davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial CORPORATION (NC)

On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.
Consumer complaint received 2022-02-24
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. (FL)

On XX/XX/XXXX I have mailed 3 certified letters to XXXX, Transunion and XXXX to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is to express my deep dissatisfaction with the inefficiency and lack of effectiveness in addressing the presence of fraudulent items. Despite numerous attempts on my part to remove these items, I have encountered significant delays and obstacles, which are unacceptable given the severity of the issue. 

As a responsible user, I have invested considerable time and effort in flagging these fraudulent items, expecting a swift and decisive response from your team. 

I demand immediate and expedited action to remove all fraudulent items from my credit file. This includes implementing more robust measures to prevent their reoccurrence in the future. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent its recurrence. 

Furthermore, I urge you to review your current procedures for handling reports of fraudulent activity and streamline the process to ensure that such matters are dealt with promptly and effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XXXX XXXX, I looked at my credit report because it said that I had a new hard inquiry. I did not do an application for a Capital One Credit Card. I let them know that. On XX/XX/2002, Capital One called me and then they informed me that they are going to mark it as fradulent. They asked me what state I lived in and I told them XXXX. They said oh. I asked, I'm guessing that that is not what is on there? They said they couldn't tell me. But he slipped and said no. I asked if it was XXXX, he just made a noise. I am suppose to ask the police department if they can get a copy of the application, because I am not allowed to.
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

Hi, I visited the XXXX XXXX ER on XX/XX/2020, with complications due to having a XXXX. They were unable to do anything for me, but I did submit my Medicaid information to them on that date. I also submitted the information again on XX/XX/2020, to the billing department. Around XX/XX/XXXX I received a bill for the services rendered, showing no insurance information. I emailed the billing department and let them know, they advised me NOT to pay and that they would correct this issue. I also called multiple times and talked on the phone to the billing department, and they again told me do not pay it, they would fix it. They never billed my insurance for the charges, which were about {$1600.00}. Instead it got sent to a collections company called Medical Data Systems. It is also listed as an OPEN ACCOUNT on my credit report. I've tried to dispute the collections account many times, but it will not come off. I don't feel that I am responsible for these charges, as I had FULL COVERAGE MEDICAID while in the hospital and after the hospital stay and submitted that information to them multiple times.
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc. (CO)

I became extremely sick in college a few years back. I had to go and get many test done to figure out what was wrong with me. i paid off every single bill that i had accrued because of this sickness. Almost {$10000.00} dollars. I never remember receiving communication from the hospital in regards to a bill that i had owed. otherwise, i would have had no problem paying this. It must have slipped through the cracks with all the mail i was getting. I paid the debt off instantly as soon as it went to collections. I tried to call the bank to get it removed and they wouldn't help.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I inadvertently made a double mortgage payment, one manually and one threw automatic withdrawal. I have spoken for hours to at least 4 representatives explaining the situation and requesting reimbursement for one of the payments. They requested an unreasonable amount of information to process a reimbursement, however, all of the information requested was provided by my bank twice. I finally spoke with a representative on XX/XX/XXXX that said they had all of the information required and initiated the return of the second payment. I thought the issue was resolved until I received another phone call on XX/XX/XXXX, where yet another representative said that they did not receive the required correspondence. I would appreciate any help in resolving this matter.
Consumer complaint received 2020-04-09
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX/XXXX XXXX XXXX {$300.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX/XXXX XXXX XXXX {$300.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, I applied for an American Express XXXX Card with an intro offer of receiving XXXX membership rewards points after spending {$4000.00} within 6 months. 

In the month of XX/XX/XXXX, I met the spending requirement of {$4000.00} within the 6 month timeframe. 

On XX/XX/XXXX, I contacted American Express to inquired about the XXXX and was told " I'm sorry, the welcome bonus offer is declined on this card account. '' and " that The eligibility of the welcome bonus depends on various cards you've had with American express. It's considered as a one time incentive who are joining the American express for the very first time. Generally, this information is provided at the time of card application in a pop up. '' I told the Amex rep that I never received the pop-up to warn me of such. The Amex rep then opened an investigation on my behalf to find the real reason for my denial. 

On about XX/XX/XXXX, I reached out to Amex for an update and was told that my welcome bonus was denied because I also have an Amex XXXX card. I was never informed that having another card would deny my ability to qualify for introduction bonus rewards. I submitted a complaint to Amex and was told that nothing could be done to reverse this action. I believe that this practice by Amex is unfair as I have never been an Amex customer in my life and now have a hard inquiry due to the credit application for the Amex XXXX card.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

WAS GIVEN A BALANCE TRANSFER OFFER FROM CHASE FREEDOM CARD AND APPLIED ON LINE AND RESPONDED TO THE OFFER WTHIN THE ALLOTED TIME.. WE HAD AVAILABLE USABLE CREDIT ON THE CARD OF {$11000.00}. WE INDICATED THE TRANSFER IN THE AMOUNT OF {$9000.00} TO BE TRANSFERED INTO OUR XXXX XXXX ACCOUNT. 
AFTER A WEEK THE FUNDS WERE STILL NOT TRANSFERED. WHEN WE INQUIRED WHY THIS HAD NOT BEEN TRANSFERED, THEY HAD NO OFFICIAL REASON AND HAD NOT INFORMED US OF ANY PROBLEM OR REASON OR SITUATION EXCEPT IT WAS JUST NOT DONE!!! ..SLIPPED THROUGH THE CRACKS. ETC ETC ... AND WE DO HAVE PERFECT CREDIT! 
SO CHASE MADE THE OFFER AND DID NOT DELIVER WHAT WAS PROMISED!!! ... THIS IS DEFINITELY NOT OK!!! ... ESPECIALLY TO NOT INFORM US, AND WHEN WE ASKED THEM TO CORRECT THE PROBLEM THEY INDICATED SORRY, ... THE OFFER TIME HAD EXPIRERED .... '' ARE YOU KIDDING??? '' WE WERE DEPENDING ON THIS OFFER ESPECIALLY WITH THE COVID-19 SITUATION ... .BECAUSE OF THEIR ERROR WE ARE CURRENTLY THE EFFECT!!! 
THIS NEEDS TO BE CORRECTED!!!
Consumer complaint received 2020-04-09
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. (PA)

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$250.00} These accounts were removed and I have proof ... and I was not notified that they would be put back in my files ... notification is required by FCRA law ... 

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.
Consumer complaint received 2022-02-24
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. (MI)

They had XXXX late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect
Consumer complaint received 2022-02-24
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. (MI)

They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I received a call from National recovery agency about two unpaid records. And I have all records on my end. I told them what they have is wrong. and then they keep calling me and sent me a mail. Of these two unpaid records, the one on XX/XX/2018 is not existed ; the other one on XX/XX/2018 is a mistake. When we visited the provider on that day, we give the wrong insurance card. and we later update them with a new insurance card. I personally visit XXXX XXXX XXXX financial department and they said the problem is solved and told me not to worry about the wrong bill. 

I have no idea how the National Recovery Agency gets these wrong and outdated information and tried to blackmail me. but please help me to stop them from doing this. 

thanks.
Consumer complaint received 2020-04-09
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. (FL)

XXXX  and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again transunion has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XXXX. XXXX, XXXX