davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MN)

The collection agency is called CACH , LLC. Several years ago, they sent me notification of collection for an account I did not open, or do not recognize. They claimed I opened a credit card with XXXX XXXX. When attempting to contact them for more information, they did not answer and did not return my message. They continued to send me collection notices but would not answer my attempts to contact them. I was then sent a summons to appear in court, and I remember the court date being for XXXX. Since they were not answering my calls, I wrote them to get the information about the account I allegedly opened. They did not provide any requested information and only responded that I have to pay the amount they require. Then I received notice that I lost the court case after not showing up in court in XXXX ; the court date had been changed from XXXX to XXXX and I was not sent any notification of this. ( " Playing dirty '' as the expression goes. ) In the judgement itself, they provided false information regarding the communication. Over the years since, they have sent garnishment notices to my employer. I have had money garnished from my checks and then refunded back to me ( apparent legal action against Cach? ), and then later garnishments started up again, stopped with no explanation, and start up and stop again. I have documented that at least {$950.00} has been garnished recently and stopped without explanation, and the judgement is still out there against me though I have not withheld funds. My employer does not have an explanation either. CACH still does not answer when I attempt to contact them. They are maintaining an unpaid judgement against me but are not continuing garnishments and are not showing any record of the funds they have taken.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is already been paid on full I ask them to deleted they refuse same as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX Bankruptcy 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 XX/XX/XXXX
Consumer complaint received 2023-05-25
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. (MI)

In accordance with the fair Reporting act, the list of accounts below has violated my federally Protect consumer rights to privacy and confidentiality Under 15 U.S.C. 1681 ( 5 ) XXXX bank account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy ( public record ) I told Equifax to re-investigate these accounts However they stated everything is complete and accurate. But how is this possible, when the address of this account is incorrect thats not connect to me I send verified information that has been submitted to Equifax with valid driver license, and valid police report of this fraudulent account This account has not submitted any documentation of signed written original agreement with my written signature attached to any document associating me with this account they have surpass the 30 day period to provide this information as request by me on previous dispute of this account that Equifax Has completely neglected my rights under 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy 15 U.S.C. 1681 section 1681 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 to 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 conviction of crime which antedates the report more than seven years 15 U.S.C. 1681 S-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 Also they arent in compliance with metro 2 reporting, I have evidence to prove my case If these accounts was accurate which I know this information is not accurate. where is the source or documentation showing where equifax has gotten this information from to have these accounts in my credit report or bankruptcy in public record which has never been provide to me under my FRCA right to me. which equifax has never provide this information within 30 day period to believe these account has been verified. If any shared information from any Consumer to equifax without my knowledge is an direct violation, equifax is powered by XXXX XXXX which has stated in an written documentation letter to me they dont have any information of me in there data base what so ever, including the bankruptcy courts written letter stating no such information has been provide to any credit bureaus,
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-05-23
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (NJ)

This is a complaint regarding to Discover credit card ( XXXX XXXX : XXXX ). 

In XX/XX/2023, I got an offer that spending {$250.00} on digital wallets, I would receive {$25.00} cash back. I called Discover telephone number on the back of my credit card XXXX. A gentleman answered my phone and he confirmed with me I did have that offer under my account. I asked him whether I can use XXXX to compete that task. He answered YES. 

XX/XX/2023, I called XXXX again. The phone connected with XXXX XXXX, who told me that she is a specialist based in XXXX Office. She said I should receive the {$25.00} cash back bonus on XXXX Statement on XX/XX/2023 because the {$25.00} cash back bonus applies to my account after two billing cycles. However, I did not receive the {$25.00} cash back on my XXXX Statement. 

Therefore, XX/XX/2023 I called XXXX again. The phone connected with XXXX XXXX She said that because there are some returns so the amount I spent is less than {$250.00} ; therefore, I am not eligible for the {$25.00} cash back. I explained to her that your Discover credit card does not take back cash back when there are returns, but now the fact that you told me you do take back cash back is too late. If I knew you took back the returns, I would have spent more to make up the amount. 

Please see attached XX/XX/2023 cash back summary, which shows very clearly that the XXXX returns does NOT take back from cash back. Now because Discover does not want to pay, they said they do, which not match with the attached summary. 

I asked XXXX XXXX to escalate the case. After XXXX days, XXXX called me, treated me very badly. I asked her what is her last name. I just want to use it as a reference. She even didnt want to provide it to me. Everyone in Discover I talked before was able to provide last name, why is she so nervous? It does not make any sense. 

I want Discover to give the {$25.00} cash back because I have spent the time to call Discover, and then I did all the work already. If there are any information misinformed by Discover representatives, I should not be the one who takes the responsibility.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I learned that someone had hacked my Netspend pre-paid debit card and taken every cent of my Social Security monthly payment out of my account. I notified Netspend and learned that due to this my account with Netspend was now even overdrawn. 
Netspend told me that whoever did this used my card at a XXXX XXXX XXXX in XXXX XXXX, Ca. and I live ruffly XXXX miles from XXXX XXXX in XXXX, Ca. I called the manager at XXXX in XXXX XXXX and he told me that someone came into his store and purchased four ( 4 ) pre-paid XXXX cards each at a value of {$100.00} plus a {$5.00} tax for a total of {$420.00}. Netspend failed to even notify me of this going on, nor did they even consider this to be a stange transaction. There was also a purchase made at a XXXX XXXX and I've never been in a XXXX XXXX. I don't believe there is even one here in XXXX, Ca. Netspend would not tell me the amount spent at the XXXX XXXX! Netspend simply told me I had to file a dispute ( which I did ) demanding the funds be placed back into my account since this was the monthly Social Security funds I had just received as I had nothing to do with this. Netspend told me they could not do that and all I could do was file a dispute. 
I also took it upon myself to file a police report as well with the XXXX Police Department ( report # XXXX ) as well. Netspend also stated to me that someone had contacted them back on XX/XX/XXXX at XXXX claiming they were me and Netspend allowed them to change both my contact phone number as well as my email address all without confirming it was even me they were speaking with. Nor did they follow up and contact me asking if I had done this! I am XXXX XXXX XXXX and have had to go all month long with no funds since Netspend failed to replace my funds due to their negligence and failed security. Yesterday ( XX/XX/XXXX ) Netspend notified me they were NOT going to replace my funds and claimed they did an investigation. They did nothing! I spoke to the manager at XXXX again just last night and he never heard from Netspend so what investigation are they talking about? Plus the store video showed a XXXX couple making the purchases of those XXXX cards and I happen to be white and XXXX miles from XXXX XXXX! Netspend should be held responsible for customers funds yet they get away with simply doing nothing. They shouldn't even be allowed to do business as a financial institution and I hope you investigate this matter.
Consumer complaint received 2023-05-25
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. (GA)

to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX-REPORTED Account Number : XXXX Please remove it from my credit report. 


10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX