davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Failed to provide evidence and verifiable information This is concerning Account Number : XXXX I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and have never received alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Account Number : XXXX, Name, XXXX, XXXX must be deleted /IMMEDIATELY REMOVED : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor or XXXX XXXX XXXX XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the XXXX, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OK)

Zion Debt Holdings purchased a debt from XXXX XXXX XXXX This debt was falsely put into my name. I owned a home in XXXX OH, from XXXX to XXXX. We moved ( on a military move ) from the home in XXXX in XXXX and rented it out to a XXXX XXXX. I contacted XXXX in the summer of XXXX to have the security account transferred to XXXX XXXX. XXXX acknowledged the change and sent me a confirmation e-mail of the change. It tuns out XXXX XXXX had an outstanding balance with XXXX. I'm assuming XXXX XXXX let the balance go unpaid and the account went in default. XXXX purchased the debt in XXXX in XXXX and reported it on my credit report. I disputed the delinquency via XXXX. I also provided email correspondence between XXXX, and I that confirmed the account was switched to the renter -- XXXX XXXX. Zion Debt Holdings ignored the facts and verified the debt as accurate. They contacted me and told me that if I paid the debt in full that they would remove collection from my credit report. XXXX XXXX should complete further research to see if the debts they are purchasing, are in fact proper debts prior to reporting collections on credit reports.
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

XXXX XXXX Agency Wrote Me A Check on XXXX, 2022, For {$2700.00} To Payoff My Best Buy Credit Card. I Mailed The Check In To Best Buy/Citi To Payoff The Balance. XXXX XXXX Emailed Me A Copy Of The Cleared Check And I Know The Check Was Received By Best Buy Because I Sent It Through Certified Mail. Best Buy Keeps Charging Me Because They Keep Saying It Was Never Received. I have faxed proof and mailed the proof to Best Buy about 6 times total, but they keep telling me nothing was received. Everytime I call customer service, they tell me to fax them the proof again. This has been going on for over a year, enough is enough. I am still current on my payments, the balance is down to {$2200.00} now. I want my best buy card cleared. I want the money that they owe me now.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (MO)

After seeing the bank statement, I now understand why there is a negative balance. I was a victim of esim, and cell phone port out hacking.. I had charges from that company on all my credit cards and debit cards. Because I was under the impression that my account at Arvest was closed, and did not have access to it, i didn't know they charged that account as well. as you can see there was a positive balance of {$49.00} until those fraudulent charges from that scamming company took place. If again, Arvest had closed the account when request, or even if I had access to the account I would have seen these fraudulent charges and disputed them like I did with all of my other credit cards and bank account that I HAVE. All of my other credit cards and accounts were able substantiate this company as fraud and successfully disputed the fraudulent charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I never received any of these notifications, however, if i was able to access my account through the app on my XXXX I would have seen these fraudulent charges, and responded accordingly. These charges need to be addressed as fraud and handled accordingly. Again, I will forward this to the attorney generals office as well. It is against the law to charge some one over draft fees for fraudulent charges, it is also against the law to report to the credit charges and negative activity, due to fraudulent charges. And is this instance that is exactly what Arvest is doing. I have letters from my other financial institutions that had charges from XXXX XXXXXXXX XXXX is a scam company and the charges were fraudulent. Available upon request.
Consumer complaint received 2017-02-15
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Plastyc, Inc. (IA)

