davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (PA)

Hi, Our family was on a summer vacation in XXXX when my credit card ( American Express ) was hacked and charged {$990.00} twice on XX/XX/XXXX. Because both transactions were completed outside of the United States, American Express charged an additional {$26.00} twice. I did not authorize or use my credit card for a total of {$2000.00}. I've been in constant contact with Amex to get this resolved, but they're just giving me the runaround. We have made at least seven phone calls and chatted with customer service, but all of our efforts have been in vain. All calls are redirected to some foreign location and they just don't care about our problem. They are repeatedly closing our complaints based on false information and claiming that we asked them to do so. 

Please assist!
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-09-07
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. (TX)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2018-09-03
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: Prosper Marketplace, Inc. (FL)

I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and Prosper that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Consumer complaint received 2018-09-03
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: Avant Credit Corporation (FL)

I checked my credit report, noticed two inquiries from XXXX XXXX, Avant and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. ()

My late mother had a mortgage on her home ; she passed away in XX/XX/2018 and I have inherited the home, where I live. I have corresponded both in writing and on the telephone with the lender, Chase Mortgage, about assuming the loan under the provisions of the Garn-St Germain Depository Institutions Act. I get nothing from Chase but form letters saying the mortgage is not assumable, even after citing Garn-St. Germain to them. On hour-long telephone calls, I talk to several different people who, like automatons parrot " the loan is not assumable '', " the loan is not assumable '', even when I quote Garn-Ste Germain to them. No one will even admit Garn-St Germain exists, no one will tell me why the loan is not assumable. I just get stone-walled. 

I have been paying the mortgage under my mother 's name and SSN, so have lost out on any claim for mortgage interest tax deduction. I have had it with Chase Mortgage and intend to pay off the mortgage just to get shed of having to deal with this no-customer service organization. A big raspberry to Chase Mortgage ...
Consumer complaint received 2021-02-09
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. (AL)

I pulled my Equifax report and there are inquiries on my report that I did not authorize. I request that the follow inquiries be removed promptly to reflect correct reporting. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-07-25
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2019-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (NJ)

I received a collection notice from XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, Texas for a {$370.00} charge. I reached out to the alleged hospital in which they are claiming this debt it due and confirmed that there was no remaining balance and my health insurance took care of the bill for that date of service. I contacted XXXX XXXX via certified mail not once but 3 times requesting they send me validation, not verification, that this balance is in fact my responsible and from the original creditor. They had 30 days to respond with validation which they did not do so therefore they are in violation of the FTC by reporting this as a bad debt to my credit report. I demand this be removed from my credit report ASAP. This company is unethical and is reporting invalid information which is detrimental to my credit health and worthiness. If they do not remove this invalid information from my credit report, I will be seeking legal action against them.
Consumer complaint received 2019-04-06
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)

XXXX XXXX XXXX  and XXXX XXXX XXXX  reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$69000.00} for XXXX XXXX and {$2300.00} for XXXX. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and tile 15 U.S.C Section 1632- Form of Disclosure ( 2 ) Creditor to provide contracts to theBureau. As defined under title 18 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MD)

I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. 

She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. 

XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.
Consumer complaint received 2022-09-07
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. (TX)

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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (SC)

I have renewed several loans with World Finance and have always had job loss insurance protection. On XX/XX/2014 I had a mutual agreement to leave the company. I went to the finance company to fill out the job loss papers. I was told I was not eligible unless I was receiving unemployment but because of what the company told unemployment I was disqualified for 20 weeks which was the length I could draw. I was contacted by one collection company and so I sent them the job loss application. Last month i was contacted by another collection company which I will forward them the same papers. Since I lost my job back in XX/XX/2014 I have moved to XXXX, SC and a lot of my papers were thrown out because I had my son getting my things from XXXX XXXX, SC. My new mailing address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.
Consumer complaint received 2018-09-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (GA)

I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMER CR ACPT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Consumer complaint received 2022-03-30
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. (CT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2019-04-06
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: DISCOVER BANK (NY)

XXXX XXXX student Loans company and Discover Student Loans   reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for Discover. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

On XX/XX/2021 MRS Associates reported a bad debt of {$560.00} to credit bureaus that is adversely affecting my credit. They did this even though this debt has been resolved and was not mine to begin with and they did this without the courtesy of a letter of phone call to me. They are acting on behalf of their client, XXXX, re : a cable bill. I have all of the documentation to back up why I do not owe XXXX a XXXX and how this debt had already been adjudicated in the past. In fact, MRS already knew this debt was nonsense and still did this to me. This feels like criminal behavior on the part of MRS Associates and I am furious that a company so dishonest as them can effect the credit of a person who pays their bills. I have contacted them on their website and email address 5 days ago but have still not received a response. In the meantime, my credit suffers because of these negligent clowns.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Found a problem on my existing credit report dated XX/XX/2022. Conf. XXXX, mailed to me. 

Under soft inquiries on page 8 of 14, I found derogatory information inserted between street address and city of an soft inquiry. The derogatory information reads " LOSS MITIGATION '' between XXXX  XXXX XXXX LOSS MITIGRATION XXXX XXXX TX. 
and dated XX/XX/2022. 

NOT a proper entry. There is no bad information anywhere else on the whole report. 
Called the Credit Union, and they deny any such entry of 'LOSS MITIGATION '' put in between street address and city names. 

Asked Equifax to investigate - confirmation number XXXX. - I can't find this number ever being filed 24 hours later.

During the process, I asked the agents name- he refused to give it to me. I asked for his supervisor and he put me on hold for over 45 minutes and then hung up on me.

During this process, I asked for a corrected Credit Report- he said it was impossible to mail it to me at my current address, even though the original credit report was mailed to me at my correct address.

My ideas and assessment of the problem : 1. A mixing of two credit files which inserted bad data on page 8 under Company Information. The credit union denies this derogatory information.

2. Equifax states this is an improper method of reporting.

3. Equifax failed to identify the agent name and ID number or allow me to speak to his supervisor.

4. Exquifax said they can NOT mail a corrected credit file to my address under original credit file number XXXX at the same address. 
5. I am looking for employment and this derogatory information may hurt my chances.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/2023 I called Portfolio Recovery Associates and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XX/XX/XXXX.
Consumer complaint received 2018-09-03
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. (CA)

Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* XXXX  '.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Clarity Services (GA)

I applied for a loan with XXXX and was declined. My decline notice said that Clarity Services Inc, XXXX. XXXX XXXX, XXXX, FL XXXX was Unable to verify my identity. 

I was unaware that this credit reporting agency even existed, XXXX knows my identity online. I was unable to request an immediate copy of my report online and had to fax over a request. 

Why aren't people made aware of the existence of this reporting agency like the big 3 and why do they not provide online report immediate access? Now I am being impacted by not being able to obtain a loan because of this company. 

I am amazed that there would be other credit reporting agencies that consumers are not aware of that impact their livelihood until they are declined. XXXX/Clarity should know better.