davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This complaint is against TransUnion whose contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion unfairly decreased insurance scores of me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX with the same zip code, by large amounts, due to an auto accident in which the other party was at fault. We do not have an unpaid balance on any credit card. Checks written by us never bounced. We have always paid bills in time. 

Our insurance premiums went up because of this. Our insurance company ( XXXX ) notified that our insurance premiums ( XXXX XXXX XXXX ) went up due to the insurance scores provided by TransUnion. 

I have attached the police report for this auto accident and a copy of the letter and check from XXXX XXXX showing that we were not at fault. The party at fault was insured by XXXX XXXX. 
XXXX XXXX sent me a check since the party insured by it was at fault.
Consumer complaint received 2021-01-14
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: CITIBANK, N.A. (FL)

THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) XXXX XXXX/XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CITCARDS CBNA # XXXX XXXX ) XXXX XXXX # XXXX
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AR)

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all 3 credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report I was devastated to find a number of errors on my report. This has absolutely enraged me as I am looking to get and build credit and this gross misrepresentation of my credit is inhibiting me from being able to do so and in turn effecting my day to day life. My interest rates have skyrocketed and this is having a dismal effect on my life and ability to purchase necessities for myself and family
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$0.00}.
Consumer complaint received 2022-12-28
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. (NY)

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 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX XXXX TRANSACTIONS. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. see attatched XX/XX/XXXX XXXX TRANSACTIONS ALL XX/XX/XXXX DUPLICATE XXXX CHARGES OF XXXX XXXX. WHO USED MY DATA FROM XXXX TO CHARGE MY ACCOUNT XXXX? Why DOES USAA REFUSE TO ADMIT DUPLICATE CHARGES? Why HASN'T USAA PROVIDED CREDITS FOR DUPLICATE XXXX CHARGES OF XX/XX/XXXX AND XX/XX/XXXX?
Consumer complaint received 2024-01-03
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

m not liable for this debt with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AR)

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. Phoenix Financial Services, LLC listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the 2015 legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.
Consumer complaint received 2020-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I noticed a charge of {$1800.00} that I did not authorize and later realized that a cab driver has entered that into the pin pad even though the meter said {$8.00}. I notified Bank of America immediately to help me resolve this and stop this transaction while it was still pending, I was informed to wait. A few days later when the charge was posted, I called back to resolve this and after three phone calls with different representatives, they told me that they've credited my account for the time being but asked for documentation. Unfortunately because I did not know what was happening at the time of purchase I have no receipt or proof, and let them know that the onus should be on the merchant to provide a signed receipt with this amount - as I do not remember signing anything. Today BoA has added this charge back to my account and close the claim but this is unfair, and I shouldn't have to pay for a scam.
Consumer complaint received 2021-01-14
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)

I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXXXXXX XXXX  XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX, XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
As proof of my identity, I have included ID.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (KS)

On XX/XX/2020 a woman possibly named XXXX called my XXXX year old father in law, from a restricted phone number and demanded to speak with me. My father in law told her that I was at work and not at the phone number she called. Which is his personal cell phone that I have never used or been associated with. She left a call back number with him of XXXX ext XXXX. This call back number is associated with NCB Management Services. I have never received a letter or phone call from this company, however they are harassing my family and friends for a supposed debt that I have no knowledge of. I have been contacted by other family and friends who have told me that they are threatening to send me to jail.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX   XXXX XXXX  in which XXXX XXXX and Experian has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want Experian to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can Experian or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX   They no longer have control over this account.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which Transunion, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OZK (AR)

XX/XX/2020 I helped my friend transferred from my business account {$20000.00} to pay the equipment for the account in XXXX. 
XXXX 2020 I did transfer {$10000.00} from my personal account to another account in china XXXX 
XX/XX/2020 I did transfer {$7500.00} from my personal account to account in XXXX. 
I didnt know all that people on the account I transferred And I just tried help my friend pay that and thought that he will pay me back but he disappear and didnt want pay my money back. And I think this is a scam they try get my money away. And I really need help
Consumer complaint received 2020-04-04
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)

Experian mailed a very confidential detailed list of my personal and past credit report to a address which I dont live it. Thats the only address I know of but who else knows what other addresses it sent it out to
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly examine the attached documents. I am requesting the bureau to start an investigation into these accounts, as I am never tardy with payments, yet they are incorrectly indicating a late status.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Problem I had learned that I owed JC Penny/Sychrony Bank {$230.00} when I refinanced my home XX/XX/XXXX. XXXX XXXX deducted this amount from my net proceeds and gave me a check for {$230.00}. I had no prior knowledge of this. I had moved to a new primary address in XX/XX/XXXX and had forwarded all mail to my new home address ( to be fair this may have been the initial cause of the problem ). In XX/XX/XXXX, I reached out to Synchrony Bank when I first learned of this outstanding balance for an explanation or a copy of a statement and they failed to provide it to me. I did not believe I owed anything so without any statement I completed a fraud report and sent it to me Synchrony Bank and they failed to respond back to me. What they did was to send the amount to collection. 
I finally received a copy of the statement from the Collection Agency, XXXX XXXX XXXX ( XXXX XXXX ) after I attempted to receive this from Synchrony Bank, XX/XX/XXXX. The statement showed a interest fee of {$1.00} back in XX/XX/XXXX which compounded to {$340.00}. 
On XX/XX/XXXX I disputed this amount with XXXX XXXX and they sent me the backup copy of the statement. I would not want to deal with Synchrony Bank again.