davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

XXXX of XXXX, I submitted a Identity police report into my credit reporting file. I called the following credit reporting companies to request a copy of a disputes that I made in XXXX. 
1. XXXX 2, Transunion 3. XXXX Customer service agents for all 3 companies, stated that they would not be able to provide documents of disputes made in XXXX. I am not able to access online.
Consumer complaint received 2022-04-11
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: JPMORGAN CHASE & CO. (GA)

To whom it may concern, I have had a claim opened with Chase Ink business credit card since XX/XX/XXXX. Chase has not provided any update on their claim investigation. 
Background of events : My XXXX login information was stolen and was used to make following XXXX Friends and Family payments with Chase Ink Credit card : XX/XX/XXXX {$180.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} I have opened a dispute with Chase and it's been pending for almost 2 months now. I have provided supporting documentation to Chase, such as police report, confirming my identity was stolen
Consumer complaint received 2018-07-12
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : -XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-13
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)

I sent a dispute letter to TransUnion and XXXX  about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.
Consumer complaint received 2022-04-11
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: The Outsource Group, Inc (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-01-03
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: Armada Corp. (NV)

There is a XXXXXXXX bill that was suppose to be paid by insurance. It was billed incorrectly by the quick care and only they could re bill the insurance using the correct codes. 

However the XXXX  bill is under {$500.00} and should not appear on my credit at all. 

I have poky ed this but and they continue to report it monthly and its an unfair charge to begin with
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NY)

I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

2 years ago I had to pay off debts to get my first house. I called they stated to me that if I paid in full that would delete the credit file on all 3 credit reports which they didn't and its holding out family back from buying a new home.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AZ)

I went to a Western Union office in a XXXX XXXX # XXXX in XXXX, AZ with cash to send to XXXX for some glass bottles for my perfume business. XXXX entered all the information on his terminal. ( XX/XX/18 ) I gave him my passport and driver 's license for identification. When he had it all entered and I proofed the entry I gave him {$2300.00} in cash. He gave me the store receipt for the cash I gave him and the terminal receipt. I was just about to leave when he said, " Wait, they placed HOLD on your account. We need to call XXXX and you need to answer a few questions before they send the money. '' Then we called and they put us on hold for 45 minutes. We gave up thinking they forgot us -- called back and after about 10 minutes they picked up. We explained that I needed to answer some questions before they'd send the money. They said, there is no supervisor here right now -- we will call you back in 2-3 hours. No one returned the call. The next morning I called the number and was on hold 1:12 minutes before I gave up and decided to head back to the store. They listened to my problem and called the phone number they had which was the same as mine -- waited again on hold for 45 minutes. Hung up tried a different phone number the store had -- waited explained what we needed -- put us on hold again. Spent a total of an hour there getting no answers. I asked to speak with the store manager : XXXX. She said she could do nothing about the loss of my money and I would have to take it up with Western Union. I'm frustrated as I can't email them -- and all they do is put me on hold for hours. It's like they are holding my money hostage. I've never used Western Union before and will never use them again. But I deserve to get my cash back as I got no service for fees rendered and much distress. Thank you.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and XXXX XXXX XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX  is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (CA)

I have been trying to get my information updated on my credit report. I have reached out to Experian. XXXX, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Consumer complaint received 2022-01-26
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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (CA)

Since XX/XX/XXXX, this company has been reporting me " 30 Days Late '' to the credit reporting agencies. This started in XX/XX/XXXX. They never sent me a notice of the issue at hand. Instead, they just started reporting me without notification. This is in violation of the Federal Credit Reporting Act. I've sent numerous letters with no written response from the company. I've filed complaints with : XXXX, CFPB, CALIF. State Attorney General in XXXX. This company rescinded all previous actions with no penalties issued. They again started reporting me " 30 Days Late '' in XX/XX/XXXX. On XX/XX/XXXX, I received a Credit Alert from my monitoring service to report an illegal report. I reviewed my credit file and I noticed this company reported me : " DELINQUENT. '' I had not received my statement for the XXXX payment which was due on XX/XX/XXXX. I received the statement on XX/XX/XXXX. 
I have complained to your company in XXXX, and in XXXX. Your agency failed to produce any action or issue any penalties. I am again filing another complaint with your agency in the hopes of some positive action be taken. This company needs to be assessed penalties and fines and I should be compensated for the stress and anxiety I've encountered.
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (TX)

