davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

THIS DEBT AMOUNT OF {$1200.00} IS INCORRECT, CREDIT LIMIT WAS {$700.00} AND WAS PAID, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX 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 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. 1681s-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 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Hello, We received letters dated XX/XX/2022 from J.P Morgan Chase bank that they decided to close all our accounts, 5 personal and 2 business. We are a local community doctors medical office who is surviving the financial toughness of this pandemic along with helping the sick community in XXXX north suburbs. The bank decided to end all relationships with us and our company without any given reason. They close two of our business accounts and five personal accounts. We ( family and business ) being customers with Chase bank for 17 years, never had an issue. Unfortunately, without any explanation all our accounts decided to be closed. My attempts to get answers from the branch manager in person and from the support team over the phone had no success. This act causes sufficient damage to all our operations during tough times of fighting with XXXX  related problems. We deserve at least an explanation why the bank is throwing us away.
Consumer complaint received 2021-12-04
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. (SC)

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers
Consumer complaint received 2023-04-06
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. (NY)

My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (OH)

I received a letter from Fidelity Properties , Inc. that included four medical bills for my daughter. Three of the charges were from after she turned XXXX, which I am not liable. The additional charge, from when she was a minor, would have been covered under insurance. I had previously spoken to the collection agency regarding these issues, possibly last year. I received an additional letter today and called them again. I spoke to XXXX XXXX, who stated that the information was already in the file from my previous phone call. However, they continue to pursue me for debt that I am not liable for and debt that should be returned to the original creditor for proper billing.
Consumer complaint received 2022-06-10
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. (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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX 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 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. 1681s-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 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (NY)

I had closed my credit card with ContinentalFinance and they sent me a refund check-XXXX for {$50.00} which bounced onXXXX and i was charged {$15.00} for the check bouncing.I wrote to Continental finance at their XXXX, DE and requested a {$15.00} refund for the bounced check two weeks ago-never received a response from CDontinental. I would like to be refunded {$15.00}.
Consumer complaint received 2024-02-27
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. (TX)

I am writing to express my urgent concern regarding the presence of fraudulent items on my account and to demand their immediate removal. As a victim of fraudulent activity, I expect your company to take swift and decisive action to rectify this situation and protect my financial well-being. 

Upon reviewing my account statement, I discovered several unauthorized transactions and charges that I did not initiate. These fraudulent items not only compromise my financial security but also erode my trust in your company 's ability to safeguard its customers ' accounts. 

I demand that these fraudulent items be promptly removed from my account without further delay. It is imperative that your company takes proactive measures to investigate these unauthorized transactions and prevent any further unauthorized activity from occurring. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

I also expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes
Consumer complaint received 2022-06-10
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. (PA)

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I opened a chime account and had money sent there and never got the card and they allowed someone to change my information, after fighting to get control of my account back I found out the money I had sent there was gone XXXX dollars I made a dispute and they returned XXXX dollars out of XXXX dollars and have refused to help me get the rest back, I have filed a police report and pressed charges and never used the virtual card they issue as I do not know how to use it or who accepts it it took me months to get my account back and get a real card activated to this account, I need help as I need this money for my medications and they keep closing my dispute in less then 24 hours obviously they do not care about someone stealing money sent to help me
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-25
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. (LA)

I contacted all 3 bureaus several times in reference to a child support case on my file and they are still reporting it. It's not mine it's my sons
Consumer complaint received 2022-06-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LEXISNEXIS (NY)

I am XXXX XXXX XXXX  and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, XXXX XXXX and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX 
On XX/XX/XXXX the company responded with a letter dated XX/XX/2021. I have applied for a card after the 30 day wait requested in the letter attached. XXXX has wilfully neglected me of my right to the open credit line associated with XXXX. 

Adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions XXXX XXXX  doing business as LexisNexis XXXX XXXX are now civilly liable to pay me for the damages. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX XXXX XXXX doing business as XXXX XXXX on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by LexisNexis Risk Solutions XXXX XXXX doing business as LexisNexis & XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions Bureau XXXX doing business as LexisNexis XXXX XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NY)

XX/XX/XXXX, I logged on to my credit reports to verify everything was correct and noticed information in all three credit reports of a XXXX XXXX of {$1300.00} opened in XX/XX/2018. A inquiry was made in XX/XX/2018. I also noticed an address that was new. Only showed up in the XXXX report as XXXX XXXX XXXX, XXXX, XXXX XXXX, OK, XXXX. I have already filed a complaint, letters, to all three credit agencies, as well as the FTC this week. I have filed with my local police force of this incident, as well. 
I have only contacted and notified the collection agency, Berlin-Wheeler Inc, of this incident so far.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc. (NJ)

Recovery Management Solutions continously calls and violates FTC guidelines by not identifying themselves as a debt collector PRIOR to asking me to identify myself. 

RMS continues to call and ignore my request to to cease and desist calling.

RMS has ignored my dispute of any debt included in my XXXX XXXX bankruptcy filed in XX/XX/2016.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrated Recovery Services (FL)

XXXX XXXX XXXX added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from XXXX XXXX XXXX. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.