davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I paid an apartment rental application fee of {$52.00} with XXXX XXXX Apartments in XXXX, XXXX. The apartment told me they have an apartment ready, Id just need to fill out the application and pay the {$50.00} fee. After filling out the application and paying the fee, they told me the apartment was no longer available and they rejected my application. I put a hold on my application fee through my bank until I was able to get a hold of the XXXX that same day to understand why the apartment was no longer available. Once I spoke with them, I released the hold from my bank the same day and they received their money of {$52.00}. This left my balance at {$0.00} with XXXX and I did not rent with them. 
XXXX sold my debt to a collection agency after it was fully paid off on XX/XX/XXXX. Basically, they got paid on it twice but sold it as a debt of {$120.00}. They claimed the bank charged them a {$75.00} fee for the dispute that was resolved in the same day. They did not provide any proof of the chargeback amount they allegedly received from their bank. 

I went to the apartment and they gave me a print out of my statement showing a balance of a {$0.00} as of XX/XX/XXXX. 

In conclusion, I paid the {$52.00} application fee and the XXXX at XXXX provided me evidence of a {$0.00} balance. However, they are telling the collection agencies and the credit bureaus otherwise. I have provided copies of my bank statement and copies of the statement from XXXX but nothing is being resolved. 
I am feeling desperate to get some help on this issue as this is effecting my credit and my rental ability. I have fully paid off my debt before it was ever with the collection agency. This is becoming really frustrating and it feels like I am not getting anywhere with anyone, especially XXXX XXXX Apartments. Ive reached out and stopped by to try and correct this issue. They refer me to contact by phone. Ive left messages and called numerous times to no avail. 
Please let me know if I can provide any additional evidence to resolve this in a timely fashion.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My daughter has fraudulently gained access to my TransUnion account, as well as my banking accounts, credit card accounts, investment accounts, utilities accounts, HOA account, medical records account, email accounts and changed my personal contact information to her own, changed my passwords/PIN 's and has locked me out of my own accounts, and changed my XXXX XXXX XXXX XXXX to her home address. I have spent months trying to recover my accounts and have my access restored. I have been successful with most of my accounts, but I have had to hire a lawyer to help me. 

My daughter has fraudulently placed a freeze on my credit, which has caused me a lot of problems. I have called TransUnion several times and have spoken with different customer service representatives, but the result is always the same - " Sorry, since you don't have the password/PIN to the account, we can't help you. '' This is completely unacceptable. I have sent a letter with my personal documentation to prove my identity in the hopes of having my access restored to my own account and having my daughter and her information and password/PIN disabled. 

I don't know how to have my access restored and the credit freeze lifted from my credit if TransUnion will not help me. I would never in a million years be able to guess what password/PIN my daughter has placed on my account. Who do I turn to for help? I am filing complaints with every organization and/or agency I can find and hopefully somebody will be able to help me!
Consumer complaint received 2022-11-01
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Since XXXX, we have had an Equity Line of Credit account that was initially opened with Washington Mutual but has been with JP Morgan Chase Bank since Chase purchased WAMU. One of the features with this account was a no-fee checking account. In XX/XX/XXXX, Chase sent us a letter explaining that our checking account would automatically become a " Premier Plus Checking Acount '' on XX/XX/XXXX. We were told in the letter that this new Premier Plus checking account would be exactly the same as our previous account with only one BIG difference : there would now be a {$25.00} monthy service fee! There was no decent reason given for the new large fee ( other than possibly " Greed! '' ) and thus far this year, Chase has netted {$150.00} in fees from us for doing nothing more than they ever have since assuming the account from WAMU. We believe this is a clear violation of the original terms of our original Equity Line of Credit Account agreement we signed in XXXX.
Consumer complaint received 2023-02-13
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : BK OF AMER - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 

Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report. 

