davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (GA)

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

To whom it XXXX concern, I received my annual credit report, and to my surprise this account is reporting completely inaccurate information that's hurting my chances to be proud to purchase my first home, my EXPERIAN REPORT # XXXX ACCOUNT NAMED " XXXX '' XXXX  WHICH IS REPORTING ( XX/XX/year> ) COLLECTION / CHARGE OFF WITH A " PAST DUE " AMOUNT OF XXXX AND XXXX XXXX IS REPORTING SOMETHING ENTIRELY DIFFERENT THEY ARE REPORTING THIS ACCOUNT SHOWS " OPEN '' MY UNDERSTANDING OF THE FCRA THAT THIS MISINFORMATION IS ILLEGAL AND NOT REPORTING FAIR WITH ACCURACY, PLEASE REMOVE FROM MY CREDIT REPORT immediately and upon deleting please send me a new copy of my credit report that reflects this matter deleted from my account of this inaccurate reporting!
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AppFolio, Inc. (CT)

This Company is portraying to be the property management/ maintenance provider for the condo complex I live in.

4 plus years Ive been submitting maintenance requests which I was charged higher condo fees on my app. Page for and I was never notified 4 months ago my condo fee went up again. 
When I call this Company to make a Mai thence request they tell me they do not maintain any maintenance at the property I live at. When I do call this number nobody is aware of any property maintenance crew. 
My fees go up and I seem to never be aware by email, by a postal letter, etc. 

They claim to maintain the property but there is no maintenance crew for this property.
Consumer complaint received 2023-07-28
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 (MA)

Capital one card was issued and activated ; on my information without my knowledge right now the balance on the card ending with XXXX is {$200.00}, I never had this card, or activated or used it ... .on calling the customer service XXXX, after long delays, I was told by XXXX senior supervisor, some kind of member ship with BJ 's was renewed for {$55.00} rest all is interest and fines. but I have moved from XXXX to XXXX  more than a year back, and I have not been to any BJs in last 18 months. this membership renewed without consent. and i never had this credit card of capital one. 
please investigate and penalize them for this business practice.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Hello, I have inquired about the cash advances fee that was charged to my credit card in XX/XX/XXXX, and I was told it is regarding a cash advance made on XX/XX/XXXX, in the amount of {$43.00}. I have paid the fees monthly since XX/XX/XXXX and I should not have been charged at all. I have tried to get this issue resolved without success.
Consumer complaint received 2023-03-28
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: CITIBANK, N.A. (IL)

I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (FL)

Radius Gobal Soulution. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus
Consumer complaint received 2023-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to report the inaccurate and inconsistent information that Experian and XXXX have reported on my account with the DEPARTMENT OF EDUCATION Acct # XXXX. Despite my multiple notices of disputes, they have failed to correct this information, which is in violation of the Fair Credit Reporting Act & 15 USC 1681i.

According to 15 USC 1681i Experian and XXXX 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 item from the 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 reseller. They have failed to do so. 


I have noticed significant discrepancies in the information that they both have reported on this account. Specifically, they both have different open dates for the account, the original balance differs, payment history, and the term length for the account is inconsistent. Lastly after disputing theyre supposed to update the account asDisputed by consumer in which they did not. I am entitled up to {$1000.00} per violation per the FCRA. 

These inaccuracies have caused significant harm to my credit score and have made it difficult for me to obtain credit. Despite my multiple notices of disputes and requests for corrections, they have failed to update the information on my account. 
Therefore, I am requesting that you take immediate action to delete the account on my credit report with the DEPARTMENT OF EDUCATION for multiple violations. 

There failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek compensation for any damages that I have suffered as a result of their violations and poor practices. 

Furthermore, I expect to receive written confirmation of any actions taken by both Experian and XXXX to correct this matter. I have also filed a complaint to the XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Evidence provided below.
Consumer complaint received 2023-02-26
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. (OH)

OHIO DEPT OF HUMAN SERVICES XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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. (TX)

In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account nameXXXX XXXXXXXX XXXX account number XXXX  15 USC 1681 section 602 ( a ) states I have a right to privacy. 
15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 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 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (MI)

I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

On XX/XX/XXXX, the day my refund was to be disbursed into my account, via the companies website, my banking information was changed at XXXX XXXX  while I was sound asleep. When I woke up, Id received an email informing me of the changes. I immediately called ECSI and was accused of changing my own information. That makes XXXX sense. I am in need of these funds, badly. ON XX/XX/XXXX, Customer service first told me it would be fixed in XXXX business days. I waited, nothing happened. Called back on XX/XX/XXXX Then I was told XXXX business days. I called back on XX/XX/XXXX and was told it had been processed and fixed and would update on XX/XX/XXXX. Waited and just like before, nothing. On each follow up call I am told something different. Today, on XX/XX/XXXX I am now told XXXX  days. Upon doing research I find out that this company has had multiple complaints for this very issue. Some consumers never received their money yet had to pay it back. Today I requested the employees name and ID #. She said her name was XXXX but refused to give me her ID #. I could tell from her accent that she was not American. When I asked which location she was at I was told they are in XXXX  XXXX. So our Government loans are being handled by other countries. This is not acceptable. 
My bank said that they have reversed the transaction on XX/XX/XXXX. Something isnt adding up.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grain Technology, Inc. (TX)

Grain technology has reported on my consumer credit report since XX/XX/2022 with a balance of {$910.00}. I have no knowledge of this account I'm not sure what this account is and they have yet to verify or validate the debt by providing any written agreements signed with a wet signature in reference to this account.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

Ability Recovery Services LLC placed a negative account-bookmark on my credit report. Ability was contacted to verify debt via certified XXXX mail. Response received ; however, information was vague and bogus concerning a medical bill. First of all, it shows the exact amount of {$980.00} duplicated and charged twice possibly to collect more money for an unknown charge. Second of all, if the information is correct, the date falls during XXXX Pandemic, and XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 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. Not just information is accurate, and Ability failed in providing a detailed information about the medical bill. The letter of response included an incorrect address and phone number for me. The letter did dot provide any itemized details of why I am billed twice for the same fake account. 
I request Ability Recovery Services LLC to delete wrong information sent to credit bureaus. These charges are fraudulent and against the law.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

I went to an XXXX XXXX store on XXXX to purchase a few items for my grandkids. A girl in the store approached me and asked if I had an XXXX XXXX card and I said yes, then she said would you like to up grade it to a XXXX card and made all these offers and discounts on the purchases I would make so of course I agreed. I never dreamed they would send a different card with the amount I spent that day which doesn't make sense why would I apply of an XXXX XXXX card if I have one. And, if they upgraded to XXXX I would still just get more credit and a new card with a XXXX XXXX. I am having enough problems paying my bills these companies do that so they can charge you INTEREST ON TWO DIFFERENT ACCOUNTS FOR THE SAME PLACE. Synchroncy Bank is famous for that they did that once before at a XXXX  store and I couldn't get out of it. So this time I'm over it.
Consumer complaint received 2023-02-26
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. (AL)

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. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-12
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. (FL)

I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.