davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: N.A.R., Inc. (UT)

XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2023 I got a txt msg from Chime asking if I authorize a transaction, I replied No ; and they replied back to me that the transaction was block an decline. They I kept getting the same txt but different amount over and over and I kept replying No. So, I login to my account and see 6 pending transaction within 6 minutes at the same location. So I called Chime and while I was with them on the phone some of the transactions where coming in. They told me that the transactions are pending and will be rolled back to my account. Chime later approved the transaction, they blocked my card saying they'll send me a new on, I didn't receive the new card in 10 days until I call again. I got the new card on the mail and still Chime refused to tollback, credit or refund my money back. Chime is a Fraud enabler, they authorize transaction fully knowing its fraud and leave the customers with zero, empty handed. If you link your paycheck, it will be the same Chime will steal all you funds in a minute. It shouldn't be that easy and that's exile I fully believe Chime and they employees are stealing customers money. I JUST NEED ALL MY MONEY BACK. IT'S BEEN 15 DAYS NOW!
Consumer complaint received 2020-06-03
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days  late on the XXXX 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. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. 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 this however, I have not been successful.
Consumer complaint received 2022-10-14
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: LEXISNEXIS (GA)

XXXX is reporting a bankruptcy on my credit report, stating that LexisNexis Consumer Center was verified by your company with the United States Bankruptcy Court, But the United States Bankruptcy states in this Letter Notice Regarding Credit Reporting, and this is a clear violation of the FCRA.
Consumer complaint received 2022-04-30
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. (FL)

XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.
Consumer complaint received 2019-09-29
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. (WI)

I was informed that my data had been released/breached by Equifax. I attempted to file a claim for compensation after verifying that my data had been compromised, and I was emailed saying my compensation request for {$120.00} was denied, with no further recourse, and I had no email confirming my submission to the class action. 

I sent an email complaining to the company in early XXXX, and received no response. Was this another scam to collect SSNs and no intention of honoring their settlement? I cant even get credit monitoring now, and may miss the action deadline.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2021-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-03-16
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. (NH)

Experian was sent several items on my report that I asked to be verified with original documents from the creditors. They did an investigation with the eoscar and did not follow the law that is in place. All of the items where just left in place and they sent me a new report. I also asked them to take several address off my report that did not belong to me and I furnished my license with an electric bill to prove my current address. They refuse to take this information off of my report. Under the 609 stature of the fair credit reporting act they are obligated to furnish me with this information and they reuse to do so
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I have filed a complaint to XXXX  and the file # is XXXX. 

Dear Sir, COMPLAINT AGAIST CITICARD I am an XXXX year old man, XXXX. On XX/XX/2020, I came to XXXX for vacation. Because of Corvid, I am stuck in XXXX. 

In XXXX, I received a call from Citi card that some body had used my card and they are cancelling it. I requested them to send the new card in my XXXX address and made the lady to read y XXXX address to ensure that she has my correct address. That card never reached me. 

In the old card I did not owe them any thing. In the new card, which I did not receive, they have been charging me finance charges every month. On XX/XX/XXXX, I talked to a lady named XXXX and she waived the finance charge of {$52.00} which I did not owe them. Their Confirmation number is XXXX. 

Even though the finance charge was waived, they kept on adding finance charge over finance charge. It is over {$100.00}. Three times the customer service told me that their supervisors will call me regarding my complaint. They never did. 

THE CITICARD COMPLAINED TO XXXX AND THEY REDUCED MY SCORE FROM LOW XXXX TO MID XXXX. I REQUEST YOU TO DEMAND THEM TO PUT BACK MY CORRECT CREIT SCORE. 

