davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (NY)

I opened an account with XXXX XXXX ( serviced by Key Bank ) on XX/XX/XXXX. I funded the account two ways, first with {$5.00} from a XXXX XXXX account, and second with four {$500.00} money orders purchased on XX/XX/XXXX. I then referred a friend to XXXX, who received his referral bonus and still has a working account with them today. 
The funds from the money orders were held until XX/XX/XXXX, and when I tried to access the account soon after that date the online banking platform rejected my login, saying to contact the bank to verify my identity. 
I went through many calls trying to figure out what the problem was, and no one at XXXX XXXX could tell me anything other than that the funds were approved and available, but my account was under review for an unknown reason. 
Key Bank sent me a letter notifying me of suspected suspicious activity on my account on XX/XX/XXXX, and that my account was under review, but I never heard from them again until last week, XX/XX/XXXX, when I received a letter dated XX/XX/XXXX informing me that they honored my request to close my account and were including a check for the closing balance. 
The check they sent was for {$5.00}, and there was no mention of the additional {$2000.00}. I was already told verbally by an account representative that the funds were approved, and I received a statement from XXXX XXXX at the end of XXXX that confirmed my account held {$2000.00}. I even contacted XXXX XXXX and confirmed that all four money orders had been cashed. I am including the pictures of the money orders and receipts for all of them. 
This is theft. It is so unprofessional and unacceptable to close my account without verifying anything with me, asking me any questions, or communicating with me at all. And it is even more ridiculous to close the account and pretend the {$2000.00} balance never existed, even when they sent me a published statement confirming the balance at the exact same time.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Experian does not acknowledge my disputes and it is impossible to get on the phone with someone to get this resolved. Their disputes team does not do anything about this and the online dispute never works. They continue to report " XXXX XXXX account # XXXX '' as potentially negative, when this account is now XXXX XXXX XXXX and should no longer be on my report. Additionally, this was a PAID IN FULL charge-off. 

They are doing the same thing for " XXXX XXXX  account # XXXX '', this was a PAID charge-off that is also XXXX XXXX XXXX and should no longer be on my credit report. Both of these are negatively affecting my scores still and need to be removed.
Consumer complaint received 2022-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

Pursuant to 31 USC 3729 3733, the alleged accounts purchased with the social security number assigned to my name by the Social Security Administration are the obligation of the United States pursuant to 18 USC 8. Navient used the identifier, a social security number, to attempt to collect a debt from me and is guilty of violating the False Claims Act ( FCA ) as the social security number assigned to my name is the belongs to the Social Security Administration.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-06-03
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)

These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (CA)

13 months now I've called customer service at Direct Express usdirectexpress to get my card replaced and ran into loopholes and problems every time and they're telling me after about nine months somebody's been trying to fraudulently get the card replaced but the wrong information given to them when I called Direct Express my last three times I know I give me the right information every single time I called Direct Express is denying me a new card around XXXX 2019 I got advocate that works for Direct Express but he has never returned my call I've called that are 10 times gave up The Advocates name is XXXX call on XX/XX/2019 at XXXX XXXX XXXX Pacific Standard Time phone number ( XXXX ) XXXX holding me back at least nine times even gave authorization to XXXX. XXXX. The owner of the mobile phone number that's the voice mail was left on ( XXXX ) XXXX in case I was out you see we got nothing to hide we're not trying to hide or scandalize anybody
Consumer complaint received 2022-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and XXXX loan and due to the pandemic crisis, and your company has hurt me to Uptain credit.
Consumer complaint received 2022-10-05
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP (WI)

I have received repeated calls from this number for more than two years. The latest was today, XX/XX/2023. No message is ever left. I have even blocked this number, but the calls continue. After investigating this number, I discovered that they are a law firm named Linebarger, Goggan , Blair & Sampson. This particular phone number is out of XXXX and concerns collecting of unpaid parking tickets in the city of XXXX. I find this VERY strange as I live in XXXXXXXX XXXX and have never once parked my vehicle in the city of XXXX. I do not know how they have obtained my telephone number, but I believe this to be a complete scam and want these calls to immediately stop.,
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (NY)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2019, I attempted to order my free credit report from Experian per Georgia State Law via their web site. I answered all questions correctly to confirm my identity. I was then directed to a web page telling me to mail in proof of my identity. I then tried a provided link to upload my proof of identity. All information was previously entered correctly and all required documents were given ( State of Georgia Driver 's License scan and Bank Statement Scan ). This failed telling me that the file sizes could not exceed 15MB. The file sizes were 2MB and 135K. They again directed me to mail in the information. I sincerely believe that Experian is making it very difficult to order my free credit report per state law. I had absolutely no problem with XXXX and XXXX.
Consumer complaint received 2022-01-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collins Asset Group, LLC (AP)

Collins Asset Group is acting on behalf of XXXX XXXX XXXX stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.
Consumer complaint received 2022-10-05
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Consumer complaint received 2020-06-10
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. (GA)

There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, Equifax, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  XXXX XXXX and XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Consumer complaint received 2024-03-13
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. (NY)

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-01-13
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: EQUIFAX, INC. (NY)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

XX/XX/2019 my Pay Pal account was placed on a freeze. I contacted pay pal and I was advised it was due to another account that was open in my name that had a negative balance which has to be fraud because I have never had any other pay pal accounts in my life. 

I was advised to submit a police report for identity fraud and my funds will then become avail 5-7 business days after the report was received. So I followed all the steps and provided them all the information requested to me. Two months go buy I heard nothing so I called back in and they advised me that the original ticket they submitted to get this corrected had expired and they needed to start the process again! 

So another months goes buy I received a call saying they were going to lift the hold on my account and I could resume to use my account as normal. Long story short that was a lie no holds were ever removed. So again I called in and they had to start the process again long story short at this point Im receiving auto responses saying that they have completed there investigation and because the account Im saying is fraud has all my personal information that I am liable for the debt and I need to pay the debt to gain access to the account that has my funds
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: NRA Group, LLC (GA)

XXXX XXXX XXXX credit card inding inXXXX that is not my card I told them that I had a card ending XXXX was paid off and this XXXX I dont owe this and they keep sending me pre approved credit if I owed and they are trying to collect why give me more credit not mine was sent to old address
Consumer complaint received 2023-01-13
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)

I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reported to the bank when I found several transactions were unauthorized and unrecognized in my account. The bank took care of it immediately. However, my appeal to those unauthorized transactions were declined very soon because they said there was no error found in those transactions. I called the customer services at once and talked to their supervisor and they promised me to escalate the situation. However I have waited for over a week and got no response. When I call back to know the details they told me they have nothing to do although I reported to them that my information, including card number, social security, was stolen but they insisted there was no error. They also told me those transactions were made by inserting chips ; however, those transactions were made online, like membership fee for dating website, how is it possible to use chip to make those transactions, regardless I never heard of the merchandise. 
The customer service never listen to the customer as well as the victim.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

I recently purchased a used car from a dealership and obtained financing through Wells Fargo. In order to make a principle payment on the loan I have to call them and not use the website. Then, they take the money but wait XXXX hours before applying it towards the principle during which they are still accruing interest on the original principle amount. I have also had to call back multiple times because they didn't actually put the money towards the principle. They instead put it towards future loan payments even though they said that they saw on my account that it was supposed to be applied to the principle. Wells Fargo is doing this so that they can continue to collect interest on the full principle amount.
Consumer complaint received 2021-06-03
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)

I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.