davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NY)

It appears that 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.

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 item is 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 XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NC)

It appears my 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 items or information which is found to be opened due to identity theft. 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 discard these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$730.00} US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these items 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 item is 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 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX my payroll distribution put {$1100.00} in my Navy Federal Credit Union account. The bank automatically transferred the money to three delinquent credit card that is a part of my bankruptcy filing. I notified NFCU in XXXX of the bankruptcy and provided them with my attorney 's information. I contacted Navy Federal in XXXX to see if I would be about to us my accounts again and was told the savings account was active, but I was not longer eligible for checking account. 

My husband is now unemployed due to the COVID 19 crisis, and has yet to receive unemployment benefits. So I wanted to preserve our money in another account since the stimulus payment went into our checking account. Afraid to got in a bank or use an ATM, I adjusted my payroll to direct deposit the money to saving for hardship. With all of the waivers on interest and debt due to this crisis the bank should have notified me that this would happen before they took my money. Especially since they are aware of the pending bankruptcy. 

I'm not sure of my recourse to receive some or all of my money back, but there should be prohibited at this time. I work in billing and buy law I can not charge interest, penalties, tax liens etc at this time. Any assistance would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
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 (NJ)

I want to share with you my experience with Capital One credit card bank. I did make reservations with XXXX for two places. One in XXXX and one There was blood on the Unfortunately, we arrived at the hotel and to our surprise, it is nothing like the picture. they were three ( 3 ) single bed with no sheets. The Bedbugs were everywhere on the beds that we could see them with bare eye even at XXXX XXXX  without any accurate lighting. 
It was blood on the bathroom floor too. 
The walls were covered with stain. The room had such a bad we couldn't even stay for 10 minutes. it was very unbearable. We did ask for another room but, we were told thats all they can provide us. 
How do you expect us to go to the bathroom when there is blood all over the floor? That is not sanitary, or hygienic? We were charged over {$100.00} a night for such unclean, filthy place when they advertise for such nice clean room? Please see what picture they send us. This was nothing absolutely nothing like what was giving to us at the hotel. Therefore, we called XXXX the same night and they advise us to leave and dispute the charges with our bank. Which we did. 
Why we didn't say anything about our place in XXXX? Because the room was sanitary, hygienic and it was acceptable. No question or no argument about that but the place in XXXX was EXTREMELY unsanitary, unhygienic and filthy which I cant believe XXXX advertise for such places. 
I have pictures as an attachment for your review. 
My issue with the Capital One is, we did call the Capital One right than from XXXX and I told them what happened. Capital One advised us to take a picture of the room and go somewhere else and that is exactly what we did. They must have a record of our call from XXXX. 
We dispute the charges in XXXX XXXX, XXXX. Capital One response back to us in XX/XX/XXXX that because our room was none refundable there is nothing they can do. I provide them the letter and the pictures that I took. Next thing I know I was told I must pay the {$330.00} and found some official company to verify those pictures are from that room. 
My questions to Capital One are why now? How am I going to do that? where am I going to get some official company to verify those pictures? why would I mislead anyone in the first place? Why I didn't dispute the charges for my place in XXXX? Why would I go through all this headache for what? look at my history or my score what type of person you think I am. What Capital One is doing manipulating their customer is just unprofessional and unacceptable. Please do something about this organization.
Consumer complaint received 2022-07-28
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. (VA)

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or deceit. 
XXXXK OF AXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$94.00} MEDICAL XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX  XXXX XXXX XXXX of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX : {$2800.00} ; XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020
Consumer complaint received 2022-07-28
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: BMO Bank, N.A. (PA)

I paid of my loan with BMO Harris bank on XX/XX/XXXX and the bank proceeded to take another loan payment from our bank account. I called the bank on XX/XX/XXXX once, I found out that another loan payment was being pulled for XXXX dollars. The representative XXXX assured me that the future payments would stop and the funds would not pull from my account. The funds did pull from my account and I valued again and spoke with an XXXX who assured me a check would be sent back in the mail within 24 hours. However, I did not receive the check by XX/XX/XXXX. I called again, now I have hours invested in trying to recover my money. I spoke with a XXXX who assured me he would call me within 24 hours to a resolution to the over payment, Surprise never heard from this representative and now I want my money back with interest and a penalty from BMO Harris Bank. I am not spending any more time with their representatives and having no resolution to this issue.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, an online user by the screen name of XXXX and I met online using XXXX XXXX nearby function. Soon he started romance scam and investment scam. 

On XX/XX/2022 at Chase Bank in New York wire transfer took place to XXXX XXXX in the amount of {$30000.00} as per request from XXXX, XXXX to his family account in XXXX XXXX XXXX 

Soon after he requested to wire transfer more money. When I refused, he is no longer reachable by XXXX app. 

I also filed a complaint with FTC. Files are attached. 

XXXX screen name : XXXX XXXX ID : XXXX XXXX name : English name : XXXX, XXXX Wire transferred to account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account 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 item 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. 

If you feel there is a possibility this account 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 item is 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.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-03-27
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2020-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Fedloan servicing has reopened my student loans after 10years under their proposed repayment plan which I completed in full with the rest of my debt forgiven. They put me in default and forced me into another payment arrangement plan in XXXX. As of XX/XX/XXXX I had my student loan interest put into forbearance under the CARES Act. Fedloan then inaccurately reported my student loan debt as deferred rather than lawfully paused, causing an 87 point decline in my credit score. I have contacted them multiple times regarding the inaccurate information and they refused to correct the remarks repeatedly. I have submitted disputes with all three credit reporting bureaus and each time Fedloan flat out refused to correct the error.
Consumer complaint received 2022-07-28
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. (NY)

It appears that 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.

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 item is 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 XXXX XXXX XXXX XXXX XXXX NY XXXX, BK OF AMER 61**, BK OF AMEXXXX XXXX
Consumer complaint received 2022-07-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.
Consumer complaint received 2022-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX  to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership responsibility allegation of a derogatory item that i see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report i have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA, compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegation require immediate deletion, do so now and here!
Consumer complaint received 2020-05-23
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: CAVALRY INVESTMENTS, LLC (FL)

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They even refer to me as an incorrect name. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.