davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (NC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

I have asked for the original signature of the original debt from Spring Oaks Capital LLC. They are constantly call me. I have asked for this information in writing. They haven't produced it and continue to call me. They called me from XXXX - XX/XX/XXXX. I recently received a call XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-02-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received egift card from work for {$300.00}. Could not spend any of it at any store or online, nor put it on my apple wallet. Have tried contacting the company after waiting for a half an hour they said I need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 USC 1681 : TRANSUNION - XXXX XXXX ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NC)

On XX/XX/XXXX Zions Debt Holdings reports to all three credit bureaus that I owe them {$1900.00} because they claim to own XXXX account. I received a credit notification via my credit monitoring service. Dropped my credit score by XXXX points. The first me ever hearing about this. I sold the property in XX/XX/XXXX where the equipment was and/or is located. 
The current owners are responsible for any bills that occurred after XX/XX/XXXX. All bills associated with this account was paid off when the house was transferred/sold. 

The problem I have with this company is I didn't know they had me on their books owning anything and I believe they are trying to collect on a debt that's already been paid. 

I established an account with XXXX XXXX Loan who serviced XXXX my Account on XX/XX/XXXX. Attached is the Federal Truth in Lending Disclosures. I will be reaching out to the Attorney General to find out how many other people have been effected by these fraud claims. The attempt to collect debt from people who has paid already. I have my documents.
Consumer complaint received 2021-12-17
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: JPMORGAN CHASE & CO. (CT)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (WI)

I am.the mortgagee of a mortgage loan with Rocket Mortgage. 

Loan No. XXXX. The original loan was refinanced twice and the last refinance occurred in XXXX. 

A title search was performed to execute the sale of my home XX/XX/XXXX. It was discovered that the Settlement/Title company that completed both refinance closings on Rocket Mortgage 's behalf ( XXXX XXXX ) failed to record both of the refinance mortgages. 

The mobile notary used by XXXX XXXX altered documents that caused XXXX XXXX MN to reject the recording if those mortgages. My mortgage was never recorded. 

To proceed with the sale of my home, this will now require {$10000.00} of proceeds to be held in escrow to pay attorney fees and court costs to address the Notary alteration, and conplete sale of my home. The recording issue and alteration was fully the responsibility of XXXX. XXXX offered {$1000.00} in compensation and this was rejected. 

Complaint filed with Rocket Mortgage who has deferred this as an issue for XXXX to address. 

This complaint is being filed to ensure this is remedied.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The three credit unions TransUnion, XXXX XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-19
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. (NY)

This XXXX XXXX XXXX XXXX Transunion LLC, XXXX ) unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Consumer complaint received 2023-05-21
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)

This complaint is against TransUnion consumer solution. 
Company address - XXXX XXXX XXXX XXXX, PA XXXX PHONE # XXXX TRANSUNION CREDIT BUREAU was presented and FTC report based on information on my credit report that's fraudulent company ignored and refuse to remove fraudulent information and incorrect reporting of my report to show these accounts, Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX THESE ACCOUNTS NEED TO BE REMOVED BECAUSE THERE ARE FRAUDULENT ALONG WITH THE INQUIRIES. 

SINCERELY XXXX XXXX - DOB-XXXX
Consumer complaint received 2023-05-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, has violatXXXX XXXX XXXX. 

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 2023-07-29
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. (AR)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.
Consumer complaint received 2023-02-03
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. (FL)

unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-21
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: FIRST PORTFOLIO SERVICING INC (IL)

in accordance with the fair reporting act this creditor, has violated my rights, under 15USC1681 section 602 states i have the right to privacy, 15USC1681 sect 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was notified by XXXX XXXX of a new hard inquiry on XXXX XXXX however this inquiry was not by me with Capitol One. They were contacted toady XXXX and notified of fraud and company stated that they will report the fraud and reverse inquiry and it should be indicated on report within the next 60-90 days.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (OH)

I have an account with upgrade which is a financial technology company. I believe on the XXXX of XXXX they suspended my account it won't let me access the money I have in my account it won't tell me why it's been suspended all they tell me is wait for an email we can't tell you nothing I've called messaged them everything still won't tell me nothing. I'm a XXXX veteran on a fixed income and I need the money I have in there they keep giving me the runaround won't tell me nothing won't send me no information or nothing.
Consumer complaint received 2023-05-21
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: SANTANDER HOLDINGS USA, INC. (FL)

I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (IL)

I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXXTHIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - XXXX  CAN'T JUST PICK AND CHOOSE WHO THE XXXX IT WANTS TO REPORT AND WHEN. XXXX XXXX  is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF XXXX XXXX WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus XXXX currently reports some loans to Experian and may report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which may impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the XXXX app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " XXXX  currently reports some loans to Experian. ''
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (VT)

I received a phone call around XXXX from this company stating that I owed them money for a bill that was not mine. I told them I had sold my house and the debt was not mine and I wanted the bill validated and not to be contacted until then. I did not hear from then. Fast forward to XX/XX/XXXX. I received a notice that there was a collection on my credit report. It was from them. I called them up and spoke to a XXXX XXXX? I told him the debt was not mine and if they had validated it yet. He told me it was up to me to prove it was not my debt. When I asked if they were legally obligated to validate the debt, he told me no. He listed XXXX address that were not mine and got very upset when I asked to speak to a manager and refused to transfer me. They clearly broke the law by not validating the debt after I asked them to and than again when he lied to me stating it was on me and not them to validate it.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (KS)

In XXXX of XXXX, 12 separate charges adding up to {$240.00} dollars appeared on my XXXX XXXX XXXX debit card from an online gambling company called " XXXX XXXX. '' As I do not have ( and have never had ) an account with XXXX XXXX, XXXX XXXX immediately determined that these charges were the result of fraud and removed them from my account. However, XXXX XXXX turned the charges over to a collection agency, TRS Recovery Services, which began attempts to collect the debt. 

In XX/XX/XXXX, Upon receiving communication from TRS Recovery that they were attempting to collect on this {$240.00} debt, I responded in writing informing them that this was not my debt. I will upload and attach that letter ( File " TRS Recovery Letter XX/XX/XXXX '' ) Now in XX/XX/XXXX, TRS Recovery has ignored my written letter from XXXX and is now continuing the debt collection process with a series of 12 separate " second request '' collection letters adding up to the same {$240.00} figure. It seems that my written letter indicating the debt was not mine has simply been ignored.
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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 2023-05-21
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: JPMORGAN CHASE & CO. (FL)

I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
Consumer complaint received 2021-12-17
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: Bread Financial Holdings, Inc. (OH)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.