davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (TX)

XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed CBNA CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX Financial Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A check in the amount of XXXX was deposited into this account On XX/XX/XXXX. Our company name was XXXX XXXX XXXX. Our trade names are " XXXXt '' and " XXXXf XXXX element ''. The landlord wrote the check to one of our trade name " XXXXt ''. 

Unfortunatelly that's where went wrong with this bank. they put a hold on the money right away and said they are doing fraud investigation. They never asked any material from me and every time i called, they would say it should be done soon. 

Then suddenly on XX/XX/XXXX. The money was withdrawn from my account and my account was closed. they didn't even give me any clue where the money went. they just say it is their policy the money was sent bank to the original landlord. the landlord didn't receive them at all as recently as XX/XX/XXXX. 

They behave so badly that every time I called, they just repeated the same answer. the money was returned to landlord but they don't know how and when. 

Landlord said they don't receive it, I am just a hopeless regular person who spent over XXXX XXXX asking for his own money. I really wish someone who know the case to sue them for their reckless and careless act. 

Please request all the video records that I had with them. I am very polite while they just treat people so unfairly, especially towards minorities.
Consumer complaint received 2022-12-28
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2021-12-20
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. (VA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-03-18
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. (CA)

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.

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 2024-03-18
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. (FL)

To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2020-04-10
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. (CA)

Upon review my credit report, there is an error reporting in my credit files. unauthorized false information report by XXXX XXXX XXXX. I have reach out and have resolve the mistake.
Consumer complaint received 2021-12-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (NJ)

I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. 

See attachments.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (FL)

I had a balance due to Upgrade , Inc. when I filed for personal bankrupcty protection on XX/XX/XXXX ( XXXX XXXX ). My debt to Upgrade Inc. was discharged when my bankruptcy was discharged, and my other creditors began correctly reporting the status of my accounts to all 3 major credit bureaus. Upgrade was so slow to change the reporting, that I had to dispute the debt with the credit bureaus and Upgrade , Inc, to have it changed to the appropriate status of discharged in bankruptcy and {$0.00} balance. Throughout XXXX, however, Upgrade Inc has changed the reporting of my closed account several times with the different credit bureaus without provocation or reason. I disputed the changed reporting ( status, amount, etc, were even reported differently at different times by Upgrade , Inc ). In XXXX and XXXX, XXXX, they began reporting to 2 of the 3 credit bureaus a total amount that is far more than I ever owed, and showing part of it charged off and part of it still owed and very late. They also added derogatory history back to XXXX, as well. I have attempted to contact Upgrade Inc, but there is no one I can talk to that handles credit bureau reporting at that company, and when I dispute with the credit bureaus, the company seems to retaliate by adding additional derogatory info. I need help getting Upgrade Inc to correctly report by discharged debt to all 3 credit bureaus before it hurts me financially and in my career.
Consumer complaint received 2021-12-15
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. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2020-04-10
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. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

XXXX 2021 Past-due bills from original creditor received. Never an original bill received. Calls to the number provided resulted in unreasonable long waiting times and I was never able to reach a human operator to discuss the nature of the bill. 
XX/XX/2021 Company Credit Collection Services ( CCS ) contacted me about a debt they are trying to collect. No supporting information was send with this collection notice ( CCSXXXXf ) XX/XX/2021 I responded to this request in written form asking for more information. I'm specifically interested into the original bill of the original creditor. Due to me only having one interaction with this company, it would be easy to determine if the requested amount is valid ( which I think it's not ). 
In this communication it is stated that the debt is disputed. ( XXXX XXXX ) XX/XX/2021 CCS responded but failed to provide the original bill, instead they send a past due notice of the original creditor. ( CCSXXXX ) XX/XX/2021 I responded asking specifically about the original bill and all associated transactions of my account with original creditor. 
XX/XX/2021 CSS reported this disputed debt to the credit bureaus. 
My complain is that CCS should not report a disputed debt and that CCS could not provide even the minimum asked for of information to support their claims.
Consumer complaint received 2020-04-10
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. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I applied online to Cabelas for a card. They sent me information in the mail saying I had to send a copy of my social and drivers license through the mail. I told them no on the phone. I asked if I could go in and finish the application they told me no. I had to redo it at a local store because you can't finish an online application locally. I was also told they had someone locally that can verify authenticity of drivers license and social there. " right ''. I said ok cancel this application. I went in to a local Cabelas which was XXXX hours from me to apply then they made me do the same thing. Send in social and id. This time they sent me an electronic submission option. That did not work. I called in 3 times and they did not even receive the information and could not say why. Extremely poor handling of confidential information.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In the case of all three credit reporting agencies ( XXXX, XXXX, and Equifax ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX. My social security number is XXXX. I have a account loan with Chase bank. On XX/XX/2022, I made a cash payment in the amount of {$440.00} in a Chase Bank ( branch number XXXX ) for the not the XXXX, XXXX  car payment. However, I received a letter in the mail stating I owe a balance of {$320.00} for the month of XXXXXXXX XXXX. Another letter was mailed to me for the month of XXXX, XXXX stating the balance I owe is {$540.00}.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (CA)

In XX/XX/XXXX I submitted a dispute for a collections account that appeared on my Equifax Credit Report for XXXX XXXX XXXX, original date of collection XX/XX/XXXX. I have yet to get the results of this dispute. According to my credit report it states that the dispute " reinvestigation is still in progress '' however this has been ongoing for the past 6 months. I have attempted to contact Equifax and they stated that this dispute has been resolved but I am unable to dispute the results of the investigation if I do not know what those results are. I do not believe that this debt belongs to me but it has been listed on my credit report and I am unable to resolve the matter with the credit bureau.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In the case of all three credit reporting agencies ( XXXX, TransUnion, and XXXX ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru Experian, whom I pay a monthly membership to help with these things. The dispute has been resolved and XXXX reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to XXXX 's purposeful fraudulent reporting. Experian states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that Experian is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against XXXX and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to XXXX 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that XXXX insists are mine. I have asked XXXX repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MD)

Test transactions ( two credits and one debit ) by an external bank ( XXXX XXXX  ) have been counted towards the 6 withdrawals limited by the 204, Regulation D. 

Because of the limit, the automatically scheduled credit card payment at XXXX XXXX  was blocked ( due to limitation ) and the unsuccessful withdrawal assessed a {$29.00} fee by XXXX XXXX. 

Test transactions initiated by external banks should not be counted towards 6 withdrawal limit since those are not withdrawals authorized and/or initiated by me as defined by 204, Regulation D.
Consumer complaint received 2020-04-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Turning Point Solutions LLC (OH)

I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights