davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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: DISCOVER BANK (FL)

I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. 
XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. 
I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. 
Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. 
The Discover case number is XXXX.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Experian XX/XX/2023 To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing such as incorrect and unverifiable information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-03-09
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. (CA)

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 # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2023-04-08
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: Experian Information Solutions Inc. (LA)

Experian, XXXX and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681. 

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest. 

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! 

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). 

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored.

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX I deposited a money order for the amount of XXXX XXXX times XXXX different money orders my account was put into the negative XXXX $ I contacted the bank in regards to my account customer service stated I can not deposit money orders into the bank and the money will not be funded to my account that I will have to bring cash and was hung up on upon the call. I then contacted the bank again regarding my transaction and was told their was a hold placed and will not be removed I was again hung up on via phone I am not receiving any service in regards to my money or my account
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc. (FL)

I received my Prosper credit card through XXXX XXXX bank a year ago. In that time, I used it once. I can not tell you the amount bc I'm unsure how much my purchase was for at this time. As I do every month, I went to pay 50 % of my bill on the first of the month, I clear the balance by the XXXX of the month. 

However, after multiple attempts to sign into their online app, it would not let me in. Let me add that I am not a casual user of tech application. I am extremely well versed. I finally called the company and this is where the problem started. Customer Service representative ( who was very nice ) let me know the last 4 digits of my social were " wrong ''. I am XXXX years old and have been writing my ss # since the dawn of time. Fine, maybe they keyed it in wrong. How do we resolve? 

I was asked to send a copy of my social security card, which I did, to an address I was given. I did that and waited. I gave it a few weeks ( 3 ) and retried the app. Didn't work. I tried to phone in my payment. Didn't work. Why? They never fixed the problem. I did what I was asked, they did not. 

I called back today, XX/XX/2022 when I noticed a HUGE dip in my credit score. They did not freeze the account prior to fixing the error. They have been compiling late fees and interest on the balance I've been trying to pay for months. I asked to speak to a supervisor as another call center employee ( XXXX, XXXX... another very lovely person ) gave me the exact same " solution ''. ( NOT her fault ). Both supervisors were on the phone with other customers, but I should get a call back. No one received my postal mail with my social floating around so I'm very reticent to mail a check. 

Upon doing some research, I see I'm far from the only person to have this or a very similar issue with XXXX XXXX bank and their products. 

I have not made late payments to ANY other cc account l have. I am in the midst of trying to purchase my FIRST, very own home. Their lack of diligence is now affecting my ability to get a mortgage. I am literally trying to pay them in FULL and want them to close the account for good like I requested months ago. 

This bank is running fraud games, manipulating consumers with predatory practices.
Consumer complaint received 2022-05-23
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. (PA)

I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/20XXXX XXXX
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IN)

I started at XXXX XXXX in XX/XX/2008 and did not finish my degree. I have student loans and the college has since closed. My loans were sent to collection company as I could not afford the HIGH payment they wanted me to pay. I am currently making {$14.00} monthly payment to collection because they have withheld my Tax return. I have asked several different times of lowering my payments to a reasonable amount and can never get anywhere? I would figure they would work with me instead of not getting paid. I just received a phone call from XXXX stating my loan was accepted into the Navient lawsuit and to call this number for 90 % loan forgiveness and gave a ref # XXXX to use when I call back. I'm not sure if that is a scam. I owe over {$30000.00} In student loan debt as I'm not saying I don't owe this but these companies will not work with me.
Consumer complaint received 2022-05-23
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. (IN)

In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to Experian on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana and XXXX XXXX XXXX, XXXX XXXX, Indiana. Experian did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2022-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX XXXX in the customer advocacy department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the XXXX XXXX XXXX have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Back in XXXX XXXX XXXX I received a notice from Discover Card indicating I had missed my past two payments and my account was delinquent. My account has been set up on auto-pay since its inception so as to never miss a payment. 

I contacted Discover customer support and inquired as to why my auto-payments were not being made. The account they were drawn on had sufficient funds and no reason for the payments to have not been made. I was advised their system had unsubscribed me from the auto-pay. Customer service could not provide an explanation as to why it was unsubscribed, but was not done at the cardholder 's request. 

I provided them with a payment to cover the delinquency. Auto-pay was re-configured and payments have been made via auto-pay on-time ever since. Discover agreed to reverse any late fees and remove the " late '' flags from my account and credit report. The late fees were waived for those two months, but they have never followed through to remove the credit hits for the late payment 30 days past due. I've further disputed this through the credit agencies without success and have spent considerable time and effort trying to get this resolved. This continues to be a factor in my credit history and needs to be completed. 

If you need any further documentation/explanation, please let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Somebody applied for a credit card from Bank of America in my name. I did not apply. 

I called Bank of America and told them to cancel it as it is fraud.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (GA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (IL)

One year ago ( XX/XX/XXXX ) I started looking at my credit reports to see what was on it to see what needed to be done to get my score up to purchase a home. Upon doing this I came across a account in collection Midland funding LLC prior creditor was XXXX XXXX  for {$560.00}. I had no idea what is was or who it was for so I disputed it telling them I didnt know what this was for and wanted it to be validated. They would just respond with a letter that said the account was valid. I disputed it twice. Now this month ( XX/XX/XXXX ) I decided to call XXXX to see if the could tell me more about what it was for since when I tried to find out I didnt get a informative response. The agent at XXXX told me it was for a store credit card, the store was XXXX and the original charges where done in XXXX or XX/XX/XXXX in Missouri. At that time I was actually in XXXX XXXX, Washington where there isnt any XXXX stores so I immediately reported fraud as it wasnt me. I have documentation that proves when I actually flew to WA and ended up residing there until XX/XX/XXXX. Had I taken the time sooner to look into everything on my credit report I would have most certainly reported it sooner.