davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I have been unable to use my American Express virtual gift card with {$370.00} since XX/XX/XXXX. I called American Express 6-8 times over the last 8 weeks. Im always told that the card is fine and that it was the particular merchant. One time I was told that it was the merchant on XX/XX/XXXX had placed a pre authorized hold on the account that must not have been lifted. I reached out to that merchant and they promptly responded that this was an American Express issue. 
Ive tried using the card in store and online through a variety of National Chain merchants. 
There is no higher up to investigate or take my call and they will not issue me a new card. 

I have called several other times in XXXX, but would have to pull my phone bill. 

XXXX 45 minutes XXXX 25 minutes XX/XX/XXXX 7 minutes XX/XX/XXXX 14 minutes
Consumer complaint received 2023-08-19
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. (FL)

This is my 11th 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 Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$460.00}
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing this on XXXX to dispute the following information on my credit reports ( XXXX, transunion, and XXXX ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX  XXXX XXXX XXXX I am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Consumer complaint received 2023-08-19
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. (GA)

I submitted a police report anf ftc identity theft report. For CITIZEN PAY. I have reached out to the credit companies serval times via phone, mail and email. This company continues to violate my consumer rights. This company has not provided me with any proof that I open these accounts nor that I gave permission for these accounts to be open. It is disgusting that Ive went to every level and this company refuses to do the right thing!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The the company XXXX XXXX was removed from my account all of a sudden its back on my account this company is totally a scam they put Negative information on my account Made up two different contracts one which wasnt signed by me they need to be deleted from my credit history and all the negative removed Immediately
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (NJ)

I am writing this on XXXX to dispute the following information on my credit reports ( experian, XXXX, and XXXX ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX  XXXX XXXX XXXX XXXX am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (MD)

In 2019, and while insured by XXXX XXXX in XXXX California, I visited Maryland ( where I have now moved ) for several months and received medical attention from a XXXX XXXX XXXX injury here. 

Before receiving the medical attention, I contacted a XXXX representative in California who advised me that any medical services that I received in the XXXX / Maryland / Virginia area would be covered by my XXXX plan in California, provided that I received the attention at XXXX XXXX. 

I was further told that medical services received from non-XXXX facilities may be covered as well but in more limited circumstances, so I made sure to only receive care in XXXX owned and operated facilities. 

When I later permanently moved to Maryland, I officially switched my coverage to XXXX XXXX. At no point was I without coverage, either by XXXX of XXXX California or XXXX XXXX. 

After several months of services from XXXX XXXX, I was informed that I owed out-of-pocket costs from the services previously rendered in the XXXX XXXX facilities while I was a member of XXXX XXXX California. 

I disputed the charges with XXXX 's internal dispute resolution services, and during the last call I had with them I was told that since their records confirmed that I was completely covered by a XXXX plan ( whether XXXX California or XXXX ) at all times, I would not be responsible for any out-of-pocket charges and they would be resolved internally. 

I believed that the matter was resolved until I received a letter yesterday from USCB America, informing me that they are attempting to recover a debt of {$2800.00} owed by me to XXXX XXXX XXXX. I ran my free credit report and this has in fact been reported and my credit score has been significantly lowered as a result.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (MD)

Hard Inquiries need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I had my identity stolen and several things including a bankruptcy are reporting to Experian. I never filed a Bankruptcy! I have contacted XXXX XXXX Bankruptcy Court and sent them all of my documents. When i contacted Experian they did nothing and would not even investigate the matter. I have attached my police report, FTC report and cover letter that i sent them. I should be protected from identity theft according to FCRA Law. Please help
Consumer complaint received 2021-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

