davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

Fair Collections & Outsourcing alleged that I owed XXXX to XXXX XXXX. My daughter lived at the apartment, but was harassed by management and had to leave in distress. She filed a complaint and they removed the item from her credit report. The company then placed on my report, thereby ruining my credit. Because of the harassment, this should be removed from my report.
Consumer complaint received 2020-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute about fraudulent and inaccurate information on my credit report. And Trans Union and XXXX  are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I attempted to gain access to my credit report on two separate occasions. 
XXXX- I sent a fax to Equifax per their request to verify my address and identity. This request was told to me by phone when I made the attempt to gain access to my free credit report by requesting it via their website. I never received the report and became concerned so I called in. They asked me to verify my identity. Since they have inaccurate information on my file which I am attempting to correct they could not verify my identity and denied access to my report. They asked me to fax in documentation of my current address, social security number, driver 's license/id and a utility bill. I faxed those documents to the number they provided me and never received the report. In XXXX I called back to follow up and Equifax then stated they did not receive my fax and I needed to re-fax the requested documentation. 

XXXX- I faxed the required documentation to Equifax . I still have not received my credit report. 
XXXX- I called Equifax to follow up on the second fax attempt. I can not get an agent on the phone line. The automated system informed me they could not verify my identity. The automated system hung up on me twice without connecting me to an agent. I made to call in attempts on this day.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

I opened my checking account on XX/XX/2021. My account was funded on XX/XX/XXXX and XXXX, 2021. Citi was supposed to deposit {$700.00} for an opening bonus after 61 days. That time Period has passed and they have yet to deposit my money. 
I opened the account at a branch and Im being told only the branch can tell me why it hasnt credited my account. However no one is answering the calls to the branch so Im in a catch-22.
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

I received a notification today from the credit bureau that a collection was added on my credit report in the amount of $ XXXX.I did not receive any dunning letter or written notice nor phone calls allowing me a chance to dispute the validity of this debt before being placed on my credit report
Consumer complaint received 2022-04-28
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: National Credit Adjusters, LLC (SC)

In accordance with the fair credit reporting act XXXX  account number # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I dont want my file handled by the specialized fraud team anymore!!!! Its takes to long to get to That department and it stops be from managing my report online!!! 

All I need to do is change the phone number on my consumer statement from XXXX to my new phone number XXXX. Thanks
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (IL)

I received XXXX payment of {$99.00} due before XXXX/XXXX/2021. Today XXXX/XXXX/2021 I wanted to pay online it showed {$0.00} outstanding and current Balance of {$140.00}. I got confused ( long ago I paid 2 times the same amount but CHASE did not accept that ) and went to CHASE Bank at XXXX XXXX XXXX XXXX # XXXX as near me. I signed XXXX and for XXXX minutes there were No banker to great me or say someone will be with me shortly. I was the only XXXX at # XXXX. Then a Banker XXXX called me I went in her both and gave her my CC and ID as asked. I asked her How Much Do I have to Pay as per my monthly statement as due on XXXX/XXXX/2021. She told me {$99.00}. I told her that CHASE APP is showing XXXX amount, what is the wrong? Then she dig deeper and told me because I returned some merchandise therefore it has gone to XXXX. I asked her " then how much Do I Owe for this bill. and XXXX CHASE XXXX does not mention it, but creating confusion. '' She could not answer me but called her manger. Her XXXX did not Listened and started that CHASE IS CORRECT and what her staff has told me is right. when I wanted to tell my concern going all the way to the Bank to seek a HELP, she very rudely and angrily asked me, " DO YOU WANT ME TO HELP YOU '' I told her " YES ''. Then she again repeated the same sentences about the CHASE AND her staff. BOTH OF THEM DID NOT TELL ME HOW MUCH AMOUNT I HAVE TO PAY BEFORE XXXX/XXXX/2021. and I left the BANK
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2021, I became a new customer at Mr. Cooper mortgage servicing. On XX/XX/2021, I made an online payment of {$1300.00}, plus an additional {$500.00} for principal reduction. For a total online payment of {$1800.00}. On XX/XX/2021, a withdrawal occurred from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account for {$1800.00}. On XX/XX/2021, I checked my Mr. Cooper account # XXXX it showed double payments of {$1300.00} and double payments of {$500.00}, totaling {$3600.00}. However only one payment of {$1800.00} has been withdrawn from my XXXX as of XX/XX/2021 @ XXXX hours PDT. 
I called Mr. Coopers customer service 800 and spoke extensively ( over 45 minutes ) with a representative about this issue. She could not guarantee that the second withdrawal would NOT be made. She did not know if this was an account specific issue, or a global system problem. 
Not wanting to deal with a potential NSF check/withdrawal I transferred funds to my checking account to cover a second withdrawal should it occur. See screen PDF capture.
Consumer complaint received 2024-02-21
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. (PA)

I sent a DISPUTE LETTER to XXXX and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked XXXX how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all closed off on my account. I asked for 1099 and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

Jefferson Capital Systems has placed a derogatory remark on my credit report. They are attempting to collect for XXXX XXXX XXXX. Alleged debt amount is {$220.00} I have no knowledge of this account and any other account from XXXX XXXX. Just in the past month XXXX XXXX has confirmed that they do not have any accounts on file bearing my name. This can be verified if Jefferson Capital wants to contact the North Carolina Department of Justice Attorney Generals Office, refer to case # XXXX They can also contact XXXX XXXX personally @ XXXX ext. # XXXX ask for XXXX XXXX. 

Also, I never received a notice from this company written or otherwise that they were attempting to collect on this debt. Rather they placed a negative negative remark on my report without offering the opportunity to dispute and or request validation of this alleged debt, which is my right pursuant to the Fair Credit Reporting Act. This is a violation of my rights and a violation of the Federal Law
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Consumer complaint received 2021-09-18
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: Experian Information Solutions Inc. (MO)

The following inquiries were placed on my credit report without my authorization : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

For over ten years whenever I tried to get my free annual credit report from Equifax they have told me that 'online delivery is unavailable for you '. 

Five years ago I was able to telephone them and browbeat the phone rep into emailing it to me. This is obviously ridiculous in and of itself : if they can't trust me online, they can't trust me on the phone. So clearly they CAN trust me, they just WON'T. 

In 2020 I tried to get it, was unable to again, called them up and asked them how I could resolve this situation permanently, and was told that it was impossible and that if it told me that I could not receive my report online, then there was no way to make it possible, and that I was just XXXX outta luck. I finally sent in something via US mail, and never received the report at all. Because of course I didn't. 

I just tried online again, and they just refused again.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Consumer complaint received 2020-10-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Consumer complaint received 2021-12-03
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. (MS)

I have tried getting this issue resolved with Equifax. I have spoken to the fraud team several times and they are not complying with my request. Under the FCRA anything fraud or unauthorized must be deleted from your credit reports immediately. THESE INQUIRIES ARE NOT MINE 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 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

PAYPAL, XXXX XXXX I STILL HAVING PROBLEM FOR WITDRAW MY MONEY. 
WHEN I CALLE FOR GET HELP, NOBODY WANT HELP ME, NOBODY KNOW HOW TO HELP ME. 

I DONT UNDERSTAND WHY MADE THIS SITUATION DIFICULT TO GET THE MONEY OUT. 

JUST MADE THE WITHDRAW TO MY DEBIT CARD END XXXX. 

PLEASE.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (OH)

I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. 

I called them again today and they refused again.
Consumer complaint received 2021-03-31
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. (MN)

My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.
Consumer complaint received 2020-11-23
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. (NJ)

I have tried to call Experian to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Consumer complaint received 2019-10-05
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)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.