davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (GA)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (WI)

AFFIRM - ( XXXX ) loans. 

All AFFIRM loans payments were made on time until : a. ) AFFIRM closed the loans including my online access to my account for the loans ; b. ) AFFIRM excused me from making further payments ; c. ) AFFIRM stated they were not able to verify the loan. 

My online acct access was terminated. I am still unable to sign into my acct online since XX/XX/XXXX. 

AFFIRM has as of TODAY XX/XX/XXXX - ( and not XXXX  when the loans were supposedly active ) - placed a derogatory report with the credit bureau. 

AFFIRM has for each of the ( XXXX ) loans reported : PAID/CLOSED/NEVER LATE in XXXX and XX/XX/XXXX. ( see attachments ) AFFIRM today, XX/XX/XXXX, reported charge-offs for loan accounts which ARE NOT MINE. ( see attachments ) QUERY : If the loans were not paid on in XXXX and XXXX, why was there no reporting activity to the credit bureau, with only today 's derogatory report for each of the loans. 

My loans were for ( XXXX ) year, and were opened in XXXX and XXXX. My loans were for less than {$200.00} each. All loan payments were made on time. 

I am unable to access my accounts on AFFIRM.com, and have not been able to access my accounts on AFFIRM.com since the loans were FORGIVEN by AFFIRM in XXXX. 

My loans were FORGIVEN by AFFIRM in XXXX and I was RELEASED from these loans in XXXX. No contact attempt by AFFIRM was made after XX/XX/XXXX. 

All attempts to discuss this matter with AFFIRM were closed down by AFFIRM.
Consumer complaint received 2023-02-17
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 2024-04-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

National Credit systems is reporting to my credit report about a debt that I do not owe to them. They have sent me several communications in the past via e-mail, letters, and phone calls trying to collect monies for XXXX accounts Im unaware of. There is a report on my XXXX and XXXX account profile for a balance of {$4300.00} and also on my XXXX account profile for both {$4300.00} and {$2000.00}. 

Previously the charges of {$2000.00} was removed from XXXX but no actions on my other credit reporting. 

I have mailed to NCS a cease and desist letter for the removal of these collections via certified mail and it was received as of XX/XX/year>2024 ; no actions has been taken with NCS and collections still remain on report. I can provide a copy of cease and desist letter if needed. Thank you.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

I was involved in a bank scam. I met this girl and she seemed pretty nice enough to let my girlfriend and I stay over her place because at the time I was homeless and my girlfriends mom kicked her out. While we were staying there some of our personal information was getting taken from us and even as a couple we would argue back and forth about who touched whoever stuff. We didnt realize that the people we were staying with and calling our so called friends at the time were stealing our information and using it to scam us. My girlfriend who has already filed a report for identity theft and myself am trying to file for bank fraud. In my situation it was quite different because I didnt know what was going on behind the scene of what happened but I do know what I was told was that they would deposit some money in my account and all I would have to do is go up to the bank walk in and get the money out of my account. The night that the money hit my account I told them that I didnt want the money because I started getting more information about what they were doing. They threatened me to go to the bank or they would start at the first address underneath my bank account. After that I got the money from the bank and walked out the bank with XXXX from the bank. They then told me to get in their car and they told me to give them the money. I did and they gave me XXXX from the XXXX I walked out the bank with. They then told me I had to go to another branch to take out the rest. I went to another Branch and took out the rest of the money. At the time I didnt have my car and the same people that ran that scam on me were the people I was staying with at the time. I was simply told that I would be getting money hitting my account but not everything that would come with it. In total they scammed XXXX out of my account.
Consumer complaint received 2023-02-17
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. (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. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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 2024-04-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Systems,Inc. (GA)

National Credit Systems reached out to me regarding the XXXX XXXXXXXX account, and we agreed to make a partial payment and that they would remove in its entirety from my credit report. 

I made the payment, but they did not remove as promised. 

I am requesting that this debt be removed as agreed. When I reached out to them today, they were very argumentative and disrespectful until I decided to hang up the call. 

