davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and TransUnion has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.
Consumer complaint received 2021-10-02
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)

Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}. 
Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit. 

On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX. 
So I decided to return one pair. 

On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}. 
On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund. 
I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again. 

Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,
Consumer complaint received 2021-10-02
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: Chime Financial Inc (VA)

Chime opened up a debit card in my name when I instead applied for a credit card only. They took my personal information and opened a debit card. They are saying on their app that I have to enroll in direct deposit to apply for a credit card, which was not stated in the original application process.
Consumer complaint received 2022-10-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-26
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. (MN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXXXXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXX ll XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.
Consumer complaint received 2021-10-02
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. (IN)

On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (MD)

Experian and XXXX has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.
Consumer complaint received 2021-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I had a vehicle loan with Santander consumer USA. In the last 2 year during pandemic I had hard time to pay my loan but I used inherited Money I received and paid them off. They still reported to credit score companies after I told them I am out of my job for the pandemic and I was on unemployment benefit. I also was in hospital and had some operation XXXX XXXX XXXX XXXX which kept me farther out of job. I was also infected with XXXX XXXX  which had to isolate with severe symptoms which made me unable to work also
Consumer complaint received 2021-10-02
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. (CA)

on XX/XX/2021 I sent in my dispute letters. XX/XX/2021 I made a compliant with all the laws the bureau was breaking. XX/XX/2021 I received a closed status on my complaint because the bureau said I needed authorization. I called XX/XX/2021 on a recorded line and they told me that fact is false. I want to create another complaint that they're violating 15 US CODE 1681a. False investigation on consumer reporting of character.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Resurgent Capital Services provides me with competent evidence that I have any legal obligation to pay them. I am asking Resurgent Capital Services to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my WET signature stating that I have agreed to assume the debt. 3. VALID copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the Statue of Limitations has not expired. 5. Complete payment history on this count along with an accounting of all additional charges being assessed. 6. Tell me that you are licensed to collect my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Resurgent Capital Services immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that Resurgent Capital Services agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Resurgent Capital Services agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2021-10-02
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. (CA)

on XX/XX/2021 I sent in my dispute letters. XX/XX/2021 I made a compliant with all the laws the bureau was breaking. XX/XX/2021 I received a closed status on my complaint because the bureau said I needed authorization. I called XX/XX/2021 on a recorded line and they told me that fact is false. I want to create another complaint that they're violating 15 US CODE 1681a. False investigation on consumer reporting of character.
Consumer complaint received 2021-10-02
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 am filing the complaint against XXXX, Experian, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2021-10-02
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. (TX)

I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This credit bureau is saying that I have two late payments on my XXXX account. Although my credit score is good this false late payment account is causing me to be denied. When I look at the XXXX account they are reporting two late payments from, They continue to deny my dispute and they dont take me seriously. I have never had aa late payment with my student loans. My loans have recently been forgiven as well. They seem to have separate each loan account and not put it into one. This is hurting my credit for credit because it says two late payments. The truth is I was always on an income driven repayment plan with XXXX. Even before my student loans were forgiven the balance was {$0.00}. When I try to call or dispute online they always give me excuses. this isn't a valid late payment and is an error. I am not sure why this company has this as late as that is untrue and very unfair. I have tried to fix this to no resolve and they refuse to help.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This complaint is over 120 days and should be removed from my credit report because based on the fair credit report agency anything over 30 days or 45 days is noncompliant and must be removed from my credit report
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a problem with unauthorized transactions or skimming from my account. This has occurred on various occasions especially when I am out of town on vacation. In XXXX, when I went to XXXX, I added about {$2500.00} to my account while in XXXX as my account was low. Within a day or so, the money was depleted and my phone was lost twice, the second time unrecovered. I filed a report with the casino I was staying with concerning the lost/stolen phone and missing funds. The same thing occurred upon a trip to XXXX ; due to low funds, I added {$400.00} to my account yet the balance remained low not due to any purchases on my part. I booked the hotel through XXXX at a rate of {$470.00} for the weekend. The hotel charged {$570.00} and when I went to XXXX, it appears that they charged {$570.00} also. Recently, I lost my phone again at a local grocery store and when it was recovered at the store, several unauthorized transactions were discovered and a legitimate charge was bounced from my account with a {$35.00} fee. When I went to my mobile account, I discovered other charges which were not listed previously when I reviewed my account and my mobile account would not permit me to see antecedent charges to reconcile my account. In prior years, I have surmised monies missing from my account in the amount of {$15000.00}. I know I had not requisitioned the amount from my XXXX as I had just commenced social security payments. I went to the Banking Commissioner and filed a complaint, to the police department, my accountant and the bank -- to no avail. I received printouts on my account at the bank on each occasion and was not able to ascertain where the money went. Thus, I believe that skimming has been occurring in my account in the past, but more abundantly this year. It has caused stress. missed bill payments, overdrafts with fees and the lack of enjoyment of vacations -- especially in XXXX where we enjoyed no high end restaurants, shopping or shows and very little gambling went on after the first night because the funds were missing. Hopefully, your agency can assist in this matter as if it occurs in my account to the extent which it has. larger accounts may suffer massively if they are not as attentive to their account as I am. Thank you in advance for your assistance.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call dept of education and was advised that my discharge status is in good standing and provided me a letter from dept of EDU. The dept of EDU said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from Dept of EDU stating of the incorrect information being reported.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc. (MA)

XX/XX/XXXX {$4400.00} The financial institution put a hold on my account since XXXX of XX/XX/XXXX the and Ive been calling the security team since then but theyre ignoring my calls.
Consumer complaint received 2021-10-02
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. (KS)

There are atleast 3 fraudulent accounts in my name still being reported by Transunion & XXXX I have provided identity theft documents several different times to XXXX & Transunion to inform them of the fraud to no avail.