davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX  is a Debt collector having a place of business at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. They are collecting a debt real or alleged found on my XXXX and Trans Union credit, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the XXXX XXXX XXXXXXXX XXXX to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX  it is my/our right per the FCRA and FDCPA. On the XXXX of XX/XX/2023, the XXXX dispute was updated by the XXXX with a change a increase of XXXX XXXX to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the XXXX XXXX XXXX 
Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Citibank has failed to provide a credit for a dispute in my favor. 

Credit card balance has been paid in full every month. 

BDA = Billing Dispute Agent XX/XX/XXXX Billing dispute initiated with Citibank regarding charge for {$2000.00}. Charge was on XX/XX/XXXX. 

XX/XX/XXXX {$2000.00} conditional credit issued ( according to monthly statement ). 

XX/XX/XXXX {$2000.00} conditional credit reversed XX/XX/XXXX {$500.00} conditional credit issued. 

XX/XX/XXXX I call customer service and asked to be transferred to the billing disputes department about an existing dispute. Automatic message answers and says the dispute was judged in my favor. Says {$2000.00} credited to my account. However, only {$500.00} has been credited so far. 

XX/XX/XXXX Call billing disputes regarding {$1500.00} credit not yet posted. XXXX from billing dispute says she will forward to supervisor and contact me same business day. No response from XXXX. 

XX/XX/XXXX No contact. 

XX/XX/XXXX XXXX states via voicemail that she has not heard anything back from supervisor but the information has been passed to them. 

XX/XX/XXXX I call to get an update. BDA says supervisor started looking into the case XX/XX/XXXX. 

XX/XX/XXXX BDA says credit will be issued in 2-3 business days. 

XX/XX/XXXX No credit issued. BDA says they will forward to supervisor. 

XX/XX/XXXX BDA says they will notify supervisor and to wait " a few days '' to receive a response via secure message. 

XX/XX/XXXX No response received. XXXX initially spoke with XXXX. Asked to be transferred to supervisor. Supervisor XXXX takes the call. XXXX says he will email a contact rather than place a general request for the issue. XXXX says he can not approve {$1500.00} because it's " a large dollar amount. '' XXXX 's contact is to e-mail me regarding the credit " in a few days. ''
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-28
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-10
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. (NY)

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (FL)

Screening disputed : XXXX XXXX Reason : Wrong Person Case number : XXXX Charge XXXX XXXX Location : XXXX, FL Explanation : This is not mine. My name is XXXX XXXX XXXX XXXX I am not affiliated with this person. I dont know who this is. Please XXXX there needs to be some type of fairness. XXXX XXXX XXXX is not me I have never dont XXXXXXXX XXXX XXXX XXXX XXXX XXXX  None of these county searches are me. 

I have attached My Id to show my full name. This has damaged my way of living. 

Checkr and XXXX should be very much responsible for this inaccuracy. 
This is how I feed my kids!!

15 U.S. Code 1640 Civil liability states damages up to {$1000.00} per violation for damages. If I can't get this resolved. I will like to Extend my rights. This is discrimination. I am not this person. I have attached the results below., if a person or party is found liable for a non-criminal act that caused harm to the plaintiff, they are legally required to pay the monetary funds.
Consumer complaint received 2023-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXXXXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX this account was fraudulently opened in my name please delete it from my credit report
Consumer complaint received 2023-04-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I received an email notification that my SSN was used to open a bank account at Capital One. I immediately contacted Capital One, after I confirmed with XXXX that my credit was indeed locked and inquiries are frozen and can not be obtain, and learned that indeed someone at capital One opened an account under my name and SSN. 

When inquired about what type of account, how and what information was used to verify and authenticate the person that performed such task, I was that information can not be provided and I should contact the credit bureaus. 

I am deeply concerned about capital ones efforts and processes that led to such account opening under my information.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

On XX/XX/24 I made a final payment to close out my private XXXX loan in the amount of {$3000.00} to Firstmark Services. Per the loan servicer 's site, I was required to pay more than the amount left on my loan to avoid interest and fees. I ensured that I had enough to pay the amount plus XXXX cents over. 

After 2 months I had not received a refund for the XXXX cent overpayment. I called Firstmark on XX/XX/24 to check on the status of the refund and was told that they would not repay amounts less than {$1.00}. When I asked that they process the refund, the Servicer stated they would put in a request and to check back in a week. 

On XX/XX/24 I contacted Firstmark Services again to get an update on the status of the refund. I was told that the refund has been denied by the Loan Administrator, National Student Loans, because it was less than {$1.00}. The customer service agent asked again and I was told they would not make the refund payment and there was not further information they could provide. 

While this is a small amount, it is still money owed to me for the overpayment of the loan. The loan servicer 's ( Firstmark Services ) did not state refunds would not be made if they were less than {$1.00}, only that I was required to make an overpayment of the final amount of avoid interest and fees.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Newport Intermediate Inc. ()

I did a transfer XXXX on XXXX XXXX from nothlane work salary card to my account in XXXX XXXX XXXX however until today there is no money on my XXXX account. 
And also on XXXX I did a transaction of XXXX on the same account however I put credit card number instead of account number. And the same happened I transferred XXXX from another pay Salary account. I was told by my Finance officer that the money was to be reimbursed after he placed in a complain but until today still no money has been returned on both accounts. Please what should I do for these both matters
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (AZ)

This is inaccurate information on my credit report. This is being reported to my XXXX and no other credit agency. Per 15 U.S.C. 1681 Accuracy and fairness of credit reporting. As well as 15 U.S.C. 1681a 603 states exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give consent to American first finance to report this information on my credit report. So I need this to be removed as it is not accurate according to my other 2 credit agencies nor did I give this company permission to report on my credit report. This has negatively impacted my life as it is a derogatory mark on my credit report.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Dave Operating, LLC (PA)

I've been stuck dealing with them for a long time. Most recently I was offered an advance of XXXX on XX/XX/XXXX. Consistently I've been getting paid of XXXX  not XXXX. They tried to withdraw my advance before my check cleared. I then tried to get an advance ... of my own money. On XX/XX/24 it said I had an advance limit of XXXX which was troublesome because I have to pay rent. I talked to a person at XXXX and they said my advance would update today. The limit has changed to XXXX. I'm completely out XXXX and it's not okay. I have XXXX and I'm stuck in a cycle of paying them back and then having to barrow again
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX  {$490.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-26
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: SERVICEMAC, LLC (NJ)

Mortgage is not escrowed. Insurance company for a period of a month and few days, XX/XX/2023, like most insurance companies, of late, out of nowhere dropped insurance on property without due cause. In that time period a new insurance company and policy had to be secured and was secured. The {$670.00} mortgage payment for XXXX, XXXX and XXXX has been paid. This matter is being disputed with all credit bureaus but credit bureaus are only contacting customer service and the matter goes much deeper than getting a customer service rep to pull up the acct on screen and saying yes the mortgage is owed. A deeper dive into the history of this problem needs to be done. Contact ServiceMac rep XXXX XXXX for further information. The run of the XXXX XXXX rep at the XXXX number can not provide accurate information regarding this issue. A dispute will continue to be filed until this matter is favorably resolved.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Deposited a check for XXXX and atm screen said XXXX I tried to cancel and it wouldn't. Credited my account XXXX That was on XX/XX/23 and they will only respond with we have 10 business days to investigate this. It seems like they are not doing anything but sit on my money.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (ID)

I have sent payment from my XXXX account and was verified that the check was sent a number a weeks before Avant credited my account payments causing fees and a credit negative report. This has happened every time I don't use thier web site payment. Now I did a balance transfer to XXXX, and they received the funds weeks ago and haven't credited the payment.
Consumer complaint received 2023-09-05
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)

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00}
Consumer complaint received 2023-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (CA)

I never signed up for automatic charges from XXXX, but instead every two weeks and charge {$23.00} which gets placed inside this account that I can not withdraw any funds from. I reached out to customer care support, and they refused to contact me for any help.