davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (MD)

XX/XX/2020 I was alerted by XXXX  through XXXX XXXX that through XX/XX/XXXX-XX/XX/2020. That SYNCB/PAYPAL added an hard inquiry to my credit report. Yes, the account was open. But I never made transactions. It was an open account with no activities. It is unfair that they added this on my credit and lowered my credit score through XXXX. 
I have completely closed this account. And I would like this removed from my credit report.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

The original creditor on account XXXX XXXX XXXX XXXX XXXX is my previous landlord. I paid all of my rent and I can verify that. After moving out they tried to claim that I owed for wear and tear through a rental insurance provider XXXX XXXX, I believe is the name. Anyway, I have suspicions that they are doing this to many tenants. I never hung a picture nor did I receive new paint prior to moving in. The apartments did not indicate what the so-called wear and tear was nor provided proof to me nor sought relief in a local court. Instead, they just wrote something down and " claimed '' I owed for wear and tear and submitted it to this insurance company to my understanding without any judgement or proof. Again, prior to moving in I never received new paint nor did I hang XXXX picture or damage any property during my stay. I think I have before and after pictures. I also believe they are doing this to others, but I submitted a dispute through XXXX because they put this on my credit through a company called National Credit Systems but they have not obtained a judgement against me nor have they shown proof of what I owe. XXXX took it off my credit, however XXXX claims in their remarks that consumer meets FCRA requirements. I do not owe this creditor money though. I would like someone to show me what and why I owe this and why it is on my credit. Can any creditor just make a claim without a judgement?
Consumer complaint received 2022-12-30
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-12-30
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. (IL)

I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (WI)

Theft XXXX {$150.00} XXXX, theft XXXX {$150.00} XXXX, theft XXXX {$100.00} XXXX, theft XXXX {$50.00} XXXX, theft XXXX {$100.00} XXXX. Police called as soon as I noticed a bunch of tabs open on my phone time XXXX XXXX XXXXXX/XX/2024. Bank contacted XXXX XX/XX/2024 when I told them that said transactions were not authorized totalling {$550.00}. Bank canceled my card and told me that I would receive credit within 4 days of the call. Now let 's count Saturday, Sunday, Monday, Tuesday over 4 days. Transactions posted like normally except for late with no credit given police shutdown account that took the money. Claims department jp mogan chase bank called after flagging XXXX of XXXX transactions I didn't authorize. Number given on the app was XXXX time XXXX was told bc a hold was placed on the transactions I called about now I'm not getting credit until the team approves it. Which per statement would be as early as end of today XX/XX/2024 or give it XXXX or XXXX days more. This is misrepresentation by a financial institution. I was robbed and I'm being told in no uncertain terms that we'll get around to it.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2020-03-15
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. (CA)

By end of last year, i noticed an inquery on my XXXX reported by Dsnb/bloomingdales Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with XXXX  on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMD Investment Group, Inc. (TX)

Hello, my name is XXXX XXXX XXXX XXXX and I received a letter about a debt collection for a medical service from XXXX  XXXX which they never told me I had to pay anything. I never saw that I had to pay the amounts and I wasn't aware of this so as right now I can't pay this debt. Reference number is XXXX.
Consumer complaint received 2020-03-27
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. (TX)

XXXX XXXX, XXXX bought our mortgage from XXXX in XX/XX/2019. It was not made clear that my loan number also changed because they already had a customer with the loan number I had for years. XXXX manually transferred to my account through XX/XX/2019, and then just let it go into their previous member 's account. It was eventually corrected after two weeks of phone calls, attachments, and then a smart person there realizing what had happened. She said new people in customer service would be told about this problem in case there were others. No mention was made of why their accounting was not trained to notify me by email to change my loan number, or just keep correcting. However, it was resolved and the credit reporting agencies were informed. 

Transunion first said they agreed with the mortgage company when I disputed, and then when I questioned if I was reading their answer right, they said I had complained about the balance and that was correct. I informed them I complained about them saying I had late payments, which did make the balance wrong, and they told me to dispute again just for the late payments. 

On XX/XX/XXXX Transunion showed my score as XXXX according to XXXX XXXX. It dropped to XXXX on XX/XX/XXXX, and went down 161 points to XXXX on XX/XX/XXXX based on XXXX XXXX incorrect information. It is now only XXXX even though they now show the correct info that I have had no late payments, and have refinanced with another company so have paid XXXX off.
Consumer complaint received 2020-03-27
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. (CA)

I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OR)

