davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-06-01
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. (PA)

I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I filed a complaint through Wells Fargo about an unauthorized charged from XXXX for XXXX XXXX I filed a claim. For only XXXX XXXX Wells Fargo took it upon themselves to file a XXXX XXXX claim without notifying me or giving me any call to get more information about the claim. I called Wells Fargo all they kept saying was I benefited from it because they gave the money back but that is not the point I was never notified of anything going on with the claim. Yesterday on XX/XX/23 Wells Fargo took the XXXX XXXX from me. Without me being notified the customer representatives failed to help me they were rude and just kept telling me I benefited in XXXX it is now XXXX with no notifications phone call or anything I didnt receive anything in the mail In regards to the claim it is not about the money it is about how they did it and I feel scammed they took it upon themselves to do a XXXX XXXX claim and not XXXX XXXX I just wouldve prepared myself for the money to be taken out and I needed that. They state there is nothing they can do to help. I just hate the rude customer service also when it is my money. When they took the money is when the claim was closed again I was not aware of any of this.
Consumer complaint received 2017-09-17
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: EQUIFAX, INC. (NC)

I submitted a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (WI)

I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through XXXX XXXX XXXX and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another XXXX. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account XXXX XXXX Account : XXXX XXXX Account # XXXX XXXX Account : XXXX Account # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-06-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX US BKPT CT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/year>, a collection was reported on my XXXX XXXX by an entity titled " ONLINE INFORMATION SERVI '' as the original creditor. I did not receive any prior communication or notification about this debt, and I am entirely unaware of its origin or legitimacy. 

To provide further context, I have thoroughly reviewed my records and correspondence, and I have found no prior bills, statements, or notices from the aforementioned creditor. I have always been diligent in managing my financial obligations, and this unexpected entry on my credit report is both alarming and concerning.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: McCalla Raymer Leibert Pierce, LLC (SC)

I am not sure if this is something you look at. I am concerned that rental companies and owners are taking advantage of tenants. The rental market is very competitive and each rental requires an application, renters have to pay an application fee which can be costly. Renters fill out several applications and pay a lot of money only to be denied. This, I believe is really taking advantage of people, especially low income people.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sa-Vit Enterprises, Inc. (NJ)

My health insurance company paid my plan allowable payment of {$100.00} each to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>. XXXX continued to bill me for the addition payment despite the amount being paid in full. I paid an additional {$600.00} to XXXX who then sent me to collections for {$520.00} which does not equal the amount of my initial charge of {$510.00} each minus my payments ( {$1000.00} charged- {$600.00} paid = {$420.00} ). I contacted XXXX multiple times over the years to get this resolved. They said I was paid in full and owned nothing. I contacted Savit Collections multiple times to show I was paid in full. I provided proof of my payments and my insurance company 's payments. I disputed this with all XXXX credit agencies. No one will listen to me. Especially not XXXX or XXXX. I now can not get it off my credit report despite trying every avenue possible.
Consumer complaint received 2024-06-27
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) (GA)

I Recently looked at my CHEXSYSTEMS report and noticed multiple fraudulent accounts and inquiries., and I have filed reports with the FTC XXXX According to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and remove any inaccurate or fraudulent information from my credit report. Please remove these fraudulent accounts from my account immediately. I have listed them below : Account : XXXX XXXX Account number : XXXX Amount : {$1600.00} Date of Closure XXXX Inquirer : XXXX XXXX Inquiry Date XXXX, XX/XX/XXXX Inquirer : XXXXXXXX XXXX  Inquiry DatesXXXX, XX/XX/XXXX, XX/XX/XXXX, Inquiry : XXXX XXXX inquiry DateXXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (GA)

IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-07-14
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. (NJ)

