davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for American Express credit card online 2015 which was never sent via mail. I got in touch with American Express to find out if I was approved, they said they sent a card, I told them I never received it, they said they would send another card, which I never received. I did n't receive anything from American Express until a year later for a charge of XXXX $ for apparently being a member. I never used any service with them, or receive the credit card via mail. I called them about the charge and let them know I never received the card or used any of their service so they should cancel the account and remove the XXXX $ charge which they refused.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (PA)

On XXXX I agreed to paid to delete for XXXX. They took first payment out of XXXX on the XXXX and I have laid XXXX already with 2 payments left. Once we agreed they reported to credit bureau and they weren't supposed to as I was never contracted with them originally. I was willing to pay off portion as a show of goodwill under certain conditions They would not list this debt as a settled account Company would not sell or transfer Would not mention to outside third parties etc
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Child Support Recovery Services, Inc. (MD)

This seems to be a medical claim I had XXXX insurance companies and therefore no medical bill should be on my credit report this looks as if it was a XXXX for my son that did not go to the insurance company it 's being reported on my report as if it 's current it 's old and should have been billed to XXXX and united health care I do n't owe for this at all this is reported multiple times and re aged which is illegal
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 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 2023-07-07
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. (SC)

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 inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXXXXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2017-08-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX is reporting on Transunion and XXXX a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Consumer complaint received 2022-10-16
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. (LA)

There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXXXXXX XXXX. I did however work for XXXXXXXX XXXX  which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MS)

Credence Resource Management has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX
Consumer complaint received 2022-10-26
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. (MO)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (CA)

I live with my son. He was out of work.he is XXXX.We could not pay the rent in XXXX, 2018, and we were threatened with a 3 day notice. 
I was desperate and full of fear of homelessness. I had debilitating nightmares of being on the streets.Im a senior on social security. 
I found CHECK INTO CASH on XXXX XXXX XXXX, XXXX XXXX, and borrowed {$5300.00} from that company. This was going to pay the rent until my son was working again. NOTHING ABOUT THE LOAN WAS EXPLAINED TO ME. Absolutely nothing. I made the loan in desperation. They took the title of my beloved car.
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Between yesterday and today (XX/XX/XXXX-XX/XX/XXXX ), I tried to get my TransUnion credit report from XXXX four separate times. However, TransUnion 's end of the web site is broken and presented the same system error each of the four times. These attempts were made in different browsers, on different computers, and from different networks. Attached to this complaint is a PDF of the error message that resulted from my most recent attempt to retrieve my credit report today. It is clear that TransUnion 's part of the XXXX  request web site is broken and has been broken for days ( if not longer ) in violation of multiple provisions of 12 CFR part 1022.136.
Consumer complaint received 2017-08-17
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. (CA)

XXXX is reporting on Equifax a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-26
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. (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 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 2022-08-31
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. (NY)

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. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2023-09-25
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. (PA)

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my credit profile. ive requested for my information to be validated an verified an have gotten no reply. this has caused major effect to my credit profile an needs to be corrected asap. please review an remove the listed items that are inaccurate to clear my credit report asap.
Consumer complaint received 2023-06-12
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. (CA)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXX Bank, Account Name : XXXX, Account Name : XXXX Data, Account Name : Capital XXXX, Account Name : XXXX DEPARTMENT OF EDUCATION, Account Name, XXXX XXXX
Consumer complaint received 2023-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

My original mortgage loan servicer was XXXX XXXX. I went to them because I was having difficulties with my business during Covid, and they put me on a mortgage forbearance/deferral. At the end of the term of the forbearance. They sold the mortgage to round point mortgage company. Now round point to saying I have a balloon payment at the end when there is never a mention of any balloon payment, it was always told to me from XXXX that they would add the amount of time that I did not pay the loan to extend past the end of the loan. Im also having issues that I want to pay off this balloon payment before the end of the loan and they wont even allow me. They are saying verbally I cant send payments to pay the balloon off. I need help this is not fair. Ill be in my XXXX expected to come up with {$20000.00} or saddle my children down with this balloon payment that I never ever agreed to and they have no paperwork with regards to it either because I keep asking both companies about this.
Consumer complaint received 2017-08-17
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. (SC)

Transunion had a system glitch that resulted in many of my inquiries being deleted from my report. Tranunion added the inquiries back without notifying me. I contacted Transunion but they refused to remove the inquiries. My rights were violated by Transunion and it is not fair that their error is affecting my credit report and score negatively.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting on XXXX a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.
Consumer complaint received 2022-10-27
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Levy & Associates, LLC (OH)

I am writing to dispute the validity of the debt referenced in your recent correspondence as well as the attempted garnishment of my wages. According to your letter, the debt pertains to an individual named XXXX XXXX. However, it is imperative to clarify that I am XXXX XXXX, and I have never incurred the alleged debt nor authorized any individual to use my personal information for such purposes. 

It has come to my attention that my identity has been unlawfully utilized by an unknown party without my consent, resulting in this erroneous attempt to garnish my wages. As a victim of identity theft, I am taking immediate action to rectify this matter and protect my rights.