davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I discovered upon XXXX credit report that i am being charged a duplicate medical bill created upon same day. When attempting to call the creditor to resolve the situation i was spoken to in hostilities and had phone hang up in my face. The account reads as ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX ( original creditor is XXXX XXXX XXXX ). I had medical insurance in any event. This account is duplicate to ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX. I contacted the collection agency at XXXX who was a XXXX female providing the most disrespectful tones and hostilities against me the complainant. I do not owe this duplicate bill and it is unfair as well fraud. In fact the XXXX representative would not produce any evidence of any detail reasoning for any the the two duplicate unfair debts. I hope to get this resolved as it has damaged my credit status.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, XXXX , & TransUnion. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION (WI)

I NEVER GOT the money. i cancelled it in XXXX XXXX  and in XXXX. that XXXX XXXX office knows i did not get the money. THEY ought to be ashamed with their answer. outright stealing ( there is crooked person involved ). so i spent the time to contact the bank. here is the transactions at the bank. it was double deposited because of error with the teller at the driverthrough. 
I HAD THIS IN A NICE CHART FORM shows two dep, two returns on XXXX XXXX cust deposit ( i had told the lady that photo didnt show up yet so I gave her the check ) on XXXX XXXX my photo deposit on XXXX - XXXX " returned '' on XXXX - XXXX dep return item AS YOU can SEE I did NOT get the Cash - both returned!! 

the XXXX XXXX office knows I cancelled the transaction. i told XXXX XXXX XXXX too. I told them and wrote to them that I dont want an account. I never had access to the money. XXXX said they SENT me a check to my mailbox, which is like trhowing it in the air. because my it is on the road 1/4 mile from my house and is not monitored, and a hill between, although putting a camera in ) I never received the money!! 

they ruined my credit just when i was getting a new mortgage refinance so they cost me a bundle they should pay {$1000.00} for their KNOWING fraud, THEY never should have sent me a check XXXX XXXX. if that is what they did. I told them they need to see if whatever check they sent XXXX XXXX was Cashed! they didnt even look. THEYMUST REVERSE their MASSIVE interest as I never got the money!!
Consumer complaint received 2022-07-26
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. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (NY)

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 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing open.
Consumer complaint received 2022-07-26
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. (CT)

I HAVE DISPUTED WITH XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A. (CO)

XXXX XXXX XXXX, attorney for the law firm Weltman , Weinberg & Reis Co., L.P.A.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I made a purchase with my Chase Card online at Amazon. Although I used my reward points for this purchase, and points were deducted from my point bank, I was ALSO CHARGED the amount ( {$22.00} ). 

On XX/XX/XXXX this happened again. I used reward points to pay for three items totaling {$100.00}, and used {$27.00} worth of reward points toward the total. However, although the points were deducted and shown as being 'used ', they were not in fact applied to the purchase. 

The company ( Chase card services ) reimbursed the {$22.00} from the XXXX complaint. I am waiting for the paperwork for the second complaint. 

I am concerned that XXXX is defrauding its customers who are n't diligently checking their Amazon.com bills. The Amazon.com bills are PAINFULLY difficult to reconcile with purchases and Chase and Amazon are taking advantage of this to defraud customers of the money they 've earned through reward points. 

Amazon should also be forced to include a description of what you purchased on their bill. Every transaction is labelled the same and even though you might buy three items at once, they show up on your bill as three individual items, often on different dates of purchase. This makes reconciling your monthly bill a nightmare and makes it more difficult to spot errors, like the failure of points to be applied.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

On, XX/XX/2018 I sent a letter disputing an account for Santandar Consumer USA in  regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time Santander failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and Santandar Consumer USA violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
Consumer complaint received 2018-11-18
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: Experian Information Solutions Inc. (NC)

In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
Consumer complaint received 2023-03-24
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. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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
Consumer complaint received 2018-11-18
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)

In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
Consumer complaint received 2018-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to transunion, XXXX and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
Consumer complaint received 2018-08-07
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: TD BANK US HOLDING COMPANY (NY)

I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.
Consumer complaint received 2022-07-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2018-11-18
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. (NV)

My credit report from transunion is inaccurate and everytime over the last year my credit is pulled they are reporting inaccurate information causing me to get declined. transunion is slow to do anything, transunion has also caused a credit account to close after 90 of no usage referencing my score and time of accts and history balance. Im under 30 % DTI they are not reporting this, i have had credit for over 3yrs and my score is over 675. Well transunion is the one reporting these things thats are wrong causing my inquiry 's to build because they wont approve my loans, then saying to many inquirys. This seems abusive because the other two are reporting accurate history under 27 % DTI 100  % on time payments minimal inquiries because they are trying to help for real. I can see that they want me to sign up for their service to help but they should just do there job and report accurate. 

My score should be reporting over 700 like my other credit bureaus
Consumer complaint received 2018-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

Back in 2014 a internet scam company from XXXX had me purchase XXXX products on AMX than send the products to XXXX. AMX was on the phone the whole time approving each transaction and increasing my limit as I told them exactly what was happening. When the product was sent and no money, AMX expected me to pay the amount even though AMX clear the increase in credit limit and was an active participant in the scam
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, I received a mail notification from Chase stating my account interest rate would increase from 10.24 % to 15.24 %, an almost 49 % increase. 

On the statement it claims " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I do not know what these similar accounts are or the criteria for similar accounts might be. The representative on the phone could not adequately explain this to me. 

Also, they state " We also took into account your other Chase relationships when making this change ''. The representative on the phone could not adequately explain how the relationships related to a 5 % APR increase. 

I do not know what the criteria is or how that positively or negatively affects my interest rate. I would like it explained.
Consumer complaint received 2018-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (VA)

I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PARSON BISHOP SERVICES, INC (TN)

XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.
Consumer complaint received 2022-07-26
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018, CFPB provided me with response from PayPal Credit to my complaint about unwanted credit line. In the response, PayPal Credit indicates the line of credit remains open. Since I've earlier closed my PayPal account, I have no access to this credit line and have no way to close it via the website. When called on the phone, PayPal Credit requires the credit line account number that, again, I can not get from my closed PayPal account.