davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (TX)

Collection company is attempting to collect a debt for which I do not owe them. Nor have I made any agreements or done anything for them to believe that I owe them anything, Moreover, they placed these erroneous debts on my credit profile several times before and they keep removing them and adding them at a later date. This has to stop! I believe its criminal at this point because they are intentionally trying to destroy and lower my credit score by submitting alot of collection notices on my credit report.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

target put unrecognized transactions on my account, now they want me to go through a security survey through the post. 

I disabled online services and now can't manage my red card. 

they asked for the last 4 digits of my drivers license. information I've never given before. 

a target representative named XXXX. 

I sent another email.. 

I added screenshots of my order history and sign in history. 

the unrecognized transaction was on XX/XX/XXXX I've had to spend 10 minutes on the phone to a paid employee practicing unnecessary data retrieval. 

I'm about to travel and don't have time for target to be filling my post box. 

I want to end all mail communication with target.
Consumer complaint received 2020-06-11
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. (CA)

A dispute was filed with XXXX  XXXX  and Equifax ; but after the investigation only XXXX   removed the account from my credit file. XXXX  and Equifax still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My wife and I have two credit card accounts with Chase bank under the Southwest Airlines Rapid Rewards program. We wanted to close one of them. 
I spend about two hours on the Chase bank website and downloaded and read the entire " Terms and Conditions '' of the credit card contract ( attached ) and could not find ANYWHERE what I needed to do to close the account. 
Just FYI, I am an attorney. It is very basic contract law that the contract include how either party can terminate the contract, but the Chase bank " Terms and Conditions '' of the credit card contract does not include any information about how a consumer can cancel or terminate their credit card.
Consumer complaint received 2020-06-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit Acceptance have been paid in full however, they are reporting inaccurate information on my credit report and it needs to be removed. The company sold me a car that did not last 3 months and the vehicle broke down. The company has contacted me with misleading in wrong information and has violated my consumer rights. Due to this account and it's inaccurate information, this is hurting my credit report.
Consumer complaint received 2023-01-06
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: Specialized Loan Servicing Holdings LLC (CA)

I've contacted SPEC LOAN SV XXXX XXXX told me I've never missed a payment, yet XXXX and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEC LOAN SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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. (AZ)

I disputed multiple inquiries on my Transunion report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-02-28
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. (LA)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-04
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: CITIBANK, N.A. (PA)

On XX/XX/2020 I applied for a Sunoco fleet credit card for XXXX under the XXXX I own, XXXX XXXX XXXX XXXX. I used my XXXX name and EIN number for the application. The application did require my name, address, percentage ownership of the company and social security number but since I was applying for a Sunoco fleet credit card, I used the EIN number for the business and not my social security number. Soon after applying, I received an alert from XXXX XXXX that an inquiry hit my personal XXXX  report. I'm not even sure how that's possible when I entered an EIN number and not my social security number. In addition, once you enter the EIN number, it gets encrypted so you can't even take a screen shot to prove you entered an EIN number. It also doesn't take you to a summary page, like most applications, to review the data before submitting. I want this inquiry removed from my personal XXXX   report as this is quite, if unintentionally, deceptive.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: KEYCORP (ID)

I have had a Keybank credit card since XX/XX/2012, I have always paid my payments and my credit limit has always been {$2000.00} but after I made a {$1000.00} payment towards my card they decided after looking at my credit score which I didn't authorize they lowered my credit line dramatically and posted to my credit score about it which lowered my credit score. I talked with Key bank and they said it's what happens when you look like a risk factor and me paying the large amount made them look into me. I want my credit limit back to {$2000.00}
Consumer complaint received 2020-06-11
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. (CA)

A dispute was filed with Transunion XXXX and XXXX ; but after the investigation only XXXX  removed the account from my credit file. Transunion and XXXX still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.
Consumer complaint received 2020-06-11
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: Atlanticus Services Corporation (TX)

I disputed late payments with Fortiva on several occasions without any results from Fortiva for the 3 major credit reporting agencies. I called Fortiva on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Fortiva was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did Fortiva provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months Fortiva is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Consumer complaint received 2022-01-26
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. (TX)

I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-04
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: GreenSky, LLC (IL)

We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was a victim of a scam. A seller pretend to be a XXXX seller with which I paid him via XXXX. This seller turns out to be a small electrical company out of Maryland. The transaction was for {$4300.00} When I tried to contact the Bank to submit a claim, I was diverted to the online site. I submitted the claim, I submitted the wrong amount {$20.00}. I called the bank the next day and they advised me to just cancel the claim and resubmit. 

I was informed that the claim was fine and yesterday they told me I am not eligible and they have not done anything to process the claim. Since I submit the first claim. Again, I called them the next day after mistakenly submitting the wrong amount and they advised me to cancel and resubmit. I am doing this based on their advise. 

I have been a bank of Chase bank for 30 years and a private client. I will move all my accounts to another institution. I don't feel like they are looking out my best interest. I like to see if you can assist me in retriving this fund for a fradulent activity
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (WA)

I received a Writ of Garnishment and it said I had 28 days to respond with either an exemption for garnishment or a dispute. I was going to send in the exemption because I owe child support, plus take care of my 4 children and wife in my own home. The following day after receiving the documents I found out my check was already garnished! I didn't even get a chance to turn in the exemption before they started the garnishment. I sent in the letter anyways and by this time I had gotten another garnishment of my paycheck. I dont even know what this debt is for. It says no where on the paperwork what it is and who it is for. Just Allianceone Receivable. I am trying to save money because of the COVID-19 shut downs. I am losing my job soon, this couldn't have come at a worse time. I turned in the Exemption form and they are threatening me with more attorney fees and charges if I don't withdraw my claim.
Consumer complaint received 2024-01-10
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)

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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Harley Davidson Financial Services Inc (TX)

I received an credit alert from XXXX that a hard inquiry was performed by XXXX XXXX XXXX XXXX on or about XX/XX/2024. I inquired about this with XXXX XXXX XXXX XXXX, but to no avail, I received the run around and denials of course. This is now on my credit report and I want it removed. This unauthorized inquiry has lowered my XXXX XXXX unnecessarily.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express prepaid Gift card company I have reading today not to use them, just saw it or I would not have. 
I just reported American Express -they seem not to care thief recordings are not right and now they hire people who can not speak English very well before I could put my order in on their card the money was stolen, and American Express states they can not help
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from Bank of America saying its paid in full. It is still showing on my credit report as open and Bank of America will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is XXXX XXXX and I am submitting this complaint myself. 

Transunion is reporting inaccurate information about me and it is hurting my reputation through defamation. I am unable to do what I need to do to take care of myself because Transunion keeps violating me daily. 

First of all, my name is a variation of my actual name that is being reported by Transunion. My name is XXXX XXXX XXXX not XXXX XXXX XXXX 


Accounts Capital One/Walmart, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurately and without permissible purpose. 

There was no written instructions given directly to Transunion to report ANY information about me or experiences or transactions amongst myself, the consumer or another person. A consumer report excludes experiences or transactions between a consumer and person. Unfortunately Transunion is in fact in violation per the Fair Credit Reporting Act. 

Furthermore, the following hard inquires, there are no accounts in my name with ANY PERSONS LISTED BELOW and I DO NOT KNOW WHERE THESE INQUIRIES CAME FROM so I AM DEMANDING THAT THEY must be removed and deleted immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.