davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

The below listed " LATE PAYMENTS '' that are being reported within my credit report is inaccurate account information. I have never been late with my payments on these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of XXXX, XXXX, XXXX the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 

( Late Payments Here ) NISSAN MOTOR ACCEPTANCE ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX )
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo charged me six overdraft fees in one day, at {$35.00} per transaction for transfers between account and three withdrawals that had shown on the ledger 3-5 days prior, with a remaining balance. {$210.00} is excessive and more than half of my weekly paycheck to a company for allowing transfers, etc.
Consumer complaint received 2018-02-14
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a single mother of XXXX young sons currently receiving unemployment because I was let go from my position due to not reaching my XXXX goal. Based on my credentials, I have received four employment offers in the past month alone however two of these offers have been rescinded upon review of my credit report which reflects three charge-offs totaling approximately {$25000.00} which just occurred in XX/XX/2017. 


I have been in communication with the credit card companies as well as the credit reporting agencies to come to an agreement to pay this off as well as to remove the charge off from my credit report so that I am able to attain employment. To date, they are unwilling to work with me on this. This is a true Catch 22, I have to pay the debt but how would I pay this debt if I can not obtain meaningful employment. 

These charge offs occurred when my then husband lost his job and we were unable to pay these bills. We are currently separated, and at some point will go through the divorce process which again due to unemployment I am unable to move further. 

Attached you will find my resume which should speak for itself with XXXX, XXXX XXXX, XXXX XXXX and a couple others spanning over twenty years of a successful, professional career without ever experiencing a job loss. 
I am a well educated professional woman with many years of experience yet my job offers are rescinded due to this debt. What law allows a credit card company to tarnish potential jobs, as well as a company who can rescind an offer to a more than qualified candidate who has passed all clearances including FINRA. I desperately ask for your assistance with this situation, anything you can do to help this single mother of XXXX young sons. 

PLEASE PLEASE PLEASE help me! 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (FL)

This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....
Consumer complaint received 2018-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MA)

I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. 

On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. 

Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable.

Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.
Consumer complaint received 2018-02-13
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)

IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, consumer adj co balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX balance {$370.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}
Consumer complaint received 2018-11-01
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Today XX/XX/XXXX - I reviewed my credit report and noticed an open collection account that I just realize was never mine. The amount owed is {$370.00} to XXXX XXXX XXXX XXXX XXXX XXXX This account was opened in XX/XX/XXXX. The DATE is what caught my attention because I was in a XXXX XXXX XXXX XXXX XXXX in which ALL of my creditors were notified and my debts successfully settled. 

Today I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX. He attempted to find my account using my married name - XXXX, my maiden name- XXXX and the last XXXX digits of my SSN ( XXXX ) - He was unable to find any record of an account for me. He advised that I call XXXXXXXX XXXX 

I called XXXX XXXX XXXX XXXX XXXX XXXXXXXX and spoke to XXXX. I provided him my social security number in which found an account. He asked me to verify my address, to which I provided my current address, and my last known addresses in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX and he said the address they have on the account did not match. He proceeded to tell me that he can not give me any information on this account. 

I have only had XXXX accounts with XXXXXXXX XXXX XXXX XXXXXXXX that is current with XXXX, and XXXX that was a luxury account that was settled by XXXX XXXX. At XXXX point my husband had a XXXX XXXX account through XXXX Bank that was I ONLY an authorized user on.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Transunion I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX Balance {$1600.00} Open XX/XX/XXXX, is not complete and accurate. Also there are inquires from XXXX XXXX on XX/XX/XXXX and XXXX on XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX and XXXX on XX/XX/XXXX not my inquries remove and update my credit report. 
And XXXX more thing according to 15 USC 1681s-2 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. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent letter by registered US Mail asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate everything is not complete and accurate And according to and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX/XXXX  XXXX  # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries on my credit report. Due to a recent data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries appearing on my credit report. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have this information permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX/XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX XXXX, XXXX o Balance : {$0.00} XXXX. XXXX/XXXX  o Account Number : XXXX o Date Opened : XXXX XXXX, XXXX o Balance : {$0.00} Inquiries to Be Removed : XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CO XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (SC)

I submitted a request to Equifax to remove two unauthorized ( XXXX, XXXX  XXXX ) inquiries off of my credit report. They said they investigated and they were actual and I should contact the account holders, I submitted this to the other bureaus also, with the items being deleted. These were unauthorized without permissible purpose, and the bureau is held accountability for accurate items, how was their investigation now successful in a deletion, did they fully investigate? This bureau is a common name nowadays with consumer breaches and consumer files.I want these items removed or supply me with how they investigated and provide me the proper paperwork with my signature authorizing these accounts.