davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-04-04
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. (KY)

disputed this account XXXX XXXX XXXX because of idenity theft due do the XXXX XXXX breach i supppled all documents required by law and this company failed to acknowldge under the fair credit reporting act sect 605b they are required by law to provide me the verifaction that was used to verifiy or delete this account. 

it is against FCRA to report a balance on a account that has been charged off
Consumer complaint received 2023-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

received letter saying I owed {$7700.00}. from CBE Group. When I called them they said it was XXXX XXXX. I called XXXX and they could not locate the account number on the letter from the collection agency. After speaking with them on chat I have downloaded a fraud claim form off their website.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

OnXXXX XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (NC)

I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, GOLDMAN SACHS BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice on XX/XX/23 and I am still being contacted. 

According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I never gave intended permission to GOLDMAN SACHS BANK or ANY third-party affiliate to contact me.

USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 


A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action. 

GOLDMAN SACHS BANK has still not provided me with ALL of the information listed below. 
The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and GOLDMAN SACHS BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink. 
A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States XXXX, title XXXX XXXX XXXX et. seq. and XXXX XXXX. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.
Consumer complaint received 2024-04-04
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. (MS)

These XXXX  inquiries are not authorized : 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 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 These XXXX inquiries are not authorized 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 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 These TransUnion inquiries are not authorized These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX  with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/28, we made a payment to XXXX XXXX using our bank account information over the phone. We do not know if an error is made on XXXX, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Chase Cardmember Services Attn : Billing Inquiries XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Chase Sapphire Card Ending in No. XXXX Seemingly out-of-the-blue Chase assessed a rebill of {$2100.00} to my account on XX/XX/XXXX over 8 months after they credited me after research of non-receipt of an item. The charge is in error because the item was never delivered from merchant ,1 XXXX XXXX 

Please note the following : I ordered the item on in the amount of {$2100.00} back in XXXX of XXXX The merchant promised to deliver the items to me on immediately stating item was in stock. ( I made this order despite in earlier different order for {$2300.00} for another item that this same merchant actually cancelled and provided a refund on XX/XX/XXXXXXXX ) However, after going back and forth all the way thru XX/XX/XXXX with the merchant, the merchant then admitted that the item actually had not been in stock, but now was and as consolation they would give me {$70.00} back for the trouble and item was being shipped in XXXX. 

Yet still, not getting any shipping confirmation from the merchant, and after waiting additional two weeks in XXXX, I called and spoke with the merchants customer service on XX/XX/XXXXXXXX  and again was advised that there would be a delay and they had no ETA for the order. 

It was then I sent the merchant formal request to cancel and refund me back to my credit card on XX/XX/XXXXXXXX XXXX Then on that date, I also contacted Chase to make aware inclusive of backup documentation and my card was credited on that date. 

The merchant never responded until XX/XX/XXXX almost a month later, telling me they are ready to ship to which I advised of the month prior cancellation and to not bother. 

Now, in XX/XX/XXXX this refill suddenly pops-up and I was back and forth with Chase CS on the phone finally someone sees error and advises my account will be corrected in 24 hours. Its now 3 days later and not only hasnt been corrected but i receive a backdated letter from Chase referencing wrong transaction. I speak with a Supervisor XXXX who advised I may have to wait longer and no acknowledgement of contradictory notices from Chase.
Consumer complaint received 2020-07-30
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had until XXXX XXXX  on XX/XX/2023, I paid them and went to pick up my car I did not know they destroyed my license plate I didn't know it was considered private property. So they told me at the auction I could go so secretary of state and pay XXXX dollars. I went to secretary of state and they said my title was no good. I call credit acceptance and ask them what to do, they say well it should be in the mail in about XXXX weeks. I asked them why I wasn't told that before I made my payment and they said that's their policy. I also asked how could they sale my title before the date they gave me to pay it? That's their policy. Their policy can have me possibly losing my job. I spent all my money getting the vehicle I don't have money to take a XXXX  to work.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I opened a new account with BoA and upon receipt of the new card I also received a fraud letter. Upon getting that letter I was told I would get a letter on how how to validate. A few days later I then get a bill for the annual fee on an account I can not use so I called to figure that out, again told they cant do anything as I cant validate my account. Talked to a fifth person and told I can verify virtually but the system to set that up doesnt allow such without an online banking account, which I can not create without verification so was given the phone number to a branch in XXXX XXXX KS which does not answer the phone at XXXX XXXX CT after 40 mins of repeated cycling back and forth in the automated system to no avail. Called back again, got the option to have them call back when we person was available which they they then hungup before connected to an agent so tried calling back again and got a person who at this point I was clearly irritated due to the total waste of my time with hours of invested already and just want to close this account, which I was told they cant because I cant validate. This is circle that will not or can not get resolved by the BoA and they seem unwilling to resolve knowing I am hundreds of miles from a branch and they offer no other resolve.
Consumer complaint received 2023-06-24
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. (NV)

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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-10-16
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. (GA)

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (IN)

I submitted disputes expressing these companies were in violation of consumer law. I have been a victim of identity theft and these companies still proceeded to report these negative collection accounts i don't have any knowledge of. Also these companies shared my personal information with dept collectors without my knowledge or concent. And also refused to supply me with their detailed process that deemed these accounts to be correct and accurate thereafter.
Consumer complaint received 2023-09-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

NetSpend had notified me that there is an issue concerning PayPal Prepaid Mastercard. Earlier this year, I had afforded a gift card for {$100.00} from PayPal. There were instances when PayPal Prepaid Mastercard requested verification to confirm my identity. I requested that I pursue the shorter process that does not require verification. This took place ; there were also instances when PayPal Prepaid Mastercard requested verification that contained information that was not sought to be shared. Third-parties and I complained about PayPal 's verification methods. Currently, there is an {$100.00} prepaid card that had not been activated. I am seeking to receive this {$100.00} back as a refund check. I am also respectfully complaining about PayPal Prepaid Mastercard not activating cards anymore due to not respecting personal wishes already shared.