davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
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: Experian Information Solutions Inc. (GA)

Step 1 : What is this complaint about? This complaint is about XXXX selling their credit card account to XXXX XXXX and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When XXXX sold the credit account to XXXX  XXXX, either XXXX  XXXX or XXXX closed out the account on my Experian credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my Experian report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? XXXX, XXXX XXXX, XXXX XXXX, Experian. 

Step 5 : Who are the people involved? Myself was effected by XXXX, XXXX XXXX, XXXX XXXX, Experian.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My XXXX card not showing up on my 3 credit reports and they are reporting in excellent standing. The last report date to the bureaus was XX/XX/XXXX. Account was open XX/XX/XXXX last card XXXX are XXXX. All 3 bureaus said they didn't get the info, but XXXX said they're reporting.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My CapitalOne card not showing up on my 3 credit reports and they are reporting in excellent standing. The last report date to the bureaus was XX/XX/XXXX. Account was open XX/XX/XXXX last card 4 are XXXX. All 3 bureaus said they didn't get the info, but CapitalOne said they're reporting.
Consumer complaint received 2019-06-18
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: Lending Club Corp (OH)

Someone opened up fraudulent accounts in my name : XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX, XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XX/XX/2019 I asked my MyFedLoan servicer a question regarding XXXX XXXX XXXX, and deferment. Since the school doesn't take federal loans, I wanted to inquiry because it is a sudden interest due to a sports injury from running. It's been a week and they still haven't answered my question. I'm ok with them saying no, but at least have the courtesy to respond. Thank you.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.
Consumer complaint received 2019-06-18
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)

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Recently, on XX/XX/XXXX, I was assessed a {$19.00} annual fee for this account. I attempted to seek a waiver of this fee as I have in the past, due to the age of the account and my loyalty I have generally had no problem getting the fee waived. I spoke to a supervisor in Capital One 's regular phone customer service department after a regular representative was unable to assist me. In the past 6 years I have had this account, I have been offered an upgrade/product change one time, and there have never been any subsequent offers available to enable this account to grow with me. I was offered a credit line increase once in the last 3 years of {$250.00}, and none since that time. I have other accounts with much higher limits. I have never been late or delinquent on this account, and yet Capital One has become even more rigid in terms of the account. The supervisor stated that fees can not be waived unless their " system '' determines I am eligible for a waiver, or I close the account within 30 days. She also stated Capital One has become less lenient in giving their basic representatives or supervisors the ability to waive fees as a courtesy. I would hate to close a 6 year relationship over a {$19.00} charge and the inability to provide any sort of limit increase or product change. This is currently my only account with such a fee.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX I want to open checking account the Bank of America, but teller said I am banned by XX/XX/XXXX. 

They didn't tell me the reaseon. 

It's unfair. I want to open checking account from the Bank of America as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX The U.S. Agency for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Cellphone - ( XXXX ) XXXX - XXXX Fax - ( XXXX ) XXXX XXXX
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.
Consumer complaint received 2022-05-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2019-07-30
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. (CO)

XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-06-18
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. (WA)

Experian is reporting a duplicate tradeline item for the balance of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Consumer complaint received 2019-06-18
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: Sequoia Financial Services (CA)

Sequoia Financial Services # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Consumer complaint received 2017-12-29
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 — Investigation took more than 30 days
Company: Radius Global Solutions LLC (MA)

I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called XXXX, TransUnion and XXXX many time because they keep making a lot of mistakes with my accounts. A lot of old debts that I have already paid a long time ago keep showing on my credit report. I send them the proof that I have paid those accounts a long time ago. But, regardless of that they do not fix it. In addition, my credit score never goes hired that XXXX XXXX XXXX XXXX However, when they low it. They take even XXXX XXXX from the score. I think that very unfair. Please help me to fix this. Thanks!
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX while visiting XXXX XXXX for a work meeting, I received a fraud alert for my Chase checking account. Immediately I contacted the bank and they listed 3 off ATM withdrawals which I did not make. One for {$330.00} 2nd for XXXX and 3rd for XXXX - all from the same ATM. I was in a meeting during the time of the withdrawals. Chase reversed the withdrawals and then a week later took the money back with no notification. When I reached out to chase their response was, the merchant had verified the purchases ( but these were ATM withdrawals not purchases ). When I finally spoke with someone at chase they said my card was swiped and pin was used. But it appears my card was skimmed. Last time I used the card was in the taxi with my pin. I was told that I would need to file a police report which I did ( this took some time as I was dealing with another country ). When I filed the report, chase did nothing. Finally I spoke with someone at Chase on XX/XX/XXXX in their fraud department. She looked into the withdrawals and also felt that something looked odd. Charges were attempted after I cancelled the card ( this information was never shared with me ). It is odd that 3 ATM withdrawals would be made. I have been with Chase over 10 years and I 've never filed a fraud charge. Chase now tells me that I need to deal with the police. Chase has been inconsistent with the information they are sharing with me. First telling me the merchant verifying the charges ( when the fraud was ATM ) and not letting me know about the attempted charges after the card was cancelled.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wallet was stolen in XXXX on XXXX XXXX, XXXX XXXX, XXXX. I stopped for XXXX XXXX vendor selling chai. Within a half an hour I discovered my wallet missing and found many texts indicating many attempts at charging were made on several credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX and my XXXX card. It appears that every card in my wallet had an attempted charge. Several attempts were for a purchase at XXXX XXXX XXXX for {$1900.00}. Another charge at XXXX 's was attempted on my XXXX XXXX debit card.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021, I called XXXX to inquire why I received a Master card in which I did not apply for, after questioning the young man, he was not able to answer my question. Therefore, he asked me to hold and he will find out. I was on hold for approx 8 minutes. He did not return. I hung up and called back. I was informed from a young lady that from the store card which was not an master card, that my card was upgraded and I received a master card because of good standing without permission. The card number in which I did not activate ended in XXXX. 

My question, what rights do they have to run my credit without permission. Previous to receiving the master card, I was asked several times when I shopped if I wanted to convert the card. I said " no ''. Now, without my permission I receive a master card.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (AL)

On XX/XX/XXXX, Premier Holdings contacted me about a very old debt that was charged off over 8 years ago. The lady named XXXX XXXX that works for Premier Holdings told me that I could settle a {$3400.00} debt that originated with XXXX XXXX in XXXX could be settled for {$1000.00}. This is coming at a time where I am already paying over {$2000.00} per month for two judgements so I was scared. She said they could prosecute me for Theft of Services. I ended up giving them my bank account information. They took the money out of my account before I ever signed the docusign that they sent to my email giving them permission. I still havent signed it. According to the Fair Debt Collection Practices Act, they were wrong. I just want my money back. Premier Holdings phone number is XXXX. XXXX is the manager and XXXX XXXX is the one I spoke with. Any help would be greatly appreciated.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mark A. Kirkorsky, PC (TX)

The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.