davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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: DISCOVER BANK (MA)

ON XX/XX/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. 
THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Management Solutions, LLC (MD)

I lived at the address LISTED AS XXXX XXXX XXXX XXXX XXXX and left in XXXX of XXXX INACCURATE : AMOUNT LISTED ON EVICTION COURT DOC OWED IS XXXX $ PER I WAS NOT AT THE RESIDENCE AT THE TIME THIS WAS POSTED DUE TO LANDLORD FAILING TO UPDATE UNIT WITH PROPER SAFETY. info shown by XXXX XXXX XXXX FINANCIAL MANAGEMENT SOLUTIONS Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5300.00} Amount {$5300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FINANCIAL MANAGEMENT SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX WHICH : XXXX is reporting inaccurately that i lived there in XXXX : Account name FMS FINANCIAL SOLUTIONS Also known as FMS FINANCIAL SOLUTION Account number XXXX Account type Collection Responsibility Individual Date opened!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment XXXX 0 Monthly payment {$0.00} Original balance {$5300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX : ANY INACCURATE INFO SHOULD BE UPDATED AS WELL
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. (FL)

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX BANK XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$470.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2600.00}
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. (FL)

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 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 XXXX another research item I found that requires XXXX to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If EXPERIAN, XXXX and XXXX do not provide any records & claim the items are 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 2022-04-06
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. (IA)

According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.
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. (MI)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXXXXXX XXXX XXXX XXXX of XXXX I also wrote to them to remove the bankruptcy
Consumer complaint received 2023-03-15
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: DISCOVER BANK (NC)

Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022, for my Discover Bank account. 

I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2022-09-11
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. (MI)

Please read complaint # XXXX Transunion 's response was that I may be a victim of fraud. What the XXXX are they talking about? ONE : I am NOT a victim of fraud. TWO : If I was a victim of fraud has ZERO relevance to my complaint. My complaint stated specifically that Transunion has been deliberately manipulating my credit score to cause me harm as retaliation to previous complaint I filed against their CEO, XXXX XXXX XXXX and emails I sent directly to him at XXXX. I sent those emails to make sure he could NOT make a PLAUSIBLE DENIABILITY claim once I file civil charges against him personally. This latest attack give me more evidence, so thank you for that. In the meantime, TransUnion didn't come close to properly responding to my complaint I filed on XX/XX/2022, Which is now nearly 2 months ago. 
My credit score dropped XXXX pts on XX/XX/2022. Please provide the changes to my credit report from XX/XX/XXXX through XX/XX/XXXX that could have dropped my score XXXX, as I had all positive changes. NOT possible! Answer the complaint?
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior 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 2022-07-28
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)

I went to XXXX dealership to get a car. I was told there would be only one bank and there is multiple inquiries. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/21 my phone was stolen in XXXX XXXX, LA resulting in criminals gaining access to all of my accounts/information. Over $ XXXX in fraudulent transactions occurred across various accounts. 

XXXX XXXX, XXXX Bank, and XXXX XXXX have all honored my fraud claims and since resolved them. Navy Federal credit union is the only institution not to honor my claim stating that I am liable for {$2100.00} in fraudulent XXXX transactions.
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)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 ; XXXX XXXX BALANCE : {$1100.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX BANK ) XXXX BALANCE : {$320.00} ; XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was a victim of fraud. I was hired as a secret shopper with a company called XXXX XXXX XXXX and was provided a fraudulent check to deposit to purchase merchandise in a form a gift card which they extracted funds from. the check I deposited to my Capitol One XXXX checking account was released in XXXX amounts. The check was then reversed, and I was out the deposited amount. I contacted the bank to file the claim and while on the phone with the agent they closed my account, and I could only access my funds via ATM. I asked why and they said since I was filing a claim and I have only been with the bank for 5 months they decided to close my account and keep my money XXXX. Capital One is a virtual bank so no actual storefronts. I asked that my money be transferred to an external account since I need access to my money. They said I would have to withdraw the fraud claim and still close the account. I find this to be unethical practice. I was the victim I was following the proper steps regarding the retrieval of my stolen funds.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Ever since I submitted my complaint against XXXX  ( XX/XX/2020 ), they have required that I two-step verify EVERY SINGLE TIME I log in to XXXX. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using XXXX, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, Equifax  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (VA)

I have reached out to XXXX XXXX by phone numerous times to try and fix my locked out account. Due to this, I was unable to access the account starting in XXXX. Additionally, I never received a statement regarding the outstanding balance to my address. Additionally, the only way I found out about the debt collection was from my credit report on XX/XX/15. I did not even know I had an outstanding balance of {$180.00}, let alone could not see that there was anything still due. It is not fair that my credit is damaged because they ( neither XXXX XXXX nor the collection agency ) did not inform me of any debts due or even collection agency. I called dominion once again on XX/XX/15 who said they could not do anything because of my account being closed. I called the collection agency and paid as I try to work with both groups to figure out why they charged me in the first place. They never gave me any information on the debt. They admitted to sending the notice to the wrong address.
Consumer complaint received 2022-09-11
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.