davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MS)

Sofi bank did not refund my money after a merchant took my funds unauthorized, they made me wait 90 days and denied a claim i had proof to be valid total of XXXX us dollars, on top they closed my account and the merchant taunted me about it. this has caused me great hardship and sofi should return my cash i talk to law enforcement and they said it should be a charge back to my card instead sofi denied and closed my account.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Credit Management CO XXXX XXXX
Consumer complaint received 2024-07-11
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. (NJ)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-10
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. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/year>, I Received an email from capital one bank informing me that they are canceling their business relationship with me on XX/XX/year>. They gave me no reason to why they are ending our business relationship. Ive been banking with capital one for over 6 years, so this decision baffled me. What makes my situation even worse is I get direct deposit from my job XXXX. My {$2500.00} check deposited into my account on the XX/XX/year>, one day after this decision by the bank was made. They told me even though that money has nothing to do with their investigation they can not release my hard earned money to me. They said they do not know when they will make a decision. This is very unacceptable! 
I have so many bills I have to pay, I am currently behind on my bills due to me not being able to access my funds thats in the account. They didnt give me a warning ahead of time about closing my account on XX/XX/year>. Actually I received a email on XX/XX/year> stating that theyre restricting my account the same exact day. That gave me no room to be able to stop my deposit from entering my account. On the email they stated that A check will be mailed to me within XXXX business days. As far as right now it doesnt seem like they are planning on doing that. I called them this morning XX/XX/year>, I was informed that no decision was made yet. Which means I will not be receiving a check in the mail within XXXX days like they stated. At this point I am very frustrated due to not having access to my funds and not being able to pay my Rent, Car Note, Car Insurance and credit card bills. Ive tried to be patient and try to communicate with them as much as possible to resolve this issue but they are not giving me any information everytime I speak to a representative. At this point I dont know what to do. Im here for help. Thank you.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX. XXXX, Section XXXX, I have the right to privacy. Additionally, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to XXXX XXXX. XXXX ( b ), a creditor XXXX not treat a payment on a credit card account under an open and consumer credit account as late for any purpose. 

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I received an email from Nelnet on XXXX24 that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast XXXX - XXXX years. However, the full balance is still showing on my credit reports at XXXX, XXXX and XXXX.
Consumer complaint received 2024-08-07
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: FactorTrust, Inc. (MI)

I just checked my XXXX Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows 20 late payments. If this car had this many late payments it would have been Repossessed, but was not. 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. XXXX has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( 15 U. S. Code 1681e ( b ) and 15 U. S. Code 1681i ). Inaccurate Account : XXXX XXXX XXXX, Account # XXXX. XXXX has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( 15 U.S.C . 1681s2 ). Also, according to the FCRA 15 U.S.C. 1666 ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that XXXX delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

I had this card for a few years and always made payments on a timely manner. 

Today I called in to get a card replacement and they said i can not because the account is closed, I asked them why and they said its because of me not verifying my identity? 

I told them i have never recieved any notification requesting identity verification. They said i can not reopen any discover credit card anymore.

The agent said he does not know if this will affect my credit score? 

I can't believe they would do this to me.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

I opened an auto loan with American Honda Finance on XX/XX/XXXX. I've made payments on time ; however, there is an error indicating that XX/XX/XXXX and XX/XX/XXXX payments were late. I have contacted the lender regarding this matter on several occasions. It was a clerical error that needs to be corrected, as it is preventing me from purchasing another vehicle. Thus, this incorrect information needs to be removed immediately.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit account as late for any purpose.

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX had a dispute on my credit card due to balance showed when the card was paid off. 

Experian called XXXX and told my credit card company that fraud was going on my credit card in which it was not. 

Experian caused XXXX XXXX XXXX in which was closed and I did not call or email saying there was fraud on my account in which there was false statements made on my account. 

Experian also did not have my permission to claim fraud in which point there was no fraud done on my card. 

The dispute was about Experian not updating the correct amount and making false statements that was not called in as fraud and avoided what was the complaint made on the balance and Experian put a twist to the whole matter by creating false claims. 

XXXX XXXX XXXX XXXX XXXX negilent closing my account with no notice by Experian making false statements. 

