davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (MA)

On XX/XX/2020 a communication was sent out to XXXX, Transunion and XXXX  for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights.

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post
facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the
Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank.

Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (ME)

On XX/XX/XXXX I noticed that the Thomas agency, a debt collection agency had reported collection to all three credit bureaus I immediately called the Thomas agency to find out information on what debt this would be. They said it was for a hospital bill under a name that was not mine but with the same last name. I stated that they must be an error because there was no one in my family with that name. The dance threatened me saying that it was my responsibility prove that this was not me. I then called the hospital and found out that they had made a clerical error and charged me and hired the Thomas agency to collect the debt for me under my social security number. Not only did this cost me great distress, but has put a scar on what was a perfect record over the last 7 years with no scars on my credit from any three of the bureaus. did damage has already been done, and I do not see it changing even though they assured me that it would. I asked him how they supposedly contacted me they said that they sent a letter to a town and the dress that I have never lived at and was returned. They failed and using due diligence in confirming that this was me and attached all this incorrect information to my social security number and my phone number. There are no documents to provide as I was never provided with any document by the thomas agency. All of this is recorded by the Thomas agency as stated by the verbal disclaimer when talking on the phone with them.
Consumer complaint received 2022-08-21
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. (WA)

I am a natural person, im a living human being, and i have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. AND THEY VILOATED MY RIGHTS NUMEROUS TIMES. 
I Demand these accounts listed below be remove becasue ACCORDING to 15 USC 1681 : I have the right to privacy and I DID NOT give written permission to equifax to furnish these accounts... 

Accounts : # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2022-05-26
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. (KY)

equifax annual credit report & myequifax have been down, unable to access my personal credit file for 3 days. I am sure equifax has sold thousands of credit reports for mortgages and auto loans the past 3 days, but I can not access my credit? 

plus the cfpb allows equifax to continue to not address and settle the 2017 data breach? 
how long will this be legally allowed to continue? its been 5 years since my data was stolen and still nothing has been done about it? 

and they don't even publish a phone number to call?
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has closed my checking account, removed my ability to access it online and after 6 months still refuses to return my funds that were still in the account. My account was closed sometime last XXXX  in XXXX. 
Checking Account # XXXX. There should have been {$6800.00} in the account when they closed it and I was told on the phone that a check would be mailed to me upon the account being closed. I have not received my money yet.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

Ref account number XXXX ALLY Finance. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however ALLY reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however XXXX reports, they can not correct the inaccuracies because ALLY verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/2020. This was the second time ALLY reported late payments in XXXX. Both times affecting the score on my reports. 
ALLY also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. ALLY reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 30 days late in XX/XX/XXXX 60 days inXX/XX/XXXX, 90 days in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX 150 days in XX/XX/XXXX, 120 days in XX/XX/XXXX, and 180 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?
Consumer complaint received 2020-10-02
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 {$4900.00}, {$0.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX  Account XXXX XXXX XXXX XXXX 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 2023-04-05
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. (MO)

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX. 15 USC 1681 Section 602 A 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.
Consumer complaint received 2022-08-21
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. (FL)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 1. 

1. XXXX XXXX XXXX XXXX  # XXXX 2.XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4.XXXX XXXXXXXX # 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 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.
Consumer complaint received 2021-10-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

The collection agency CONSERVE attempted to aggressively collect student loan debt from me. They purchased my federal student loan debt privately. I never received written notice related to the debt at all. I never admitted to the debt. I called CONSERVE and they agreed to stop contacting me and harassing me if I paid the amount in full, and also to delete the account from XXXX, XXXX, and other credit agencies. Instead, they took my money, applied it to settle the debt without my permission, and neglected to delete the account from pertinent credit agencies. I contacted the company and submitted disputes at least 5 times and they repeatedly lie about our arrangement and refuse to make any changes.
Consumer complaint received 2020-10-02
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY XXXX  POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Consumer complaint received 2019-10-23
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 {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
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 and 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 ). 

-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (NY)

Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by XXXX XXXX XXXX collection company and neglect. 

To Remove All late payments for FedLoan for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

XXXX XX/XX/2021, went to Citibank to close checking and savings account. Was told that checking account could not be closed until final clearance of purchase from XXXX. On XXXX XXXX  attempted again to close checking. Was told XXXX transaction not complete but transaction was figured into balance so the rest of the money could be withdrawn and account XXXX  out with assurance that the account would be closed when XXXX transaction finalized. Was notified on XXXX XX/XX/2021 that XXXX charged account on XXXX XX/XX/2021. This charge was neither made nor authorized. When called to ask how any transaction could have occurred to an account with XXXX balance and awaiting closure, they claim overdraft protection kicked in. After hours ( plural ) speaking with multiple people at Citibank, this matter has not been resolved and depending on who I spoke with, I owe different amounts.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed a charge with CapitalOne and spent considerable time pulling information and sending it but I think the outcome highlight their strategy of using paper forms and the mail service versus an online form since mysteriously our package was not received ( lost in the mail ). I believe their actions should be investigated for a violation of the Fair Credit Billing Act.

The issue was very straightforward as we paid for good that were supposed to ship in 30 days and that was something like 4 or 5 months ago now ( I don't have the paperwork in front of me ). On top of that, the company essentially refused to resolve issues with the products so this dispute was very clear cut but yet obviously CapitalOne didn't want to address it probably to not make waves with XXXX whom I sure they 'earn ' huge fees from ... 

Capital One needs to realize that the only reason use credit cards is for the protection it provides, we could just as easily link to our bank account for most payments ... 

Case No. : XXXX
Consumer complaint received 2020-10-02
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. (TN)

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (FL)

I lost and reordered my payroll card with skylight netspend XXXX. The card was supposed to come by the XX/XX/XXXX and i never received it amd im not able to get in touch with customer service. I was forced to pay hundreds of dollars of fees send myself westsrn union in order to access my money.
Consumer complaint received 2022-07-04
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. (OH)

On XX/XX/XXXX I submitted a dispute with XXXX, TransUnion and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!