davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-27
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: Designed Receivable Solutions, Inc. (AL)

DESIGNED RECEIVABLE SO XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account has misleading information. consider the Balance, High Credit, Last Reported, And I don't have a financial obligation on this account
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On Thursday XX/XX/XXXX I was charged {$130.00} by the XXXX XXXX. I was no where near the XXXX XXXX when the charge took place. I was at home, sleeping, when the charge took place. Ive told them everything. I was laughed at by the police department for filing a report. Ive been repeatedly telling them the same thing. They say since I knew the pin it couldnt have been stolen, but credit transactions still can happen on a debit card. And they tell me to produce receipts. I am like how? If I was home, how would I produce the receipts? How could I have a police report when they didnt want to file? How can someone prove they were home? Do you take a photo of your location every night? I dont. Especially seeing as I live by myself. I asked if the wanted an email from my neighbor, they didnt respond. I need my money back, because it isnt fair how people can steal, and just because they dont want to investigate its gone. They have been specifically rude. I read on the XXXX  website they steal money from people all the time. I just want my {$130.00} and to end any partnership with them.
Consumer complaint received 2022-09-28
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)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you
Consumer complaint received 2022-09-28
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. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you
Consumer complaint received 2022-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, there was a fraudulent hard inquiry and account opened by Capital One. They were immediately notified of the fraud and instructed to close the account and to remove the inquiry. I was told that it takes 90 days to remove the inquiry. It has been longer than 90 days and Capital One, XXXX nor XXXX still will not remove the fraudulent inquiry.
Consumer complaint received 2022-09-28
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. (MD)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (FL)

XXXX is reporting on my reporting and I looked it up to determine that the company is Allied Collection Services , Inc. With that said they do not have a collection license to collect in the State of Florida and need to Cease and Desist all collection activities on my report immediately. Also its interesting that the XXXX and XXXX are Verifying this debt continually and ignoring me asking for the method of verification. This is also a violation of the FCRA as they are willfully and knowingly breaking
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In either XXXX or XXXX of XXXX  a checking account was opened in my name at Bank of America. I did not open this account myself and have no knowledge of who did so. I have spoken with Bank of America and they told me that the account is now closed. I just want to be sure my information is protected as well as my finances.
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

My dispute is with Vanilla Gift Card. 
On XX/XX/2023, Customer service confiscated {$49.00} from my Vanilla card, XXXX XXXX XXXX XXXX. 

Briefly : My original card was hacked and funds stolen. I filed a complaint and received a replacement card ( XXXX XXXX XXXX XXXX ) with a balance of XXXX $ and this amount is embossed on the card. 

On XX/XX/XXXX, I activated the replacement card and made a purchase of XXXX $ On XX/XX/XXXX I made a purchase of XXXX $ These two purchases left me with a remaining balance of XXXX $ Customer service put a hold on the remaining balance on XX/XX/XXXX. I have been told, twice, that the funds would be returned to the card. 

The last time I called I was told that the XXXX $ had been taken as a result of a merchant dispute. The representative could not tell me the name of the merchant, nor, the date of the disputed transaction. 

Both the confiscation of my funds, and the contradictory reasons for that confiscation, are completely unacceptable. To repeat, Vanilla sent me a replacement card with a {$260.00} balance AFTER investigating the hacking of the original card and finding that I was owed {$260.00}. 
Now, they say thy took the funds on XX/XX/2023, due to a merchant dispute but won't tell me what merchant nor the date of the purported disputed transaction.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2022-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. 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. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-28
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. (GA)

This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (NC)

I received my XX/XX/XXXX bill and it was {$560.00}. I went to my XXXX XXXX XXXX XXXX site and paid the bill from that site, as I have always done. It was taken out of my account and appeared to be sent electronically from the way I view it at my bank. Fast forward a few weeks and I get a reminder from XXXX stating that my bill is due. This was unusual as I have never gotten this notice. I went on their site and checked and they had not received the payment, although it was removed and stated paid from my bank as it was removed from my funds. I waited until the day the bill was due thinking it would finally flush out and when it didn't, I contacted XXXX but I also when to their website and paid the bill directly. After calling Monday XXXX and speaking with someone about this I was told that they receive a money order for the payments and have been for a while. I told them we send it electronically and after speak with the credit card agency and my bank, it appears that the account number that was being listed in the memos was an older account of mine that had been closed due to a lost card back XXXX or XXXX. I then very patiently waited another week thinking it's just a miss communication and they'll see it and it will be credited to my account. A week later and still nothing. Now I went to my bank and pulled proof of payment for both payments of {$560.00}, one on XX/XX/XXXX and one on XXXX. I then then faxed this information with a detail of all that has happened just like this letter, to the number that they requested XXXX. I called the next day, XX/XX/XXXX, and had no resolve. I spoke with XXXX XXXX XXXX ) on XX/XX/XXXX and she called the accounting department and verified that they had received the fax ( I sent it 3 times! ) but advised that it would be handled in the order that it was received. She was nice enough to give me her name and number so I could call and follow up. Which I did yesterday and today, and no response and the original payment from XX/XX/XXXX has still not reached my account. My bill is due XXXX. I pay my bills on time and this one in full each month. I refuse to make another payment when they already have {$560.00} that they have yet to post to my account, that they have had for over a month now. Now, my patience has ended. I have no more time or energy for this and honestly, it should have been resolved from their end easily last week. Therefore I am reaching out to someone with power because although I have all this proof to back it up, I still have {$560.00} missing and although we all know that they have it, they are not crediting it to my account.
Consumer complaint received 2024-10-23
Product: Credit reporting 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)

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), EXPERIAN, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of XXXX, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to EXPERIAN, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a XXXX form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( XXXX ) - XXXX XXXX XXXX and the XXXX 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( XXXX ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically EXPERIAN, XXXX, and XXXX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( NCB ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as EXPERIAN, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2022-09-28
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.