davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (GA)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXL Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

I opened a TD bank account with two of my stimulus checks while I was in a XXXX  program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-02-10
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: ERC (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (SC)

A credit card was opened in my name with XXXX on XX/XX/2022. Experian has " investigated '' and said that XXXX confirmed the information to be correct which it can not be as I have contacted XXXX and they have an open investigation open. They told me they tried to change the address on the account to somewhere in XXXX, I live in XXXX XXXX  and my previous living was in XXXX XXXX and XXXX XXXX. I never applied for credit or checking or savings with XXXX and I don't understand how this information could have been verified with an ACTIVE FRAUD investigation underway.
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mercari, Inc. (SC)

Mercari et al has refused to be legally/lawfully compliant & has willfully & purposefully been malicious negligent prejudice discriminated retaliated mislead misrepresented conspired by not upholding ALL of my Constitutional rights to privacy that was noticed to them under UCC 1-308 UCC 3-501 UCC 1-103 UCC 1-201 ( 31 ) UCC 3-419 UCC 1-304 UCC 3-505 ; privacy act of 1974 public law 93-579 as codified at 5 usc 552a California Civil Code CA CCP 22.2 ; 8 US Code 1401 ; Title 15 section 1681 FCRA/TILA ; 42 USC 1983 deprivation of rights ; 15 US 1692 ( a ) ( F ) ( 8 ) ; 42 US 408 ( a ) social security ; 4th amendment to US Constitutin privacy ; 18 US CODE 701 identification ; Rights with California address..Mercari et al has illegally and unlawfully demanded I provide them with a government Id and social security number that is illegal and unlawful to do theyve further more refused to provide obligatory information under the privacy act. Theyve refused to compliantly legally and lawfully respond and have instead retaliated by threatening me and to shut my account down if I do not give them this illegal and unlawful demanded information that they are not authorized to collect.I am a publicly recorded private common law non U.S. citizen American national civilian that is no subject to ANY US Citizen laws whatsoever nor may I be threatened coerced or forced under duress to be subject to. Mercari et al is aware of this and has continued prejudice discrimination conspiracy wanton negligence malice misrepresentation misleading but not limited to and has refused to produce any jurisdictionally proper legally lawful standing law that would or could support their claims allegations or demands otherwise and or any alleged contracts. I have never willingly knowingly intelligently intentionally consented agreed given permission or contracted to anything whatsoever that would or could waive my constitutional rights that must otherwise be done willingly knowingly and intelligently as th Supreme Court has ruled that is standing law.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, XXXX, I used Thank You Points to purchase XXXX {$100.00} Sears gift cards from my CitiBank Sears Credit Card account. I received a confirmation email but the gift cards were never emailed to me. On XXXX XXXX, XXXX, I called company and after numerous attempts, I finally received XXXX emailed gift cards. 
On XXXX XXXX, XXXX, I made a {$7300.00} purchase at Sears and I attempted to use the gift cards, but only XXXX gift cards were valid and XXXX {$100.00} gift cards showed XXXX balance and I was unable to use those XXXX gift cards. 
On XXXX XXXX, XXXX, I again called Citibank Thank You Points ( XXXX ) XXXX and spoke with operator who said that I would be notified regarding this issue. 
As of XXXX XXXX, XXXX I have still not heard back from Citibank, so I called again and after being hung up on the phone XXXX times, I finally reached a supervisor who advised me to call Sears. I told the supervisor that I have searched the Sears website and there is no phone number listed. The supervisor told me to hang on the line while he called Sears, but he was also unable to find a phone number to call Sears. Sears does not list any contact phone number on their website.

I specifically used the Sears Citibank credit card to earn the " Thank You Points '' and I wanted to use the points to pay for a large purchase, but they emailed me gift cards that were not valid. 
I had been saving up the points earned because I intended to use for major appliance purchase and was unable to use them at the time of purchase. 
Attempting to contact Citibank Thank You Points is extremely XXXX especially when they continually hang up on me and I have to initiate another phone call, and repeatedly go through their cumbersome menu system in order to reach a live person.
Consumer complaint received 2022-06-23
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. (CA)

I obtained financing through XXXX XXXX XXXX for a vehicle purchase. Every payment was made on time for 60 straight months. The final payment was made on time, however, it was shown on my credit report as delinquent 30 days. This is untrue and I believe a clerical error. It has negatively impacted my credit for years.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2022 I called PayPal because my statement showed two transactions that I have no knowledge of. He/She stated to me that they did not see the company nor did they see any transactions on their end. And told me I had nothing to worry about just ignore it.. I told the representative if I receive money your going to confiscate it.. The representative told me no. Im like oh wow! A little over a month later.. I see both unauthorized charges.. When I click on them.. Nothing is found. I want the removed & my account closed.
Consumer complaint received 2020-07-12
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member on XXXX XXXX. After review all 3 credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX XXXX on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account XXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with.

Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Consumer complaint received 2022-06-23
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)

XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports
Consumer complaint received 2022-06-22
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. (SC)

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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