davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item 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.
Consumer complaint received 2024-02-23
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. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (NY)

I got a phone call from XXXX at XXXX. I was in a loud place so I kept saying hello. A lady told me to lower my voice in a rude tone. I told her not to speak to me in that deragotory manner and she ultimately called me a XXXX. She never said a name of who she was looking for and was very aggressive towards me from the onset. I called back and demanded that all calls be stopped unless they behave in a professional manner. Secondly they behaved as if they had a right to threaten and harras me because they think I owe a debt.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (KY)

I signed up for PREMIER STUDENT LOAN SERVICE in XX/XX/XXXX. They told me I had to make 4 payments of {$240.00} and after that I would pay $ for 20-30 years. They got my loan down to {$5000.00} - {$5900.00}. I made my payments on time every month. I got a letter from XXXX XXXX XXXX some time in XXXX says I pay {$0.00}. I get a call XX/XX/XXXX says Im past due on my student loans. I thought I was paying PREMIER LOAN SERVICES. I tried to call no answer go on they website to find out they were being used. Look on my XXXX  credit report and I have an address on my report that is located in California. Never been to California before in my life. Go to renew my fasfa to start school again and Im locked out they changed my email and phone number, so I couldnt login in. Had to call FAFSA to get everything back working. So basically I was scammed.
Consumer complaint received 2020-01-09
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. (NY)

i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.
Consumer complaint received 2020-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, after I purchased gas at a XXXX XXXX  ( near XXXX ), I noticed my credit card chip or identity was stolen. There were 9 unauthorized transactions ( total of ~ {$800.00} ) shown up on my Bank of America credit card account. These transactions were made during XXXX until I called BOA to issue a replacement card. A fraud claim has been filed to the bank but was denied by the Bank many times ( even by the supervisor ), even though I have filed a police report to support my claim and contacted the credit reporting agencies. I never had a late payment and has been with the BOA for 10+years. 
I do not understand why BOA would doubt the fraud claim filed by a loyal XXXX  XXXX XXXX. Based on my purchase history, I rarely ever made purchases at those stores ( XXXX, XXXX, XXXX XXXXXXXX ). These were obvious frauds. I should have just told the Bank that my credit card was lost or stolen. I am not sure what else I could do with these fraudulent charges.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp (WA)

While I was employed I was garnished for almost 2000 $ when calling and trying to make payment I was told I couldn't as it had been sent to a different area in the legal department. I was then on XXXX and received notification that I still owe roughly the same amount. What started as a XXXX debt has been raised to XXXX paid to XXXX and now above XXXX again. Im Currently unemployed and it's a never ending cycle with no resolve In sight. I asked to work out a settlement and was given an amount that was no way feasible.
Consumer complaint received 2022-01-28
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: SYNCHRONY FINANCIAL (CO)

Received letter today asking me to ID myself so a credit card could be issued ( Verizon CC ). I did not apply for such a card. The Banks address and phone number on the letter appear to be phony. My XXXX Report shows " Soft Inquiries '' about a Verizon CC.
Consumer complaint received 2022-12-27
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. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-09
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. (FL)

I have two accounts on my credit report with Experian, XXXX XXXX, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (OK)

Information on my credit report is wrong, I sent debt validation on XX/XX/2019 and XX/XX/2019 still havent heard anything yet. And foreclosure is over XXXX old still on my credit.
Consumer complaint received 2024-02-23
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. (MS)

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NY)

Re Loan number : XXXX I have a perfect relationship with US Bank since 2014. Paying all my bills on time means a lot to me and I am always very on top of it. I recently Leased a new XXXX XXXX with US Bank but I did not receive any statements in the mail due to it being a new account or someone stole the statements out of my mailbox. I also had trouble logging in to view my statements and make payments online. I am currently applying for a mortgage, but the 30 days late reported by your bank is hurting my score very much. In an email exchange with Mr. XXXX XXXX, he confirmed that I was not sent any statements for this loan as it was a new loan and there was some type of system error. ( please see attached ). Therefore I was not aware that a payment was due. Please remove the late mark from my credit report ASAP. Therefore I was not aware that a payment was due.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filed XXXX complaints against Capital One credit card. They continue to pilfer money from my acct. 
You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 
I filed another complaint for {$48.00} they didn't reimburse me. After examining my screen shots they gave me back my {$48.00}. 

They did not apply {$53.00} to my acct when XXXX dropped that charge. It was not put into my available credit, nor was it taken off what I owe Capital One. 
I'm sending you screen shots. I want my {$53.00} put back into my account. They keep pilfering money from me when I do multiple transactions. IT NEEDS TO STOP NOW!!!!!!!!!!!
Consumer complaint received 2020-01-09
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. (OR)

There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, Equifax and XXXX  and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Consumer complaint received 2023-01-10
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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.
Consumer complaint received 2020-01-09
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. (TX)

On XX/XX/XXXX, I sent a letter to Equifax disputing an account with XXXX XXXX XXXX  that was reporting an inaccurate date of first delinquency and payment history on my credit report. Equifax was showing the account was 30 days late in XXXX of XXXX, but that the date of first delinquency was XXXX of XXXX, which moved it forward by one full month. Therefore, Equifax 's own report showed conflicting information. In addition, my XXXX  report showed the account had become 30 days late in XXXX of XXXX. I disputed the entire payment history of the account on my Equifax report due to these inaccuracies. On XX/XX/XXXX, Equifax responded to my dispute. Equifax verified that XXXX of XXXX was the correct date of first delinquency. However, Equifax completely messed up the entire payment history for the account. Equifax removed all payments from XXXX entirely. Equifax added two late payments that never occurred : they said I was 150 days late in XX/XX/XXXX and I was 180 days late in XX/XX/XXXX. These late payments are not only incomplete, but also moved forward nearly a full year after these late payments supposedly took place. This makes it look like I was late in XXXX, and I did not make any late payments in XXXX. The account was charged off during the entire year of XXXX. Overall, Equifax added false late payments to this account, removed my on-time payments, and did not properly investigate the account. The account is not compliant with the FCRA now or before my dispute.
Consumer complaint received 2022-01-28
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. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-11-12
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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