Previous Notices : Please be informed that I have already sent notices directly to XXXX disputing this and other inaccuracies. Under the FCRA, you are obligated to conduct a reasonable investigation within a 30-day period and either provide the requested verification or remove the disputed inquiry.
Consumer complaint received 2022-11-01
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. (DC)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-29
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. (MD)

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 3rd party. They in fact did not come from a 3rd 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 2022-11-01
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. (DC)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX 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 my written instructions.
Consumer complaint received 2022-11-01
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. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX 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 my written instructions.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (PA)

MRS BPO placed a false statement on my credit report that I had an account with XXXX. The account is in the name XXXX. This account was never authorized by me, I never ordered XXXX XXXX, and I owe them no money. I did NOT open an account in XX/XX/2022 as MRS BPO falsely represented. 

I disputed this with XXXX. XXXX contacted MRS BPO and advised them. MRS BPO falsely stated that they verified the debt. 

Pursuant to the Fair Debt Collection Practices Act, I dispute the debt with MRS BPO. The basis for the dispute is I never used the name XXXX, never applied for a XXXX account, never authorized any charges to XXXX, do not owe XXXX. MRS BPO needs to provide a copy of the agreement in question. 

Pursuant to the Fair Credit Reporting Act, the reporting of the account on XXXX, XXXX, and XXXX is not accurate. I never applied for an account with XXXX, never used the name XXXX, never incurred any charges, and do not owe XXXX for any reason.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX  has violated my rights to privacy.

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 : 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 items of information, other than the records of convictions of crimes which antedates the report by more than 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.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I started my auto loan with Santander in XXXX of XXXX. Ive been a victim of predatory lending. I was told my loan was only a 4 year agreement with a {$2000.00} down payment and the internet rate seems to be much more than what I agreed on.Most payments are only going towards the interest and other fees. The loan started at XXXX with a payment of {$300.00} a month ... several of which I payed double and as of XXXX I will still owe them over 8k
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NJ)

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2023-08-15
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. (TX)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act theses XXXXXXXX  accounts have violated my rights : 1 ). XXXX  XXXX ( XXXX ) Account # XXXX 2 ). XXXX  XXXX ( XXXX ) Account # XXXX 3. ) XXXX XXXX XXXX ( XXXX ) Account # XXXX. 

Rights Violations : 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 my written instructions.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (MD)

I received a letter/Notice ftrom Goldman Sachs dated XX/XX/XXXX stating that " my '' Apple Card account is past due : Apple Card Customer : XXXX XXXX XXXX XXXX " As of XX/XX/XXXX, your account is past due. Your past due balance is due immediately. In order to regain access to your available credit, please make a payment by going to Apple Card in the XXXX XXXX, online at card.apple.com or by reaching out to an Apple Card Specialist... 
If a payment for your past due balance is not received by the end of the month, Goldman Sachs Bank USA may continue reporting your past due balance and missed payments to credit bureaus. This may impact your credit score. '' I have no idea what an Apple card is, nor have I ever used one. My XXXX was hacked and information was stolen in XX/XX/XXXX right before XXXX. Also, I was no longer able to use the XXXX. I kept getting a message asking me for my Apple ID. My Apple ID was no longer recognized. I could not change my password or put in a new Apple ID.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested my transunion credit profile to be frozen and it was not honored, which opened my account up for fraud and identity theft cases. Also put evictions in my profile wrongfully causing me to pay higher deposits for rental properties.
Consumer complaint received 2023-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX XXXX was not the initial mortgage company that I had when I purchased the house. I was having problems with my payment after being downsized in XXXX. Caught up until XXXX. I contacted XXXX XXXX and explained the problem. They said they could help. With a modification. Sent papers for me to complete. But instead of helping me they increased payment more than double.and added an additional XXXXXXXX XXXX  on to my mortgage In XX/XX/XXXX. I wanted to know where the additional XXXX came from. because I couldn't keep paying this high amount. And wanted this corrected IWhen I requested another modification. They sent documents that I didn't think they wanted to. Because it had documents shwing that they refinanced my home without my knowledge was that wa assigned a worker. I received 3 different letters naming 3 different people. XXXX of XXXX I was sent a letter saying that they had no program to help me at the time. .The pay off date for my mortgage is XXXX and I am sure I won't be alive. I am XXXX XXXX XXXX now.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way