davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CA)

On XX/XX/XXXX I have received a new creditKarma debit card ( https : //www.creditkarma.com/ ). On XX/XX/XXXX there was a strange {$1000.00} transaction posted on my checking account. I noticed it on XX/XX/XXXX and filed a dispute ( Case # XXXX ). After several clarification emails on XX/XX/XXXX I was informed " Your case has been escalated to our disputes team for further assistance. Please allow the investigator assigned to your case time to review and address your concerns. '' Ever since I have not heard anything from CreditKarma. I have phoned with them 2 times on Mon XXXX XXXX they told me that the dispute shall be resolved by XX/XX/XXXX the latest and XXXX XXXX they said that they don't know when the dispute is going to be resolved. 

I would like to have these funds to be returned to my bank account and the interest for 1 month of use to be reimbursed. 

Best, XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

Previously i submitted a complaint in regards to identity theft and accounts that I have no knowledge of. Experian responded that the accounts I listed were not accounts on my credit report. After checking, these accounts are still on my report and currently reporting. How was this error overlooked. This needs to be investigated because it was not investigated at all in the first complaint. Very disappointed.
Consumer complaint received 2021-05-15
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. (GA)

I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, Transunion, & XXXXXXXX. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.
Consumer complaint received 2021-05-15
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. (NC)

I sent a Certified letter to both Transunion and XXXX  asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY XXXX Account number : XXXX
Consumer complaint received 2022-04-11
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. (GA)

I have been disputing inaccurate information with Experian via mail for months. I've sent via priority mail, next day air, and regular mail. The exact same disputes total over 6 times sent. They have only sent me auto generated messages via E-Oscar and have not truly taken a look at my letters. I've sent all relevant information needed to receive a thorough investigation which they have failed to do. If the information in question is not immediately removed from my reports I will pursue litigation.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have repeatedly asked for verification and Experian, XXXX, and XXXX not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and Experian, XXXX, and XXXX just keep updating even though I have shown them the fraud.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (NC)

XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
Consumer complaint received 2021-05-15
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. (NC)

I sent a certified letter to Equifax in XX/XX/2021 asking for the original creditor so I can reach out to the company reporting the collection. I have heard no response and it has been over 60 days. I want this account removed since I can not validate the debty.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase Bank regarding my interest shown on my Southwest Rapid Rewards card this morning. I spoke with XXXX and then XXXX who absolutely was no help whatsoever. I utilized two promotional checks on this account. One where the full balance was due in full XX/XX/XXXXand the otherXX/XX/XXXX. I paid the first one off on XX/XX/XXXX -- in addition to all current charges for that month in order NOT to accrue any interests. However, what Chase did was to put the payment towards the offer for {$3500.00} which is due on XX/XX/XXXX and NOT to MONTHLY charges that I paid for. Chase then turn around and FRADULENTLY is now charging me on the purchases which I paid for that month a 25.24 % on {$1200.00}!! This type of bate and switch technique is unethical to which Chase Bank is forcing consumers to pay interest even though they still have a promotional offer which ends on XX/XX/XXXX. I WILL ENSURE THAT EVERY SOCIAL NETWORK AND MEDIA BECOME AWARE OF THIS UNETHICAL and FRAUDULENT TATIC THAT CHASE BANK HAS NOW RESORTED TO!! TOTALLY UNBELIEVABLE!!  Now, I definitely have a reason NOT to INVEST my or my husbands retirements with them.
Consumer complaint received 2022-09-28
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Consumer complaint received 2022-04-11
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. (NC)

XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
Consumer complaint received 2022-04-11
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. (NJ)

I am the author of this complaint, and there is no one acting on my behalf. 

I just love the data This entire complaint is discoverable, and penalties outweigh your intent. 

Know - this will become this companies legacy. 

Item 1 This first issue is tied to the following : 1. This Debt Collector is in fact willfully, not following FCARA/FDCPA 2. When provided with their data in/from a CRA - willfully not responding to the data inaccuracies ' and the illegality of the results 3. Allowing their data- to report as a Creditor, and when they know they DBA as a Debt Collector 4, Failing to follow reporting mandates, when rules and guidance require them to 5. Knowing, that their file produces systematic results. systematically and intentionally 6. And then failing to act legally to mandates that govern them 7. Willfully reporting fields- such as Terms, Pay History and Pay Rating - when, Metro2 says do NOT Item 2 The other issue is Failing to Verify this account 1. Although the original request was not for a VOD- I then and Request to verify that this account is OWNED/Purchased bXXXX XXXX XXXX  . Account for any bill to any alleged Debt you then claim 3. Provide Chain of ownership - as others have claimed to own this alleged debt Metro2 - 1. The specification on how you MUST report, is attached 2. You are - a Debt collector 3. Legal definition, from FTC is available in Section 803 4, The " What not to send '' - is the last page of the attachment 5, You in fact are sending it 6. I have no terms with you 7. You must be aware of the impact of Pay History 8. You then must also be aware of the Pay Rating 9. Those are dedicated data elements for the Creditors Delete your fraudulent tradeline.
Consumer complaint received 2022-04-11
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-23
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: AMERICAN EXPRESS COMPANY (GA)

