davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I do not have records in front of me. They are contained in emails sent by Discover. I used this card quite a bit at first, and decided to create an online account so I could see why my balance increased suddenly by a few XXXX dollars. I found XXXX fraudulent charges-1 with XXXX XXXX Glasses, and another charge for a optometrist that did not happen. I watched my account change before my eyes... However my balance was still extraordinarily high. 
I closed the account and Discover said they did not see this at all. 
I changed my payment to auto-pay for {$100.00} a month until I saw my balance was in the {$400.00} range. 
I decided to drop my payment to {$50.00} per month, and saw that last month, instead of reducing my balance, instead it increased to the {$500.00} range. 
Before finding this out, I tried to re-open my account since I now have a new raise and a job with the city. 
Discover rejected my application and added extra interest... to me, it seemed like a COERCIVE ATTEMPT TO PERSUADE ME TO PAY THE CARD OFF AT ONCE ... INTIMIDATION. 
I have had persistent problems with Account Execs who do not have the skillset vocabulary to know the difference between earning interest vs. being charged interest. I could not get them to give me the actual amounts either.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested on XX/XX/year> for the XXXX, XXXX, Trans Union 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 and validate the account and provide me with a copy of my wet ink signature and I have not receive nothing from anyone to this day. I have never done business with neither of these companies.
Consumer complaint received 2020-12-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters EXP XXXX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-09-20
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. (GA)

This line of credit I have with XXXX / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXXXXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX XXXX XXXX the person that is making the report. 

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I received an email today that says " After careful evaluation, we are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I have been with USAA for around 30 years, most of which was as a XXXX XXXX XXXX, I am a XXXX XXXX which qualified me for their services. 

I had several savings accounts, and a checking account with just over {$10000.00} in them, and 1 credit card with a {$0.00} balance as we use others. My credit score is high and we carry no debt other than our house. 

So I could not imagine why they sent this, the letter references just the credit card but when I called, and was on hold several times for an hour I was escalated to their Executive Resolution dept or something similar and was told they would not disclose any reason for the closure and also ALL of my accounts would close on XX/XX/2021 This makes no sense. I worked overseas for the last 7 years and just returned on XX/XX/2021 from XXXX. I spent 1 year working at XXXX XXXX with the military and then took a job with the XXXX government as an XXXX XXXX XXXX. They pay well so of course I transferred money back home on a regular basis plus a large deposit of my final pay when I left the job. 

If they were concerned about these transfers they could have asked as I have documentation of the job and pay. 

Otherwise I can not imagine why they would close the accounts.

It is unacceptable that they can do this type of thing to consumers. I am not inclined to remain with them at this point but I deserve a reason.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NH)

This is the XXXX XXXX XXXX XXXX New Hampshire I lived on the border in XXXX NH and worked in XXXX so I believe 30 years ago that in the area for some reason the post office was combined. Just in XXXX because the population rural also may have two I do know someone who lives in a town nearby but they have 2 same zip codes for mail and post office boxes so this was 30 years ago but no it is not likely both as on credit report I have little to go by but it may have been someone at the same time and or unknown to get my info ID theft. I also have obviously lived at XXXX XXXX XXXX XXXX XXXX but mail was always missing from both parents growing up. So if it was showing XXXX XXXX XXXX I opened it at XXXX  when legal because I was not happy mail missing XXXX XXXX XXXX XXXX ( XXXX prior to XXXX ) and may be XXXX XXXX now XXXX. But mail by mother did happen a lot. So at XXXX opened XXXX XXXX XXXX XXXX tired of it. Own mother. But if showing as resistance at a later date it may not be me. However it may explain why I was not receiving my mail even at own place and should have had nothing to do with the residence. This is why I still question how my mother is last known connecting with people that I rented from etc. and same area and mail. If in my name I can only say which are mine if I am not sure I am really starting to question this. So it was on experian however it may be on the others and they may have more of a mess. 
XXXX XXXX XXXX XXXX is one I likely mentioned. However the mailbox was in addition to other questionable items as XXXX XXXX  XXXX etc missing. XXXX was the mail carrier. He sadly told me that because of the ice he wanted to get it up but he said that he was not allowing because XXXX XXXX XXXX did not fix mailbox sand clear and even left it when a plow might hit it more than once. So at the time during that winter storm which was not by landlord taking the responsibility to even get it to where the town asked him to put the mailbox so it would be less likely to be an issue. So town asked him to pick it up at the post office. Odd thing is he would not let me go to get my mail. Here is the correct address for my XXXX post office address about XXXXyrs old.
Consumer complaint received 2021-01-16
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: Experian Information Solutions Inc. (TX)

The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

I contacted all 3 credit bureaus regarding wrong information in my credit file. I even submitted a copy of my identity theft affidavit 40 days ago and these companies are still refusing to remove negative and inaccurate information from my credit file.
Consumer complaint received 2023-05-08
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. (FL)

My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 
I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough.

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it.

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate.

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher.

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I was applying for a mortgage last week and my broker found an account in collections for a " personal loan '' for XXXX XXXX The account apparently says it was opened on XX/XX/17. I was living out of the country and in XXXX XXXX  at the time. This account is not visible on XXXX  or XXXX  but she could see it. She told me it is in collections and looks like was originally through XXXX XXXX which I have never used ). I can prove I was not in the country in 2017. Please help me to remove this issue. It is very frustrating that it is not visible on consumer credit bureaus as I check my report once a week. Kind Regards, XXXX XXXX I am also disputing the XXXX XXXX collection accounts ( these I can see on XXXX  ) as these were paid by insurance and have heard nothing back.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Formal Complaint R

egarding FCRA Violation and Inaccurate Information ChexSystems Consumer Relations, I am writing to formally dispute inaccurate and negative information reported on my ChexSystems consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). The following inaccurate information is damaging to my financial reputation and must be
corrected or removed promptly : Institution Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account listed as charged off " or " Unauthorized account reported without my knowledge. 
Under the FCRA, ChexSystems is required to ensure maximum possible accuracy of the information provided on consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, once a consumer disputes an item, ChexSystems must conduct a prompt, thorough investigation and correct or delete any unverifiable or inaccurate information within 30 days ( 15 U.S.C. 1681i ( a ) ). 
I have already contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue, and they were unable to verify the information or resolve the matter. Despite this, the negative entry remains on my report. I have respectfully requested that ChexSystems remove the inaccurate or unverifiable information from my report if it can not be substantiated. They have yet to do so.
Consumer complaint received 2022-11-29
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: Atlanticus Services Corporation (PA)

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.