davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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: AMERICAN EXPRESS COMPANY (GA)

Please be advised I contacted XXXX XXXX via phone XX/XX/2022, also followed up XX/XX/2022 via certified letter advising XXXX XXXX I haven't autorized anyone from XXXX XXXX access to my credit report they advised myself that they would correct the issue as of XX/XX/2022 this item is currently on my credit report. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-07-25
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. (DE)

My complaint is with Experian Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Experian is reporting. Experian is reporting my account as late on my monthly payments and shows XX/XX/XXXX. My payments for child support come out of my check weekly. I am submitting this once again Showing that all payments were on time and are current on monthly payments. Experian says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back months later. It has hurt my ability to obtain credit. I have filed complaint with Experian 3 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time with payment dates. which means they didn't verify it as true. And these documents are admissible in a court of law. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once again if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/XXXX with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATIONXXXX 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.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.
Consumer complaint received 2022-05-28
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION INQUIRIES : 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  Balance {$240.00} UXXXX XXXXXXXX Balance {$110.00} INQUIRIES : 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 XX/XX/XXXX XXXX INQUIRIES : 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 2019-03-25
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. (CA)

On Saturday.XX/XX/XXXX I received a XXXX XXXX Equifax Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, Equifax hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XXXX XXXX XXXX was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX  deleted the bankruptcy from my credit report.
Consumer complaint received 2017-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion had a computer glitch which caused inquiries to be deleted from my credit report and then later added back to my credit report without giving me the legally required notice 5 days prior to re-adding them. I contacted TransUnion in good-faith on XX/XX/XXXX and asked that they remove these inquiries. They did not remove them. These inquiries are a hardship and were illegally added again. My rights have been violated and I am being victimized by TransUnion. I am asking that you help me resolve this matter by requiring Transunion to remove all hard inquiries on my credit report from XXXX and XXXX.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HAMILTON GROUP FUNDING, INC. (NY)

Started with a debt collection letter on XX/XX/19 stating I owed {$87000.00}. XX/XX/19 debt collection letter stated I owed 3 months of mortgage payments. I called the Collection Agency XX/XX/19 and gave them the check # 's and dates paid and dates they cashed them. From what I am told, Hamilton Group Funding does not keep the mortgages and outsources them. I also had sent an {$80000.00} payment in XXXX to be applied to the principal.The new company is " XXXX '' located in Illinois. I have received several " Harassing '' phone calls from debt collectors demanding that I make payments that I have already made. I am now being told in a phone call XX/XX/19 by a supv named XXXX that I am behind 1 month. I emailed them ( XXXX ) a statement from Hamilton showing payments they received thru XXXX. On a phone call today with XXXX, I requested a payment history and phone calls and was told I need a subpoena to get my records. I am concerned that they have submitted my name to the Credit Bureau and also charging me late fees. I have copies of all the checks both front and back showing they received and cashed in my payments.I am a senior citizen and have found dealing with this company very stressful. My XXXX XXXX is off the wall. I call and ask for supervisors but they never let me talk to one.
Consumer complaint received 2020-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.
Consumer complaint received 2022-05-28
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. (NY)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 TRANSUNION : INQUIRIES : XXXX XX/XX/2022 XXXX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
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. (GA)

I filed a complaint against XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022 citing XXXX due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to XXXX requesting they remove " PUBLIC RECORDS '' from my credit report. XXXX has refused. 
XXXX has refused to removed " PUBLIC RECORDS '' stating they ( XXXX ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
XXXX has advised myself they ( XXXX ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with XXXX not removing the " PUBLIC RECORDS. ''
Consumer complaint received 2022-05-28
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. (GA)

I filed a complaint against XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022 citing XXXX due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to XXXX requesting they remove " PUBLIC RECORDS '' from my credit report. XXXX has refused. 
XXXX has refused to removed " PUBLIC RECORDS '' stating they ( XXXX ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
XXXX has advised myself they ( XXXX ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with XXXX not removing the " PUBLIC RECORDS. ''
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION (NC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I disputed the payment status of my loans through Nelnet because they show 90 days late in XX/XX/2022 and 120 days late in XX/XX/2022 but my loans were in deferment effective XX/XX/2022. After my dispute these loans are still showing with late payments.
Consumer complaint received 2022-05-28
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (MD)

This is a re-sold debt to the debt collectors so they are rude and they violate every law out there, this item has been disputed many times and removed now this debt has had and has bought it from someone else, XXXX XXXX XXXX has not supplied any documentation for this debt no matter how many times I have disputed, they have violated LAW CODE 1681 N
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. (PA)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

Someone fraudulently applied for and opened an America Express credit card using my personal information. I have never applied for an America Express credit card. The following American Express credit card application reference number : XXXX is a fraudulent application. American Express is holding me liable for a fraudulent account and credit card application thats not mine and dont belong to me. I have excellent credit and want to apply for an American Express credit card, but American Express is discriminating against me and trying to hold be liable for a fraudulent American Express credit card and credit card application.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (CA)

Wakefield and Associates is attempting to illegally collect a balance bill medical debt in contravention of XXXX. Despite repeated warnings to both XXXX XXXX Wakefield 's client ) and Wakefield representatives, the debt collection activities have continued.
Consumer complaint received 2022-05-28
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I have a HSBC credit card ( card number : XXXX ) since XX/XX/XXXX and have been using a checking account on the HSBC credit card profile to pay min balance with no problem every month since XX/XX/XXXX. I decided to pay off my credit card before XX/XX/XXXX so I could avoid interest charged on my credit card so I decided to use the exact checking account on file. 

However, it is showing " processing '' for several business days before it shows it is " RETURNED CHECK '' and I was also charged {$25.00} return fee per transaction. In addition, I need to pay interest on the balance because HSBC decided that the payment is " RETURNED '' even though I have used the exact checking account to pay my credit card for almost 2 years. 

I am very upset about what they did and contacted HSBC several times through online chat and over the phone. Online chat told me the payment is being processed no don't worry about it and over the phone, representative told me that they can't waive the interest on the balance. 

I had no choice but submit the complaint.
Consumer complaint received 2022-05-28
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: CITIBANK, N.A. (GA)

I reached out to XXXX XXXX XXXX XX/XX/XXXX, I advised XXXX XXXX Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call XXXX XXXX Bank, I explained to XXXX, I contacted XXXX XXXX Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting