davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CO)

On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

On XX/XX/XXXX, I learned that my mortgage had fallen out of approval. 

I looked at my credit report on XXXX  to see if there were any issues I could resolve, and found that Southwest Credit Systems was attempting to collect a debt from me in the amount of roughly {$2400.00} from an original creditor " XXXX XXXX '' I called their helpline, and was referred to fill out an affidavit to claim the fraud, which I have filled out, and emailed to them, and attached here. I will not be available to file the required police report until I have returned from the trip I am taking to visit the property for which the loan is out of approval and inspect ongoing work. 

According to the representative on the phone, the account was opened in XX/XX/XXXX, and closed just 2 months later in XX/XX/XXXX. I know from prior experience that the " bill '' that was ran up consists of nothing more than brand new 3 smartphones being purchased under one name. I have included these details in the attached affidavit. 

The reason I am filing this complaint today is because I have already successfully disputed this EXACT account under a different debt collector using the services of XXXX XXXX 

As I am no longer paying their $ XXXX subscription, I am unable to provide the documentation in the customer portal. 

I find it particularly egregious that companies are allowed to commit double, or even triple jeopardy with accounts that have already been discredited with a complete lack of oversight. 

I have also attached a selection of reviews from their XXXX business profile indicating that these dirty tactics are regular business practice for Southwest Credit Systems.
Consumer complaint received 2024-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (CT)

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX regarding a {$640.00} debt reported on my credit report. In my letter, I requested proof of their legal right to collect the debt, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Despite allowing sufficient time for a response, I have not received any acknowledgment or validation from the company. The debt remains on my credit report unverified, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-07-31
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without
my written instructions.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

NEW & UPDATED INFORMATION This will be the XXXX attempt of getting a debt validation from Receivables Performance Management they had said within their second to last response, which is attached that that they have sent Debt Validation on XX/XX/2022. It is now XX/XX/2022, and I have yet to receive anything from Receivables Performance Management. Again, the only thing that I received was an encrypted email from persons claiming to be Receivables Performance Management which I did not opened because of the possibility of a scam, and a letter from Receivables Performance Management of them attempting to " settle '' the account AFTER I have sent them my debt validation request. All of my supporting documents are attached. 

Receivables Performance Management also continues, after I have made them aware several times, to indirectly communicate with me about this alleged debt through the medium of my consumer report. At which point Receivables Performance Management is willfully and maliciously violating both the Fair Debt Collections Practices Act, and my rights as a consumer. 

If Receivables Performance Management, did in fact send the debt validation on XX/XX/2022 I ask that they send proof.
Consumer complaint received 2021-12-06
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. (VA)

XXXX, transunion, and XXXX  have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me XXXX XXXX
Consumer complaint received 2022-06-04
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 accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-04
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. (MI)

THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW XXXX, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.
Consumer complaint received 2022-01-19
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-05
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: CarMax, Inc. (TX)

I called in 2017 to Carmax and attempted to make a payment over the phone with a debit card. The rep advised that they could not take a payment over the phone with a debit card and that I would need to provide my checking account information. She stated the only way I could make a debit card payment was at a carmax location. I advised her that I was overseas and my checking acct was frozen so ach nor checks will not process at the time. The debit card was the only way I would be able to pay at the time since I couldn't visit a carmax location. The agent said she would notate my account. The agent tells me to call on day 31 every month to make my payments because the account would show delinquent and at that point the system will allow a debit card payment. The agent even advised as long as I wasn't 3 months behind, I did not have to worry about a repossession of the car. The rep never once stated that her advising me to pay the payment on day 31 would result in negative reporting given that was their solution to my situation. I consistently paid for a year on day 31 under the direction of the agent. I have disputed the reporting numerous times with carmax who refuses to look into the call or properly investigate. I am requesting for the late payments to be removed because thats what their rep advised me to do.
Consumer complaint received 2022-03-31
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. (MD)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2022-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX 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. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Consumer complaint received 2019-01-12
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. (IN)

I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I noticed a debt on my credit report That's keep lowering my credit scores when i inquiring or dispute it. And now they move the debt to another company so i can't find out who open this debt that is on my credit report
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 14TH endeavor 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 alleged fraud or extortion. 
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 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After receiving multiple pre-approval offers to open a Capital One SAVOUR One card, I decided to apply for the card. Both the pre-approval offers I received in the mail and web page for the exact Capital One credit card for which I applied promised a sign-up bonus of {$150.00} if I spent {$500.00} within the first 3 months of spending ( this bonus has now been increased to {$200.00} ). I have another credit card with capital one, and yet, they still sent me this offer. I applied for the card and spent the money required to receive the bonus. However, upon calling Capital One to see why the bonus was not applied I was told that it didnt apply because if you upgrade your card, it doesnt apply. 

I told the customer representative that this didnt make any sense. I NEVER requested to upgrade my ( no fee ) SAVOUR One card to a SAVOUR card ( with a {$95.00} annual fee ). My card was opened as a SAVOUR One card and still should be. I should not be ineligible for the sign-up bonus because of an upgraded card when my card was NEVER UPGRADED. 

I was then told by a representative that I was correct and that my card was never upgraded, however, I was still ineligible for the bonus because I have another Capital One card. Capital One NEVER used language in their promotional material that made it clear to applicants that if you already have a capital one card that you will be ineligible for the bonus. Their promotional material says that the bonus is open to new card members. They never differentiated between new to Capital One Cards and new to a specific Capital One Card. 

To the average person, if I dont have X card, then I am not a card member in the context of applying for X card. If I apply for X card and am approved, I will then become a new ( X ) card member. It doesnt matter if I already have Y card. It doesnt matter if both the X card and the Y card are owned by the same company. If the company wanted to relay to customers that they wouldnt be eligible for a sign up bonus if they already have another one of the companys cards, they would say that the offer is only open to new COMPANY NAME card members. 

Capital One should have been upfront in saying that the sign-up bonus was open to new CAPITAL ONE card holders only. Instead, they capitalized on ambiguity and sent promotional material to existing capital one card holders KNOWING that those people might unwittingly apply for a card based on promises that would not be fulfilled. It is unscrupulous, and thus, I am making a formal complaint.
Consumer complaint received 2022-03-31
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)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX 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 XXXX now XXXXm XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, the day after my debit card was stolen, I had initiated a claim with bank of america for an ATM transaction that was not done by me. That entire day I was in XXXX California and spent the night there. I had been out during the day, in XXXX, when my debit card went missing. That debit card had not yet been used or even activated. After it went missing, I had found out that someone had activated the card and used it for an ATM transaction somewhere nearly 30-40 miles away in the middle of the night. I was nowhere near where that happened and even have XXXX receipts from the day and other transactions that occurred during the day that prove that I was not anywhere near where the ATM transaction occurred. I reported this transaction to bank of america and they are now denying my claim. I did not make this transaction nor did I authorized anybody else to make this transaction. My ID and PIN were stolen along with the debit card because they were all in my wallet which was lost/stolen during this day.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.