davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It XXXX Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. 
None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
Police Report with XXXX XXXX Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
Please have these accounts removed immediately from my credit report. 
Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TX)

Not only is this account more than 7 years outdated but the amount owed is inaccurate. When I initially tried to pay on this debt, I was told to come into the store to pay. At the time I just moved to XXXX XXXX for XXXX so I tried to voice my frustrations with the whole process and that I wasnt comfortable giving my information over the phone. This debt that is owed is more than 7 or 8 years old. When I asked the company for 1 ) proof of debt & 2 ) date of delinquency, they neither responded nor changed the misinformation. This account for some reason keeps reporting month to month, current when I havent done business with this company in years.
Consumer complaint received 2021-03-02
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: Global Lending Services LLC (CA)

I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.The Fair Credit Reporting Act states that any Information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted all the Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX, XXXX Auto, XXXX/XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I received a {$10.00} virtual visa gift card after I filed a survey about XXXX  products. Upon activating that card I was unable to use it because it was constantly declined. I called to its customer service at XXXX, and my waiting time was constantly changing every time I was next on the que, so after several hours of waiting I was still unable to talk to the customer service. I also wrote a complaint to XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, TX XXXX and nobody responded. That prepaid visa card is a total fraud.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

Venmo froze my account for no reason they claimed that they needed to verify my identity which had already been verified. Five days later I was still dealing with the problem, and then they decided to close my account out of nowhere for no reason. My wife and I are staying in a hotel and lost our place to stay and all of our belongings and are literally on the street. A part of their user agreement is that even when the count is frozen we should be able to transfer our money to a bank account not only did they not allow me to transfer the funds to the bank account that I already had connected they didnt allow me to connect the new one. I called them about 10 different times explaining to them that my ID was already approved and when they finally put me through to a manager, the things that he says leads me to believe that he pushed for my account to be closed it off spitefully. Now that they close my account they are telling me I have to wait 180 days to receive my funds. Im homeless now.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (WA)

Today is XX/XX/2021, I went to the bank to deposit the money left on my stimulus XXXX  card, I waited in the drive through line, when I got to the teller she told me they can't do that at the window and go inside. Once waiting in the line just to go into the building a gal comes to me to ask me what I was doing today at the bank, I told her and she informs me that I need to forms of Id, I tell her I have a drivers license and ss card, she tells me it won't work and they will take vehicle registration, I have to go get it them wait back in line with more people in front of me. This is ridiculous, worse than XXXX as far as customer service. More people are in the line now, now I wait and wait and wait, get the picture, I'm XXXX now!!! I get up to the counter which has plastic protecting the teller and all are in masks but there is a rope up that you have to run into to put your paper work on the counter, ridiculous, I get up to the counter and they tell me I need to call and get the balance myself, now I'm very angry and they tell me I can't use their phone and they can't call, I have to get out of line go get my phone and get back in line again!!!!!!!!! I asked to speak to the manager, no-one ever came, when I asked for a regional manager phone number they would not give it to me I asked 5-6 times before I got it, I have driven to my office looked up this email and I am still on hold to take to someone on their reg call line so I'm sure this is not a phone number for any manager and they tell me to ask for XXXX XXXX who I'm sure has no managerial experience at all. what a joke. They are worse than XXXX and as bad a XXXX XXXX XXXX!
Consumer complaint received 2022-07-30
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. (NY)

On XX/XX/2022 I received notification that an inquiry had been made on my TransUnion credit report. Not having had request an inquiry be made, I immediately checked my report to see XXXX XXXX Bank was the inquiring company. I called and spoke with XXXX XXXX Bank and they confirmed and application was made using my information and that they flagged the application as potentially fraudulent before it was completely processed. The representative also advised I report the incident to XXXX, which I did within one hour of originally discovering the fraud. 

I sent a dispute via USPS to TransUnion not long after the incident ( exact date unknown ) with a letter requesting an investigation along with a copy of the report from XXXX. I also requested information on the procedure TransUnion used to investigate my request. TransUnion responded within 30-days with a letter stating the inquiry was valid and provided no additional information and made no mention of my report from the government 's Identify Theft website. 

