davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-21
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXS XXXX & XXXX XXXX
Consumer complaint received 2023-09-06
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: Affirm Holdings, Inc (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-06
Product: Credit 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: GOLDMAN SACHS BANK USA (IN)

I reached out to Apple Card Services, reached out to the merchant and coming to a dead end. {$120.00} was pulled for a free trial. Apple denied because I got the credit but it was only a prevision. Not the merchant. The merchant is extremely not helpful. They keep telling me to contact apple to get the money back and their site clearly states I got 14 days from being charged as a first time customer. This is around day XXXX. To add do this, the annual subscription for premium for this service is gone. So now Im also out regardless of this outcome. Can anyone help return my money? Please and thank you. This is all for the Apple Credit Card
Consumer complaint received 2023-06-21
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX, but I never received a response. 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. 


Please correct these accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX Balance : {$530.00}
Consumer complaint received 2023-10-04
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (CA)

Notice of Agent : Experian, XXXX, XXXX I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 
According to 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 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. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-21
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. (MT)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. 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 an 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 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 2023-06-21
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. (TN)

there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is XXXX XXXX XXXX. 

There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. 

once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. 

I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. 

thanks
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I relocated to another city for college ( away from the XXXX  ). They continued scheduling appointments, although I verbally explained that I was moving and that I could not travel that distance to make appointments. I was paying out of pocket ( Monthly payment plan ) for these expenses with the help of parent as needed. I was told there was another office near my school ( which I got in contact with ) and was told I basically would have to start a new contract or treatment. Which included a XXXX  XXXX  that they said was needed and I never received. I decided not to do so because it was pointless being as though I had already had them on for a while and had been paying a certain price. I also did not drive ( parents werent around to transport me anymore ) and I didnt have a stable income. At this time I did not know that I was still being charged although I wasnt visiting the office. Fast forward I joined the military ( again relocated ) in which the XXXX  had to be removed in order to attend basic training. After checking my credit score I noticed 1 derogatory mark. I contacted the original provider and informed them again that the XXXX  had been removed and I relocated and that I did not even finish my treatment. They told me it had already been sent to collections so it was out of their hands, they forwarded me to the correct point of contact and I explained my situation to them as well. In return I was offered a deal to pay off the payment. I never went to an appointment unpaid. The payments stopped when I stopped going. I was paying when I was receiving treatment in the original city.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was the victim of a scam originating on " XXXX ''. I believed I was sending money for the adoption of a kitten. However, upon sending the money via XXXX, it became clear that there was no kitten, and I had sent {$80.00} to a person without any hope of seeing the money again. 

I asked for my money back from the scammer, which obviously did not work, as they were trying to solicit even more money from me. 

I reached out to XXXX, and received an acknowledgement of my complaint, but no restitution of payment or resolution provided. 

I reached out to XXXX XXXX XXXX to ask for them to cover my losses and hold the scammer responsible, but they ignored my multiple emails. 

Ultimately, I believe chase bank should be held accountable and am asking for them to return my money. The scammer imitated a real person named XXXX XXXX, to whom I sent money. Chase did nothing to stop this. Under Regulation E., banks must be held accountable for fraudulent transactions. Chase did not do enough to protect me.
Consumer complaint received 2023-09-06
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. (GA)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

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/20XXXX XXXX
Consumer complaint received 2023-09-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

I purchased a {$400.00} gift card at XXXX which I only used once to order food. After a day the card was used to purchase something for {$230.00} from a store in New York which I live no where near and did not authorize myself and then the card just went inactive and unable to use it at all. I cant purchase anything, check balance or anything. I contacted the company and submitted the requested documents they asked for but no one has ever contacted me back at all or anything regarding the gift card and how I can get my money back that was stolen from me. I want a new gift card issued since the funds were stolen fraudulently and I only used it once to order fast food delivery.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (FL)

account # XXXX Fay Servicing LLC reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.
Consumer complaint received 2023-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On XX/XX/XXXX and XX/XX/2023 PennyMac received two mortgage payments from my account totaling {$3600.00}. Upon noticing I promptly reached out to PennyMac, they claimed they processed my refund of my money. On XX/XX/XXXX I was told it was escalated and the money would show shortly. I was later told that they placed it on a " suspense '' account instead of refunding it to the account as directed. On XXXX XXXX customer service is now saying they will send a check in 14 business days because they can not put it back in my account, contradicting everything previously said by PennyMac representatives. Additionally, there is an eDisbursement account set on the account that would allow for the direct deposit of the funds back into my account. 

This were funds from my VA payment and has caused extreme hardship with PennyMac not wanting to return payment.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

Federal Rules of Bankruptcy XXXX XXXX and XXXX for more detail on the Clerk 's duties to keep records and privacy protections for those records. Unless your bankruptcy case records are sealed or contain information subject to XXXX XXXX.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (AR)

I previously sent letters to Experian, XXXX, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct. 

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. 

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. 

I have also attached the information as it appears on my consumer report. 

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.