davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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)

My name is XXXX 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 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 2022-03-14
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)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IL)

XXXX XXXX XXXX Receivables Management Partners LLC XXXX. 
I was receiving phone calls everyday from this company regarding a debt owed almost XXXX or XXXX  times a day and I never knew who they were calling for and ignored the recorded messages that were left because I couldn't think of any debt I had which could of possibly been outstanding and not taken care of not to mention scams that are on the rise. I finally called to find out more information and they transferred me to someone who said that the debt was for a medical bill from my daughter. I am the one who holds the insurance and never received anything from anyone regarding this debt even from the medical facility there claiming the debt is from. This is not the first time this has happened with this company. They never send any correspondence regarding anything unless you request this from them and that's what I did to find out exactly when this debt occurred and from where and what company. They should not have the right to put anything on a credit report without first sending something to the consumer regarding the debt and the rights you have as a consumer. I told them I do not want this reported on my credit report until I have time to investigate this and something in writing from them regarding this debt they claim I owe. They should be held liable for misinforming you as a consumer.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX XXXX is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX  XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX  and XXXX XXXX  ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (MI)

In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, Experian has said they could not provide a free credit report at this time. XXXX  wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, Experian and XXXX  are trying to complicate or circumvent the free credit report requirement.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

Hi, on or about XX/XX/XXXX I got a solicitation to open a XXXX XXXX credit card issued by Chase, and got approved, shortly there after Chase begun harassing and disturbing the ability to use it. Although have communicated in good faith, there is not good faith on their part, and several calls were either disconnected or the put in hold indefinitely, calls for supervisors or managers were not returned. 

Have filed the following, Sent XX/XX/XXXX XXXX XXXX  To Chase Card Services Subject Account inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I tried using the credit card in two different stores and was declined, then online at the electric utility and was declined again, can you explain? Tnx XXXX begins, ends XXXX Thereafter they resolved some of their issues till XX/XX/XXXX, were they blocked with no reason, attempts to reach them were met by a angry customer service agent in XXXX who asks to much personal information irrelevant to the matter. She refused to identify herself but said to record, asked for a full social security, there is no need, its enough the last four digits, asked for checking account account information, its really irrelevant, finally the same agent has called from a toll free number and from a XXXX country i believe XXXX, ironically the same agent-voice needs a gift card or XXXX  card to unblock the account, clearly Chase 's employees in XXXX or elsewhere conspired with their friends to defraud. 

The following communication was not replied by Chase of yet neither. 

The account was blocked as of yet for any transaction. 

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I made a charge today and was declined, chase did not send a message or email to inquiry. 

Later I got a call from XXXX, a female with non US accent saying she is with Chase to discuss a denied charge. She had children voices and dogs in the background, I asked her for her id and why she had the voices and sound, she said that I can call number in back of the card, I asked to speak to someone in the USA who can identify as a Chase employee as well, and she hanged up.
Consumer complaint received 2022-10-09
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. (PA)

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 2024-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Affirm Holdings, Inc (MD)

I opened an online account with Affirm ( XXXX XXXXXXXX XXXX  ) Ive made 3 deposits. Two have posted and one is still pending! The money has been removed from my other bank on XX/XX/year>, but is still pending. I called and they claim its there, but I have no access to it! I have tried via website and the App. Ive called and get the run around. Its only {$25.00}, but thats not the point.
Consumer complaint received 2022-10-09
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. (PA)

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 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least XXXX agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.
Consumer complaint received 2022-03-14
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. (FL)

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and Experian all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WI)

I currently bank with Chase Bank. On XX/XX/XXXX I was notified through my Chase Mobile app that my checking account was overdrawn 5,000 dollars. I contacted Chase customer service to find out why. I was informed by customer service that a check that was written to me i deposited to my chase account through my chase Mobile app on XX/XX/XXXX was cashed a second time by someone else on XX/XX/XXXX. I then go inside the Chase Bank and was able to speak to a branch manager by the name of XXXX XXXX. I explained to him that the second check was fraud and that the check has to have been stolen from me. He informed me that there was nothing he could do. The only information he gave me was that the check was cashed at a XXXX Bank. I filed an police report on this incident and nothing was done due to me not have any information about who cashed the check the second time on the XXXX of XXXX. I'm having a very hard time fingers out who committed fraud on my account. I tried contacting the person who wrote the check to me, He then contacted his bank XXXX XXXX Bank to find out if they could get any information about who cashed the check the second time and it was unsuccessful. I will like to file an complaint against all 3 banks. Chase Bank, XXXX XXXX Bank and XXXX Bank.
Consumer complaint received 2022-10-09
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. (NJ)

I received email from XXXX XXXX at XX/XX/2022, TransUnion reported at XX/XX/2022. It says, it looks like a lender checked your credit. I did not authorize any lender to check my credit and I dont know who checked my credit
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance (OH)

On or around XX/XX/2019 we took a XXXX payday loan with XXXX XXXX ( NCP ) out. After a few months we noticed the Hugh interest rate which has since changed in Ohio with a max of 27 %. I contacted both XXXX XXXX which is now XXXX XXXX XXXX, and was informed I had to contact NCP, WHICH IS THE ORIGINAL LOAN HOLDER. I BEGGED THEM TO PLEASE LOWER THE RATES DUE TO THE NEW LAW IN OHIO, AND THEY REFUSED TO WORK WITH US. We are more then willing to pay the XXXX with the new rates, but paying XXXX  for 12 months is just to much for us to pay. The last payment is XXXX totaling around XXXX. Please help Thank you
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc. (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (MD)

On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation (OK)

I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :