davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (MD)

My complaint is with FCR Services, which is being used to collect a debt I owe to XXXX XXXX. I rented a vehicle with XXXX on XX/XX/22 - XX/XX/22. After returning the vehicle, I had a small balance owed of {$41.00} for gas refilling. I was unable to pay this right away, and was planning to pay within a couple weeks. However, XXXX sent my account to Collections on XX/XX/22 - not even 10 days after I returned the vehicle! And now, FCR is charging me an additional {$50.00} in collection fees, for a total of {$91.00}. Everything about this screams unfair and abusive. The fees are more than the original balance owed, and XXXX did not give me nearly enough time to settle my debt with them before sending me to collections, causing possible harm to my credit report and putting an unjust financial burden on me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-21
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: CITIBANK, N.A. (TX)

XX/XX/XXXX I purchased a new computer from Best Buy and was tricked into purchasing XXXX XXXX 27/7 with the impression that I could get a computer diagnosed and fixed. However, XXXX XXXX 27/7 Service Support is unable to meet contractual obligation. Tecs are not equip to assess or solve computer problems. Pushing a service plan that they have no intention on providing customer support. XX/XX/XXXX, while working on my computer it crashed. Being pressed to complete a work assignment, I decided to take my computer to XXXX XXXX, XXXXTexas. The Tec stated it would take sometime to check the computer for virus and it may have to be shipped out. Being pressed, I purchased a new computer with the idea that I could use the tec support to fix my current computer ( expensive computer ). I took my original computer and a new computer for servicing to be told there is nothing they could do ... I called CustomerService to file a complaint, forwarded to XXXX XXXX Supervisor who suggested that I take the computer to another location. So I took the computers to Best Buy located in XXXX, Texas. I encountered the same issue, the Tec not really wanting to work, there is nothing they can do ( according to XXXX XXXX my visit was not logged at the XXXX location-folks not doing his/her job ) but I did call in a complaint after my visit. Once again, I tried to seek resolution to my compliant on XX/XX/XXXX. I called Customer Service, being transferred many times last person spoke to was XXXX. One XX/XX/XXXX calledcustomer service at XXXX, spoke to XXXX and XXXX XXXX Sent a letter of compliant to customercare @ XXXX ( complaint XXXX ). Called Corp office to be transferred to XXXX at XXXX who said send an email to XXXX. Called XXXX Corporate number, Option 5 told there is no complaint dept at the Corporate level. Filed a complaint with XXXX to no avail and refusal to give me a refund. No manager called me, but instructed to travel back to another store ( without compensation ). Not customer orientated just a bully company that cultivate consumer fraud and scams. No complaint procedures, resolution dept or escalation team. Unable file complainants with a corporate office. XXXXDeceptive business practices and unethical business conduct
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I made an international money order from my Chase bank to pay a provider in XXXX, the case is that by mistake the dollars were sent to a wrong provider, instead of sending the money order to the correct provider, I already tried to talk to the provider that he received our dollars by mistake but unfortunately he does not respond, much less show his face so that we can clarify this situation, the reason for my request is to ask for your support to intercede for us to help us return the dollars from XXXX to the United States, this in order to correctly send the funds to the provider that should have been sent the money order.
Consumer complaint received 2022-09-07
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES
Consumer complaint received 2022-09-07
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES
Consumer complaint received 2022-09-07
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. (NJ)

I did not authorize the following hard inquiries and as such they are fraudulent XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2022-09-07
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. (DC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXXL, XXXX XXXX  XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

This company would not tell me what it was about when I asked the repeatedly what company they where what the person 's name was the caller was trying to get information from me with out letting g me k ow who and what company they are I advise I will not let you know who I am until you tell mr what it is about and what company it is agent was very rude and immediately hung up the phone
Consumer complaint received 2022-09-07
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. (AL)

My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.
Consumer complaint received 2023-04-18
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. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, Ga XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yet again you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being report accurately. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally bound contractual obligation to pay you the alleged amount. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. 
Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item entirely inaccurate and incomplete, and a represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-09-07
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. (NJ)

I did not authorize the following hard inquiries and as such they are fraudulent XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX RE Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (OR)

XX/XX/XXXX : mortgage payment paid on time. Sofi stated that the amount was incorrect. They had erroneously included an extra {$310.00} on payment for taxes. Taxes are to paid separately by me. Numerous call/emails were made which highlighted the fact that Sofi did not keep correct records and did not have copies of paperwork that they had sent when the loan was funded. XX/XX/XXXX : mortgage payment paid on time. Sofi again contacted stating that the payment was not received and a late fee was charged. Confirmed with the bank that payment was sent to the correct address. called sofi who stated that they could not look for the payment and that official paperwork from the bank would need to be sent to verify payment. This has not been resolved.
Consumer complaint received 2022-08-10
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I learned that without my knowledge or any connection to me, these inquiries had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (MO)

Credit karma has been offering credit cards and loans that say I am prequalified for and after filling out multiple forms and impacting my credit, I ultimately did not qualify for. Is this legal to be misled this way. Im trying to improve my credit and it just keeps taking hits
Consumer complaint received 2022-08-10
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX
Consumer complaint received 2023-04-18
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)

When I investigated my updated credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-07
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-18
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a brother that has the same XXXX initial as mine, and XXXX of XXXX numbers of my social security are the same as his. Our credit has merged as if we are the same people. His student loans, child support, vehicle repossessions, etc. are on my credit report. PLEASE HELP ME.
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.