davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I paid my credit card bill they took out the money out if ny account XXXX times XXXX got reverse the other payment is lingering. When I check I have no available credit when I paid my bill.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

DISCOVER has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The XXXX XXXX XXXX, XXXX XXXX, was set up to pay all my bills and because DISCOVER have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with DISCOVER as the Trustee. As the Trustee, I would like to remind you that DISCOVER, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 
On XX/XX/2022, I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/2022 but my account has not been created.
Consumer complaint received 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I made a phone call on XX/XX/XXXX to mr.cooper to request the removal of PMI on my loan. I spoke to XXXX direct line- ( XXXX ) XXXX and asked me multiple questions about the property and if I had any upgrades on the property ( which I do ) which then led to him asking to run my credit which I explained to him again that I was just looking to get pmi removed not refinanced. He then stated that I would need to have the loan for 11 years in order to qualify removing pmi since it was a fha loan. The loan is from XX/XX/XXXX which would have different rules for the fha loan where the 11 year rule does not apply. 
I then called back to confirm with mr.cooper the date of my loan, I was then told I would receive a letter in the mail by XX/XX/XXXX in regards to my qualifications of removing the loan. XXXX XXXX I receive a document from mr.cooper stating my mortgage has not reached 80 % of original value, and that I have not met the conditions. My loan was XXXX and I owe only {$95000.00}, which means I do meet the conditions for removing pmi. 80 % of XXXX is XXXX. I called mr.cooper XXXX XXXX and they then tried to say it was 78 % not 80 % but I have a document stating otherwise.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (VA)

I noticed I charge of {$250.00} on XX/XX/21 from XXXX XXXX A. I have never been to XXXX XXXX A. I am vegetarian and I do not like their blatent flaunting of their XXXX ideals so I would never support them. My bank, Chime, keeps telling me it is a valid transaction. I did not make this purchase and I want my money back.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I cancelled a subscription service with XXXX XXXX, but Citi continued to pay them through my credit card. I disputed the charges twice on XX/XX/21, twice on XX/XX/21, four times on XX/XX/21, and twice on XX/XX/21. Citi decided they represent XXXX XXXX instead of their client, me, and sided with XXXX XXXX every time. I changed my credit card number, and Citi still allowed XXXX XXXX to charge my account. I called twice to inform them to stop paying, but Citi never stopped. The only way Citi would stop paying XXXX XXXX was for me to close my account, which impacts my credit score.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This company continues to harass me over debt that doesn't belong to me. I've sent in proof of its fraudulence, yet they continue to report it as accurate. In fact, XXXX deleted the accounts due to its lack of merit, but this company had it added back on which is illegal and a violation of my rights. This is causing me extreme anguish and I'm considering litigation. Please remove this account from reporting to the credit bureaus.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (AL)

C/o Security Finance XXXX XXXX XXXX, SC XXXX Good morning, On XX/XX/2018, I paid my account completely off with security finance. I was told by many representatives that negative status would be removed from my account and it would show " Paid as agreed ''. I have called and complained numerous times and nothing has changed. As of today my account is showing closed, account status is still showing I'm 90days pass due on the account which is affecting my credit. Previously my credit score was over 700 until I ran into a financial hardship, my husband was in an accident and my income was the only resource in the household at the time. Once my husband returned to work, I started working on my accounts and paying the balance off. all of my account is showing paid and payment status is showing current because the balance was paid off.
Consumer complaint received 2024-03-05
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :
Consumer complaint received 2024-03-05
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. (TX)

i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.
Consumer complaint received 2021-06-10
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. (TX)

My wallet was stolen & I called to let TransUnion that after that someone has been trying to open accounts in my name, They told me even though it may be fraud there was nothing they could do. I told them that was not right & I have sent the paperwork they requested with no outcome. Please help me get these inquiries off my report because I did not do them.
Consumer complaint received 2018-06-27
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. (CT)

My name is XXXX XXXX XXXX was a victim of your inquiry issue. customer service would not help and take care of the negative inquiries reporting to my credit report thats not mine. All inquiries shall be removed or else I will proceed in higher action. Thank you
Consumer complaint received 2023-01-13
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. (GA)

My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the EXPERIAN is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has EXPERIAN reporting a date of last activity of XX/XX/XXXX while XXXX is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX provided me with letters to send the creditors and I did! Half the letters said return to sender and other half was never discussed! I have contacted trans union to make them aware that I am a victim of their inquiry issues! I spoke with supervisor as well and was on the phone for an hour with still no luck in getting these 28 inquiries removed that I have no knowledge of due to the fact that I have no access to ways to apply for things! Transunion also to me to get creditors to send me a letter of deletion but provided me no way to contact the creditors by phone or mail! And supervisor basically told me there was nothing she could do although she does work at transunion!
Consumer complaint received 2024-03-05
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (FL)

Experian sent notice that it did not appear that my dispute was not sent be me or authorized by me and they havent taken action on my dispute I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.
Consumer complaint received 2021-07-23
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I came back to XXXX after being in XXXX ( my country ) for 13 yrs. I couldn't rent a place to live, lease or buy a car. 
I build my credit to good. 
Now I am receiving from my bank B & A that my credit went to fair. 
I believe that I never barowrd or own any body any money. 
I need to know companies, institutions or individuals who think I owe them some money. Unless someone else 's is using my name. 
My credit is important to me, please help. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.
Consumer complaint received 2023-04-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-05
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. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-04-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-03-05
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. (UT)

This marks my latest endeavor to contest the information within my credit file, which has arisen from an alleged incident of identity theft. Once again, I am forwarding an identity theft report, numbered # XXXX. Pursuant to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are obligated to expunge any information within my file resulting from an alleged identity theft, no later than four business days following the date of receipt, accompanied by ( 1 ) appropriate evidence of the consumer 's identity and ( 2 ) a copy of an identity theft report. Enclosed is the roster of accounts I seek to have removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXXTRANSUNION : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. Please be advised that you have four business days to expunge the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2022-12-02
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-23
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: Avid Acceptance, LLC (VA)

I received a bill due in XX/XX/2019 for XXXX or XXXX dollars paid that and was reported 30 days late by Avid acceptance.
Consumer complaint received 2021-06-10
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. (CA)

im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc. (CA)

I received a call from an unknown number from XXXX area code. I called the number back and a woman answered the phone. I told her I had received a call from this number and how could I help her. She asked if this was XXXX. I stated yes. She asked me my date of birth. I told her I was not going to give my date of birth over the phone until I knew what this was about. She got angry and told me she had my name, my address, my date of birth and my social but couldn't tell me why she was calling until I gave her my date of birth. I said no unless she identified the purpose of the call. She hung up on me. I cross referenced the number and it is HP Sears from XXXX. It is a collection company. I have never received a single bit of correspondence from HP Sears and have no idea why they are calling. I have had my ID stolen and my passport. I am not just going to just give my DOB to anybody over the phone for no reason other than they want to be rude.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (LA)

I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help