I was a victim of fraud in the spring of 2022 when my SS number my address and checking and savings account were I infiltrated by a payday loan company. I found out that credit accounts were open on my name when I went to apply for a car loan I then filed a victim fraud alert with the government I sent a copy of the fraud alert to all three credit bureaus, along with my ID and a letter requesting the credit bureau to block the information pertaining to the fraud. Equifax is refusing to block the fraudulent information. 
A fraud report was also sent to my bank they investigated and I closed my checking and savings account. This report was also sent to the three credit bureaus This is so frustrating to me.. I feel like I have been volatile and have no rights
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery was sent a cease-and-desist letter in the mail, this company masks or spoofs their number to make it look like a local XXXX Tx number. This debt collector is using deceptive and harassing tactics. They will call and not say a single word after the phone is answered, only to hang up in your face after 7-8 seconds. only if you call them back then you can speak to someone as if you called them. This normally happens mid-day while someone is either working or busy at least once a day, if you don't answer to be hung up on its twice a day. The number PRS calls from is XXXX the last contact from this number I can recall vividly was XX/XX/2023 XXXXXXXX XXXX THEY OFTEN MIX THE LAST FOUR DIGITS TO MASK THE CALL!!!! therefore, it seems as if it's the first time they've called. Who calls and hangs up only in hopes to get someone to call back? THIS IS BLATANT HARRASMENT AND I NEED IT TO STOP.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I am filing a complaint against American Express Credit Card Services under unfair practices used on consumer credit card holders. I believe the company unfairly reduced my credit limit after asking for a random fee to be paid to leave the limit at the current level. This left my card basically maxed out instead of having over {$6000.00} in available credit. 

On XX/XX/XXXX I paid off my credit card account balance in full in order to reinstate my spending privileges. Prior to XX/XX/XXXX I was in a payment program to paydown the balance with the agreement that once paid in full I would regain full access to the credit card. 

The credit card was restored to a limit of {$9300.00} and once again I began using the card and making all payments on time. I made a payment of {$200.00} on XX/XX/XXXX for the XXXX invoice which had a minimum payment due of {$65.00}. On XX/XX/XXXX, I received an email from American Express stating that unless I paid an additional of {$950.00} by XX/XX/XXXX they would review the account to reduce my credit limit and that I would have interrupted use of my card until the review was complete. There was a {$0.00} balance due at this point as I had already made my monthly payment and my available balance online still showed the limit of {$9300.00}. 

Then when I went to check into my hotel that day the {$100.00} charge was declined. I messaged American Express and they told me they could make sure the {$100.00} would authorize but could not tell me anything further about the review or why my limit would be reduced and that my account still showed the {$9300.00}. 
On XX/XX/XXXX I received another email from American Express stating that my credit limit had been reduced from {$9300.00} to {$4300.00} which left me with an available credit limit of {$500.00}. Instead of having an available limit of over {$6000.00} now the card is basically maxed out for any other creditor reviewing my report. 

My credit score nor history has significantly changed since the {$9300.00} limit was reinstated in XXXX. If I had paid the random {$950.00} that was demanded within 5 days then my limit would not have been reduced. 

It is an unfair practice to demand random payment amounts to maintain a credit limit and then take away the credit limit because the random amount was not paid. They cant claim this is due to my credit or payment history as they would have left the limit as it was if I had made the random payment. As recourse I would like my credit limit restored to {$9300.00} and if that is not possible that at least half the decrease to {$6800.00}.
Consumer complaint received 2017-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Trust Management LLC (FL)

I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

I have automatic payments setup on my credit card accounts for the minimum amount so that if anything happens and I can not make the payment I do not have a missed payment. This is true for my Chase credit card formerly ending XXXX. I also manually make a payment for the difference in the statement balance and the automatic minimum payment. This ensures that I will not incur any interest fees. My account was flagged with a fraud warning and I had to verify charges with Chase. Upon reviewing charges I realized that Chase is not consistently processing my automatic payments. They are processing my manual payments consistently. This results in the statement balance not being paid in full every month and the Chase credit card account has been incurring interest charges since XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NY)

This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report