davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (NY)

I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX   XXXX XXXX  XX/XX/XXXX {$0.00}
Consumer complaint received 2017-07-11
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. (TN)

I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Consumer complaint received 2022-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

I had a balance of {$130.00} with my primary care physician. I paid this amount through my XXXX account on XX/XX/XXXX and the check was mailed to the address listed in the doctor 's bill. On XX/XX/XXXX I received a bill collector 's notice for this bill. I emailed the collection agency my supporting documentation showing that I paid the bill. The bill collector at the time was XXXX. I received email confirmation from the bill collector that the balance of {$130.00} was satisfied. 

Today, XX/XX/XXXX I received a call from Mrs. XXXX with First Point Resources asking for payment about the same bill. I emailed Mrs. XXXX all of the necessary documents
Consumer complaint received 2022-01-21
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 have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (LA)

On XX/XX/XXXX I paid on line my Citi Double Cash credit card via withdrawal from my XXXX XXXX checking acct. On XX/XX/XXXX my XXXX XXXX checking was hacked and the checking acct. was frozen. The payment was stopped by XXXX XXXX going to Citi. I have kept Citi updated by telephone daily and have wanted to pay my balance that I owe Citi.They keep telling me the computer will not allow me to pay the balance previously sent in on XX/XX/XXXX. Today they told me I would not be allowed to pay this balance until XX/XX/XXXX. I am afraid that on XX/XX/XXXX they will have another excuse why I can not pay the balance I owe and I will incur a late penalty and interest on the balance owed. All I want to do is pay what I owe Citi
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (FL)

I sent a certified letter and XXXX by regular mail requesting information on this debt. I also asked for proof of their authority to collect this debt and their license and bonding required to collect debts in Florida from a Florida  resident.. The return receipt shows they received the letter on XX/XX/2023. 

XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Collection on my Credit File Account Number : XXXX Amount : {$500.00} Account Number : XXXX Amount : {$1700.00} The {$500.00} collection was removed ; the {$1700.00} remains and no response from the collection agency. 

Since I never received anything about this debt, I sent a second letter stating I had no knowledge of this account or debt, never was at the hospital and asked them to remove it. No response since through XXXX. I also called XXXX and was put on hold and disconnected.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

RPM Receivables claimed I owe {$1100.00} on a closed XXXX XXXX XXXX account. The account was closed in XXXX of 2016. <P/>The company called me today with a Washington State number, it was from an XXXX call center. They asked for me by name, I asked who was calling? I heard a click and another agent came on the line. The call center rep, in a rush spoke very fast, with my name and cell phone number, then hung up. After learning about what the call was about, I immediately told the agent that I had no such debt with XXXX XXXX XXXX when I cancelled my service. He was adamant about setting up a payment arrangement. I further advised, I wish to dispute it. He again asked to set up a payment arrangement. I advised him this was not a valid debt. He then advised he would flag the account as disputed.
Consumer complaint received 2017-07-11
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: EQUIFAX, INC. (FL)

This letter is to inform you that Equifax credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>*XXXX XXXX/XXXX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that XXXX and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. I am disputing the incorrect reporting of a Bankruptcy on my XXXX Consumer Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void
Consumer complaint received 2022-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2017-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I call to resolved this issue with the merchant and after a failed attempt I initiated a case with the Bank. I spoke with approximately 7 people on XX/XX/XXXX about this situation. Representatives talking to me as if I did something wrong- Unbelievable! <P/>I am absolutely appealing the denial of my claim. The merchant did not receive my authorization to charge the amount and this is Fraud.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have just obtained a credit report from Trusted ID ( Equifax ) and I found in my personal information section XXXX addresses from Colorado that I never associated with. Those XXXX addresses must have recently appeared as they were never in any report up to a few years ago when I checked my credit report. All other addresses are OK but I never been associated with any address in Colorado for sure.
Consumer complaint received 2022-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (RI)

Experian has deliberately been ruining my good credit rating without just cause. A review of my Experian credit report shows that each other month Experian has lowered my Fico score without reason. I had a good credit rating with Experian and now I have a fair rating. All the other credit reporting agencies have me as either good or very good rating. There have been no changes in a few years that would give justification to perpetually decrease my rating e.g. no past due accts in several years, no inquiries hard or soft exceeding the allowed amount, no late payments, no excessive credit use. I called them and made inquiry as to why they are doing this to me and they had me speak with a dept that does the scoring and as a result of that call I was left with no answers and was told they don't know why. As a result of the actions taken by Experian a couple of my creditors have lowered my limit and/or have cancelled my account with them.
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

Hello my name is XXXX i`m from XXXX XXXX I think i was scammed on a XXXX crypto platform. I have meet a person from XXXX XXXX whos told me to invest in this new " meta '' crypto. She told me to buy XXXX on binance app and transfer it to another app who sells " meta ''. After buying i realised that i cant sell this new crypto and by this way i cant get my money back.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans union is only showing I have a 3 year credit history which is severely impacting my credit score! 
Im XXXX years old and I have over 30 years of credit history My Trans union credit score is XXXX My XXXX credit score is XXXX My XXXX credit score is XXXX My credit monitoring services show Trans Union Only showing my credit history as being 3 years old and another shows Trans Union only reporting my credit history as being 1 year 6 mos old I have talked to Trans Union about this and they refuse to change or report my credit history correctly.
Consumer complaint received 2017-12-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seterus, Inc. (NY)

Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XX/XX/XXXX.
Consumer complaint received 2022-05-26
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. (NC)

in accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT  # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2023-03-10
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. (NC)

XX/XX/XXXX I busted an XXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

Verified with work that direct deposit was sent on time. Chime XXXX XXXX Bank continues to deny that deposit was ever sent or received, claims there are no issues, and after I stated that I would be filing a complaint with the XXXX  I received a phishing text claiming to be from Chime XXXX Bank about a survey for customer service.