davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have never applied for credit with XXXX XXXX I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Consumer complaint received 2023-03-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXI XX/XX/XXXX
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CT)

PayPal stole fees from me the seller and ruled for the buyer under the guise of 'Buyer and Seller protections ', yet when offered a reason how this protected me they stated on a call to me that 'I protected myself ', and I must ask what exactly I am paying for seller protection for if I had to protect myself and why this fee is legal???
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX Inquiry : XX/XX/2022
Consumer complaint received 2024-03-27
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: JPMORGAN CHASE & CO. (OH)

A credit card was opened in my name without my knowledge. XXXX said they canceled it, chase bank said they canceled it and I got letters confirming all of this. It is still showing as an opened card on my account and I can not reach a human even when using there automated system for almost a half hour.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MO)

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.

Best, Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (CT)

on XXXX, i used my Direct Express Debit card ( US TREASURY SSA PMTS ) to withdraw {$400.00} which incurred a {$12.00} international transfer fee, as well as a {$3.00} ATM fee. the first attempt errored, and no cash was dispensed. we talked to the bank, who admitted the machine had a problem, and just to try it again. we did, and successfully got the money. where the problem was, came from the fact that the first attempt did a pre-authorization, costing us a double debit against the card. 

we contacted the bank again, and got the printout proving that their system at XXXX " XXXX '' had indeed credited back the account within 2 hours of the error. ( ATTACHED ) We called into the call center for resolution as this still had n't credited back by the XX/XX/XXXX ( ruined our XXXX, as the money was for the gifts ) they said it usually took 30-45 days. but they would investigate. 

on XXXX XXXX we received a " credit back '' and we therefore felt this had resolved. 

on XXXX XXXX, we suddenly lost {$400.00}, with fees of {$3.00}, and {$12.00} respectively. When i called customer service, to find out what happened, i was informed this was done by the level 2 resolution center. and after explaining to the person that they needed to stay attached to the call until the system properly transferred, or the system would drop me, the agent ( XXXX ) became argumentative, and hung up ( this happens a lot, look them up in the BBB in Texas, they have an F rating ) i then called back in and finally made it to level 2, where i learned the payment on XXXX XXXX was a " temporary " credit, and it had been pulled back. they said they sent a letter, but no documentation ever showed either on the filing XX/XX/XXXX or the " credit '' issued XXXX XXXX, XXXX they still have not resolved the original error from XXXX XXXX. 

when i explained all this to the level 2, he became argumentative, so i asked for a supervisor, who became threatening. they would do nothing, so i asked for a phone number for corporate, which was refused, they only offered a fax number, and when i asked for the name to adress it to, such as their CEO, or Lawyer, i was told they ca n't give that information out due to requirements of the SSA, all i want is my money back that is due, but it seems clear they intend not to deal with it. 

today is the XXXX of XXXX, almost 3 months since the error documented in their own records.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I acquired my credit report and asked the Equifax to dispute a late payment on my consumer report as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

And one more thing, they didnt even record the current status of the disputed information. 

Equifax is holding me back from raising my credit score to acquire new credit and purchase a house. This is very frustrating because I am trying to build positive credit and buy a house for my family but Equifax is not doing its job according to the law
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX, XXXX is reporting a debt on my credit file that has been paid years ago. I am not sure why XXXX is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
Consumer complaint received 2023-01-26
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. (MD)

