davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as 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
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies. 
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Date : XX/XX/2022 I realized that I was being charged for an American Express Card that is no longer used and the Annual renewal of {$690.00} needed to be paid. I had received a call from Amex and when I tried to cancel the card all together. The Amex representative said " you will still need to pay Late Fees {$78.00} and Annual renewal charges ( {$690.00} ) for a total amount of {$770.00} because the renewal was XX/XX/2022 and its past XXXX for a refund on the renewal fees and late charge. 

It is still the obligation of the card holder to pay the renewal fee past XXXX no exceptions. This is not stated anywhere within the monthly statement of the renewal charge. Plus if you don't use the card and don't need to pay regular payments you may incur this charge without knowing like I did. And I am now forced to pay without even knowing especially when I setup a paperless account.

I tried to get the card canceled and charges removed but the American Express representative said I need to pay the renewal and fees and at the same time card will be suspended. I just want out of American Express and dont want to be held to my renewal fees and late charges because I dont and will not use the card in the future.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

For the past XXXX years i have been been getting the runaround rom XXXX XXXX. All the documents requested were submitted along with Hardship letter my wife had gotten XXXX. So i was the sole provider for my Family. They recently denied a modifacation but have not been able to explain there reason. They claim there were covid programs but nothing was offered .Last year a representative from SPS called with a lower payment so i said just put in in writing and i can start to pay. The following day a rep from SPS called and stated that this person was not authorized to make that decision ..Every time you call them a different person picks up and tells you a different story. Just not fair.They dont include all the documents i have submitted and tell me to resubmit .them again. The same docs over and over. There are over XXXX reviews on the web site and they are all the same as mine. Over 200 law suites have been settled do to there lack of compassion. Just a group of greedy uncaring people. They should be put out of business and all debt should be forgiven .Respectfully Submitted XXXX XXXX XXXX Veteran.
Consumer complaint received 2022-03-28
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  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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 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. 

Payment reported lated on XXXX
Consumer complaint received 2019-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

In XX/XX/2018 this company Professional Bureau of credit of collections of Maryland applied collections to the credit bureau for an auto loan from several years ago. I called them to notify them that the original vendor XXXX is currently reporting on my credit for this and their placing me in double jeopardy and its resulting in monetary loss. I understand my past and I am paying for it with rebuilding my credit and not taking the easy way out with a bankruptcy. But I also believe I should be treated fairly and these companies should follow the rules. When I contacted them on XX/XX/2018 at roughly XXXX they hung up on me rudely while I politely let them know of their error. All on a recorded line. I would like to have this illegal parking of this debt with no notification or anything removed from my credit report immediately. I made a mistake in the past, had a XXXX and lost everything, doesn't mean I shouldn't be treated fairly, legally and equally. Thank You.
Consumer complaint received 2022-03-29
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. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

" Reported : XXXX CHIME FINANCIAL INC, CHIME INC reported IDENTITY FRAUD DISPUTE as INCORRECT, FRAUD/DISPUTE Account Number Ending In : XXXX '' " Claim ID : XXXX, XXXX Claim Amt : {$3400.00}, {$5100.00} Dispute no accredited XXXX '' " XXXX submitted 1099a through IRS to CHIME INC as beneficiary XXXX : XXXX XXXX XXXX to settle the debt '' " XX/XX/2022 IRS accepted amount and instated transfer of credits '' " Hello XXXX XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team '' '' Chime Financial Inc. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX Transunion and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years XXXX XXXX for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Financial Recovery Services, Inc. (CA)

Hi This collection agency call financial recovery service INC they are sending me the letter because they said this account is charge off basically what happened they close this account and I dont even know I tried to call them last year they did not respond to me but they close my account already last year beginning of last year and I try to call them and tell them I had a hardship due to the pandemic and XXXX-19Because I was sick and my family and they are suffering so bad with XXXX we all are sick but they did not help me and he did not respond me and now they sending me this letter saying that my account is charge off and I have to pay this and also the reporting negative against me I would love to please help me on that hope you and the report and also ask for us for the payment and discharge of card That they never help me.
Consumer complaint received 2021-10-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

A company called Harris and Harris Ltd has been robocalling us repeatedly but we do not have any debts that are in collection. The calls and the numbers they came from were : XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX at XXXX XXXX XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

CONVERGENT OUTSOURCING IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CONVERGENT OUTSOURCING IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. CONVERGENT OUTSOURCING is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), SXXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX XXXX  ( Date opened XXXX XXXX XXXX XXXX XXXX Balance {$810.00}, Original creditor XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXXXXXX ( Date opened XX/XX/XXXX XXXX Balance {$1300.00}, Original creditor XXXX XXXX XXXX  ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc (DE)

I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. XXXX was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. XXXX different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried 3 times to obtain my credit report from Transunion, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and XXXX5 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX.
Consumer complaint received 2019-11-21
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: Sequium Asset Solutions, LLC (MS)

Sequium Solutions refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019, I was informed by US postal service letter from XXXX XXXX XXXX ( XXXX ) that they purchased a " debt '' of {$19000.00} from Capital One credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, XXXX filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with Capital One nor any loans. After several calls to XXXX to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with Capital One and asked for written confirmation the charges and legal ownership of the account. XXXX has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (OH)

I am contacting you today due to the lack of concern with Experian, XXXX and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX   XXXX XXXX {$450.00} XXXX  XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}