davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Team Recovery Inc. (OH)

On XX/XX/year> I contacted the agency by the name of Team Recovery, INC and spoke with a representative at approximately XXXXXXXX XXXX EST. I confirmed my name, and address, and requested an itemized receipt of what they are improperly reporting to my credit profile. The representative tried to avoid this request, and told me call the hospital, call your insurance, weve already sent you letters. 1. I have no knowledge of these balances they claim are mine. 2. Why would I call a hospital or my insurance when this company is damaging my credit by reporting what is apparently healthcare bills, which is not legal as it is a violation of HIPPA. 3. Ive never received a letter from this company previously. 

On XX/XX/year> I received a letter from this company, and it was not what was requested. I asked for an itemized receipt of what they are reporting to my credit to confirm this is accurate, and truly mine- the letter indicates no record that the debt being reported truly belongs to me in any way besides slapping my information on the letter with the balances they are reporting. 

Due to my request not being fulfilled. I am disputing the validity of this reporting as the information they provided to me shows no information on how this debt is mine. I am requesting all accounts be removed UNLESS a full itemized receipt is provided to me.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This company has called more than 7 times in a day also sent servers to multiple residents homes disturbing there families and loved ones asking questions about me.
Consumer complaint received 2022-11-17
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. (FL)

To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.
Consumer complaint received 2022-05-26
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. (IL)

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (FL)

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. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 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 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm furious with how XXXX, XXXX, and Experian are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code XXXX. I've sent letters through basic software, but your silence is illegal. No XXXX of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating XXXX5 U.S.C. 1681 Section 602A. Heres where you messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
Consumer complaint received 2024-03-25
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. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-11-17
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. (NJ)

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

TransUnion/XXXX report the account as Closed ; XXXX reports it as Open TransUnion reports a different balance than XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capitol One, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, continues to send mail addressed to " PERSON X '' to our home address. " PERSON X '' has never lived at our home address, nor is he related to us in any fashion.

We have repeatedly refused mail XX/XX/2018-present from Capitol One addressed to " PERSON X '', saying " RETURN TO SENDER - ADDRESSEE NOT AT THIS ADDRESS ''.

I am concerned about potential fraud by the Addressee, and by Capitol One. Who knows, this could evolve into our getting harassing phone calls from Capitol One about unpaid bills!

I have seen the same complaint on the internet about the same company from another U.S. resident. That person said they had called Capitol One and supposedly it was taken care of, except the abuse continued.
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Dealing with XXXX XX/XX/2022 I reached XXXX payments ( my form had been canceled ) XXXX I called multiple times and submitted another form and was told I would not transfer to Mohela. XX/XX/XXXX my 124 approved payments transferred. 

I called Mohela in XXXX and was told all was good and it would be discharged in a couple weeks. Its been 3 months and nothing has happened. 

Its next to impossible to speak to anybody there now. This process has been going on for 7 months. 

Another person went this route and suddenly the got a forgiveness letter from Mohela. Trying this because I dont know what else to do anymore.
Consumer complaint received 2022-11-27
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. (TX)

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidntiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-23
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX {$6300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (FL)

Unifund has not informed me. They only informed me of a lawsuit now that they reported to the CFPB. They come up with one letter that they tried to notify me that there was a debt. They have not clarified this debt they have not shown this debt is owed by me. They have not shown original purchase agreement that shows mileage, legal legally owned this debt by my original creditor of XXXX XXXX XXXX, I also request copies and statements from open to close from this account. I want to see proof that they are legally debt collector in my state. I want to see a copy of the bond that shows they legally registered in my state. Want to see a wet signature of XXXX XXXX  contract this debt was insured and paid off by XXXX XXXX  this debt is closed. Furthermore, XXXX XXXX  has arbitration. You can also be paid with notes in negotiable instruments. Simply stating a name and address and a phone number is not clarification of ownership of a debt show me a wet signature that will be clarification by law. Thank you.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (WA)

Chase without my authorization or " hacking '' method redeemed from my Rewards account of XXXX points to give me a statement credit. 

Attempts to get feedback from Chase XXXX Customer Service were met with run around and pass to different focals with no answers. 

" We expect your statement credit to be applied to your account by XXXX/XXXX/17. 

Statement credits will reduce your balance but you are still required to make at least your minimum payment. 

Here 's your order confirmation : Chase previous FAILED to give me {$50.00} credit on chase XXXX XXXX - XXXX which I was pre-authorized to use. 

Order date : XXXX/XXXX/17 Order # : XXXX Total Rewards Used : XXXX Points ''
Consumer complaint received 2023-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (VA)

I got a letter in the mail from XXXX XXXX XXXX saying that I owe {$95.00} to XXXX XXXX XXXX with the account number XXXX which I have no knowledge of as I have never had an account with them.
Consumer complaint received 2023-03-04
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)

This is 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 items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.
Consumer complaint received 2023-02-01
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. (PA)

I recently received a copy of all XXXX  of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-02-14
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: JPMORGAN CHASE & CO. (VA)

A Chase Amazon credit card was opened in XXXX of XXXX with a credit limit of {$4900.00} which remained at or above balance since XX/XX/XXXX. 

For 15 months, I paid the minimum due within 30 days of due date, and remained at the high balance. 

On XX/XX/XXXX, I paid off the entire balance of the card, and Chase Amazon contacted me XX/XX/XXXX to let me know they have decreased my limit to {$500.00}. 

The letter states this is due to a periodic review and the following : XXXX. Balances on accounts are too high compared to credit limits XXXX. Number of accounts currently in use XXXX. You have one or more recent past due payments on your CHASE accounts However, the timing is very suspicious and these periodic reviews would have shown that the above listed reasons have been the situation for the majority of my time with the account. Chase did not make any changes to my limit when my balance was at or past the limit, and when I was paying the highest APR and interest rate every month. This now removes {$4300.00} from my overall credit limit, and keeps me at a high utilization rate. This types of behavior are discriminatory and practices that are intended to keep individuals in debt. I file a complaint against Chase and I have contacted them to file an investigation, which has led to them stating the same exact thing as the letter. I do not know if taking this time to write and express my experience will go anywhere, but I here is to hoping.
Consumer complaint received 2022-11-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
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: EQUIFAX, INC. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.