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

The amount of {$550.00} was refunded to me on XX/XX/2022 in the form of a credit from Chime, but there was money sent from my credit builder account and my savings account into my primary checking account to be sent to an unauthorized person. I was scammed and robbed while I was out of town in XXXX XXXX, Nevada from XX/XX/2022 to XX/XX/2022. I was contacted by the number ( XXXX ) XXXX on XX/XX/2022, my mothers birthday, by an alleged Chime customer service representative with all my account information, as well as, all of my recent transactions. The alleged representative was inquiring if I had used my card in XXXX, Florida, and was informing me of fraud while stating all my transactions back to me. I reached out to Chime, and they told me they would not be able to give me my money back that was transferred to my checking account from my credit builder and saving account. The amount that was transferred from my credit builder was {$160.00}. The amount that was transferred from my savings account in XXXX separate transactions of {$260.00} and {$27.00} in the full amount of {$280.00}. The total amount for all unauthorized transactions from my account was {$450.00}. I reached out to Chime as soon as the incident occurred, and I reached out to Consumer Financial Protection Bureau to report the issue.
Consumer complaint received 2021-05-23
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (AL)

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - TD BANK USAXXXXTARGET CREDXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (UT)

U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them!
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (KY)

I got a XXXX XXXX XXXX in XXXX in XXXX. When I graduated, I didn't know my options were limited to making about $ XXXX to pay off my debt, not allowing me to pay rent or other bills. So, I went to XXXX   school and got a XXXX XXXX in XXXX. I went on to become an XXXX XXXX, not realizing that the pay was so poor. Not only were the chances of getting a full-time job teaching college in my field slim, when I finally did get one it paid only $ XXXX. 

Fast forward to XXXX - I got laid off from that job and ended up getting a job in XXXX  XXXX that paid $ XXXX. I eventually switched careers to XXXX in various fields. I decided to go to XXXX school for XXXX  XXXX   to get my credentials in order to make more money. Fast forward to XXXX - I make $ XXXX a year, but now I'm about {$250000.00} in debt, a debt I never imagine ever being out from under. Lesson learned? I was daft to never realize ( 3 TIMES ) that actual college credentials would never afford me a job that would get me a high enough wage to pay off my debt and make more money. Now, I'm sacked with debt and wish I'd never gone to college. Now, I XXXX " XXXX over student debt '' and think about ruining my credit and/or having my wages garnished because that seems like a better option than continuing to pay this possibly for the rest of my life. What happens when I can't afford to pay it? There goes my chances of getting forgiveness - I take out a forbearance only to increase the debt and have that 25 year clock start ticking all over again once I do start paying it. 25 years is a long time. I'll be paying this well into retirement, possibly the rest of my life. I think of giving up. It's just not worth it anymore. Slave to debt.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

In XXXX I filed for Bankruptcy. In XXXX and XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, XXXX and Experian. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  VA  XXXX  #  XXXX  dob  XX/XX/XXXX     XXXX ,  XXXX  and Experian will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to have them removed. This marks the seventh time I am formally requesting the removal of these items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused undue stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit files. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my 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
Consumer complaint received 2023-02-02
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : State I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been trying since XXXX to get XXXX hard inquiries removed from my credit report from Capital One Bank. I did not authorize my credit to be ran for any account. I contacted Capital One on XX/XX/XXXX and spoke with the fraud department. I was told that yes a business account had been opened up in my name but has since been moved into the correct persons name. I asked how this was possible. I was told it looks like a mistake. I let her know that it is showing XXXX hard inquires on my credit reports and needs to be removed. She assured me this would be taken care of and she would mail me out the updated information for my records. Now fast-forward to today XXXX/XXXX/17. I still have not received anything from Capital One stating anything. I 've tried over and over again to call and get some help. All i 'm being told is they do not show an account in my name. Last week while still working on to repair my credit I received a report from XXXX and it 's XXXX addresses listed that are not mine. They show addresses out of XXXX but I live in XXXX I 've never lived in XXXX. I called XXXX and spoke with a rep who worked with me on finding out what was attached to that address. Come to find out the Capital One inquiries where from that address. The rep then issued a fraud alert on all XXXX credit bureaus. Because of the fraudulent activity I was able to remove the inquires from XXXX but I 'm not able to with XXXX and XXXX because those addresses never showed up on those reports. I need this removed. It is negatively affecting my credit score. I have never had an account with Capital One and after numerous calls weekly no one has been able to help get these removed.