davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN ACCORDANCE WITH THE FAIR REPORTING ACT CAPITAL ONE ACCOUNTS # XXXX AND # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Lowes credit card. Someone used my number to purchase items and gift cards at a store on the other side of the USA. In the state of Carolina. 

I live in XXXX XXXX XXXXXXXX XXXX I work in southern XXXX and XXXX 

On XX/XX/XXXX. The Lowes credit card department Verified my identity and then told me that they are canceling the account number and sending me a new card. 
And that it was being submitted to their fraud department and that I am NOT responsible for the over {$1500.00} charges. 

I am receiving the emails and texts for Payments Due. 

I have made calls to find out the status and I am getting the run around regarding this issue/investigation. 

I am very protective of my CREDIT. 

I was told today to PAY the amounts for now. I asked why I have to pay {$1500.00} to just sit while they investigate?!. 

I was transferred and transferred. On hold for 20 minutes. I thought that I must have been forgotten about. 

I hung up and I called back. Asked for the fraud department and as of this written submission I have been on hold for 65 minutes!!!! OVER AN HOUR. On hold. No one returning to the phone line. 

I will hang up and PAY the MINIMUM DUE AMOUNT today to protect/preserve my credit. 

I NEED HELP. 

Thank you. 

XXXX XXXX
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Receivables Management, Inc. (TX)

They first contacted me with a letter dated XXXX stating that I owed money from a XXXX ( which never sent me a bill because they went out of business and instead just handed its debt to you Accelerated Receivables Management Inc. ). I contacted and worked with someone with the last name XXXX of sending my EOB ( via fax ) and having them review it. I was told on XXXX that my account was closed and I owed you all nothing. 
But some how I got a harassing call on XXXX ( even though they now deny they would talk to me like that ) from some man telling me that I still owed you and that it was n't finished due to my fault. After I explained that I had done all this already, I was told that I never finished it ( stating that the EOB said that it need medical records and I never followed up ) even though the XXXX person told me otherwise ( which the manager said that that person must not have known what they were doing ). I could not continue to deal with this man that was incredibly rude so I asked for a manager and was directed to XXXX XXXX. So I sent the same exact EOB that was sent in XXXX to XXXX XXXX on XXXX the same day. I called back talking to XXXX XXXX on XXXX to see if my EOB had been reviewed. I was informed that it had and that my balance was XXXX and my account would be closed. Feeling deja vu I asked for an email to be sent to me and a letter mailed to me stating that this was all taken care and that you would no longer bother me, she collected my information and told me she could do that. I waited an hour for the email, which never showed, when I called back and talked to XXXX XXXX who rudely told me that you do n't send emails. I requested to speak to a manager ( again XXXX XXXX ) who then told me that they do n't send confirmations that accounts are closed because you do n't have a letterhead for it and that my EOB was my proof I did n't owe anything ( again it was the same exact EOB that was sent in XXXX that I sent again in XXXX, but was n't good enough the first time ). All I have asked them for is some written confirmation that my account is closed with them but they just refuse to give me anything. I have emailed higher ups but no one will respond to me.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

I have a very old debt from 2012., was very sick., XXXX XXXX XXXX in and out of hospital. my roomate used my credit card and Id while I was in the hospital., XXXXXXXX XXXX card XXXX, I filed a fraud alert., Winn Law group in XXXX Ca . wants to sue me I am on XXXX low income. Winn Law group keep sending me nasty letters
Consumer complaint received 2023-02-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX I have attempted several times over the XXXX months to communicate with XXXX  in reference to this matter. The individuals that I have spoken with repeatedly told me that after their investigation, it was me that made those transactions. And they determined that my claim of fraudulent scamming of my debit card did not happen. 

XXXX decided that I had made those purchases and that they will not return my money to my account. I did not make the purchases or charges that I have been accused of. I have never heard of those companies. In my XXXX  account, you will find no mention of those companies. XXXX accused me of being the thief. I am not a thief, if I order an item ( XXXX ) I pay for those items. 

I have never heard of those companies and have made any purchases with them. I am mailing this information to your bureau with the hope that you can get to the bottom of the problem because XXXX, for whatever reason, is siding with these criminals. I always try to be careful where I shop, but someone has gotten hold of my XXXX information. I do not know criminal work because I am not a criminal. I do not steal. Please look at my problem to see if you can return to me my {$230.00}. 


XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (KS)

I am having a problem with mixed information that I see in my statements, which I click on and statements shown are not even for the correct dates that I click on. For Instance... I click on XX/XX/2023 and a row of statements downloads showing XXXX. On every date I click on this happens. I have had late payments with this company, and I have called many times about information needed about use off the card. The interest is sky high, and I can never get a call back, an email, nothing. I wanted to know if I can not use the card because it is declined. I am ok with this, as I just want to pay it down and leave it alone. My available balances have decreased even though I can not use the cards. I have XXXX cards with Upgrade and I have not used them in over a year. I had XXXX available a m month ago, and now it says XXXX. And I can not see why because the statements I click on do not show up. I feel this is very shady, and I do not have money to keep sending if this is how it is going to go. It is a never ending nightmare with this company. I need assistance please.
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate amount of late payments and is violating my privacy. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WI)

The syphinmy Amazon card has payment allocations options. 

These options are only available on the " full site '' -- there is zero indication this is an option in either their mobile website nor their mobile XXXX XXXX 

It feels like they are hiding this feature to increase fees. It's the radio buttons, that isn't hard to give me on my phone where I actually interact with this financial product
Consumer complaint received 2023-05-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (FL)

My account with Wise was closed abruptly on or before XX/XX/2023. In doing so they are preventing me from helping and supporting friends and family abroad. They did not give me a valid reason nor the opportunity to defend the use of my account. This is unprofessional and done without concern or care for me as the customer. It is not a crime to help and support individuals that are less fortunate. 

I am very disappointed and dissatisfied with the decision. I would like to have my account teopened. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-02
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. (GA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/year>, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. 

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud. 

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-03
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Dear Debt Collector, RE Letter sent from I.C. SYSTEM INC. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$250.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I believe Im being targeted because Im a veteran of the XXXX this company Credit collection service placed a past due debt from originally XXXX and liberty mutual on my credit report without any information given to me or mailed to me. They did not give me a chance to dispute or even pay this before reporting to the credit bureau. I ask them to please remove this asap and give me a email to resolve this issue.I do not have a phone .my emails is XXXX I believe Im currently being targeted because of my race and status. I have had no communication from this collection company whatsoever. Because Im not even in the USA at the moment
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for Citi bank XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you