I am requesting this account to be removed! 

Account # XXXX Original Creditor - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

After receiving a notification that there had been a change to my credit report on XX/XX/XXXX, I pulled a copy of my XXXX credit report. I noticed that there were two of the SAME collections were being reported by Fair Collections and Out, which I don't believe was done by coincidence. I believe the double reporting was done with mal intent, knowing this could potentially harm someone's character and livelihood. On Monday, XX/XX/XXXX, I called the office to try and get more information about the collections that were being reported. The representative attempted to explain to me the alleged debt, but I insisted that I didn't understand, and that the debt had to have been reported in error. I then as for the original purchase agreement, original terms and conditions along with proof of ownership of the debt. I provided my information and still have not received the requested information. 

The reporting of the two accounts for the same debt has tarnished my credit reputation and has caused a strain on my security clearance required for employment. According to the credit report, this debt began XXXX. The original creditor listed on the report is for an apartment complex called XXXX XXXX, located in VA, which I've NEVER heard of. I've resided at my current locations for almost 3 years, so I'm not sure how I could have lived at this location in XXXX. There are a lot of questions and very few answers.
Consumer complaint received 2023-02-17
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. (AR)

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my credit report is shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under the provisions of the Fair Credit Reporting Act section 605b. I am requesting no other than the immediate deletion of the disputed accounts.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (FL)

XX/XX/ I went on my XXXX XXXX site, PenFed XXXX Pentagon Federal Credit Union. In their credit card application, they clearly state, PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE! I applied and before I could even press submit, I was getting an alert from XXXX XXXX about a hard pull on my credit report! I only applied because they clearly stated, no impact on my credit score! I have a screenshot of this company stating the no impact on your credit score.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX 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 2020-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

42 usc color of law capital one bank is refusing to research issue where systems were experiencing technical issues. Upon enter my account XXXX and off cents was errors to bank technical issues. Spoke with fraud department and refused to open claim.I am clueless even to being able to unlock and lock card. That is when issue occurred
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I was alerted in XXXX or XXXX that a XXXX XXXX loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX  we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Consumer complaint received 2023-02-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (IL)

I am writing to complain to PNC BANK about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I received multiple notifications of a debt via phone call on or about XX/XX/XXXX for approximately {$1400.00}. This bill was for my son XXXX XXXX, for services rendered from XXXX XXXX XXXX XXXX. These calls were sent from a third party debt collector XXXX XXXX XXXX. 

My wife and I attempted to reconcile this alleged debt with Tri-Care insurance and XXXX. After the third attempt to collect, I corresponded with XXXX XXXX of XXXX XXXX XXXX, specifically requesting verification of my debt in accordance with The Fair Debt Collection Practices Act. 

He sent a " bill '' indicating that I owed " XXXX. '' Upon receipt of this document, I called XXXX XXXX to discuss. This conversation occurred XXXX XX/XX/XXXX. He, like I, had the same impression that nothing was owed. He alerted me he would be resolving the issue on his end and assured me it would be taken care of. 

On XXXX XX/XX/XXXX, XXXX XXXX sent me another message. This time he alerted me ( without a verification of debt ) that the alleged amount was valid and I should discuss the issue with XXXX XXXX. 

Please keep in mind, I have not received a verification of debt. memorialized in an email correspondence chain originated from my XXXX XXXX XXXX email. I will attempt to attach it to this complaint and have it ready to furnish if/when desired.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK (AR)

An online savings account was opened at Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, Account Number XXXXwithout out knowledge with {$0.00} balance. We keep receiving statements showing that balance with deposit slips. We have talked to the bank repeatedly including their fraud unit. We received a letter on XX/XX/scrub>XX/XX/that they have investigated, and the account was opened without our knowledge, and they were closing the account. 

We continue to receive quarterly statements indicating the {$0.00} balance with deposit slips. We have had telephone conversations quarterly, and they continue. We would like them staoped.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.
Consumer complaint received 2023-02-17
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX