davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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. (FL)

I was checking my credit report and i saw accounts which are not related to me. I don't recognize all these accounts, i don't know where did you get them from, I have never sign any contracts or agreements with these companies.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Late one night about six years ago, we rushed our XXXX cat to XXXX XXXX XXXX XXXX in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a XXXX application under our noses, which we signed under duress. 

XXXX, also known as XXXX XXXX, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. XXXX  has been investigated by the New York State Attorney General and in XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX   XXXX but insisted he could " catch it '' by putting the cat under general XXXX and removing part of his XXXX. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XXXX I was having difficulty making the payments and called XXXX to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to Midland Funding, LLC a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " XXXX XXXX'. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX, I filed Chapter XXXX Bankruptcy as part of my divorce. Target Card Services was listed as one of the creditors. At the time I was, and had been, current with this account.

Target Card Services has repeatedly reported me as either late, or has misreported the bankruptcy as " dismissed '' throughout the process. I have called Target multiple times and asked them to correct it. The trustee arranged the payment with Target and they were paid 100 % of the amount owed on the schedule that was mutually established.

I finally spoke with a woman in the Charge Off department on XX/XX/XXXX. It was apparent that she did not know the difference between a Chapter XXXX and a Chapter XXXX bankruptcy and tried to shame me by saying that the account was charged off because I didn't pay my bills. I repeatedly tried to explain what I was told regarding this and the woman kept talking over me and saying that Target doesn't have to follow the same rules as other companies. It was obvious that I wasn't getting anywhere, so I am asking you to intervene to get this corrected.
Consumer complaint received 2020-02-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the equifax breach
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-15
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. (GA)

Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-24
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. (FL)

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXXXXXX XXXXExperian XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Consumer complaint received 2022-06-18
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: LEXISNEXIS (FL)

I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with XXXX XXXX.
Consumer complaint received 2018-05-15
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: EQUIFAX, INC. (AL)

The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number # 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 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-18
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with XXXX XXXX.
Consumer complaint received 2018-05-15
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. (TN)

I reported to XXXX to investigate 2 hard inquiries on my XXXX and Transunion credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

I contacted this collection agency back in XX/XX/2018 regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2022 on Sunday at XXXX I deposited {$510.00} dollars in my account and it gave me a receipt saying to call the number to make sure the money was deposited into the account I then called the claim specialist for Chase banking they made a claim incorrectly for {$310.00} and the gave me a claim of {$3.00} dollars I then called again to fix the issue after I fixed the issue I then called back again and they said they cant give me my money back because they said it was only {$3.00} dollars in the atm
Consumer complaint received 2022-02-02
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. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

XX/XX/2020. I am a United States veteran. Moneygram International withdrew {$600.00} from my bank account ( debit card ). I was given a reference number and an e-mail that the transfer was sent. When the receiver went to get the money they stated they needed my I.D . I went in person to Walmart.  The Walmart agent called Moneygram to verify that myself, the sender, was present with my I.D . along with the receiver. The receiver attempted twice to get the money. The system crashed the first time and the second time was when it was said my I.D . was needed which a Wal-Mart supervisor verified after being questioned by the Moneygram agent. It was hours between the time I did the online transaction and the time the receiver attempted to get the money. So an e-mail could have been sent to alert me of any issues ; yet nothing was sent. Now the transaction got cancelled and I was told I would have to wait 3 to 10 days to get my {$600.00} sent to my account. I was getting the money to help my sick mother with XXXX   problems pay her residential expenses emergently and they put me in a bad situation biasly. I heard much laughter in tge background during the call. Reference number for the transaction at Moneygram is XXXX.
Consumer complaint received 2022-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was XXXX in XXXX to multiple different countries as well as in XXXX. 
I missed payments during both of these events due to fraudulent activity. I had to change banks at one point. I was impacted by a work injury that made me legally not able XXXX XXXX. Which made my wife quit her job to assist me. My family and I were even more so greatly impacted by XXXX XXXX which yet again impacted our income futher. I informed capital one of all of this, giving all the supporting documents they could need. They have denied my request 3 times.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

I am the victim of identity theft and my account information was stolen. I received alerts on my cellphone informing me large purchases was made using my account number. Three transactions totaling {$700.00} was charged ( XX/XX/XXXX {$300.00}, XX/XX/XXXX {$210.00} and XX/XX/XXXX {$180.00} ). I  immediately contacted Amex to have my account closed. At that time, the representative closed my account and issued another card. They also emailed me a Declaration of Fraud form to complete and send back. I completed and submitted the form and I was told that Amex doesn't issue a temporary credit until the investigation is complete. It will take up to 10 days for the investigation to complete and at that time a decision will be made if a credit would be issued or not. On XX/XX/XXXX, I received and email to inform me that the investigation was closed and I will NOT be issued a refund of my stolen money. I was instructed to send a request to the company if I wanted to review the documentation leading to this decision. I have NOT received any documentation from the company that supported their decision not to refund me the stolen money. The only information I received was that " They '' investigated the claim and found the charges to be authorized. That is completely false. I did not make or authorize those charges and the company can not provide me with evidence of the investigation. I am requesting a full refund of the money that was stolen from me and Amex did not do their due diligence to protect my account information.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

I have submitted numerous notices to this organization requesting to see proof I opened this account or entered into this contract. They respond with recent payments, purchases, and balances that are not mine. 

I did not open this account nor contracted with this organization in any way. Yet they have extremely sensitive personal information of mine that I did not authorize them to attain. 

I do not recognize any of the purchases, payments or any statement information they provide. They claim I signed up for their credit card online, where I did not such thing as I have not had a credit card for 3 years now. 

This debt they claim is mine is not mine and they have yet to prove to the contrary, harassing me with notices irrelevant to me. 

This account/contract is void ab initio and must be cleared from my record immediately, and all my personal sensitive information must be removed from their database immediately.