davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. TransUnion and XXXX agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my TransUnion credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX  XXXX   XXXX I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, TransUnion is still reporting both accounts.
Consumer complaint received 2021-10-15
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. (GA)

EXPERIAN INFORMATION SOLUTIONS INC. claims to need my authorization to proceed with my block demand. However, without my authorization and consent placed a fraud alert after receiving my FTC report dated XX/XX/XXXX. This further proves that EXPERIAN INFORMATION SOLUTIONS INC. acknowledges fraudulent activity, however ; they failed to address the points in my report within 5 business days of receiving the report on XX/XX/XXXX. EXPERIAN XXXXNFORMATION SOLUTIONS INC. does not know who I am yet they compile and furnish my nonpublic personal information without permissible purpose for their own financial gain which is inequitable for me as the consumer. I have provided and have reattached the necessary documentation for demanding a block of my information. 

In addition, the 6 fraudulent alleged accounts are not even reporting accurately. As you can see they do not have accurate payment history because payment history does not even reflect from when these alleged accounts even opened. As you can see the alleged accounts were allegedly opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but do not have such payment history before XX/XX/XXXX. The alleged accounts based on Experian Information Solutions INC. 's rubric for payment history reports as data unavailable for the year of XXXX up until XX/XX/XXXX which proves they are reporting information that they have not validated and have no knowledge of. Then after reporting data unavailable have the alleged accounts reporting in collection and never reflects being allegedly late. In order for any account to go into collections, it would have to be late first. As you can see the alleged accounts have been reporting as closed and in collections so why is payment history still reporting to the alleged account. 

As a result of EXPERIAN INFORMATION SOLUTIONS INCs inaccurate reporting on my consumer report, I have been subjected to higher than normal interest rates and fear of applying for credit because of potential to be denied based on being portrayed as not being credit worthy.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (MO)

In XX/XX/XXXX, I took a sleep study with XXXX  XXXX XXXX, a subsidiary of XXXX   XXXX. After that sleep study I owed a total amount balance of {$1600.00}. I paid off that debt completely in XX/XX/XXXX in the form of a {$1500.00} payment.

On XX/XX/XXXX, a company called XXXX XXXX XXXX XXXX, not XXXX XXXX whom I had the sleep study with, mailed me a bare payment statement saying I owed {$480.00}. The statement did not list what the charge was for, what procedure I had, how much my insurance covered, and stated I could only make payments via mail. So I did not respond believing it to be a scam. 

On XX/XX/XXXX, I got an alert saying I had a debt in collections from this XXXX XXXX XXXX XXXX. When I contacted that company they took a long time to answer my questions, would not answer my questions and asked me for personal information that i was not willing to give. I believe this is a fake company set up to mimic the real company I conducted a sleep study with and an attempt to scam me. 

I have not been in contact with GLA Collections yet.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (CO)

They called me several times at work a month ago, I work at an XXXX XXXX in sales so its very embarrassing that they ask for me with my other XXXX associates. I talked to them once and told them they cant contact me at work. The calls stopped for a couple of days but then they called again for a few days. I dont have exact dates but I can tell you the company is Midland Credit Management XXXX I am working through a XXXX and trying to keep a house but knowing that I told them to stop calling my work but continued to is ridiculous. My boss even answered once on my day off and hanged up, but thanks to that I almost lost my job. They call from random numbers but heres a few I have XXXX and XXXX
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX FLORIDA XXXX XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank XXXX : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen and false information reported by Citibank on my account. 

On XX/XX/XXXX I signed online in my Citi account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made a domestic wire transfer from my Citi Priority account in the amount of {$33000.00} into my Citi Business account. I received 3 different calls from citi fraud department, they verified every detail and told me the restriction was successfully lifted. On XX/XX/XXXX I received an email from citi bank that the wire transfer I made in the amount of {$33000.00} was canceled ( Reference Number XXXX ) The reasons for the cancelation were we are unable to reach out to verify the information you provided ) INCORRECT and false information was reported by Citibank. I verified 3 times over the phone every detail you can possibly verify. From XX/XX/XXXX I was calling Citibank daily sometimes 2 times a day to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. 

My account was frozen, my debit card was locked, and my online access was locked too while traveling with my family in XXXX for the XXXX. Citi bank completely shut off access to my only money and cause me huge financial losses and damage. On XX/XX/XXXX I receive a letter that my account will be closed within 60 days. Also, Citibank offered in the email to request my funds to be delivered to me sooner If I choose to, I did and Citibank failed to respond this is the message from the Citibank email we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card I did call and request my money to be mailed to me sooner, and Citi again failed to comply with their policy. I no longer want to be a Citi bank client, and want all my available funds to be mailed to the address on file ASAP. Citibank violate all my rights, reported false information, and keep XXXX my money. Citibank is committing a crime by reporting false information about me, and my account and keeping my money XXXX. 

