davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the female federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, PH. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the XXXX federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, XXXX. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX, PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc (SC)

- In accordance with fair credit reporting act AFFIRM INC . Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

- In accordance with fair credit reporting act XXXX XXXX XXXX XXXX. Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions. Fraud was committed on my account and i was charged for it instead of just closing the account
Consumer complaint received 2022-04-16
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2015-08-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (IL)

I file a dispute with American Express. On XXXX XXXX, 2015, I purchased though the internet from XXXX. I received the product and was is satisfied with quantity and size. I requested a refund from XXXX. I returned their product to them on XXXX XXXX, 2015. Received an email from " XXXX '' on XXXX XXXX, 2015 acknowledging receipt of the product. The only options for a refund is exchange or purchase another XXXX XXXX XXXX and call in a give them the order number and they will refund the XXXX order. I disputed this with my Credit Card company American Express. On XXXX XXXX, 2015 I received an email stating they have completed their investigation and they found that " the merchant has provided support and an explanation for charge in question. " I have requested to see the documents that merchant has provided. I called and though email. No response from American Express. I have called XXXX times to have my case reopen and I am put on hold for XXXX min. at a time and sometimes longer. Only for American Express Serve to tell me that they will send and email to the dispute department. In the meantime, I have no product or my money. American Express Serve customer services are rude and unhelpful. I never said that I did not authorize the charge. I sent their product back to them and I would like a refund. They are refusing a refund until I make another purchase. I am never making a purchase from this company. I am closing my account with American Express Serve and I do n't recommend this product. I feel that American Express Serve customer service are lying about my depute and about reopening my case.
Consumer complaint received 2022-04-16
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. (ID)

I submitted several disputes to XXXX  and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I submitted several disputes to XXXX and provided proof of XXXX XXXX  account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.
Consumer complaint received 2022-04-16
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. (MI)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (TX)

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX  for several months now, with no updates to my credit score in the last 3 months.
Consumer complaint received 2022-04-16
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: Upstart Holdings, Inc. (PA)

This account does not belong to me and is under litigatio.Account was opened fraudulently. All supporting documents have been sent to creditors and credit bureaus. Requesting all delete from record immediately! 

I took loan out with this same company in the past and had it paid off. Now unknowingly the same company has another account opened up with my same information. The account was not opened up by me. After reviewing information that the creditor provided on this matter ; it came to prove that the information on the account are also not mine : phone number, email, bank information.
Consumer complaint received 2022-04-16
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 (CA)

Capitol One card ending in XXXX approximately XXXX I applied for a credit card advance {$6000.00} included a 2 % charge or {$120.00} was expecting a check which never arrived so i canceled it was removed however {$120.00} was not removed called the XXXX they stated would be removed within 4 days on the XXXX of XXXX. I contacted them on that day cause there was a min payment of {$25.00} due in a nutshell i was told i would have to make 2 monthly payments before it would be removed. 
please advise XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit card or prepaid 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 (CA)

in XX/XX/2020 i purchased on XXXX XXXX bike components : XXXX XXXX XXXX valued {$860.00}, and XXXX XXXX XXXX valued {$1700.00} The items were planned to be delivered via XXXX on XX/XX/XXXX XXXX the following tracking numbers were provided XXXX XXXX On XX/XX/2020 the items were marked as delivered. however the items were not at my doorstep and nowhere around the house. 
Tracking number XXXX would have required signature for delivery. 
I believe the items has been delivered to the wrong address, however both XXXX and XXXX refused to open an investigation to find out where the packages where delivered. 
I then dispute with the credit card company which is Apple Card managed by Goldman Sachs. The dispute was resolved in favor of XXXX without any valid reason, although i have been trying to get in touch with XXXX to address the issue which instead ended up closing my account because of the dispute with the credit card company. 

many time in the past 2 years i tried to appeal the decision of the dispute with Goldman Sachs. New dispute was always opened but the result was always the same. 
Recently there were reports and complaints from many users that Apple Card was always closing dispute in favor of merchant rather than consumer. Upon such reports i received an email from Apple Card that they were reviewing again my dispute closed not in my favor, however once again the dispute was closed in favor of the merchant. 