Someone got ahold of my card numbers in XX/XX/XXXX and signedme up for a dating service. When I found out about these unauthorized charge I immediately contacted the card company and was told that " by law '' they had to cancel my card issue me anew card and dispute the charges with the dating site. So far, so good.Ireceived my new card in time to pay my rent, on the XX/XX/XXXX.. 
I have been using it for regular purposes and for NOTHING I have not used it before. This last monday I went to pay my vets bill and was told my card did n't work. I called the card company and was told that it was on hold do to possible fraud. The representative and I determined that the few charges I had made were legitimate. However they wanted proof of who I am. 
They asked me to FAX them these items ... Drivers license, social security card and a utility bill. I IMMEDIATELY informed them that I paid my utilities with my rent and a " separate '' utility bill was IMPOSSIBLE. They suggested ( and approved ) that the first page of my lease agreement would suffice. These items WERE faxed ( an received ) yesterday. 
Let me interject at this point that the original card numberwas ... XXXX this was the one they closed the NEW card number is ... XXXX. 
I DO NOT have a fax machine and have had to use the one in the managers office and work around her schedule to use it. Here are the fax numbers that upside provided me ... XXXX or XXXX. The first one is the one used and was given confirmation that the fax HAD been received. 
I called " upside '' this morning and was told that because I had NOT submitted a utility bill the account would remain on hold, I reminded them that I was informed that the lease agreement would be okay. They " suggested '' that I have the leasing company " break down '' the lease agreement to show utilities paid. This is impossible, my leasing company is " The City XXXX, Iowa '' and I am on " low income housing '' subsidized by HUD. 
Here comes the BIG lie ... .after having said that the lease agreement was unacceptable, they then deny even receiving the fax AT ALL. 
Add to this mess UPSIDE is going out of business and I am under time constraints to move my funds to another prepaid card company BEFORE, Upside is " no More ''.
Consumer complaint received 2023-11-14
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. (NE)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MA)

I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. 

When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. 

What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
Consumer complaint received 2023-11-14
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX continues to access my credit report, via an inquiry. They have no business doing so. I have no account in recovery, or late. The company can not explain why they are accessing my highly personal data every XXXX months.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Bank : Chase Date of inquiry : XX/XX/2023 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX I disputed a {$380.00} charge with Chase Bank on XX/XX/2023 ( original transaction date was XX/XX/2023 ). They didn't ask me for any documentation to support my claim. Then, on XX/XX/2023, I got a notice with " updated information about my claim. '' It said the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$380.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ).

Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. 
Sincerely, Customer Claims Department The letter did not tell me how to appeal the claim. The letter didn't even say that I could possibly appeal the claim. I believe that by law they are supposed to tell me how to appeal this decision. I called numerous times and reps told me there is no way to appeal. Finally I got someone on the phone who told me I could go into the " track a claim '' section on the chase website, and upload supporting documents in the " closed claim '' section. But the claim is still saying it's closed. Chase should have been very transparent in 1. the fact that they wanted me to send documents to show evidence of my initial claim. 2. they should have clearly told me that there is an appeal process and how to appeal. 3. my case should now be " open '' if I'm appealing it ( which I'm still not sure I am because it shows on the website as closed. ). I don't feel like this is a fair process at all. I want my money refunded to my account from my claim that I disputed.
Consumer complaint received 2024-01-25
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: DISCOVER BANK (SC)

I placed an order on XXXX, XXXX XXXX  for XXXX mirrors. My total was {$690.00}. I placed the order and received an email stating it would be delivered between XX/XX/XXXX - XX/XX/XXXX. I contacted the company on XX/XX/XXXX stating my packages had not arrived and I did not receive a tracking/shipping number. The representative said, It'll get there when it gets there. I waited XXXX more week. Still no package. I emailed again. I said would like a shipping number for my packages. No response. I waited XXXX more week and emailed again to Cancel my order. The rep said, OK your order is canceled. I waited a week no refund has been posted. I emailed they said, Your packages have been delivered. I canceled this order. I look outside there are no packages from XXXX XXXX XXXX. I live on a dead end with XXXX Neighbors. I text each XXXX and ask if a package has been delivered to them with my name on it. They all respond no packages at their places. It is now XX/XX/XXXX no refund and no packages. I have filed a XXXX  complaint, messaged them on social media, emailed them, called them, and commented on their social media posts with no response. 


After no response from the Company I purchased from, I submitted a dispute with DISCOVER CREDIT CARD. They will not help either. I have called and submitted piles of information and evidence to support my case. They did not side with me even though thousands of others get scammed by this company. I would like a response soon.
Consumer complaint received 2023-11-14
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. (MD)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NC)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items.
Consumer complaint received 2023-11-14
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime
s which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
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. (IL)

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.