davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

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 payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried calling Capital one today and I was kept on hold long. The second time trying to speak to a supervisor. I have auto pay and never are late. I have this account for years. I went online to see my bank account information, it is there XXXX XXXX XXXX ending in XXXX but for the past two months they took it from XXXX XXXX. I changed my bank information but they did not take the payment from it. I am never late now they charged 2 {$38.00} fees plus it is on my credit report past 60 days!. When my credit history paying with them is perfect as well as others. They called me for the first time 60 days later. I moved so I did not receive a letter, but they never sent email either. Why did they wait so long to contact me to resolve it. I attached the proof Im on auto pay and the only external bank account XXXX. I also sent copy of my bank account balance which has more than enough money to pay it. And a copy of the fees.
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. (LA)

I have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2019-01-16
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: PlusFour, Inc (NV)

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from PLUSFOUR INC reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

I got a response from a so-called financial institution is reckless because not only they are not addressing the issues, they are not providing evidences that was requested, and they are just re-stating the evidences that I requested. Where are all the evidences requested? 
This is again a generic response to a serious and specific problem because in their response, the cited Section C 13. Which described the Duty to safeguard Account. However, this section specifically addressed everything related to CHECKS, ACCOUNT INFORMATION, PASSWORD ETC. In nowhere that section addresses fraudulent debit card transactions, lost or stolen debit card and identity theft. I see that people at this bank are just referencing policies that have nothing to do with this specific issue just to hide their lack of knowledge and incompetency. The bank itself is not bad, but the people ( from low level to high level position ) make this bank look XXXX! 
This is the last opportunity that I give to these people at that bank to use their common sense and resolve this issue before I take the matter in Court and to my US Senator who is a member of the Senate Committee on Banking. 
I will upload and fax the FTC identity theft report ( XX/XX/2020 ) since you have asked for some additional information without providing any evidences that were requested. Also, this FTC report was done right around the time that those unauthorized transactions were being performed. 
Again, if you do not comply with this request, I will immediately file a lawsuit against the bank because I do have and have presented concrete evidences unlike this bank.
Consumer complaint received 2022-07-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Consumer complaint received 2022-04-06
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: GOLDMAN SACHS BANK USA (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GOLDMAN SACHS XXXX XXXX XXXX for committing identity theft. I have never given GOLDMAN SACHS XXXX XXXX XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). 

I have never received any documentation requesting validation from GOLDMAN SACHS XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to XXXX XXXX Code XXXX ( XXXX ) which the FTC defines as debt parking. If GOLDMAN SACHS XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

The status of this account reporting as a XXXX XXXX is an inaccurate account, which is a violation of XXXX XXXX XXXX XXXX ( b ). 
The continued reporting of this inaccurate information is a clear violation XXXX XXXX XXXX XXXX your responsibilities as a furnish ofinformation & XXXX XXXX XXXX XXXX ( b ). 


I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GOLDMAN SACHS XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and GOLDMAN SACHS XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and GOLDMAN SACHS XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION ()

XX/XX/year> I was told to pay credit card amount of XXXX and now when I speak to customer service representative they are saying I owe a total of {$750.00} which is false the last time Id check I only owe a balance of XXXX dollars.
Consumer complaint received 2022-07-30
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)

Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX  XXXX Account type : Revolving XXXX XXXX Account type : {$0.00} XXXX  XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} In accordance with the Fair Credit Reporting Act XXXX  Accounts number XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 Section 602A. states that 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 an account without my written instructions.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (FL)

PNC bank XXXX XXXX Credit Card. My account was cut off due to XXXX mo of inactivity. They sent out XXXX letter that likely looked like junk mail and was thrown away. I am a XXXX year customer and lost my credit history when my card was cut off. I asked them to reinstate it but was told it is impossible. I am shocked they are allowed to punish customers who do not have debt and keep a credit card for emergencies. One letter is not sufficient notice that your card with be canceled.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP (WI)

I applied for a mortgage loan with GSF mortgage corporation on XX/XX/2020. I would be saving over .125 % apr on my loan that would be conventional loan. no cashout. no exceptions needed on my application. my DTI, CLTV, home type and assets meet all of their requirements. I was DENIED the right to even apply. they explained they did not pull my credit report which I will investigate as I submitted an online application. but XXXX XXXX said its not worth it to refinance for XXXX of a point and discouraged me to apply and move forward. I asked multiple times over a three day period up until today when they sent me an email saying they are not interested in completing a refinance loan for .125 % savings which add up to thousands of dollars for me over the longer term. if its because of my race that's un lawful. if its because of something not meeting policy I would understand but they REFUSED to take my business and I asked all the qualifying questions upfront. when I went to work with another advisor XXXX in their company also know and XXXX XXXX. they caught wind of it and XXXX my new advisor stopped responding. I started getting emails from XXXX XXXX again asking why I applied with someone else in their company even tho I kept working with XXXX.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX HM MORTGAGE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not XXXX XXXX. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-06
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. (WI)

In accordance with 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 2020-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hello, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I was incarcerated on XX/XX/XXXX when a Discover Card account was opened in my name by my mother. I did not have knowledge of the account and I did not consent to her opening an account in my name without my knowledge or use. I did not apply for a Discover Card and I did not receive a Discover Card. I have never lived XXXX XXXX XXXX, XXXX, GA XXXX nor have I ever lived at a an address on XXXX XXXX, XXXX, GA XXXX. I informed Discover Card of the identity theft. I also informed Discover Card my mother applied for the card without my knowledge or consent. I also provided Discover Card identity theft affidavit ( s ) as well as a CitXXXX of XXXX police incident report stating I did not apply for or open the account for which my name appears. 
Discover card closed the account, however they reopened a separate account in my name refusing to remove the liability and {$17000.00} debt from credit reports stating I should have known my mother applied for a credit card in my name. I have also provided Discover with proof I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX ; the fraudulent account having been opened XX/XX/XXXX. 

Please investigate this matter because I should not be held accountable for a debt fraudulently made for which I had no knowledge.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (CA)

XXXX XXXX XX/XX/2020 I took my vehicle to its regular service and a few days later my service light came on stating it had Low or no oil at all the service performed and the vehicle shut off by itself and took it back to the dealer, & they claim someone else has put hands on my vehicle which all services has been done there and my self and the dealer should have physical copies of all services done. From that, they claimed that the engine block went out and needs replacing after they had just serviced the vehicle for that, & I have pictures of this incident
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (DE)

I received a letter addressed to me in my maiden name from Chase stating my application can not move forward until i contact transunion and lift the freeze then call them back at XXXX XXXX XXXX. 
1. I never applied and woukdnt in maiden name. 
2. First thing that # asks for is social. I hung up 3. I XXXX chase and called number. The options sound exactly like when i called the chase # from my moms credit card. 
4. The number called was XXXX XXXX XXXX. They asked name... maisen and married, social, address and said the address did not match. When i stressed it was fraud they put me on hold, 3 min later i got beginning recording, waiting, spoke with rep who asked social, said she could not verify my identity and asked for phone #. Said she would call me back in 30 seconds to verify my identity 5. I then went on and called chase # on back of moms card again. They put me thru to fraud who then put me to application dept. I hung up after 8 mins.

6. Went online and verified all 3 credit agencys have my credit reports frozen. 
7. I am worried they might try something funny as far as taxes or use my social in some other manner.