davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (TN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-24
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: Affirm Holdings, Inc (WI)

15 U.S. Code 1666b - Timing of payments States that, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX is illegally using my credit report by improper reporting and refusing to remove the improper use. This is a violation of my federal rights.
Consumer complaint received 2023-08-24
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

First National Bank did not pay the insurance premium ( which was escrowed ) in XX/XX/XXXX on my uncle 's mortgage account. The insurance agent called me and stated she had spoken with First National Bank several times to try and get the payment on the premium with no response and the homeowners insurance was cancelling in the next few weeks for non-payment of the renewal. I reached out to both First National and the insurance company in XX/XX/XXXX to see if the payment had been paid and it still had not. Agent said she was not able to reinstate policy since it had already cancelled and new policy would be much more expensive.

First National Bank forced placed a policy in XX/XX/XXXX on the home. In XX/XX/XXXX my uncle passed away and I inherited the property. I took out a new homeowners policy beginning XX/XX/XXXX and sent over proof to First National Bank by fax several times along with calling them to cancel off and refund the forced placed insurance policy. The Insurance dept at First National called my insurance company XXXX XXXX XXXX ) and verified that we had coverage on the home but the forced place insurance was never removed. I am paying this mortgage off tomorrow and the payoff still includes 2 years of forced place coverage. 
We are due a refund of the full 2 years of coverage of this homeowners insurance. First National Bank is at fault for not paying the original premium on the homeowners coverage which increased our costs on trying to find a new insurance policy. AND they have not been willing to refund the force placed insurance even though numerous policies have been provided showing we had other coverage. This bank is the worst with communication and responsiveness.
Consumer complaint received 2023-08-24
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-24
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX & XXXX XXXXXXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Attempted to open a brand new checking account and savings account with Citizens Financial Group to take advantage of a new customer offer. Within 3 hours, same day, and after a soft credit check my accounts were closed and I was locked out. Spent close to an hour trying to call into the customer service line for a resolution or explanation, and to confirm there was no concern with fraud as i had provided my other banks 9 digit ABA as well as account number. Associates were downright rude, and did not offer any sort of explanation or resolution. Additionally, the " supervisor '' could not even verify whether or not the accounts were closed on their side or through my brand new user ID which was extremely concerning since I was originally calling in just to confirm whether or not there was a concern or any fraudulent activity. 

I've never had any overdrafts, my credit score is outstanding, and I believe they are bias due to the fact that I work in the industry. Terrible new customer experience and no form of resolution offered or even suggested. Only response I got was " You will receive a letter in the mail ''. Requested my credit report, everything is accurate and there are no demeaning marks or reasons to dispute info. This is simply unfair and deceptive business practices, and unjust disqualification.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting my complaint about the negligence of the Transunion Credit Bureau and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the charge off account XXXX XXXX XXXX XXXX Balance Owed : {$810.00}, resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I have enclosed copies of my supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and removed the inaccurate on my credit report as required by the Fair Credit Reporting Act. This charge off account should be removed : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.
Consumer complaint received 2022-12-06
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MO)

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. 
account # XXXX in the amount of {$100.00}
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-26
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. (FL)

I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) 2 you must also complete this reinvestigation within 15 days of receipt of this letter.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Dear bureau, I am heavily monitoring my credit and noticed several inaccuracies. You have original creditor listed on my credit report. Who is that? To my knowledge any item you list on my credit has to VERIFIABLE according to the FCRA. There is no contact information for original creditor. I did my research and nothing popped up. Remove this erroneous account from my credit report immediately within 5 days of this letter. 

Should you not remove this I will send this to my Attorney general for further review. 

List out the account name ( XXXX ) - Account Number
Consumer complaint received 2022-10-25
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. (AZ)

I have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.
Consumer complaint received 2020-01-17
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: Experian Information Solutions Inc. (SC)

I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.
Consumer complaint received 2023-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AR)

On or around XXXX or XXXX of XXXX I had to call am I lance for a fall and XXXX XXXX at that time I was unable to drive XXXX XXXX was very XXXX  and lots of pain I explained that to am Ilan e they tried to avoid the issue of XXXX XXXX being over XXXX and ended up taking me to the XXXX Around XXXX of XXXX I receive a bill from XXXX  stating insurance denied the claim where I then called Medicare who stated the company was not properly notating the information regarding the need and the code they were using was not ambulance approved! Medicare then told me to call XXXX  request they properly notate the reason for call and need and file it under the proper code and resubmit! The same employee twice told me that they did it right and they would just stick it in a folder due to Medicare would still deny it! Willing knowing they were improperly billing the whole claim and they never sent it back through Medicare! I called a month later and still had not resubmitted the bill through my insurance which I have a primary and a secondary XXXX XXXX  from the military with no need for copay or pre authorization for medical care of the claim is sent in correctly and noted the claims have never been denied! After calling XXXX three times she stated there was no need for them to change the information and that if I did not want to pay the bill so be it they would then it o er to collections and It would then affect my credit which it has done that! The day of call the need for ambulance was needed and led to worse and further damage and more rides in the ambulance to the hospital, XXXX billing department never resubmitted the claim properly to the insurance company and until they do the correct billing and submit the claim the proper way it will go unpaid! Why should I be responsible for a large bill when I have two insurances from my service to this country but since XXXX wanted to be nasty and hateful with no help at all and only threaten me about the bill after I spent time with insurance verifying there code and notation was the issue. I feel the billing department should have to delete this collection from my credit and do as I instructed them to after speaking to Medicare. Im not sure if XXXX calls are recorded in their billing department or not but if they are it can be tracked down to the employees nasty statements and the amount of time I asked them to resubmit when they only submitted the claim once and it was incorrect. Threats and damaging my credit over disregard to follow billing rights and laws is unfair on my part! My bills are always paid and I have full paid insurances to cover my medical needs so Im asking this complaint be fully investigated to the fullest and my rights to medical care and billing be applied to the amount of problems this bill has now caused me for over five months due to them refusing to following instructions by insurance company!
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WY)

I opened a Chase credit card on our around XX/XX/XXXX. They advertised a good deal on balance transfers and said the transfer would take 5-7 days. I tried contacting them via their website and was told the transaction was " pending. '' I called them on XX/XX/XXXX and was told the transaction would go through " XXXX XXXX XXXX. '' It did not. I called again on XX/XX/XXXX and was told the transaction would " go through XXXX. '' It did not. I have since contacted Chase to cancel the account. I resent being lied to.
Consumer complaint received 2023-08-24
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. (NC)

This is one of 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 accounts 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 accounts : XXXX  XXXX XXXX and XXXX  - XXXX  XXXX  XXXX. Please remove these accounts ASAP.