davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (AR)

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : 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 

Thank you for helping me in this matter.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (TX)

Happy XXXXXXXX XXXX XXXX 

I visited XXXX XXXX in XX/XX/2021 and after landing, went to XXXX and had food poisoning. 
XXXX was called and took me to a hospital, which was not covered with my insurance. 

Kindly help.
Consumer complaint received 2022-06-19
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022, I received an alert that there was a hard inquiry pulled on my transunion credit report from SYNCB/PAYPAL. Per FCRA information can not be reported without my authorized consent. I never authorized this.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

XXXX XXXX have been collecting {$180.00} for the last 2 years from my checking account to pay for sears master card. I never signed anything or talked to anyone either from sears or from XXXX XXXX incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, XXXX XXXX stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all 3 credit card company that I have not payed Sears for 3 months, I called sears 3 times and all they tell me is that they dont have my account and I have to keep calling XXXX XXXX because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
Consumer complaint received 2021-08-03
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: ERC (NC)

I just had a account hit my credit report about a week ago for {$820.00}. I don't know what it is for or who the original company is. No one has reached out to verify the information they've added to my credit report.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

What happen was that I had a chase checking account I had deposit a check chase didnt wait until it cleard and decided on there behave to give me the money the money was in my account then the hacker hacked my account and transferd the money to there account making me on negative on chase I couldnt get it I tried solving with chase but they couldnt help so am here asking for help
Consumer complaint received 2022-08-15
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX of XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX  account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-09
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-06-09
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. (AR)

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : 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, US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

In XX/XX/2022 I requested to have my home appraised in hope to remove PMI. I was informed that I would receive a call in 7-10 days to set up an appraisal. In XXXX I called back and was informed that it was taking longer than normal due to high request. I was also informed that I could rerequest an appraisal and not have to include the home improvements for removal of PMI ; so another request for was done and I was informed this would not delay the appraisal any longer. A few days later I received a call and my home was appraised in XXXX. I was informed by the appraiser that all documents were submitted and I should hear from my lender. A week later I called Mr.Cooper and informed that they have not received anything yet. Several calls made after and it was explained that first the investor ( XXXX XXXX XXXX reviews the appraisal and then sends it to Mr. Cooper and still they havent received anything. In XXXX I Was informed the process then would take up to 45 days from the time of the appraisal and still they had not received it. Then later in XXXX was told that it was received and that Mr.Cooper was reviewing however I should call back in about a week. Then I called back which was now XXXX to be told this time that they hadnt received anything about the appraisal and they would have the back up/ research department look into it. Then a few days later I receive a call from an appraiser requesting to come do another appraisal on my home. So this prompt me to call Mr.Cooper. Was then told that they didnt see anything regarding a request for another appraisal. I asked to speak with a supervisor and was told there was no one I could speak with and that they would schedule a call. I never received a call back from the supervisor when I was informed it would be. I called Mr.Cooper back and this time was told that a second appraisal was being requested because the first appraisal was refused. No one can provide clarification why and I cont. to pay PMI at their expense. Mr Cooper is delaying my right to remove PMI
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent off letters to all 3 credit bureaus. I have yet to hear from any of them. It is a law for credit bureaus to respond in 30 days, they are in violation of my consumer law.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX - XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX CALIFORNIA doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXS 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 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX 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 2022-06-17
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. (TX)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (GA)

My doctor 's office maintains an account with XXXX XXXX. Accordingly, many of my labs get process by virtual of sending my insurance information directly to XXXX. For some reason, even though the XXXX office process many labs with insurance information, they removed my insurance information claiming " guarantor responsibility ''. When I contacted my insurance XXXX XXXX XXXX  to verify coverage, I got informed that XXXX never submitted a claim for payment. I called XXXX several time with the insurance information. Finally, I contacted XXXX for them to contact XXXX. To date, XXXX fails to submit a claim for insurance coverage claiming that I do not have insurance albeit XXXX submitted several other insurance claims. I disputed this matter with Radius Global Solutions with both their addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX credit file ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX credit file )
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (AZ)

Violation of HIPAA privacy. I do not know who H & R ACCOUNTS INC is and did not written consent to access my credit report. This debt is allegedly medical but not sure as I have not knowledge of this account
Consumer complaint received 2022-05-13
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. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The creditor is reporting inaccurate information on credit report the account was charged off originally in XX/XX/XXXX and showing a new, paid it in full XX/XX/XXXX, the account is only showing charged off for XX/XX/XXXX that is not correct .this is not showing the aged charge of so it can be removed from my credit report correctly in 7 years.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I have a credit card with Comenity Bank. Their website and portal to view accounts and pay on accounts has been down for weeks. They keep calling my cell phone and when I answer the line goes dead. They have also reported late payments to my credit and added late fees even while its not possible to pay online due to technical difficulties.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (NC)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.
Consumer complaint received 2022-06-16
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. (AL)

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 XXXX XXXX  XXXX, {$23000.00} XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (VA)

Opened an account with Gemini on XXXX XX/XX/XXXX. I sent them an image of my drivers license that day to begin the process of verifying my identification. While I was in the process of being verified, I was able to ACH {$500.00} a day from my checking account to my Gemini account so I made deposits of {$500.00} on XXXX, XXXX, and XXXX XX/XX/XXXX ( {$1500.00} total ). On XXXX XX/XX/XXXX, I received an email that there was an issue with the documentation I had submitted ( image of drivers license ) and I needed to go back to the site and resubmit it. I took a new photo of my ID and resubmitted. As I was trying to upload the documents the website said my account was closed. I then received an email also saying it was closed and to get my funds back I needed to contact XXXX. I have emailed that address and left messages through the websites help feature but have received no response as to why my account was closed or how I get my funds out of their exchange. The website offers no chat features to talk to a representative nor do they advertise a phone number for support.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I have a debit card with venmo I had a 100 % of my check deposited into the account I went to pay my XXXX bill which is my bill for my cable as soon as I paid it I went to go pay a friend back who loaned me a {$100.00} a week before my account stopped they told me it was suspended and wouldn't tell me why that I had to read their 7 pages of pro XXXX pages of privacy but it doesn't tell me why my account was put on holder suspended called over after 45 minutes of speaking to the 1st person he couldn't help me the 2nd person transferred to a supervisor after an hour and a 1/2 After speaking the supervisor he said he would take care of it and get someone to get ahold of me by escalating it he sent me a form where I would send my driver 's license back which I did as soon as I was done doing that then he decided that he would say
Consumer complaint received 2022-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Accounts, LLC (CO)

I was notified via XXXX that a collection had been placed on my account via Capitol Accounts XXXX of 2022 showing up to me on my credit report XX/XX/2022. I was never notified that I was being sent to collections as this is not a debt that I owe. They placed this charge on my credit report as a collection account and decreased my credit score significantly for a debt that I do not owe. I never received any communications at anytime prior to this via mail, phone, or any other way that I even owed this debt or that it was past due or that it was going into collections.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - XXXX XXXX file number XXXX.