davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX & XX/XX/XXXX THE AMOUNT OF {$940.00} DOCUMENTS WERE SENT THREATENING TO HAVE THEIR ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VT)

I am engaged within the PSLF program. My loans are currently being managed by MOHELA. MOHELA has incorrectly categorized one payment period ( XX/XX/XXXX ) as " ineligible, '' despite categorizing XX/XX/XXXX an XX/XX/XXXX as eligible. All three periods are covered under the same forgiveness period and are eligible for PSLF qualification. On two occasions junior level MOHELA customer service representatives have admitted that the XX/XX/XXXX period should be categorized as " eligible. '' Upon my fourth attempt to resolve this issue, I was transferred to " advanced '' customer service. However, after waiting on hold for more than one hour, MOHELA 's system hung up on me. My situation remains unresolved. I am set to make my 120th PSLF payment in XXXX this year. I consider MOHELA 's intransigence to be fraudulent and criminal.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX : sent student loan account to debt collection agency ; account was sold- balance considerably lower than original amount The original Student Loan Account was " in lieu '' of action/charges against college for falsifying grades for final class grade reports. [ XXXX XXXX XXXX XXXX, New York STATE ] ( XXXX, New York XXXX )
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MS)

I am bank with chime I have submitted a dispute claim XXXX support correct documentation they asked me to XX/XX/2022 the next day it was denied I also did a rebuttal on XX/XX/2022 with more supporting evidence and on XX/XX/2022 it was denied again then I did another rebuttal XX/XX/2022 with even more supporting evidence that the transactions where unauthorized and told I receive email its denied
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on my credit report.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called customer service on XX/XX/2020 to request Covid 19 assistant because I had lost hours at work due to the pandemic and was concerned I would not be able to maintain my account. The rep advised assistance would be granted XXXX through XX/XX/2020 and I did not need to make any payments at that time. The company them reported me late for all 3 months. I called several times spoke with multiple reps and supervisors and they refused to assist me with the removal. I reluctantly tried again in XXXX a supervisor finally requested a review of the call and reversed XXXX and XXXX negative marks but not XXXX stating I had a balance from XXXX. I advised I didnt get an E-statement for XXXX and when I spoke with the rep in XXXX she advised no payment was required. After escalating this issue beyond supervised to collections four times they advised to pursue filing a claim they refused to remove the negative mark for XX/XX/2020. I am extremely upset and feel this is unethical to misrepresent my payment history for you a internal error.
Consumer complaint received 2023-09-27
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)

I am writing to re-dispute several accounts on my credit report that were recently verified without providing proper verification documentation. These accounts appear on my credit report but lack the necessary substantiation to confirm their accuracy. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of these accounts due to the lack of proper verification documentation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive this documentation to ensure the accuracy of my credit report. 

I kindly request that you provide the necessary verification documentation for these accounts, including details about the source of the information, the account history, and any supporting documentation that establishes their legitimacy.

I expect to receive this documentation within the legally mandated 30-day period, as outlined in FCRA Section 611 ( a ) ( 6 ) ( B ) ( ii ). Failure to provide this documentation will result in my continued dispute of the accuracy of these accounts, and I reserve the right to take further legal action to protect my rights under the FCRA. 

If you require any additional information or documentation from me to assist in this verification process, Thank you for your prompt attention to this matter. I trust that you will uphold the principles of accuracy, fairness, and consumer protection that underpin our credit reporting system.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I opened a dispute for several debit card transactions with Wells Fargo from the same merchant under : Claim XXXX Reference # XXXX The reason for the dispute was paid by other means, as the merchant also charged my Wells Fargo card even though I successfully paid with a debit card from another bank. I was informed by the representative on the phone that my account would be credited within 2-10 business days by the investigations team. 

Im putting in this report to document that I have sent all correspondence between myself and the merchant regarding this issue, along with screenshots of the matching transaction amounts/dates from my other bank account, to the claims department via email, and to ensure these amounts are adjusted in the form of a credit to my account within the required time frame of 10 business days.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
Consumer complaint received 2020-08-01
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. (NE)

The credit bureau is reporting a closed account from XXXX XXXX XXXX XXXX on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.
Consumer complaint received 2023-10-01
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. (MD)

In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

I closes my account on XX/XX/2023. I provided my updated current address and as of today XX/XX/2023 I still have not received it. I've sent multiple emails and maid multiple phone calls and recorded them. I have sent a copy of my driver 's license with my new current address and chime is refusing to mail my check unless I provide them with more and more documentation every time. It's a never ending run around so they can steal my money.
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MECHANICS BANK (TX)

This is a complaint directed at my account rep for Mechanics bank ( CRB Auto ). The XXXX XXXX is abusive rude hateful and direspectful. I have repeatedly asked him to not contact me due to this matter and he still contacts me. I have reported these issues to the company multiple time and nothing has been done about it.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

Raduis Global Solutions at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX says that I owe {$660.00}. When I called them at ( XXXX ) XXXX it was very sketchy. The phone didnt ring. Someone connected right away and told me I owed money. They didnt ask me for account number or phone number. They just started talking about what I owed. He repeated my last digits of my social and said that he was going to send me over to the fraud department. He never put me on hold he said nvm he cant no ones available he asked me if I wanted to call back. I said yes and hung up. This was on XX/XX/2022 at XXXX. 

I then called XXXX XXXX XXXX fraud department who I asked to look up the account number on the collections notice I received from Radius Global Solutions and they said the account no. didnt come up as any accounts. They asked me my name and said my name didnt belong to any accounts. They even looked up my email address and it didnt belong to any accounts. 

The fraud department at XXXX XXXX XXXX was concerned that this was fraud so they sent me to the mobility department at XXXX XXXX XXXX who did not understand anything I was saying but saw that I had an account in the system under my current phone number. Which Ive never had XXXX XXXX XXXX I just got this phone number a few weeks ago. Mobility transferred me to the XXXX XXXX XXXX XXXX department who said I also had a prepaid account under this phone number and but they said the account was inactive and they were not able to tell me anything else. 

Please help me. I dont want my social security number taken. Im struggling in this world as it is. I dont want to have the little bit that I have taken away from me. Please look into this. Idk whats going on. Ive never had XXXX XXXX XXXX a day in my life and I always pay my bills, I dont owe anything! And I work really hard to keep my XXXX XXXX good. Please help. 

I want this fake account close. The prepaid number I called for XXXX XXXX XXXX was ( XXXX ) XXXX. XXXX & XXXX customer service number ( XXXX ) XXXX. And XXXX XXXX XXXX fraud department ( XXXX ) XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2023 transunion is violating my rights by not honoring my letters that I authorized to be sent in by a XXXX  party.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Foris DAX, Inc. (NV)

Crypto.com customer support has failed to submit a fraud claim on a prepaid debit card issued by them and is treating me like suspect instead of a customer based on false assumptions. The company staff has also froze my funds the the card. they are failing to abide by XXXX card regulation and consumer protection laws. The are withholding money from me and are making excuses not to begin processing a claim on any charges regardless of reason.
Consumer complaint received 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

CAPITAL ONE NA XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR ONE APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for one application.