davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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. (AL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX & XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX CA & XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TN)

Company stated that this debt is no longer with their office but this debt is being verified by this same company on all three of my credit reports. If you no longer own the debt or have the debt in you office delete this debt from my credit report. You can not verify or keep reporting something that you have no access to any longer. Its unfair and against the law to keep doing so.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020 last week. I had confirmed with the bank. I don't have no collection or balance that prevent of me to open an account. 

However when I trying explain the bank doesn't accept it and still not able open account forever? 

The bank refused to assist me. Even after the letter I got from bank. They aren't cooperate me to insisted to open an online bank account only. The problem is they won't do anything to open an account even if I knew that I don't own, any balance from them.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

I have tried with u all about this debt it comes back as accurate no it not I never took a car from them never did its name is Chrysler capital. Here Im asking u to take it off my three credits report bc its not my debt. I demand this debt out of my credit or else Im suing.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have recently disputed the following account with the credit bureau ( XXXX ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Consumer complaint received 2021-03-01
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. (NJ)

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-02-25
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. (IL)

I have several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
Consumer complaint received 2018-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

On XX/XX/XXXX i requested Coinbase remove {$1000.00} from my XXXX savings account. This money was removed but never entered into my coin base account. Seven days previously on XX/XX/XXXX Coinbase removed {$1000.00} from same account and entered it into my Coinbase Account. 

I first contacted their support team on XX/XX/XXXX to complain the money was never entered into my Coinbase account and provided documentation the money was removed from my XXXX account on XX/XX/XXXX. I also called their support team by phone no fewer than three times and have sent them at least two dozen emails. Their support team agreed i was correct and raised the level of my problem to a " level 10 '' ( their highest level ). However, after more than two months and multiple calls, countless emails and clear documentation they will not refund my money. 

Clearly this is either fraud or a scam and is frankly outrageous for a XXXX dollar company.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have  XXXX  Bank of America credit cards and had some problems in the past that warranted the increase in interest rate. But since then, about three years now, my status has changed and not only do I pay on time, I have not missed a payment and in most cases have exceeded the minimum payment. After a long period of time decided to call the Bank of America to inquire if the interest rate can be reduced, I was told that on my account there a note stating that the interest rate can not be reduced.   As I stated that my situation has changed from the past problems and my payment activities for the past three years proves it, why ca n't my interest rate can not be adjusted??   I have another credit card that on their own about a year ago did reduce my interest rate without my having to ask them. If they did that, why ca n't Bank of America do the same? Why do keep punishing me for thing that happened in the past? Do they not think that circumstances change over time?   Please look into this complaint and advice me how I can resolve it.   Thank you for your assistance.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have spoken with XXXX  and Experian regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Consumer complaint received 2021-05-22
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: MoneyLion Inc. (FL)

XXXX XXXX advised me that I have a new account opened under my name reported on XXXX at a company named MONEYLION. I try get in contact with MoneyLion Inc but I did not get a response. I never opened or even know about this company or this account was opened as fraudulent because my personal information was compromised by XX/XX/XXXX or XXXX XXXX  or someone open this account using my credit credentials. This company gives money without verify with the customer if is real or not. The amount is for {$1000.00}.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MI)

I signed up for experian, for the credit boost. I followed the instructions to connect my banking account and after got a error message! I called and the rep took my information and she would review and get it in! Well apparently she lied, I see no changes still getting the error. So I called today, to get the RUDEST, NEGATIVE ATTITUDE, NO CUSTOMER SERVICE OR CONCERN ATTITUDE FROM SUPERVISOR XXXX!!! VERY UNPROFESSIONAL AND WAS OF NO HELP AT ALL DUE TO SO MUCH ATTITUDE! NOTHING WAS RESOLVED
Consumer complaint received 2021-08-07
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. (GA)

I have spoken with XXXX  and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Consumer complaint received 2019-06-16
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. (NV)

After applying for a home refinance. Equifax Sold / Gave my personal information without my consent causing identity fraud, inquiries and multiple fraudulent credit accounts & a checking account to be opened in my name. 

I have resolved the account directly with the creditors Now I have multiple fraudulent inquiries on my credit reports.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

EOSCCA has been reporting my account as late each month. This account was purchased from XXXX making it no longer eligible for a monthly set amount or late mark. I have disputed this many times to no avail. The account was originally paid in full with XXXX prior to it mistakenly being sold off to EOSCCA. I disputed this item and now it is showing as late every month rather than closed or paid off. This is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (OH)

Reported XX/XX/2019 by CBE GROUP on behalf of XXXX XXXX XXXX XXXX in the amount of {$250.00} which has posted on my credit report twice. I want both of these marks removed as they are incorrect.
Consumer complaint received 2018-02-24
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)

From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion credit report.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (FL)

I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (UT)

i have now received 2 calls from a " XXXX XXXX '' ( sp ) from a number I 've determined to be " Premier Portfolio Group '' who says they have " documentation '' in their office " pertaining to my name and social security number ''. They ask me to call back on a totally different number of XXXX. There are numerous reports of Premier Portfolio Group claiming to have payday loan debts and threatening action - I have called the only place I have ever had a payday loan and confirmed i have nothing outstanding and the last loan i 'd ever had was closed in good order in 2012 and confirmed there have not been any checks presented in my name. I have no outstanding bad debts or negative reports on my credit. They have also called a close friend of mine repeating the same information that they " have documentation in their office '' and i have no idea how they would ever have his number or why they 'd call someone else.
Consumer complaint received 2021-07-15
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. (NJ)

I have sent out Notice after Notice. I startedXX/XX/XXXXanXX/XX/XXXX, and the last one was onXX/XX/XXXXto Experian. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I Co signed for a loan with my cousin. She has not made payments. So it falls on me. I have ask Credit Acceptance to send me what I signed and what I owe 2 to 3 times. They have my updated and old address and have never sent me anything. It has been I've 6 months since I requested information. I was not present during the loan process so I never received paperwork. However upon request they have never sent written notice of debt or bill. By law they are suppose to do that. I want loan removed from my credit bc how do I know it's not being taking car of if they don't send proper documentation
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

Never received a bill for original debt. XXXX XXXX XXXX XXXX, XXXX MS XXXX alleges that they mailed more than one bill to our home in FL.Because of Covid 19 concerns we were staying in MS. We had arranged mail forwarding with USPS but some of our mail disappeared or was returned to sender. We pay most of our bills online with paperless billing. I discovered that in XXXX XXXX XXXX had referred a {$90.00} charge to a collection agency known as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX.I did not discover this information until XXXX XXXX. Again I Have yet to receive a bill from XXXX or XXXX. They filed a negative report with the credit agencies that has negatively impacted my credit score and my ability to go forward with a mortgage re-finance application. On XXXX I called XXXX 's billing dept and offered to pay the {$90.00} bill. They refused to allow me to pay the bill, saying that the matter was now out of their hands. I will never pay a collection agency for a bill I don't owe them. I will gladly pay XXXX the amount I owe if given the opportunity.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX I do not know this consumer never talked to them or taken or borrowed money from consumer. 

XX/XX/2017 I send a dispute through credit karma they refuse to move from my credit.
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (NJ)

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, XXXX XXXX. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tate and Kirlin Assoc (NY)

Received communication by mail XX/XX/2021. Numerous violations. 
15usc1692e ( 3 ) 15usc1962e ( 2 ) ( a ) 15usc1692j ( a ) 15usc1692e ( 10 ) 15usc1692g ( a ) ( 3 ) ( 4 ) ( 5 ) 15usc1692k ( a ) 15usc1692f ( 7 ) 15usc1692e ( 4 )