The City card personnel treatment of my wife and me was nasty, cruel and unkind. As soon as I am back in XXXX I will cancel my account and will never deal with them. 
I request you to order Citi card not to charge me anything and warn them not to treat other customers, like they treated us. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-04-30
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. (TN)

RE : Membership ID # XXXX Case Numbers : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I am writing regarding incorrect and unsubstantiated information on my Experian credit report. I have made multiple phone calls and 3 disputes with Experian regarding the incorrect information, with no success. The information is from XX/XX/XXXX and is from XXXX, which appears incorrectly on my credit report as XXXX. As I have stated in multiple phone calls with Experian representatives, XXXX is no longer in business ; the company no longer exists. It was absorbed by XXXX XXXX in XX/XX/XXXX. I have had great difficulty getting this information across. Because Ive had no success with Experian in resolving this issue, Ive also been in contact with XXXX XXXX ( who no longer holds my mortgage ) to get this resolved. XXXX XXXX has kindly provided a letter requesting that this information be removed from my credit report, as they have no proof of its accuracy. They have provided the letter to you, although your representatives are unable to find it. Therefore, I am submitting the request letter by registered mail; please see the attached copy. Additionally, I received an Experian Alert email on the morning of XX/XX/XXXX stating that my credit score had increased by XXXX points, from XXXX to XXXX ; approximately 12 hours later, I received an alert stating that it had dropped XXXX points, back to XXXX. I am quite perplexed by this. The other two credit reporting bureaus, XXXX and XXXX, report my score as XXXX ; they also do not list the reported late payment from XXXX. I can only assume that this information has caused my Experian score to drop tremendously, which of course affects my credit rating and financial health. 

I would truly appreciate your assistance in resolving this matter and having the incorrect information removed from my Experian credit report. 


Thank you, XXXX XXXX The preceding letter was sent by certified mail, along with the letter from XXXX XXXX requesting this late payment be removed from my credit report. The letter has been sitting at the post office in XXXX, TX for 3 days and has not been picked up.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.
Consumer complaint received 2020-07-24
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. (GA)

I recently sent letters over 60 days ago to this bureau Transunion and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Consumer complaint received 2021-02-08
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. (CA)

Hello, I was affected by trans-union credit inquiry issue and now my credit report is showing hard credit inquires that aren't mine. Please see the inquires listed below that do not belong to me. 

XXXX XXXX XXXX XXXXXXXX XXXX  Can you please look into them removing this false information that is affecting my creditworthiness. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-31
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. (MD)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-03-05
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: Resurgent Capital Services L.P. (VA)

Greetings, I have recently graduated from college outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in college in XXXX and I can prove that I have been an active student in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (TX)

This issue was resolved once, I have been in XXXX and prior to that any medical debts I have requested a copy of a signred authorization with my signature that I authorized this agency to bill me for this medical procedure on whoever they did it on. I supplied the credit agency all the documentation once before and it was removed due to cause. Now this debt collector has relisted it and I request they remove it from all agencies
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc. (CA)

3 Different accounts that are not mine : XXXX ( {$330.00} ), XXXX ( {$60.00} ), and XXXX ( {$75.00} ). I attempted to remove these items because they are not mine and because they violate HIPPA but they are refusing.
Consumer complaint received 2021-06-09
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: Resurgent Capital Services L.P. (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2018-02-13
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. (MI)

TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX LIENS. ALL 3 liens have been discharged. ALL 3 liens contain and/or are missing my personal matching information, including : name, address, Social Security Num. or Date of Birth. Since XXXX, the laws concerning Public Records reporting requires these data must BOTH include AND match the data connected to the individual for which that data is being connected/reported. ALL 3 liens currently state XX/XX/XXXXas date filed, it is now XX/XX/XXXX-- - ALL 3 liens should have been removed in XX/XX/XXXX. I will be forced to bring this issue into litigation if Transunion does not promptly delete this information. 
NOTICE OF DISPUTE HAS BEEN PROVIDED TO TRANSUNION : Certified letters were mailed in late XXXX and included : name, social security #, address, Date of Birth, disputed data was circled identifying which specific records were being disputed on an included copy of my credit report, a narrative of why the info is inaccurate was furnished to Transunion, and I requested the information removed, and for Transunion to investigate the dispute and provide documentation of how this record is correct if they continue/d to report it, because it is wholly inaccurate. Its a you-do-the-math scenario. NONE OF THE OTHER CRAs ARE REPORTING THIS OUTDATED/TIME-BARRED INACCURATE DATA. This will serve as my last notice before I am FORCED to file suit. Thank you.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB, Experian, XXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting. 

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, XXXX XXXX XXXX