davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

Paypal held my money for the 180 days and I still can not withdraw the funds. No one can tell me why or answer any questions on the time frame.. I received no email as to why XXXX XXXX XXXX Last 4 of my ssn is XXXX
Consumer complaint received 2023-10-05
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 crimes 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 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (UT)

Hello and thank you for reading my complaint. 
I was sent a pre-approved credit card offer from XXXX, XXXX XXXX XXXX, a XXXX XXXX company. I NEVER replied in ANY form. Then, I started receiving calls from collections from the company. I never applied for the card nor activated it. I certainly never used it. It is destroying my credit and they will not return my calls.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. 
Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. 
Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. 
The Company close the account they stated they have noted that the account was open without my consent. 
So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX  XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! 


This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. 
How satisfied are you overall with Discover? 

Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. 

Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. 

Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. 
Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. 
View Statement
Consumer complaint received 2022-10-13
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. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PENTAGON FEDERAL CREDIT UNION (CA)

In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy. 

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to save my house. 
I failed behinds because my wife had a XXXX XXXX, I needed to look after her 24/7, and take care of my XXXX little kids. 
On top of it, the pandemic started, and my business shut down, and I have no income. 
Extenuating circumstances I wasnt able to work, but now I start working again, and I could afford to make my payments and take care of my family. 
Please help me, I dont want to loose my house and be HOMELESS. 
I have first and a second Morgage The second Morgege is with XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MA)

Fraudulent and Deceptive promotion of XXXX ' interest charged massive fees. 

Barclays AAdvantage Aviator - ( account ending XXXX ) I used courtesy checks with a promotional offer to have no fees or interest until XX/XX/XXXX. 

I was charged MASSIVE FEES- there was a 5 % processing fee AND they are charging interest at a variable rate that the first month was 27.99 %. 
an absolute fraud, deceptive and criminal. 

THE EXPLANATION I HAVE RECEIVED FROM THE COMPANY IS : " Upon reviewing your account. The check that you used had to be used by XX/XX/XXXX. Unfortunately, the offer had expired. '' HOW CAN THEY PROCESS A PROMOTIONAL OFFER THAT IS EXPIRED AND CHARGE FEES. IT OBVIOUSLY WAS NOT EXPIRED. 
IT IS WILDLY DECEPTIVE TO HAVE THE PROMOTIONAL CHECKS WORK AFTER THE PROMOTION IS EXPIRED. 
I NEVER WOULD HAVE USED THE CHECKS IF I KNEW THEY WERE EXPIRED. 
THEY NEVER SHOULD HAVE PROCESSED EXPIRED PROMOTIONS SO THAT THEY CAN EXTORT AND TAKE OUTRAGEOUS FEES
Consumer complaint received 2019-11-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (WI)

I was working on puchasing a house then this came up on my credit report. 
I was able to remove the problem from XXXX  and XXXX  its showing up on my report again this time on XXXX. 
Axcssfn/cngo Acount XXXX I have never received any information on this account. 
It shows on the credit report Charge off on 2014. Again I have never receive any phone calls or mail about this account.They are saying Balance is {$15000.00} when I lived at XXXX XXXX XXXX XXXX your identity. I did call my anttorney XXXX XXXX XXXX he tryed to call and get this worked out and had no luck. 
if this was me why would someone from the company call me to work this out or to let me know I was late with the paymenst I never received a call or mail on this account.ever.
Consumer complaint received 2021-11-15
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. (MS)

I have reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. Equifax, XXXX, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified Equifax, XXXX, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (TX)

I have an {$800.00} credit limit with this company. I paid {$650.00} on XX/XX/2021. It states my balance remaining on my credit is {$190.00}. But I have a negative ( {$55.00} credit limit ) this needs to be updated. It makes no sense and you can not get through to anyone to complain and get this addressed. Also every time I make a payment there is no confirmation of payment. So there are always issue with this company.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

* AmeriSave is requesting information from me that never been requested before after I have refinanced several times. Asking for companies statements for 12 months that is on my credit report that is not in a derogatory category. 
* Asking for 60 days of bank statements that was already submitted. 
* Just sent me below after XXXX XXXX confirm I didn't need anything else last week. 
Bank Account Information for {$47000.00} XXXX XXXX, please provide 2 months consecutive bank statements or 60 consecutive days acceptable transaction history. Documentation must include Bank/Institution name , Account Holder, Account name, Account type, Balance and Balance as of date supporting {$3000.00} in assets. 
*Please provide a Mortgage Statement from Creditor : XXXX XXXX Account number : XXXX to support timely payments for the month of 12 months *Provide documentation supporting the omission of the following non-mortgage debt : 1. If this is paid by another person/business provide 12 months cancelled checks/bank statements showing the full payment amount. Or 2. If the balance is XXXX please provide a statement or paid in full letter in addition to source of funds to do so. All documentation must reference the borrower and the account number listed Creditor : XXXX CARD | Account number : XXXX OTHER DOCUMENTATION Please provide a Mortgage Statement from Creditor : XXXX | Account number : XXXX to support timely payments for the month of 12 months * I know these request is out of line with a refinance Mortgage.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate. 

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), 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 2022-05-20
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. (CA)

I AM HAVING A PROBLEM WITH MY XXXX XXXX  CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My XXXX Account for was included in my bankruptcy. They state that my bankruptcy was not discharged nor open which is false. It was discharged on XX/XX/16. Furthermore, they insist to keep the account open and reporting my ALLEGED DEBT as a charge off for several months, a little over a year, even though my account had been closed previously on my Transunion report. I've reached out to them on several occasions to no avail and they are negatively affecting my Transunion report.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (CA)

Back on XXXX XXXX my company XXXX sold 3 XXXX XXXX TVs to a customer for {$12000.00}. Payments on the same invoice were for {$9800.00}, {$1900.00} and {$970.00}. My company had to order the units from a distributor called XXXX XXXX. The transaction turned bad because it was discovered that the customer used a stolen credit card and fake identification. I, as the merchant did my due diligence to collect a signature for purchase and photo ID. 
About a week later, the credit card merchant services sent my company 3 notifications of chargebacks. They attempted to debit ( without prior notification ) {$13000.00} from my business bank account including chargeback fees. When they were unable to do so because my bank blocked the drafts they sent the account to a collections company called Cedars Business Services XXXX which threatens to hurt my personal and business credit with their actions. The first agent who made contact by email/phone was named XXXX XXXX the second XXXX XXXX, both from the same company. Mr. XXXX first made contact by phone and later that day by email XXXX XXXX.
Consumer complaint received 2019-11-22
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. (SC)

Submitted information to Transunion through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never received a reply. My file number is XXXX.