davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (MI)

Received a debit XXXX  card in the mail from Chime. Did not request a card and tried to call with number on the card and paperwork with card. Only got automated system no way to reach a real person.Called XXXX bank  as they were the issuing bank and they transferred me to Chime. The customer service person spoke English poorly and I was asked for personal info that I refused to give. Explained the situation and they said they would email me with an update when account was dealt with after escalating the issue. Didnt receive an email so I called back later yesterday and was told the account had been closed. Still havent received any email from them. They insist that someone asked for the card and that it is just a debit card not a credit card. They wouldnt give me any idea on how they got my information. Found via internet search that I was not the only person with this exact problem. I believe they are sending these cards out fishing for personal info. They asked for last 4 digits of SS # and a copy of photo ID. Said they couldnt close the account without this info. I pushed back and told them it was illegal to send cards without me requesting one and they didnt require this info after I refused. Not sure if account was actually closed.
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: National Recoveries, Inc. (GA)

on XX/XX/2017 national recovery started the process of wage garnishment for a student loan from the us dept of education for the past year they have been taking 15 % from my paycheck I do not know who national recovery is I have never signed or agreed to do business with them
Consumer complaint received 2023-04-01
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-01
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX  and XXXX report.
Consumer complaint received 2023-04-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Consumer complaint received 2023-04-01
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. (MI)

n accordance with the Fair Credit Reporting act 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 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-01
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. (MA)

Delete all the fraudulent inquiries. as listed below. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX AUTO on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX
Consumer complaint received 2022-08-16
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. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).
Consumer complaint received 2022-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Experian has not allowed me to file a dispute online although I pay premium pricing to utilize their services. Error message reports were experiencing difficulties and this has been ongoing for 3+ months. Ive called several times and am routed to an online virtual assistant which appears to file the dispute but am notified days later with results being ready, only to open the report only containing a failed request for my credit report. This is beyond frustrating because I have the right to dispute and challenge any inaccuracies reporting to these bureaus such as an incorrect late payment being reported and this company is withholding my consumer rights.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

I've tried every, possible source of a resolution between the recipient, Cash App, and my financial bank institution between out poured calls, texts, emails and re-opened disputes and all falled on deaf ears through this I'm at my wit 's end. This is my last formality of recovery of my hard earned wages. XXXX of Last year I responded to promotion of a cabin trip to XXXX XXXX  TN detailing cost, dates ( XXXX ) and Itenaries.Looking over reviews {$250.00} was initiated deposit and submitted via cash app. All through updates and group charts of excitement 2 weeks left into trip date it was announced by mitterrant and advocate of the trip that promotion was not a success outcome due to low head counts of participates trip is cancelled and refunds WILL be allocated by end of XXXX. Allowing well passed XXXX. End of XXXX I reached out, and was given refund status of lack of un services of refunds there on after via text, calls.. Upon other outreach research some individual were in receipt of refunds via promotor and others like myself are still unjustly not refunded and unjustly Not of my behalf of cancellation. Adding insult to injury filing disputes to both financial Institutes Cash app and my consumer bank submiting all communications requested and highlighted of non service rendered via promise of refund. With every denied letter is my eager to NOT give up. My money is value of my hard earnings.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (IN)

Sent a request to MicroBuilt to place a freeze and suppression on my consumer file as well send me a copy of my full consumer report. Have not heard anything back. Please see attached file and fulfil my request immediately thanks
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-08-19
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. (GA)

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Consumer complaint received 2023-04-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (FL)

In my letter I stated a company that I had no prior relationship with had accessed my credit file on multiple occasions. Your response was that it was okay since they were not hard inquiries. I would like to stress EQUIFAX RELEASED INFORMATION TWICE TO AN ENTITY I DID NOT HAVE A PRIOR RELATIONSHIP WITH NOR AUTHORIZE THE RELEASE OF INFORMATION TO. I provided exact dates in my letter. 

XXXX
Consumer complaint received 2023-04-01
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. (SD)

" Delinquent Payment You missed XXXX XXXX XXXX XXXX payments since XX/XX/2022 '' Incorrect. 
There was a period where I missed payments, approx. 14-15 months ( Transunion took points the entire time ), but started paying my acct again and have done so for approx. the past 9 months and haven't missed any payments since ( I have proof ). 
I'd also greatly appreciate professionalism from whomever deals with this, you do not own transunion, you only work for them... .so let 's not take my complaint " personal ''!
Consumer complaint received 2022-08-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # 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 2022-04-29
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: EQUIFAX, INC. (AK)

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (FL)

Firstsource Advantage LLC is calling and harassing my mother about my XXXX XXXX XXXX credit card balance of {$560.00}. This is crossing a line and I want them to stop. Do not call anyone but me about my debt.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department XXXX the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Consumer complaint received 2019-09-16
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. (CA)

XXXX 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Consumer complaint received 2020-09-14
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. (TX)

Transunion RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # 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 2022-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

I was involved in an auto accident with my son in 2021. When they officers arrived they call the ems when the ems arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because Augusta Collection Agency Inc is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX Sheriffs Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.