This started in XXXX on the XXXX when we switched our mortgage over to a biweekly payment. The NewRez system does not allow principal only payments via their website or automated telephone service so I am forced to speak with a person each time. Problem is they have limited hours and are now closed on weekends ( due to Covid ). So, on XX/XX/XXXX I called them to make a principal only payment of {$3000.00}. The first person I spoke with hung up on me. So did the second. The third attempted to make the payment but stated she was unable to due to a biweekly payment already being processed so I would have to wait until XXXX. I do not find this acceptable since I feel I have the right to make a payment whenever I choose, per the contract terms. I gave in and they were supposed to apply my {$3000.00} principal payment that Monday. Monday came and went, as did the entire week. I looked at my account with NewRez on XX/XX/XXXX and saw that they tried to make the principal only payment three times but were unable so they charged me a {$15.00} NSF. I called this morning, XX/XX/XXXX. Again, two people hung up on me. I then asked for a supervisor who also hung up on me and made no attempt to call me back. I finally reached a supervisor after hours spent on the phone who was willing to help. She listened to the phone recordings and determined the customer service agent was in error so she reversed my NSF fee. She also stated she would process my now {$3100.00} principal payment ( to differentiate from the other {$3000.00} payment so that I can keep track of their errors XXXX. Except this time, instead of applying it all to principal she applied it as a regular payment ( escrow, interest, and principal ). Honestly, I have had it with this company. To top this all off, NewRez does NOT apply a biweekly payment to the mortgage until they receive two payments for the month. This means I am not collecting interest on my money they are holding onto for two weeks each time, but am still accruing interest on the mortgage which otherwise would be reduced the principal component of the biweekly payment. I believe this is illegal. Their customer service at best is incompetent, at worst, extremely RUDE. Never helpful since I have to waste hours yet AGAIN on this coming Monday explaining how they screwed up again. No person should have to endure such idiocy.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Surepay Lending Group LLC (UT)

They claim I took out a loan with them, but I did not. 
They say perhaps my identity was stolen, but my credit has been locked down for years. 
I have to manually unlock it, so I'm aware of every credit related transaction. 

Originally they had been calling every month or so for about a year. Each time I spoke with them I asked them not to contact me again. 

Recent logs ( as far back as my phone goes ) - XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Call unanswered XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Texted. Asked not to be contacted again. 
XX/XX/2023 - Asked them to contact the right person and not me. 
XX/XX/2023 - Two additional texts. 
XX/XX/2023 - Call. Told them they were wasting my time again.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is reporting a charged off/written off on my Consumer Credit Report. This reporting is not accurate. 
According to the IRS website debts that have been Charged off or Written off are treated as canceled or forgiven DEBT for tax purposes, and the related canceled amount is reported to the IRS on Form 1099-C. I would like to bring to your attention that the reporting of a charged-off or written-off account as a debt on my Consumer Credit Report is inaccurate, as canceled debt does not constitute debt owed. 

See attached file.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX credit card Applied for loan at my bank and was told I had a delinquent credit card. I stated I dont have a credit card. My checking acct was hacked 1 month prior to the card being opened and transaction made 1 time. The majority of the charge was the initial fee of the card. I have called 2 times to have this resolved. Also filled out an affidavit that states the facts also
Consumer complaint received 2023-08-19
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. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

XXXX  amount : {$220.00} Dispute Ask : {$160.00} On XX/XX/XXXX, my mom and I came back from a 15 hour flight from XXXX. We went to the XXXX  XXXX XXXX  that the XXXX XXXX provides for {$65.00} a ride. The cab driver was cursing in the car, making XXXX remarks XXXX XXXX XXXX  XXXX XXXX. When we finally arrived at my destination, he overcharged me and made up some math on his phone calculator. After the pending charge successfully completed, he also added a {$40.00} tip to himself. I did not authorize this fraudulent tip or the overcharge amount. I saw a credit card machine in his XXXX  cab, and he lied and said its not working and to use the XXXX app on his phone. I also asked for a receipt that was itemized with the tolls and amounts and he lied and said he sent it. He purposely never sent it to me, and was trying to take advantage of my mom and I. 

After the event happened, I contacted the XXXX XXXX company, Chase, and XXXX immediately. Chase and XXXX stated that I should just wait until the pending charge is complete and then dispute it. After a month of investigating, Chase deemed this charge legitimate. I called Chase to ask why it was deemed legitimate, and they said that they can not do anything with XXXXXXXX XXXX policy and are unable to help me. I asked if they could reopen the case, and they said I can write a formal letter and mail it or fax it in to them. Chase and XXXX both did not seem to care about me in this instance. I truly am making a complaint because if this taxi scammer is able to get away with this with me, then whose to say he isn't doing this with others? What if he added a {$100.00} tip to himself? Does that mean no matter what I have to eat the costs? Even though my mom is a witness, and I did not authorize or sign for this? Chase also stated that they do not deem this as a fraudulent charge since my card was not stolen or taken over. However, this is an unauthorized over amount and tip. I am very disappointed that this kind of behavior is okay.
Consumer complaint received 2023-08-19
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. (OK)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my XXXX credit report, and i noticed some late payments posted on my credit report : XXXX XXXX Bank. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 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 ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on XXXX and Transunion. Showing made payments on Transunion yet late payments on XXXX. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.
Consumer complaint received 2023-08-19
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. (NJ)

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. Account name : Account Name XXXX Department XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX 0 % has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.