davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
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. (NE)

XXXX XXXX, I signed up for XXXX and immediately noticed credit inquiries on my report which I did not authorize. I called and spoke to a customer service rep and she stated I needed to reach out to the credit card company myself. Although I did n't agree, I did and XXXX stated the report would be sent to Transunion and check back in 10 business days. Now, four days ago, I received an alert from XXXX stating there was another credit inquiry for a mortgage. I called and spoke with a representative and stated I needed to call this company. I asked to speak to a manager, as I explained both times I was previously a casualty of identity fraud as a result of my car being stolen and all paperwork with ALL of my personal information stolen. I spoke with a manager, XXXX XXXX, and he stated they ca n't accept my " word of mouth '' ( XXXX P.A.  location ) I then asked about putting a fraud alert on my report to stop future inquiries and he stated it would n't guarantee future inquiries since its always my word against the companies. I want inquiries from my report removed immediately : XXXX Inquiry from XXXX XXXX, XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX BELOW COMPLAINT I LEFT ON WEBSITE : XXXX/XXXX/XXXX I 've called and talked to 2 different CS reps about fraudulent inquiries on my credit report. I explained my identity had been stolen previously and I did not make these inquiries. Only to be told that my complaint is " word of mouth '' and the inquiries ca n't be removed without the consent of the company I never had any contact with. This company is an absolute joke and so is the CS rep XXXX XXXX in XXXX, P.A.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

HARVEST ASSOCIATES INC is attempting to collect debt not owed to company. I have attempted o contact numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe {$1900.00}.
Consumer complaint received 2022-12-19
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. (PA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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
Consumer complaint received 2017-12-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WI)

XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

I created a dispute with Cash app on XX/XX/2023 for incorrect amount. Per regulation e, a temporary credit or resolution must be provided in ten business days. Today XX/XX/23 is day ten, they have not given me any updates or a credit and when asked are refusing to address or provide a status.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (FL)

We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached. Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}
Consumer complaint received 2022-11-08
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. (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. 

FOR 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or experian it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CO)

I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a card my husband is an authorized user I can’t get them to report it to trans union or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.
Consumer complaint received 2022-05-26
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: Professional Placement Services, LLC (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

My information was negatively impacted by the XXXX XXXX XXXX. There are accounts that does not belong to me nor did i open the accounts. Due to the data breach my personal information got into the wrong hands. I've also attached proof that I was a victim of the XXXX XXXX breach and also received a settlement because my credit was negatively affected.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

My XXXX XXXX ( XXXX ) shows 4 inaccurate at fault claims from my auto insurance over several years. This has put me in a high risk insurance catagory and has inflated my insurance costs. I have called my previous Auto insurance provider XXXX XXXX and the have sent me letters with the correct information stating No fault for these dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When Ever I try to shop for Auto insurance they refuse to quote me stating I have to many accidents or I am un insurable with there company. I had a auto insurance company send me an e-mail showing what sows up on the XXXX report. The information in false and has ruined my ability to get normal auto insurance. I have called 5 times and have had no answer. I have requested report and dispute paperwork.
Consumer complaint received 2024-04-05
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I purchased an item. After the seller agreed to a return/refund, the product was returned. The Seller decided it was easier to keep my money and deny the package. The package was returned unopened upon receipt at the post office & there is proof of it being properly shipped out but denied by the seller. I bank with Chase because I thought they were FDIC insured and would protect me from fraudulent activity. I have been a customer for 20 years without any open claims. They could care less and kept stating " XXXX  is the one investigating this '' XXXX  Im a customer of Chase, not XXXX. Shockingly bad business.
Consumer complaint received 2022-11-17
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. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i modified my loan around XXXX  and now the bank is telling me that after XXXX years i will have a balance of XXXX XXXX, i bough the house for XXXX XXXX and been paying this house for XXXX  years and i still have a balance of XXXX XXXX.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TN)

Bridgecrest sent me an email XX/XX/XXXX to remind me to make a payment before XX/XX/XXXX to avoid having a delinquent mark on my credit. I made the payment XX/XX/XXXX but today XX/XX/XXXX I received a late payment mark on my credit. I spoke with XXXX in collections and she would not let me speak to a supervisor or speak to anyone else for assistance. They need to be investigated.
Consumer complaint received 2019-08-01
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. (WA)

Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX XXXX - I am not late on the month it shows on the report 4. ) XXXX  XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ XXXX ]
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under any, open end consumer credit plan as late for any purpose.