davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dont recognize any of this inquiry and I didnt authorize to pull my credited Because of that I activated a fraud alert in my report -XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX -XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX - XXXX XXXX  Inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX -XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX -XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX - XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I have had this CITI Bank for 5 years with no past due payments. Last month I got a call that I was past due. I advised that I had not received a bill and found out they were now using electronic billing which I do not use. I advised to send me a paper bill and I would pay it. I received a bill and paid the amount due {$320.00} but not the late fees and penalties. I have called twice refusing the penalties. CITI advises there is nothing they can do but send it to collection. I suggested it go to arbitration but they declined. 
At this point they want {$72.00} to stop the harassment which I refuse. 
Any help would be appreciated.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with your company. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services.

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company.

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay.

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly.

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship.

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureau and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship.This is the accounts needs to be corrected : XXXX XXXX XXXX : {$20000.00}.
Consumer complaint received 2023-01-04
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. (IN)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-05-03
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. (NY)

My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen to me
Consumer complaint received 2018-11-26
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. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX XXXXXXXXXXXX XXXX   XXXX ( duplicate reporting ), XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-26
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. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX ( duplicate reporting ) XXXX XXXXXXXX, XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Consumer complaint received 2018-10-12
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. (DE)

TransUnion is reporting MULTIPLE hard inquiries on my credit report. XX/XX/2018, i sent a letter to the credit bureau asking them to promptly remove these inquires because they are unauthorized, i have gotten no response. I stated that i contacted and sent letters out to the companies who are reporting this fraudulent activity on my report and no response from them as well & still no help from TransUnion. Here are the 25+ Fraudulent inquires that are reporting on my report that i DEMAND removal of : 1. XXXX ( TWICE ) 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX 8. XXXX XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX  XXXX 13. XXXX XXXX XXXX 14. XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CT)

On the XXXX of XXXX I transferred the amount of {$500.00} through chase bank with XXXX to a friend and to date he havent received the money, bank notified me that I might not get back my refund.
Consumer complaint received 2022-06-11
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. (VA)

I received my credit score from my XXXX XXXX credit card. It had dropped by XXXX points. I had a red alert. Someone used my credit report for a credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX oy 2022. It wasnt me. I called XXXX XXXX XXXX and they said yes, someone had used my credit report for a credit check. They canceled it on the spot. They said the credit card didnt go through. I would like to get this taken off my credit report. I have perfect credit. 
It had went on my TransUnion report. XXXX XXXX XXXX  I contacted was as follows. XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX. XXXX I would like for this to be taken care of. Thank You!
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

Since XX/XX/XXXX Rushmore loan management has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

In XX/XX/XXXXmy loans were serviced via Nelnet. I was wrongfully terminated from my employment and asked for unemployment deferment / forbearance. I was told it was granted. I was told it was for up to 3 years since I was also undergoing medical care at the Veteran 's Hospital. In the meantime I filed suit against the XXXX for wrongful termination and XXXX  discrimination. My suit was resolved in my favor the Summer of XX/XX/XXXX. I am now a XXXX ( XXXX employee ) for the XXXX XXXX XXXX XXXX XXXX. Upon renewal of my clearance it came to light that my student loans through Nelnet had been sent to XXXX XXXX XXXX a collection firm for the Department of Education and placed in default status. I contacted Nelnet and was referred to XXXX XXXX  to resolve the issue even after it was determined that whoever placed my loans in forbearance only did it for a month which was puzzling. I have sent XXXX XXXX  a copy of myXX/XX/XXXX XXXX  form showing my gross income before expenses as well a bank documents detailing both company expenses and personal expenses to satisfy the proof of income requirements to arrive at a standard payment plan amount. We agreed on {$350.00} per month and the first payment was debited on theXX/XX/XXXX. XXXX XXXX  is now attempting to increase my regular payment using the gross amount on the XXXX without using any of the bank documentation proving my expenses and refuses to accept bank statements instead of cancelled checks. They also have had me upload Health Insurance documents which include the personal data of my family members which is subject to both HIPPA and Privacy laws. At this time I acknowledge I owe the debt but XXXX XXXX is violating privacy laws and refusing to act in good faith. Today, I received a letter stating that they were still using my gross income instead of my adjusted gross income which arrived in a handwritten envelope without a complete return address stating that it was from XXXX XXXX XXXX. This is a violation of the Debt Collection laws as anyone or entity attempting to collect a debt must truthfully identify themselves to the party which owes the debt. An incomplete address, without the name of the entity, does not satisfy this requirement. I need Nelnet to correct the error on the length of forbearance and have the Department of Education recall my loan back from XXXX XXXX XXXX and return it to Nelnet for proper servicing. At this time Nelnet stated they do not know how to go about it although this is the direction I was given verbally by the Department of Education. At this time all parties are dealing in bad faith.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I never owed money to XXXX, Amsher Collection Services tired to collect almost a year ago, I demanded proof of debt XX/XX/XXXX, they never provided it. Now on XX/XX/XXXX they sent another collection for the same amount. I never owed the money and they never provided proof of debt and certainly not in the 30 days. I believe they're violating the law by attempting to collect again especially since I still do not owe XXXX money and never did.
Consumer complaint received 2022-06-11
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. (TX)

On XX/XX/XXXX, XXXX XXXX XXXX opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXXXXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-12-06
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-03-13
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: PREFERRED CREDIT INC (LA)

It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.
Consumer complaint received 2018-04-12
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: ERC (NY)

On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX   bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.

I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (LA)

Someone open a ChimeXXXXXXXX secure credit card in my name. And it's showing that it's active on my credit report. And I didn't apply for the secure card. It was open on XXXX XXXX 2020. I disputed the account with XXXX to have them remove this fraudulent account from my credit. So they have started a dispute claim for me to have the account removed from my credit.
Consumer complaint received 2022-12-29
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. (NJ)

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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