davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both Transunion and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Consumer complaint received 2019-08-26
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: Santander Consumer USA Holdings Inc. (LA)

Re : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

Hello, I'm contacting you about the hard inquiries that have been running on me. 

1. I have a hard inquiry by comcase on XX/XX/XXXX and XX/XX/XXXX, one day after the other. How is that possible? There should be maximum one. 

2. XXXX XXXX XXXX has done a hard inquiry on me when they told me that it will be soft inquiry on XX/XX/XXXX 3. A hard inquiry from XXXX XXXX XXXX XXXX XXXX without remembering asking for my permission. Dated, XX/XX/XXXX All the above was using Equifax
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

A person known as " XXXX XXXX, '' hacked into my Venmo account and sent himself multiple transactions. Each amount going higher. Until the request for {$200.00} was denied for NSF in my account. I notified Venmo that this activity was fraud and they " froze, '' my account while they investigated. ( this is all via chat, btw- Venmo has NO phone communication at the time ) Even though I did not have the available money in my account- venmo authorized all these transactions and ruled them as " non fraudulent. '' So they cost me {$600.00} in overdraft charges right before XXXX while this random person continued to steal from me and Venmo allowed it. 

When I was finally contacted by an " account supervisor, '' she didn't even mention my issue. Simply told me that I needed to pay {$40.00} back to venmo because I disputed the charges with my bank. 

I TOLD VENMO it was fraud. I had proof and logic on my side- but they didn't even care enough to have a human speak to me. I still have not heard a response.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (PA)

Despite XXXX written requests, the exclusions are still listed on my consumer credit report which is a violation of Federal Law. These accounts were initiated by my social security card XXXX XXXX Bank, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Finance Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Pursuant to TILA 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card I used to initiate a consumer credit transaction is a credit card, that means anything thats attached to my social security card is Excluded from my consumer report. Equifax is in violation of willful noncompliance for reporting Excluded items on my consumer credit report for over a year. title 15 USC 1682o ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and 15 USC 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Furthermore, a charge off is consider income. According to the XXXX, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. 

Equifax is reporting XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my accounts.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of  the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from 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
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CO)

I was contacted by RentDebt Automated Collections LLC in XX/XX/XXXX about a debt listed under my name to a previous apartment complex ( XXXX XXXX XXXX ) that I had resided in between XX/XX/XXXX to XX/XX/XXXX. The company claims that I owe around XXXX $ due to apartment cleaning. When I asked them to provide proof that the debt was mine, the only evidence they could send me was my signed lease, which I do not consider proof that I owe this debt. 

The address they have listed on the itemized statement is incorrect, and lists an entirely different apartment complex and apartment number. I have never lived at this address, or rented from that property. 

A month before moving out of the apartment complex, I made sure to pay in full, as well as give XXXX XXXX XXXX my correct forwarding address as well as my cell phone number and email address. I have not changed any of my contact information since then, so XXXX XXXX XXXX could have contacted me at any time about this. I have not heard from them in the year that I have been gone, nor do I have any record of them calling me on my phone records. This debt has been quietly effecting my credit score for a year, which is very upsetting. 

Further more, I believe that this debt company sold my information, as I now am being harassed by scam numbers daily. It is not uncommon to get as many as 14 calls from a single number IN A SINGLE DAY. It is effecting my personal and work life, as my phone constantly rings. Not only am I getting spam calls, after sending a written letter for RentDebt Automated Collections to cease contacting me, they continued to contact  me via phone call about the debt. I will be willing to provide my phone records if need be. 

I will uploaded all documents pertaining, including my letter of denying the debt, as well as their mailed documents to me.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.
Consumer complaint received 2022-06-10
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: Bread Financial Holdings, Inc. (TX)

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates stop the infringing on my right to privacy.
Consumer complaint received 2018-03-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MO)

On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX   money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.
Consumer complaint received 2021-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PORTFOLIO XXXX ... XXXX XXXX ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX I upgraded my XXXX XXXX American Express card to the XXXX XXXX American Express card. The reason I upgraded was to participate in their promotional upgrade offer, specifically : " When you upgrade, your new Card will have a promotional annual fee of {$0.00} for one year. " I printed this out for my records, copy attached, and then upgraded. On XX/XX/XXXX I went online to check my account and was horrified to see that Amex was planning on charging me a {$450.00} annual fee on XX/XX/XXXX. I chatted with an Amex agent on XX/XX/XXXX ( chat copy attached ) who indicated I wasn't eligible for the promotion. I found this peculiar, as my account had obviously been eligible for the upgrade promotion the day before. The agent offered to start an 'investigation ' but warned me it could take up to 8 weeks to conclude, which would put me at dire risk of incurring the {$450.00} fee prior to conclusion of their 'investigation ' which was obviously a non-starter. I am a big fan of American Express, and am writing in order that they refrain from rolling out promotions that some might consider bait and switch, at best. Hopefully my experience might prevent others from suffering the same treatment from Amex.
Consumer complaint received 2018-03-10
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: Experian Information Solutions Inc. (MS)

I am sending this complaint to all three Credit Bureaus ( XXXX, Experian, and XXXX  ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XXXX XXXX XXXX ( XXXX  ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XXXX   complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Hi, Chase closed all my credit card accounts citing too many new accounts : 1 ) I closed several accounts so the absolute number went down compared to 6 month ago 2 ) Chase just approved 2 credit card accounts and now they complain I have to many accounts ( they caused this problem )
Consumer complaint received 2019-03-16
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. (GA)

I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Consumer complaint received 2020-01-29
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. (GA)

XXXX  and Experian are reporting incorrectly that I am ( 120 180 ) days  late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-06-10
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: Self Financial Inc. (MD)

Self Financial/LEAD XXXX This account was a secured loan paid in full. The company was sold and I disputed this account being on my credit report showing I still have a balance and late payments of XXXX XXXX and XXXX which are inaccurate on my credit report. This account is closed and under the FCRA I requested that this be removed from my credit report. The status changed to paid/past due. This account should not be reporting on my credit report as current with inaccurate information.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX 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 2020-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Every time I am contacted by credit acceptance or call them. They use abusive debt collection practices. Demanding I make a payment immediately and then continue to ask why I am late. After, I have called and explained why several times. They refused to accept my card information until I tell them why I am late every time. I have asked them to stop using these tactics and they continue to refuse. This violated the fair debt collection practices laws. I have offered to pay them. Asked the rep. to please stop asking me every time she will not. Then refused to take my payment information. Making it a violation again.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

There are 2 debt collectors that started calling me at 6 months ago and it happens every day. They each call about 15 times a day ... They both start calling at XXXX until XXXX ... 
I've tried a couple times to contact them. It's busy or someone answers saying I have the wrong number.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (PA)

I applied as a driver for XXXX and XXXX, I waited the 7-15 days for my background check to come back and reviewed the contents, the report has a criminal record from XX/XX/XXXX on it from another state, I explained to XXXX that this information was inaccurate and started driving that was XX/XX/XXXX. On XX/XX/XXXX Checkr sent them another report ( unrequested this time ) and they suspended me from driving until they can investigate. Not only is this information inaccurate it is 25 years old and according to my rights should Not be reported at all regardless! These people are ruining lives without checking their facts and XXXX rejected me altogether based on their report. There is absolutely nothing else on my background report, not so much as a speeding ticket, so either that information belongs to someone else or I have been a saint for the last 26 years only either way this should not be on my report, and when I contacted Checkr they told me it would take an additional 30 days before they can resolve this, how am I supposed to live?