I want these XXXX loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

N accordance with the Fair Credit reporting Act Account XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (OR)

I recently reviewed my entire consumer report and noticed I have unauthorized inquiries on my report. I never authorized XXXX XXXX XXXX XXXX XXXX XXXX pull my credit.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Im so embarrassed and apologetic for my recent behavior with one of the customer service representatives at American Express. I am suffering from severe XX/XX/XXXX and XXXX brought on by the pandemic. Im in the corporate events space and was let go two years ago and unable to find work in my career due to no one attending conferences. My wife was recently diagnosed with an XX/XX/XXXX called XXXX XXXX which is preventing us from having a XXXX  child, XXXX dropped my home due to a puff back claim from soot damage caused by a fireplace in the home, my mom is in severe pain suffering from XXXX XX/XX/XXXX, has never met her grandson, wasnt at my wedding and XX/XX/XXXX because of the pain and emotional suffering. Im trying to manage the soot clean up and find an insurer to replace XXXX as Im being dropped do to claims history. XX/XX/XXXX XXXX, XXXX, The car dealerships, sons school and camp, every home service provider, XXXX, XXXX, XXXX, the XX/XX/XXXX storing my sons blood, pharmacy all have my American Express card for billing purposes and everything is set up through auto pay. I have never missed a payment and never had an issue with American Express over the past 25 years. 

Im so apologetic that nothing like what occurred will EVER occur again. Since my card was cut off my life is spiraling out of control, and I want to regain control. Im begging you for forgiveness and mercy. No situation or circumstance should have brought about my language, and it will NEVER happen again. Im begging to PLEASE be reinstated as a customer. I would like to move my rewards points over to one of your hotel partners as well. 

My wife, who is a newly minted physician at New York XXXX XXXX XXXX, was unable to pay to automated parking garage fee last night with the AmEx card I provided her. I was unable to purchase XX/XX/XXXX with my card last night prompting me to call only to find out that I was cancelled as a customer after a loyal 25 plus years. We have no other credit cards as my entire life was set up with AmeEx through automated bill payments. My XXXX XXXX XXXX has a tuition payment due, a camp payment due, HVAC work that needs to be paid off. 

Im begging to please be reinstated. I no longer live in XXXX so please reach me by email or a call would be most appreciated. 

Best, XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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)

These inquiries do not belong on my credit report since they are not tied to an account. This is an unfair representation of my creditworthiness. 
Inquiry 1 : XXXX - XXXXXXXX XXXX  on XXXX XXXX, 2022 Inquiry 2 : XXXXXXXX XXXX on XX/XX/2022 Inquiry 3 : XXXX - XXXX XXXX on XX/XX/2022 XXXX5 U.S Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Consumer complaint received 2022-01-26
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: HYUNDAI CAPITAL AMERICA (FL)

HYUNDAI FINANCE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-11
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (GA)

I called the fraud department of experian on XX/XX/2020 to have Fraudulent addresses removed from my Credit report I told them that I noticed fraudulent addresses on my credit report and According to the FCRA this or these unauthorized and unverified account must be removed immediately. Experian did not comply and sent me an email wanting more information instead of complying with my request
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Bank of America Fraud Department, My soon to be ex, XXXX XXXX, has written 2 cash advance checks and forged my signature. I've been at the bank several times calling to get copies of the checks, and called the fraud department many times. I've been assured that the copies of the checks will be faxed to me within 24hr, emailed to me within 2-4days and mailed to me within 7-10 days. I have received only via fax the last statement of the account which I'm late on, since it is fraud ( you did not approved it ). 
The first check was on XX/XX/XXXX for the amount of {$6000.00}, and the second was on XX/XX/XXXX for the amount of {$9000.00}. 
Please send me the copies of these check ASAP as I have a court date on XX/XX/XXXX and need to show it to the judge. Also please approve the fraud as I DID NOT WRITE THESE CHECKS.