davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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. (IL)

I applied for a car loan at in the month and year of XX/XX/XXXX and I Authorized XXXX XXXX XXXX in XXXX to check my credit to see if I qualified for a auto loan. Recently reviewing my credit multiple unauthorized inquiries were made on my credit. XX/XX/2018, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX   XXXX., XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX and XXXX XXXX Auto XX/XX/XXXX a total of 20+ unauthorized hard inquiries were ran on my credit without my permission by financial institutions without my consent. Thank You
Consumer complaint received 2022-12-29
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. (KS)

XXXX & XXXX XXXXXXXX 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 the following was mailed to all credit beaus FCRA 623 ( a ) ( 7 ) Negative Information Police Report ID Theft Affidavit
Consumer complaint received 2023-07-06
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. (OH)

I have been trying to dispute invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-26
Product: Credit 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: JPMORGAN CHASE & CO. (TN)

This complaint goes with the previous complaint I filed with you. This all started in XX/XX/2022. My identity was stolen and my Chase account was hacked and ran the account up over {$6000.00} in charges.They even made fake payments on the account to continue with fraudulent charges which this made the account over drawn from the balance on the card. I have been working with a consumer lawyer to help with this. They have had this account removed from my credit report. Then this week I received another letter from Chase as the account is valid and I am responsible for the {$6000.00}. I am no paying for charges that are not mine. Chase has been awful towards me and has done nothing to help me and I was a loyal card holder with them. They never called me back, I sent in the police report and other documents. They answers were we are still reviewing this and its so annoying and frustrating the way they have treated me.
Consumer complaint received 2019-04-17
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. (MN)

I DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT EXPERIAN STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$21000.00} - XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Consumer complaint received 2023-07-06
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

Collections contacted me through mail XX/XX/2023 regarding a debt with an old psychiatrist bill for the amount of {$810.00}. I was never informed of this balance due prior to the collections letter, I have called and disputed this claim. I was then sent statements that I had never saw regarding this debt to the doctors office for the first time. I have contacted the doctors office where I was screamed at through the phone and hung up on. This amount is not something I was properly notified of owing.
Consumer complaint received 2023-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (TN)

XX/XX/2023 Frost- Arnett called and said I owe a debt I said I do not have any debts I have medical Finicial assistant covered at 100 % through " Ascension Health Care '' they told me to upload all my documents stating my coverage I sent that day all documents for my Finacial Coverage. including how many times I emailed Ascension via there website. 
XX/XX/2023 Frost- Arnett called again asking for payment I spoke with XXXX she said my letter was received but no documents attached. 
I RESENT in ALL docs at XXXX XXXX  XX/XX/2023 XXXX from Frost-Arnett called XXXX XXXX I explained I did not owe the debt she looked in my file said my case was being reviewed, and should be taken care of in the week or XXXX. 
XX/XX/2023 XXXX XXXX from Frost Arnett called asking for payment on debt she saw NO information that my case was being reviewed. 
XX/XX/2023 Frost Arnett sends the First and ONLY Paper letter to my home adress and it says Total amount of the dept NOW : and How would I like to respond!!! 
At this point no one is doing anything to help me and now my credit is going to bad I am thinking of filing a intent to Sue letter to Frost Arnett but thought I would start here first. Thank you so much
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover closed my account XXXX weeks after opening it. Letter stated some error that I didnt have a phone number on file with XXXX. This is incorrect. 

I called in XXXX to find out when the remaining deposit of XXXX and change would be refunded. They stated XXXX billing cycles, which would not be until some time in XXXX. 

They were quick to pay the balance of XXXX and change out of my original XXXX deposit and now they wont refund me in a timely manner? This to me is unacceptable.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (LA)

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account Equiant Financial Services that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and Equiant Financial Services for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item Equiant Financial Services be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX have failed to do so as I requested.
Consumer complaint received 2019-04-17
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. (FL)

Credit Bureau Equifax, XXXX, and XXXX shared my credit report multiple times with multiple banks. I've also mailed all agencies over past 3 months regarding XXXX XXXX on my credit report asking for the original documentation for the account, and to date ( 75 days later ) still have not received the documentation. I've requested this information be removed from my account, but it still appears on my credit report. 
The Consumer Portal for Equifax has been down for months and I can not access the results of my dispute.
Consumer complaint received 2022-10-26
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. (SC)

XXXX XXXX XXXX XXXX XXXX  Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

Failure to receive a credit report as advertised On a website called XXXX there is suppose to be a way a consumer can get a credit report from each of the three credit bureaus once each year. I went to the site this morning with the goal of getting my three reports one from each reporting agency. In the process of following the promts I receive a file from XXXX and XXXX   that was what I expected. They both were PDF files with the information that I requested. 
The Problem was with Experian. I got a print file option, I ask for the file to be Print to File, the file that was sent to my computer was sent to Note Pad and totally unreadable. There was no option to get any other format. I tried to call Experian using the phone number provided on their website XXXX. This was also a problem because there were only two options provided 1 or 2. Neither option provided a way to talk wiith someone about my issue. 
I am writing this complaint because Experian has not provided me a copy of my credit report and I want to receive a copy. If they are not going to provide a copy through the XXXX XXXX website they should remove their business. Other wise it is being falsely advertised. 
I am especially concerned because last year I ran into a problem with Experian not providing me access to my credit report through their online system. I also found out through happenstance that they had frozen my account without any notice to me. I spent valuable time going through your agency attempting to get those issues resolved. I would like to know how is it that they seem to be unethical and continue to have a license to operate.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX. 
Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue. 

I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever. 

I DO NOT AND NEVER HAVE had two cards or two payments! 

Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC! 

The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life. 

My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely. 

All Credit reporting agencies continue to reduce my credit score. 

There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX  dollar company that appears not to care about people, the very reason they are in business in the first place! 

XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!! 

XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good  XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and XXXX, TransUnion and XXXX are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Consumer complaint received 2022-10-26
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX XXXX XXXX of the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

i was informed when i call you guys that this dispute i sent previously was rejected. so i am resending my letter and please review and read the letter i sent and i have attached the FTC that you have requested
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.