davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card
Consumer complaint received 2022-07-06
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. (CA)

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any accounts listed on an IDTheftReport. Ive already included this report in a previous complaint & I have included it again. This complaint is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (CA)

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any accounts listed on an IDTheftReport. Ive already included this report in a previous complaint & I have included it again. This complaint is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

My Name is XXXX XXXX, recently a few weeks ago on XX/XX/21 I lost my wallet containing my Vanilla prepaid debit card. I realized I lost my card that evening and promptly called customer service to order a replacement card. The customer service rep expedited me a new card and also informed me of a unauthorized transaction on my account. A XXXX store in Maryland for {$790.00}, I live in XXXX XXXX XXXX 3 states away over 200 miles away. I was told I should make a claim once the transaction posted to my account. I waited a few days and then did so. Claim # XXXX.Then approximately 2 weeks later I received an email stating my case was denied. I followed the customer service representative advice and waited a few days before filing a claim ( XXXX ) but I notified Vanilla the day I lost my card. ( XXXX ) .I thought I was protected under the 0 % liability agreement if I reported my lost card promptly. I reported my card lost within 10 hours after losing it. I have called on several occasions attempting to get an answer as to why my claim has been denied, and Vanilla has responded by saying they would send documentation showing why they denied my claim but I have not received any documentation. Will you please help me recover my funds. Thanks.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus XXXX, Experian and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

ON THURSDAY THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.
Consumer complaint received 2022-10-11
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. (IL)

On XXXX XXXX a account appeared on my Transunion credit report from a XXXX called XXXX XXXX. Upon calling XXXX XXXX I was informed that they have received a ton a calls from consumers complaining about this erroneous reporting. I have never had an account with XXXX XXXX and they were unsure what was happening and would follow up with me in regards to what happened. I demand that the account is removed from my credit report as it is an error and doesn't belong to me. Transunion is required by law to verify account that are reported to them and they failed to do so. Please remove immediately.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX XXXX' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

The collector says I owe {$1300.00} for breaking a least with XXXX XXXX  XXXXin XXXX, NC in XXXX, they sent me a copy of the lease from XXXX, that shows a lease from XXXX, told them I moved to XXXX, NC XXXX XXXX, ask them to send me lease that showed I was there and to remove from my credit report they haven't done either
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

I just received a letter from Credit Collection Services, XXXX, MA XXXX, saying I owed XXXX XXXX XXXX XXXX {$710.00}. I have been to Florida 3 times : once in college for 4 days, once for a 3 day vacation, and once to help a family member recover from an operation. I live in the XXXX and have never had an account with XXXX XXXX XXXX XXXX. I don't even know who they are. I believe this is a scam.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-07-06
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)

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX. Fast forward to XX/XX/2022 XXXX closed the account and it has a {$0.00} balance on my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. I called the company XXXX regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that XXXX didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022. 

I then filed a dispute with Transunion to investigate to get this item removed but nothing happened.
Consumer complaint received 2022-07-06
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. (LA)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (AZ)

Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Financial ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from Aldous & Associates PLLC ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX XXXX XXXX to send my info to Debt Collections trying to ruin my credit.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX  or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I'm not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX  please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.
Consumer complaint received 2022-07-06
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-08-23
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. (TX)

these 4 Inquiries on my Transunion Credit Credit report are fraudulent XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls PXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ID)

I applied for a refinance through Amerisave and was told I was approved pending an appraisal, I signed all the proper documents and every time a new document was requested I made sure to send it to them. They changed the documents a few times, I reviewed them and resigned as needed. For two months they lead me on telling me repeatedly that I was qualified for the loan only to turn around after I putting money into it and told me I wasn't qualified and they were closing my file. I am out the money and lack trust in them now.
Consumer complaint received 2022-10-11
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)

There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to Experian and XXXX on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent XXXX letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have a personal and business paypal accounts to receive payments for my freelance job. Paypal put permanent limitation on my personal account on XX/XX/XXXX XXXX so i created a business account. They said I violated their policy however they are not willing to disclose what specific violation i committed. My business account was on permanent limitation on XXXX XXXX. I have {$51.00} balance in my personal account. For my business account, i have XXXX, {$310.00} and XXXX balance. Paypal told me to wait for 180 days and they will release my money. I waited for 180 days however paypal already took all my money. I called customer service but they said that there is nothing that they can do. I submitted all the documents that they asked for before but nothing happened.
Consumer complaint received 2021-06-13
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. (NY)

The Following Inquiries are Unauthorized. 
The Bureau was notified _XXXX XXXXXXXX XXXX XXXX XXXX _XXXX XXXX XXXX XXXX XXXX I did not give permission for the Inquiries to be reported on my profile Please Remove Immediately for this is a violation of FCRA policies Thank you
Consumer complaint received 2022-02-13
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. (SC)

XXXX of XXXX XXXX, XXXX notified me that I had a payment due from prior address before I could turn water on at new home. Paid bill immediately with credit card over phone. 
Finding out it had gone to collections, asked company why they did not utilize phone number, address, and emails provided to contact me, their reply was to interrogate when and what time I called about debt. 
They seemed more interested in covering their actions than assisting with discovery as to why I was never notified. 
My credit rating of over XXXX now at XXXX, and XXXX not assisting with investigation at all.
Consumer complaint received 2019-01-10
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: SYNCHRONY FINANCIAL (MI)

I had an open case with Lowe 's XXXX I made in XXXX. At the end of XXXX I received a letter from them on this case saying the reason it took so long was because it was under someone else 's name. I did get the printout and on the print out it said pick up later. I didn't pick these things up. I tried to call them on the number on the letter and I left three messages for them to call me back to discuss this. They failed to call me back even though the message said I would get a call back within 48 hours. the last call I made to the dispute department was a week ago and still no call. 

I didn't pick these things up, My question to them was it the person that they had listed on the purchase order that they mistakenly gave the products to? I never received a call to see if I had picked everything up, Did they perhaps call this man who was listed and ask him if everything was picked up and that is why they closed out the order and just put picked up and completed? 

Their failure to contact me and that it took over two months for them to investigate is very telling.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called the XXXX and TransUnion credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Someone applied for a credit card with Shell/CBNA in my name. I have tried to contact the company and no department will help me. I did not apply for any card with them.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

Late payment is a kind of fraud. According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' so there should be no late payments are to be reported on my credit report.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (GA)

Someone opened a XXXX XXXX XXXX, Nelnet loan, and XXXX under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.