2 years after i find my self with a charge of {$2600.00} which i have already paid off, but with no items ever received. A police report was also opened and sent to Apple Card multiple times. The police report is also attached to this complaint. 

Apple Card Goldman Sachs has been one of the worse credit card with one of the worse customer service ever, with no interest to take the side of the consumers with no apparent valid reason
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received an email from Citizens online bank. The email notified me that an account was opened up in my name. i called the bank and they have closed the account, but then I received an email from a credit card application after. This happened as of XX/XX/2022.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is this merchant named " XXXX  '' that I filed a fraudulent dispute against in the past as it somehow got my Capital One credit card information. Yet, after I changed my Capital One card numbers multiple times, the merchant XXXX  was still able to process new transactions through my new card numbers. Considering I never provided XXXX with my new account numbers, I believe Capital One allows past merchants to be able to see the customer 's new account number. 

When I request for my capital one credit card to be closed on XX/XX/XXXX, I paid off the balance and did not see any incoming transaction. Suddenly, now I received a statement from Capital one {$85.00} charges from XXXX on XX/XX/XXXX. When I called customer service today XX/XX/XXXX to file a dispute, the female representative was very " annoying ''. She kept asking " did you give your new card number to the merchant? ". I told her no. I told her there were disputes against this merchant in the past, so no reason I would have given the new card to the same merchant I had disputed against before. And more importantly, I closed my card BEFORE these transactions occurred. Then she asked me that very same question again as if she was trying to irritate me or to avoid solving the issue.
Consumer complaint received 2024-03-12
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. (AL)

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 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (VA)

I have lived in the United States close to XXXX XXXX years [ XX/XX/XXXX ]. I believe and/or guess that I am a naturalized citizen today. In my life time [ half of my years on earth and/or the United States XXXX XXXX, I did never have a single chance to get financing of any sort or kind because of many factors which surpassed human ability to quantify and/or analyze the why, when, where, what, which, when questions. I did never walk head up like others when my application gets approved because it is million " Denied '', " Declined '', " Not at this time '' so on and so forth. But through the wills of god., there were times when I overcame unbelievable and/or very bad competitions by financing my personal stuff by myself which always made many other bad guys turn up and get me XXXX  or XXXX  for some unknown reason., every time such challenges became shame and/or disgrace to the concurrent regulators., or their policies or whatever stuff and new policy must convene because of such and such stuff that has to be brought when something did not work or got beaten by not anticipated pathway. To make the long story short. I have GOOD or close to VERY GOOD credit score [ XXXX ]., I assume. But two recent attempts to make things worth moving by applying for a line of credit which would amount no less than {$990.00} was automatically declined and/or denied for the thousandth or whatever time since XX/XX/XXXX. Where is the intractable obstruction which hypnotized the existing laws, rules and/or regulations.
Consumer complaint received 2024-03-12
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. (VA)

Dear madam/sir, I am writing you to report the company XXXX XXXX XXXX ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (WI)

I have disputed the medical debt several times. At least 5 in the last year. The debt is not mine. It belongs to my ex husband. It's even in his name. But it is showing up on my report. I have had state insurance for the last 4 years and I have XXXX medical debt. This does not belong to me and it's affecting my credit. I want it off. I do not pay his bills.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (NY)

I received a letter dated XX/XX/2022 from Coast Professional , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX stating that I owe {$95.00}. I have no clue what this is. I do not owe any money to any type of company or organization, private, state, or federal. I emailed them this statement as well, and I will be mailing them and leaving a voicemail about this also.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-12
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts and inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Hi, My name is XXXX XXXX. 

ARS Account Resolution has contacted many times. I advised this company via phone to cease and desist last year XX/XX/2021. I even mailed a letter following that on XX/XX/2021. I do not owe this alleged debt. I have requested for this company to provide proof of such debt and they have failed to do so. I demand that this removed from my credit profile.
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.