davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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: World Acceptance Corporation (KY)

I submitted a dispute earlier this yr regarding my balance showing incorrect on my report, ever since I've filed that dispute, they've illegally reported higher balances on my credit report several times. The original debt is XXXX, they've hiked it up little by little to where it is hurting my credit score. They are trying to force me to contact them when I don't have to u less I absolutely have the funds which I don't. But to keep updating my balance to a false amount is not right. It's literally been at XXXX for years since 2017 I believe and now it's going up AFTER filing a dispute. It seems like they've decided to find a way to retaliate and that's not right. If I'm broke I'm brokeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They need to fix this because it's hurting my credit no matter what.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Hello XXXX XXXX here, this complaint is regarding a dispute filed against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I filed a dispute through Care Credit/Synchrony Bank regarding XXXX XXXX XXXX  not satisfied. 

I call XXXX XXXX XXXX two weeks after service done on XX/XX/XXXX that my XXXX  were not XXXX as promised they would be. I left several messages and I received no response, and so I filed a complaint with Care Credit on XX/XX/2022. 

I received several text 's and call 's from XXXX XXXX in XXXX, and when I called her back thinking that they were willing to work with me, instead it was a threat to call off the complaint or they will get there lawyer on me. 

The final decision was granted in there favor foXXXX XXXX XXXX XXXX XXXX. I was sent an email with a XXXX  file that I and Care Credit support help was not able to open file. 

I was told that they would send it out by mail due to unable to discuss over the phone. I have been calling Care Credit for over three months now, and I still have not received letter of narrative describing why my complaint was denied and giving in the favor of XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

on XX/XX/XXXX i checked my personal credit report and noticed that there are several erroneous pieces of information that are currently reporting. I did not apply for these accounts or give anyone permission to apply for any accounts using my name or social security card. the first account is acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} i currently dont have any information about how this information came to be on my credit profile but i will be using this document to file a police report today.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (IL)

These are the inquires I did not authorize. 


XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-05-29
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. (TX)

My name is 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 2024-06-09
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've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

received a letter from a company called LexisNexis Risk Solutions stating I have 4 negative reports on my file. I checked my credit history and there are no reports of any kind. They want me to go online and get the report but I will not pay for something I can get for free, nor will I call them due to the fact they most likely will continue to call and harrass, as other companies have done. This is an on going problem with me, I keep getting calls and letters and I do my research and find if the companies are legit. Any help will be appreciated in this matter.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TN)

I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. I need to open a dispute an ACH payment that was made from that account on XX/XX/2022. Chase has not responded to my inquires about this. 
On XX/XX/2022 an ACH payment of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. 

This company turned out to be a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00} sent to them. I filed a fraud report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money and using deceptive and false statements to get me to purchase an Amazon XXXX store that would generate income. They have not done this at all and have made me no money. They have also not responded to 20 plus attempts to communicate and rectify this situation. The FTC said Chase could assist me in recovering this money. 

I am attaching my FTC report, a screenshot of the ACH transaction, text message from the company showing their account info to deposit the money into and a copy of my statement showing the transaction when I made it. I can provide much further documentation if needed. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. Please let me know what other documents you need. 
Thank you, XXXX XXXX
Consumer complaint received 2020-10-01
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. (MA)

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

Late payments are impacting my ability to reestablish credit and Ive maintained that online payment system is faulty. I couldnt afford to pay additional {$6.00} for phone assistance and the 2 late pays were beyond my control
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (MA)

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-09
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: Grain Technology, Inc. (CA)

On XXXX XXXX Ive sent a letter to Grain Technology , INC. stating the violations they have done and reporting illegal information on my consumer report. The letter states : To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experience between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between ( ME ) and the person ( XXXX XXXXXXXX XXXX  ) that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s : GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent of Non-Compliance Civil liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- XXXX. Civil liability for willful noncompliance [ 15U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

I've had an auto pay agreement with Chase bank to pay an outstanding credit card balance for over a year. Every month, {$100.00} has been approved for Chase to automatically extract payment from my XXXX XXXX   checking account. 
In XXXX 2020, the payment did not go through. I received no notification to that effect from Chase.. Then in XXXX of 2020, again, the payment did not go through. 
Multiple attempts to contact Chase bank have failed, due to an automated phone system that does not give any option to talk to a real person. 
I am unable to access my account with Chase online because I lost my username and password, due to a computer crash. I no longer have the credit card because I threw it away so I would not use it again. I don't get paper statements, only electronic, and they never include the account number, so I can't do anything online without the account number. I only have the last 4 digits of the old credit card, which does not give me access. 
I have written a letter, to be mailed, explaining the problem and I feel that they are now guilty of breach of contract with me under the auto pay agreement with them. They have my checking account number and routing number of my account at XXXX XXXX, which has never changed. XXXX did issue me a new debit card back in XXXX 2020, which I did not think affected the Chase agreement at all. The main problem is no means of contacting a person regarding this account. No help without the account number for their automated phone system.
Consumer complaint received 2020-10-01
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. (MO)

I have made many attempts to resolve an issue with my credit reports from XXXX, Experian, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Consumer complaint received 2020-10-01
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. (MO)

I have made many attempts to resolve an issue with my credit reports from XXXX, XXXX, and Transunion. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I am unable to unfreeze my credit report with equifax. Online, the system will not accept my log in or password and when I call I am either disconnected or told the system is down and they are unable to acccess my account information.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (MA)

I rent office space in XXXX, MA from XXXX, and have used XXXX for approx 5 years. I recently received fraud-filled notices that I owed {$5300.00}. ( Email subject line, " Case File : XXXX XXXX XXXX XXXX. [ redacted ] Balance : {$5300.00} '' ) These emails surfaced twice when I owed no more than a single month 's rent -- approx {$500.00}. The emails are sent to me from a debt collection agency in XXXX, and the content of the emails is threatening and filled with fraudulent claims. Specifically, the collection agency states if I overnight a check for {$900.00} my debt will be forgiven, but I don't owe anything like {$900.00}, so demanding payment in this amount to alleviate the debt amounts to extortion. Furthermore no one has reached out to me to discuss this matter, as claimed in the email sent. I have called and emailed XXXX on numerous occasions and received NO RESPONSE.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (NJ)

There are two parties involved in this complaint, XXXX and Barclays. I initiated two transfers on XXXX XXXX and XXXX XXXX for {$1000.00} each, from Barclays account to XXXX account, but I immediately cancelled the transaction of {$1000.00} of XXXX XXXX on that day itself. 
Then on XXXX XXXX I initiated a transfer from XXXX to Barclays which reached my Barclays account on XXXX XXXX. 
There seems to be a reduction of two {$1000.00} from my Barclays account but only one deposit of {$1000.00}. 

When reached out to Barclay 's they say that the money was requested to go the XXXX account and was sent. They did not receive any cancellation notice and hence carried out the transaction. 
When reached out to XXXX, they say that when a transaction is cancelled, they never pull the money from the requested account. Hence the missing case of {$1000.00}