( I submitted an earlier complaint and was given a completely irrelevant response by Credit Acceptance which I will upload for review. I also am working on getting a local attorney. ) I have a predatory auto loan for a XXXX XXXX XXXX that I got used from a XXXX Dealership in XXXX, Oregon in XXXX of XXXX. I was mislead by the dealership and wasnt aware of the amount being financed for this car which already had high mileage. The interest rate is so high that I cant pay down the principal. When I missed a few payments after losing work they started adding up as the car payment alone was {$500.00} a month. This severely hurt my credit score which went from a XXXX down to a XXXX. Which in turn impacted my ability to trade the car in at a different dealership to get out of this loan. The car has been valued at {$5000.00} at most for trade in, Credit Acceptance wants {$15000.00} for a car that isnt worth that at all. To make matters worse, the tires were bad and I had to spend an additional {$700.00} on new tires and the transmission is starting to slip even though I have kept up on fluids and routine maintenance Fixing that issue would be more than the car is worth. I noticed that Credit Acceptance was being sued by the CFPB. Im also looking into getting a local lawyer to see if I have a case. This has impacted my credit and my ability to get a decent rental ( housing ) as well.
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX and EXPERIAN has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (VA)

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were two additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, XXXX, and Equifax to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request.
Consumer complaint received 2020-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is illegally releasing customer information to the North Carolina Department of Social Services by selling access to customer account information through an automated system on a daily basis, Customer account holders are not granting permission to have their data released to the North Carolina Department of Social Services. This is a violation of Graham Leach Bliley Act, NC State Statutes and Wells Fargo Data Privacy Policy. DSS then has cart blanche access to customer account information. Wells Fargo has repeatedly denied this issue by saying they have not released account information. I have documented confirmation from an employee at the North Carolina Department of Social Services that this is happening. They even offered to allow me to come in to the Department and see the system for myself. Employees illegally accessed my mother 's accounts without my mother 's permission or my permission as her Power of Attorney. Wells Fargo did this to my mother in XXXX and most recently in XX/XX/XXXX.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i was using a company XXXX for my phone service for many years recently there were weeks with poor or no service. My renewal date was XX/XX/20 on XX/XX/20 i received an email from them stating that on XX/XX/20 they generated an invoice for {$180.00}. immediately i responded and said don't bill me i'm not renewing my service.On XX/XX/20 they billed me anyway with out my consent. I waited till it posted on my account when i called capital one to dispute the charge.During the conversation capital on called XXXX and they said they will give full credit as long as you return their equipment with in 30 days.I didn't trust them so i asked capital one to give me credit on XX/XX/20 capital one gave me credit.I sent back the equipment immediately and XXXX sent me an email on XX/XX/20 that they received it and were finalizing the credit.On XX/XX/20 to my amazement capital one rebuild me for {$180.00} i contacted capital one and asked them what happened, they said the merchant gave them documentation to warren the charge.they told me if you want to dispute it to down load docs and i did. I called capital days later and they didn't help me. capital one took the dispute to visa before asking me for docs and now that i sent them docs showing that i canceled a week before the service date and was charged against my willing they still wont help me therefor i am sending you all the emails and asking you to step in and help me. 
thank you
Consumer complaint received 2020-03-15
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. (NJ)

On XX/XX/2020 and XXXX XXXX / 2020, I wrote to Experian requesting an investigation into items that were Unauthorized by this writer. And asked to investigate and provide their method of investigation. To date, I have not received a reply from Experian or any other acknowledgment that an investigation has begun. 

Please see my reasons to dispute below : unauthorized inquiries made : 1. XXXX XXXX  XXXX - XX/XX/2020 2. XXXX XXXX XXXX - XX/XX/2020 I am about to send a 3rd letter. and decided it we best to notify the CFPB
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - Experian, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VT)

I received a bill from XXXX XXXX XXXX XXXX XXXX for itemized charges of two appointments that were not sent to medical insurance. I was an employee working at XXXX XXXX XXXX XXXX XXXX at the time of the charges. The first charge was for a covid-19 shot that was provided to every employee during an employee vaccination clinic which was free of charge to employees. XXXX XXXX XXXX XXXX XXXX billed me for this vaccine. The second set of charges were for a medical appointment which I received an itemized bill for provider visit and urinalysis. Based on the medical insurance, I should only have been charged for a copay but instead received an itemized bill where the company is trying to collect more than what is actually owed to them. I attempt to contact their billing department via phone multiple times and left multiple voicemails asking them to please bill my insurance before I would pay the bill, but I didnt receive any calls back. I sent XXXX XXXX XXXX a check for {$20.00} for copay, which XXXX XXXX XXXX did cash. They subsequently have sent the remaining bill with the incorrect charges to two different collection agencies. I just received the letter form the second collections agency yesterday. I had sent a letter to the first collections agency asking for verification of the debt and to provide proof that the insurance was billed, but they were not able to provide this information and instead sent me another copy of the incorrect itemized bill. The debt should be satisfied by the {$20.00} check for copay that XXXX XXXX XXXX cashed. The insurance copay covers the provider visits and urinalysis test done. I do not owe a debt for the covid-19 vaccine because I was an employee working at the XXXX XXXX XXXX at the time that I received the vaccine at one of the XXXX XXXX XXXX internal employee vaccine clinics. My medical insurance was on file with the company I properly checked in with their front desk staff.
Consumer complaint received 2023-05-05
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX