davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XXXX. XXXX XXXX also placed the account in collections with XXXX XXXX XXXX as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted Transunion and XXXX as well and seem to be getting nowhere with the removal of these charges.
Consumer complaint received 2023-01-03
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-03
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. (NE)

XXXX credit card charge-off on my Experian Credit Report was suppose to be removed according to their Credit Report in XX/XX/2023, now they have removed the On Record Until Date with no explanation ( see attached pdfs with highlighted information ). I tried to dispute this item and they will not let me online anymore, which is a violation of the FCRA. I tried calling and got disconnected 3 times. This account should be deleted immediately as per their own Credit Reporting. This item is affecting my ability to get a mortgage and is also a defamation of my character at the moment as they have provided no reason why this is still showing on my report and if it continues to appear I want to excerise my rights under FCRA 61 l ( a ) ( 6 ) ( B ( iii ) for a complete Method of Verification as to why this is still on my report.
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. LVNV FUNDING LLC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

they been holding every deposit i make to my business account for seven days since XX/XX/XXXX XXXX deposit amount XXXX date XX/XX/XXXX. deposit amount XXXX XX/XX/XXXX. deposit amount XXXX XX/XX/XXXX. i contacted wells fargo in XXXX when they first did this and they said they couldnt do anything about it because of overdraft that i had. i explaint to them that this wouldnt help me because it would cause other overdrafts because i had to pay my mortgage and some employees. they did nothing about it and continued to put a hold on every deposit i make.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Since XXXX XXXX XXXX  I did many calls to XXXX XXXX XXXXXXXX XXXX , about the rest of the money that I have in my XXXX XXXX XXXX XXXX, because they close me the account that I open by online, because seems something was wrong. They sent me deferents emails that I did something that I wasn't. Then, when I tried to sing in in the account, the system automatic put deferents numbers of phone, and they weren't mine either. It seemed to me that it was like a fraud, so by many calls they decided to send the rest of my money by check. Then I found out that the didn't send it, I complain again and finally the send it on XX/XX/XXXX according to email received on XX/XX/XXXX NoReply   Subject : " Checks have been mailed to the Recipient/Employee '' Dear XXXX , Your payment has been successfully issued and checks have been mailed. Below you will find the transaction details regarding your check. 
Check Amount : XXXX Check Date:XXXX XXXX I still waiting for this check, they told me with my last complaint that is the only information that they can see in the system. Their phone is back the card : XXXX.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc. (IL)

I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a car and can't get approved because of it. 

in accordance with the fair Credit Reporting act XXXX Account # 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 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 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I had a Citi credit card, and I was charged {$450.00}  annual fee. I called to ask to waive it, and I was told I ca n't. 
I asked if I cancel will they refund the money prorated based on days left, they said yes. So I went ahead and canceled. 
I did not receive a credit and they are saying the card is not eligible for a credit. I canceled 10 months of the cc based on getting a refund not for no reason.

Below is their final answer on XXXX XXXX Dear XXXX, Thank you for your further inquiry. 

As mentioned in our prior messages to you, your XXXX XXXX World MasterCard Elite Executive card account ending in XXXX is not eligible to receive a full or partial credit of the Annual Membership Fee. This fee is non-refundable for this account. 

We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards. 

We hope this matter has been clarified and we now consider this resolved. Please note that we will be unable to reply back to further inquiries regarding this specific issue. However, if you have any other outstanding issues, we 'd be happy to help you with those. 

While we are unable to accommodate your request, we appreciate the opportunity to explain our position. 

XXXX, Sr. Account Supervisor.
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANTS CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft. 

I reject your offer to contract. I did not consent to any nonafliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act.

I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
Consumer complaint received 2023-01-03
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. (SC)

In reviewing my report from Transunion, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Transunion automated service, however, I had no success by phone. The following inquiries are unauthorized : 1 ) XXXX ; Inquiry date XX/XX/XXXX and 2 ) XXXX XXXX ; Inquiry date XX/XX/XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Consumer complaint received 2023-01-03
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. (IL)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-03
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. (TN)

I'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.
Consumer complaint received 2023-01-03
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WV)

I received an email stating that there was suspicious activity on my account, and I needed to send in a proof of residency and an ID verification. I sent in the documents that they requested and was told that someone would reach out to me regarding my account. It has now been over a month, and I have sent emails to their support team, outreach and members services. No response from anybody. When reaching out to their customer service over the phone all they tell me is to be patient that my documents are under review. I have bills that are now behind, and my kids didn't get a XXXX due to their negligence. I have read other consumer reports, and this seems to be an issue for more than just myself. I have done everything on my end they have asked of me, I'm just asking that somebody unlocks my account so I can care for my family the only funds that I have are in that account. XXXX : Sent in my documents ; XX/XX/XXXX : sent in my documents again this time to Chime Support, Chime Outreach, and Chime Member Services ; XX/XX/XXXX : sent in my documents again ; XX/XX/XXXX : asked for an update ( was told to be patient they were still under review ; XX/XX/XXXX : asked for an update again ( got nowhwere ) ; XX/XX/XXXX emailed them again asking for update and sending documents in again ; XX/XX/XXXX : emailed XXXX they responded back stating its not in their hands that it is chime but chime says that it is XXXX XXXX and XXXX called and emailed Chime they gave me same response that i have to email XXXX back office and they will get back to me which i have been waiting for their response for a month now.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP (VA)

Capital Management Services , LP has tried to contact XXXX XXXX XXXX XXXX XXXX and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX
Consumer complaint received 2023-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a card with Capital one Bank I have been paying off for the past XXXX years. I have XXXX payments left and requested a settlement. I reached out to them and they refuse to allow me to settle after I explained XXXX dealing by with a hardship.
Consumer complaint received 2024-10-11
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. (CA)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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