There was no report made by me as stolen or fraud on my card by signature or a call to XXXX XXXX XXXX If the matter is not resolved I'm going to file a law suit on XXXX XXXX XXXX XXXX due to fair credit practice and false claims made by Experian and XXXX XXXX not calling me or BY mail. email or nothing closing my account by error and being bias to claims by not contatcting me. 

There is no balance nor any fraud that was done. 

What was committed was negilance due to false claims and being reckless.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TN)

I have been trying to get my money from Citibank N.A since XX/XX/XXXX I have filed complaints with FDIC OCC and CFPB they stated it would be 60 days then they needed information I gave it to them then they stated I would have my money via check by XX/XX/XXXX it never came then they needed something from the company that sent me a wire transfer a real XXXX company and submitted a letter as did I. I have been trying to resolve this matter and get my money for 8 months now. I have lost my home due to this. 
MY NEW ADDRESS IS? : XXXX XXXX XXXX XXXX XXXX TN XXXX OLD ADDRESS WAS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX NEW PHONE NUMBER XXXX AND XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

DISCOVER BANK XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Late payment info incorrect Please remove Attached proof of payment has violated my rights. The report is incorrect, I looked at my credit report on XXXX, 2024 and noticed some things are 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 2024-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

On XX/XX/year>, I send {$720.00} to my extended family member name " XXXX XXXX '' in XXXX. The money was never received by him and the recipients bank is not able to see any information related to that transfer. The transaction reference number ( XXXX and XXXX ) provided by Remitly has no record on the recipients Bank and they are unable to check any details for the funds. Upon checking we realized that the XXXX last digits were wrongfully entered. Understanding the error I reached out to Remitly to rectify the situation and track the funds on multiple occasions but they are not providing any details of where the money was transferred and not modifying or refunding the amount. Please keep that in notes that prior to processing any funds I provided the Name, adress, XXXX  account and all details has to match in order to process funds. XXXX  number is use to locate the national bank ID, account number in case of error the money should be returned.
Consumer complaint received 2023-05-27
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. (GA)

XXXX, Transunion, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
Transunion - Is showing Payment after charging off. 
XXXX Is showing just charge off
Consumer complaint received 2024-08-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours sincerely, _____________________________________ XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (VA)

I found about this debt after pulling my credit report. XXXX after I was denied by a housing complex, I wasnt aware of this debt, I was affected bye the pandemic and I lost my job car etc, moved from there XX/XX/XXXX. With a forwarding address I never received a letter from the debt collector, {$2500.00} This account was opened XXXX XXXX pandemic I reach out to get more information about this debt. For a rep to say to me we have already sent you out a letter after this letter just accept the offer. What offer? So I provided them with an address, contact number. To call back after getting the letter to asking questions on how this letter look and there are the break down of this debt, to get disrespected, humiliated and belittled because I wasnt able to pay a debt, but I had no documentations approve of ownership except something that looks like a coupon now I see what she meant when she said just take the offer. because of my hard time, XXXX facing the same situation with XXXXXXXX XXXX and the XXXX Credit bureaus. Because of these debt XXXX and me reaching out to them to help me, instead I get mislead XXXX XXXX  etc. I have exhausted on my phones trying to fight these credit bills had to help my credit and all I just did was made my credit worse because XXXX update the date and the status but dont correct the inaccuracies and this is not fair XXXX cant get a place to put over my family head, I see XXXX kind of XXXX XXXX  Twice a XXXX  this has affected my XXXX XXXX XXXX and spiritually I feel like XXXX trapped in a cage of that that I cant escape and XXXX trying to, but I feel like the consumer law is not protecting me. XXXX not denying or admitting to the debt was trying to be a better understanding and due to this. This has became a Trigger. But I have to fight because i have my kids to try to provide for thats why XXXX fighting to get a fair chance on having my account view. This is going to continue to have me living in unsafe environments, trapped in a mental XXXX, keep me from trying to repair my credit while repairing my life, People look down on you because you have items on your report you wasnt aware isnt fair. The debt collector has taken controls over my life, I spend my weeks speaking to my XXXX and trying to find ways to repair his credit. XXXX exhausted tired
Consumer complaint received 2024-08-06
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: SANTANDER HOLDINGS USA, INC. (MI)

XXXX Santander consumer USA XXXX XXXX 2024. XXXXXXXX XXXX XXXX XXXX XXXX2024
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX XXXX2024 XXXX  Santander consumer USA XXXX XXXX2024