This company has 2 inquiries on my credit report at the same time XX/XX/XXXX and XX/XX/XXXX of XXXX i did apply but was told that this will a soft check since i already have an account with them
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank allowed someone to open a cc using my ssn XXXX XXXX XXXX. This social belongs to me XXXX XXXX. I am requesting all reporting be deleted and ceased. This account was opened fraudulently. An JCpenney card and XXXX  card was opened under my social at this bank
Consumer complaint received 2023-06-23
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-15
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 submitted a certified letter to the credit bureaus regarding the incorrect information. XXXX and XXXX  corrected the issue ( one removing ) however TransUnion has not updated my credit report or fixed the error. The letter I sent was in XX/XX/2021. If you look at my attached credit report XXXX shows the correct info, that I have not had any late payments with my mortgage. I am not sure how TransUnion can be reporting opposite information. Please Help!!
Consumer complaint received 2022-10-25
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. (LA)

My name is 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 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

I sent stellar to Binance.us 3 months ago. I forgot the memo and was told no problem, 5 days and you'll have it. That was 3 months ago ... I even filed a cfpb and they told you theyw ere in contact with me so you closed it ... They were in contact with me to tell me that my funds would be processed asap, then even told last week, and at the latest, earlier this week, it is now friday and haven't received an email from the last response I sent to them for a week now. I have every email in which they told me it was coming, and even being processed, which in crypto world takes literally an hour tops. This site is scamming us, or has no liquidity to give us our money and we need your help. Do not close this case until my funds are in my account via my indication alone to you. 
# XXXX
Consumer complaint received 2022-10-25
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. (CA)

I have a XXXX hard inquiries on my TransUnion credit report that are a function.of identification thief and according to the fair credit act I want them removed. I will be filing a police report also. I have been informed that my information was contained in a data breach.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (WI)

I was injured in a fall while out of town in a tourist trap in XXXX WI called the Wisconsin XXXX where i hurt my shoulder : I went to what I was told to be an Emergency Room, XXXXXXXX XXXX XXXX for treatment, and was released ; When I was billed i was informed that iit was Associated with XXXX XXXX XXXX and was charged XXXX because the facility was coded as an Urgent Care facility and not an Emergency Room. My insurance carrier would not cover some costs because it was an Urgent Care to an Emergency that i was lead to believe it was and would have been covered by my medical insurance : It turns out that iwas only an Emergency room after XXXX PM at night and I went they a XXXX PM ; Nowhere was this posted or told to me : I protested the charges on the phone and in writing many times XXXX XXXX XXXX XXXX ignored my requests and sold the debt to MEDICREDIT XXXX FOR COLLECTION ; i ALSO CALLED, WROTE AND DISPUTED THE CHARGES WHICH WERE IGNORED AND SUBSEQUENTLY REPORTED As BAD DEBT COLLECTION ON MY CREDIT REPORTS ; i requested the Credit Reporting agencies to investigate and remove the derogatory information on XX/XX/XXXX, They ( XXXX ) claimed they investigated but appears to only validated what the collection company reported with the collection company and the bad debt remains on my credit repair until XXXX. This debt was never justified, never past due and never paid, yet the mark on my credit report claims it was paid and was in collections impacting my credit score : While only a small debt, it clearly points to just how the debtors and collection companies are using their power and illegally weaponizing credit collections by reporting in violations of the Federal Credit Reporting Act. It is requested the CFPB fully investigate the practices of XXXX XXXX XXXX XXXX XXXX WI and the MediCredit XXXX of Maryland for violations and abuses of the credit debt collection and reporting processes : Furthermore, It also requested that the CFBB reevaluate the practices of the credit reporting bureaus with regards to just how they are conducting so-called " Consumer Invnenstigations : '' Its not much of an invention is if al thy do is contact he reported violated and parrot back their response, in fact, it more like a shame investigation. there must be sever consequences for comapnies that abuse their power, destry peopel reputations, and ignore the law
Consumer complaint received 2021-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AR)

On XX/XX/2021, while residing at the XXXX apartments, were constructively evicted as Retaliation for filing written complaints with their Management Company, " XXXX XXXX ''. We were evicted from Our HUD subsidized Apartment without any written notice or good cause, as pursuant to HUD Policy. In XXXX XXXX, a collection company, " Hunter & Warfield '' XXXX XXXX XXXX  XXXX, XXXX FL XXXX has called, and mailed demands for {$360.00}. 
When in fact NO monies were owed, in addition XXXX XXXX Apartment and its Management Company has tried to extort {$680.00}. none of this so called money owed has been shared with HUD by the perpetrators. as a result, We were forced out of Our Housing during the Covid-19 Pandemic. it should be Noted We are XXXX Seniors, and denied the return of Our {$400.00}. deposit.
Consumer complaint received 2022-10-25
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.