As of XX/XX/2022, the inquiry has not been removed from my report and TransUnion has only attempt at explanation was sending a standard letter explaining the dispute process.
Consumer complaint received 2021-04-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc (OK)

I want to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma for turning over a bill to XXXX different collections agency on a bill that shows a balance of XXXX. His date of his last service was XX/XX/20 I have contacted this office before about this debt that is not owed but they continue to send this to various collection agencies This bill is on my husband XXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 

So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer XXXX Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments 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 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

I was approved for my Chase Credit card on XX/XX/XXXX and according to Chase 's terms and conditions the billing cycle of which the date the month ends matches the number of days in the month to ensure the due date is the same every month. So it's either XXXX or XXXX ( unless it's XXXX then it's XXXX or XXXX ). My first statement was closed on XX/XX/XXXX, of which only gave my first billing month 26 days, instead of 28 days ( or XX/XX/XXXX ). Other cards that I have opened with Chase have closed according to the normal Chase terms of the number of days in the month. I spoke to Chase on XXXX occasions first being XX/XX/XXXX and after speaking to them and then put on hold to speak to a supervisor they claimed they had issues and it disconnected my call. I called back immediately but after talking with a customer service representative they said I would have to wait in the que again for another 15+ minutes to talk to a supervisor. I asked to leave a message to have them call me back the following day but they said that wasn't possible, I hung up because I wasn't able to hold for a supervisor. I called back on XX/XX/XXXX again spoke to a representative and then was put on hold to speak to a supervisor, and after 10 minutes or so I spoke to a supervisor. They understood my complaint and said it would have to be resolved with the " back office. '' The supervisor said they would contact me but still haven't, when I asked about a phone number to contact the " back-office '' they said they don't have one and they can't be contacted. This last supervisor said they did notice my length of my first statement was only 26 days but wasn't sure why as it should have been 28 days since it was XXXX.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital one we called in about XX/XX/XXXX, Capitalone Cancelout my wife Credit Card .Because supposely XXXX charge her c/c {$16.00}, Capital one never ask to cancelout her card.They said they replace card we never got when we was in XXXX, XXXX  . address, Than XX/XX/XXXX i called again there ask for copy my drivers licence front and back for me to get replacement card for my wife.We never got, i told the employees, this how i got scam on XXXX asking for me to up load driver license front an back, now it seems Capital one Scamming me which they did.We still never got wife Credit Card replacement.We tried online to change our resident address to POB? Capitalone would not let us.We moved back to XXXX  late XX/XX/XXXX update Mailing were we get our Capitalone statements.But as today XXXX XXXX My wife still donot have Replacement Card its been 6months without C/C furthermore Capitalone told me two weeks ago they Mail me main person update replacement c/c, as of XXXX XXXX i went to get my mail about 60 miles away, and i never got my C/C my Card expires XX/XX/XXXX and online website it keeps saying for me to Active now? Yeah right i dont even have my card how stupid is that.Capitalone is Employees are liars and they owe me Gasoline Reburstment charges on my C/C for XXXX XXXX to drive over and back were in live.XXXX, XXXX  XXXX XXXX {$29.00} and {$30.00} cost me in gas to go to XXXX, XXXX  and me drive back home to XXXX, XXXX  in XXXX it cost lot to drive.
Consumer complaint received 2021-10-18
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. (OH)

This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX-XX/XX/XXXX. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (WV)

There is a collection account on my XXXX and XXXX reports that does not belong to me. It is held by Central Portfolio with original creditor " XXXX XXXX XXXX XXXX XXXX I received no written or digital notifications of the {$660.00} charge before it was reported to the credit agencies. I had no luck getting any information from Central Portfolio regarding this charge. It does not fit the timeline of any hospital visits that I have had in the past, and I also have health insurance that would have notified me if they were not going to cover the charge, if it were indeed legitimate. 

I disputed it with XXXX and XXXX, both of which " verified the debt '' which I do not believe to be a legitimate debt owed by me. 


According to XXXX and XXXX : Account opened XX/XX/2021 Balance : {$660.00} XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/XXXX. XXXX XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/2021 I would like to have these removed from my credit reports and/or obtain assistance in verifying the validity of this account. As stated, I was personally unable to obtain any information proving the account belongs to me, had no hospital visits in 2021, have health insurance coverage, and received no notification from any billing departments prior to the collection account notification. 

Additionally, this is not the first or even the second time there has been a fraudulent medical account reported to the credit bureaus, and if I remember correctly, the prior fraudulent accounts also originated from " XXXX XXXX XXXX XXXX  ''.
Consumer complaint received 2022-07-30
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. (AZ)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX # XXXX, XXXX, XXXX and I'm including it again. 
DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}