknowledged it by now. But I havent nor have I heard of them. I am giving them the opportunity to reach out to me. But they seem to be repeating the same thing multiple times, but has yet to provide me with a telephone number. To their office nor have they issued me out documents that I supposedly signed. My only problem here is the company is standing firm with everything they have stated so far. So why not provide me with a number to speak to me directly. I need details to when the account was actually opened. They keep insinuating that I have a XXXX XXXX  account so provide me with details
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report.

Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Consumer complaint received 2024-01-25
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. (MI)

I received my Equifax credit report on XX/XX/XXXX and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint. That will prove that in the month of XX/XX/XXXX. This account was Not late nor did it indicate any late delinquency.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

In XX/XX/2021, I contacted the residential leasing office for the property I was renting from at the time, XXXX XXXX. I provided a 30-day notice stating that I would have to break my lease early and relocate due to a change in my spouse 's military orders. The property manager insisted that because my husband received his orders before we signed the lease, I would need to pay fees in the amount of three month 's rent or {$3200.00}. However, according to the Servicemembers Civil Relief Act, it is illegal to penalize a tenant for breaking a residential lease due to a XXXX or XXXX  move regardless of when they signed the lease agreement. Despite being illegal the property manager still proceeded to report my balance to the National Credit Systems collection agency and refused to communicate with me regarding this matter. Due to the circumstances, I am seeking to officially have this collection removed from my report as it should have never been reported in the first place.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX **********EQUIFAX********** XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
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. (VA)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require DELETION. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX.