davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Im unable to see my credit score because of an error, XXXX asked them to fix more than XXXX time Cant log in on website and see my credit report, there an error when I log in that states theres a technical issue
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VT)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution has reported invalid account with the amount of {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company or any company associated with them. The company has failed to provide any debt validation for this erroneous account.
Consumer complaint received 2023-06-05
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-23
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK XXXX COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Contacted Transunion to investigate unauthorized inquiries they advised they do not remove inquiries but this is fraudulent and I advised them I have an FTC report in which they did not accept or advise on how to furnish the FTC report to them
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

15 U.S.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) # XXXX XXXX XXXX ( XX/XX/19 )
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

I was told I have a collection with XXXX XXXX XXXX on XX/XX/2018 from XXXX, XXXX and Equifax. After I explained that I have never lived in or correlated with XXXX XXXX XXXX ( I used to live in XXXX XXXX XXXX, which is an apartment nearby and sounds similar ), XXXX and XXXX agreed with my dispute. Equifax remains disagree twice without any further information. Now this collection is influencing my application to new housing and I want to get this fixed.
Consumer complaint received 2023-07-18
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. (FL)

I have contacted TransUnion regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft TransUnion gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.
Consumer complaint received 2023-07-18
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. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-10-12
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. (NJ)

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (CA)

I was in forbearance ( COVID ) FROM XX/XX/XXXX TO XX/XX/XXXX. During this, I applied for XXXX XXXX XXXXXXXX XXXX aka XXXX XXXX and was approved. ( XXXX ) **They requested an arrears statement, showing how much, I owe to become current ; Chase sent them an arrears statement of XXXX Chase got a XXXX on XX/XX/XXXX for XXXX. On XXXX, I got a payoff, good thru XXXX, showing, XXXX fees for the following, pro rata XXXX, restricted XXXX balance buy down subsidy/ replacement reserve balance, XXXX, XXXX XXXX fee rebate, NO prepayment, NO other fees*, NO demand fees*, NO corporate advance fee, no attorney fees, basically NO FEES. Chase letter dated XXXX, " your XXXX XXXX payment assistance ends XXXX, call us for a possible extension '', which i did and got an additional XXXX months. I was ecstatic, because not only would I be Current, but a payment credit left over of about XXXX months. On XXXX, Chase charges me, a total of XXXX times XXXX in XXXX XXXX fees and XXXX charge of XXXX!!! total XXXX. I am demanding a complete Audit by a XXXX party as well as internally. It is obvious an erroneous error on behalf of Chase. Because of this I have been struggling to keep up ever since trying to keep up and my mortgage would have gone down.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

Bought tickets for two friends off an ad on XXXX. Owner would send me the the tickets once I gave him {$65.00}. {$65.00} was XXXX to him and never heard from again even after confirming that the XXXX  was sent ( sent via chase with XXXX ). Chase told me they would not refund me.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX, on XX/XX/2020 has violated my rights. 

15 USC 1681 section 604 A section 2 : It also stats a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1,66B. A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked for validation of this debt and this company produces a doctored up statement saying that it was from XXXX  XXXX. You can see that it is not an original document. This company is illegally trying to collect on a debt that I have no knowledge of nor owe, nor have ever done any business with this company. I have asked for documentation On the debt which i recieved some 3 or 4 statements showing an amount owed. They are stating they sent me information back in XX/XX/XXXX that I never recieved at all. They also sent another document saying something about a last four of a social. I recieved documentation from another collection agency with the attempt to collect this same debt.It 's unusual that I would received such notice from one agency but never got anything from portfolio recovery. At this point someone is not being truthful and are illegally trying to collect on the same debts. Portfolio recovery claims they have rights to collect as well as the other collection agency. How can 2 companies own the same account from the same creditor with the same exact account number. I have not recieved any purchase agreements, not a bill of sale, but purchase agreements showing this debt was bought from XXXX XXXX nor does it state it was bought from the previous collection agency first source advantage who claims they acquired the debt in XXXX of XXXX. If portfolio recovery claims i owe this debt then I need documentation proving their right to collect this debt. these companies by law are required to provide this information upon request. They have not produced any accountant records, transaction receipts with my signature, they have not produced any license to collect in the state of california which they are required by law to have. They have not produced any valid information that shows I owe portfolio recovery Associates or XXXX XXXX any money. They are violating my rights under the fdcpa as well as the fcra. They are also reporting a charge off every month to my experian report which is also another violation of the fcra known as re aging the account. A collection account can not report any payment history if a consumer did not enter into any agreements to make any payments to. This company is notorious for their illegal debt collection practices.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted Transunion and LCI in regards to incorrect information on my credit report. I received a letter stating i needed to go to the courts to get this corrected. Under FCRA, they are required to verify the source of the information and ensure accuracy. The courts did not provide them this information so I'm not sure how they are make the statement the courts need it fixed. The information is inaccurate and needs to be removed.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AL)

Money took from my cashapp and sent to someone XXXX XXXX while I was is XXXX, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/year> {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/year>, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX  and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo denied my dispute for XXXX something the claim id was XXXX It was some unauthorized transaction on my account and I spoke to why it was denied and they refuse to help then I asked for a XXXX her name was XXXX and she was extremely rude. I want to get my money back because my account is over drawn now and Wells Fargo has been no help!
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.
Consumer complaint received 2024-01-31
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. (MI)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lloyd & McDaniel, PLC (GA)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which make this unfair practice. According to the FDCPA I'm entitled to {$1000.00} USD per violation and they clearly violated my rights.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}
Consumer complaint received 2020-11-12
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: AMERICAN EXPRESS COMPANY (OH)

My identity was stolen around XX/XX/XXXX, and the thief ( in XXXX Oregon, a place I have never been ) opened an American Express account in my name. He made some payments on it, then defaulted and disappeared in XXXX. As soon as my wife and I found out about the fraud on XX/XX/XXXX, we filed a police report ( XXXX Police # XXXX ), filed with the FTC, and contacted credit monitoring companies ; all involved parties confirmed that this was fraud and I was not responsible. But American Express has continued to deny this because payment was once made by the thief from a XXXX XXXX XXXX XXXX  account - we have no such account! 
We have tried to get American Express to recognize this since XX/XX/XXXX, and have sent them all the relevant material and proofs they requested, but they have ignored and refused it all.
Consumer complaint received 2023-02-18
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2023-02-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services (CA)

I bought a car Mercedes Benz XXXX XXXX XXXX from Mercedes Benz of XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) on XXXX XXXX. In the process of buying the car, I purchase the following : - 1. GAP insurance {$1000.00} 2. Mercedes Benz maintenance {$2800.00} 3. Mercedes Benz Tire and Wheel {$2400.00} 4. Mercedes Benz Extended Limited warranty {$5700.00} 5. Mercedes Benz Windshield protection {$1100.00} 6. Total of {$13000.00} of extra service On XXXX XXXX The car was involved in an accident which is 100 % could of the other party and my car was totaled, I went and file the cancellation of the extra service and requested a refund however I am still waiting for the refund and haven't received any money that I have paid. Please advise if you can resolve this issue Best regards, XXXX XXXX XXXX XXXX XXXX