Again, Im requesting Citibank sent all my available funds to the address on file ASAP before the account gets closed, this option was offered to me by Citibank, in their email. 
Sincerely XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

As of XX/XX/22, equifax has removed an account from my file without my permission or given notice. My XXXX XXXX XXXX  loan was removed without notificafion or permission and this account is still open. Because this account was removed, my credit score has dropped as a result.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (MI)

I have a savings and checking account with Chase Bank. The terms of the account are that my monthly service fee is waived as long as I 1. Maintain {$5000.00} in my checking and savings accounts or 2. Have a monthly direct deposit. I have met these stipulations since XXXX. Due to Covid-19, I have been furloughed from my job in Michigan since XX/XX/XXXX. On the same date I applied for unemployment, and I continue to wait for my application to process. Due to my waiting for my unemployment to process, I am fully relying on my savings to pay my bills and mortgage. Starting this month, Chase is charging me a service fee for not satisfying the above requirements. First charge was on XX/XX/XXXX. I spoke to a representative. They reversed the charge for this month, but will be charging me going forward. This crisis is not my fault, but Chase Bank has no problem capitalizing on that crisis when I am at my most vulnerable. I worry for all other Chase customers who are being charged unnecessary service fees related to the Covid-19 crisis. Please look into service fees banks are charging clients who are not meeting requirements due to the current crisis. Thank you
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been trying to fix incorrect information on my Experian report for almost 6 months. I have supplied proof and they still refuse to remove the incorrect reporting on my credit report. I have attached a copy of the cancellation of debt letter from XXXX XXXX that shows debt in the amount of {$28000.00} was cancelled for loan number starting with XXXX. Open date of the loan was XX/XX/2007 for {$25000.00}. Experian is showing the account as a charge-off and that not correct. This account is not charged-off the debt was cancelled and needs to reflect the - $ XXXX- balance and the correct status. I have attached a copy of the notice that was sent to me, in which I also sent to Experian that refuses to investigate the matter. Any assistance would be greatly appreciated.
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. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

Per my previous complaint with Chrysler Capital, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.
Consumer complaint received 2020-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I was forced to use XXXX on three different occasions. On one trip, I was forced to take the even though it was only a 5 minute ride to another campus of the hospital and I had someone there to drive me. Another time, I was charged over {$3000.00} for a ride to another hospital when I didn't request it. It's not my fault that XXXX hospital was full and they had to transfer me. Why should I pay for that? I'm a XXXX  Vet with XXXX issues and expected to go to the hospital in my city for these emergencies. I had insurance during this time and these bills were paid by my insurance company. This company is scamming the system and overbilled, charged waaayyy more than necessary, and never even contacted me by phone or let me know it was going to collections. I never received any collection letters or calls. Only invoices. It went from service on XX/XX/XXXX to NEGATIVE REPORTING ON CREDIT REPORTS ON XX/XX/XXXX with no warning in between. I have been on XXXX for my issues, so clearly I don't have the thousands of dollars they are requesting. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put THREE collections on my credit reports during a time when the governor requested a moratorium on such actions from XX/XX/XXXX-XX/XX/XXXX + maybe longer. They were so spiteful, they put it on my credit reports in the middle of a crisis, on XX/XX/XXXX. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, Equifax and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.
Consumer complaint received 2020-03-29
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)

Mailed in a lengthy thorough dispute that went ignored by Equifax and XXXX, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (WA)

I am submitted this complaint because my efforts to resolve this issue with better mortgage have been unsuccessful. They have requested that I submit insurance coverage for an HOA even though I have already provided homeowners insurance with physical damage coverage. The condominium that I live in only has two units and does not have and association to manage the property. The owners of the property simply maintain their own part of the condominium. With all this information provided to better mortgage they continue to insist that an HOA insurance is still required.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX  XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2020-03-29
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: NCB Management Services Inc. (FL)

I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Credit Karma (MN)

CK ( Credit Karma ) is adverting a sweepstakes ( ). According to the Sweepstakes Rules ( https : //www.creditkarma.com/lp/50ksweepstakesrules/ ) 1 ) you can not have an existing ( " CURRENT OR PREVIOUS CREDIT KARMA SAVINGS ACCOUNT HOLDERS ARE NOT ELIGIBLE. '' ) CK Savings Account and be eligible and you must 2 ) open it IN/USING CK Tax ( " ( iii ) using the Credit Karma Tax   product to open a Credit Karma Savings bank account '' ). I can not find any place IN CK tax to open a CK Savings Account. I have contacted CK 's XXXX Team, used the Chat feature in CK Tax and contracted CK support multiple times inquiring how to open a CK Savings Account USING CK Tax - they have only sent me information about CK Savings Account and instructions/links to instructions on how to open a CK Savings Account NOT USING CK Tax product ( via the general CK website/dashboard - not in the tax product ).

CK is advertising a sweepstakes to get people to open CK Savings Accounts. I do not see a way ( believe there is a way ) to open a CK Savings Account as per the written terms and conditions of the sweepstakes ( using the CK Tax product ). CK Support is unable or unwilling to state that the terms are incorrect ( e.g. that the account should be opened outside CK Tax ) - which is unacceptable for a financial services provider - OR provide instructions on how to meet the terms and conditions of the sweepstakes ( open a CK Savings Account USING CK Tax product ).
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Denied credit for irrelevant reason through an automated scoring system. A manual credit review needs to be conducted. CHASE appears to be ticked off that the government made them write-off a mortgage loan over 10 years ago for predatory ending tactics. This appears to be retaliation for that cancelled debt.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (GA)

On XX/XX/XXXX a collection account showed up on my credit report from a company called Professional Bureau Of C  for the amount of {$7200.00} showing an account opened on XX/XX/2020. 

I have sent a letter to the company requesting that they remove the inaccurate information from my credit profile.
Consumer complaint received 2019-12-16
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. (AL)

XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.