davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service (WV)

My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.
Consumer complaint received 2015-04-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: UNITED SECURITY FINANCIAL (CA)

United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.
Consumer complaint received 2022-02-01
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: BARCLAYS BANK DELAWARE (TX)

On or about XX/XX/XXXX I purchased online a XXXX supplement. I used my Barclays credit card ending in account XXXX. The company ( XXXX XXXX ) charged {$19.00} for the product. Once I entered the card data, the total amount of same became {$240.00}. I immediately called XXXX XXXX and alleged fraud and told them to cancel order. The female that answered barely spoke XXXX and said she would not cancel the fraudulent order. I immediately called Barclays ( My Card Account holder ) and informed them of the fraudulent charge. Barclays canceled the card and mailed me a new one. On XXXX XX/XX/XXXX I received a letter from Barclays that they had completed their investigation and the charge was valid. I called Barclays on XXXX XX/XX/XXXX at XXXX and talked with " XXXX XXXX whom said while the charge may be a fraud, I provided the card data to vendor so I had to pay. I told her I never received a product, the charge was fraudulent, the company name changed each time a XXXX XXXX  add was shown, and XXXX admitted that her record showed that the product had been returned to vendor. XXXX stated I had to call XXXX XXXX so I did at XXXX and talked with " XXXX '' who barely spoke XXXX and he admitted the product had been returned and disputed by Barclays and to take it up with them. I called Barclays back on same day at XXXX and told " XXXX '' whom barely spoke XXXX and told him the entire story and he said I had to pay the amount despite not receiving a product, there were claims of fraud on XXXX XXXX each time the advertisement showed, the company name changed each time the product showed. XXXX then engaged in semantics over " Fraud '' and " Scam '' with me. I do not owe the {$240.00}. I was forced, at the threat of putting on my credit report, to pay a fraudulent charge to a fraudulent company that never sent me a product despite doing everything right.
Consumer complaint received 2022-02-01
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. (OH)

There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.
Consumer complaint received 2022-02-01
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. (MI)

The following items were seen on my credit report which I found some erroneous remarks in each item. TransUnion has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

I lived in XXXX XXXX in XXXX, MN : XXXX XXXX, XXXX was landlord ; ( herein referred to as XXXX XXXX. ) I paid all of my rent. ( I would have been evicted otherwise. ) I have the landlords ledger of the rent I paid. 
I have all my rent receipts. 

XX/XX/XXXX was my last month. 

I left not owing money. 

Nearly 2 years later : Hunter Warfield [ XXXX ] XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a collection agency that HAS illegally identified themselves as an attorney on my credit report this collection agency reported a Collections ( AND a negative Account ) to my Credit Report : Claiming that I owed ( what? ) {$1700.00}? 
to XXXX XXXX. 

All systems have failed since that moment : [ FIRST SYSTEM-FAILURE : ] I provided ( 1 ) my rent receipts for XXXX, ( the time in question ; ) ( 2 ) my lease ( proving rent amount ; ) and ( 3 ) the computer printout of my account history from the landlords database. 

Warfields proof that I owe this money is a document that any XXXX can manufacture with a computer and printer. 

[ SECOND SYSTEM-FAILURE : ] I disputed this record on my Credit Report the last time in XX/XX/XXXX : ( I sent everything by return-receipt mail : ) I NEVER RECEIVED RESPONSES FROM WARFIELD OR THE THREE CREDIT-REPORTING AGENCIES.

So it should have been removed from my credit report. 
It was not removed. 

[ THIRD SYSYTEM-FAILURE : ] Things fall off automatically after X-amount of time : From memory : In Florida, it is 3 years? 
Definitely across the board SEVEN YEARS MAXIMUM : The debt is from XXXX : XXXX plus 7 years equals XXXX : It is still there on my Credit Report. 
Until XXXX, I was told. 

... 

Firstly : I NEVER OWED THIS MONEY! 

Secondly : I PROVIDED ALL EVIDENCE my receipts, the lease, the landlords record THAT I DO NOT OWE MONEY, AND THAT I NEVER DID OWE MONEY. 

Thirdly : How many laws in-place to protect me have failed? 
( a ) Calling the business an attorney ; ( b ) never responding to my filed dispute ; ( c ) not adhering to the 7-yr MAX reporting time-limitation WHERE AND HOW IS THIS GOING TO END? 

DO I NEED TO TELL YOU WHAT CONSEQUENCES I HAVE SUFFERED FROM THIS FRAUD!! 

IF I HAD A HISTORY OF NOT PAYING MY BILLS : MY CREDIT REPORT WOULD REFLECT THAT. 
__ THIS NEEDS TO BE REMOVED TODAY, NOW. STAT. I am suffering because of my Credit Report BECAUSE OF THIS! and I need your help to rectify this evilness. 

This is nothing more than extortion. 
Pay the {$1700.00} and get my life back. 

Please help me. 

Thank you.
Consumer complaint received 2018-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NJ)

Hi in 2015 I opened a cd with XXXXXXXX XXXX XXXX 5yr term at 1.95 APY 2.0 the bank changed hands it is now m & t there interest rate is1.95 APY is 1.97 the manager and teller said the forumular is the same.When m & t bank toke over XXXX XXXX then said they would honnor the cd from XXXX city.HELP
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IN)

I have a collection account on my consumer report from the company ERC I have disputed this account several times to no prevail. They are fraudulently saying I owe them when I never had any contract or anything. This company need to pay for negligence compensation and remove from report. This company has been on my report for 4 years now
Consumer complaint received 2022-02-01
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. (MD)

To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.
Consumer complaint received 2022-02-01
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. (MD)

To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  I have sent several notices to change this or update my file but nothing has changed.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (CA)

I got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX Inquiry DateXXXX/XXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX  Inquiry DateXXXX/XXXX  NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX  XXXX CityXXXX XXXX  StateSD ZipXXXX  We found a new credit inquiry on your XXXX  credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX  Inquiry DateXXXX/XXXX  NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX  XXXX StateIA ZipXXXX  SourcXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX XXXX PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXXXX  StateNJ ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX  XXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXXXX StateAZ ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XXXX XXXX  CityXXXX XXXX StateDE ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXXXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX XXXX StateUT ZipXXXX  Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXX XXXX XXXX XXXX  XXXX CityXXXX StateGA ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX  XXXX StateTX ZipXXXX SourceXXXX  Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX XXXX  XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX  Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameCXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXXXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXXXXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry Date0XXXX/2022 NameXXXX Phone ( XXXX ) XXXX Business XXXXypeBB Street AddressXXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was forced to file a dispute through CFPB against TransUnion on XX/XX/year> becasue their system would not allow me to do so. Apparently, your influence got them to help. They took the collection account off my credit file but did not restore my credit score to where it was at before the false information was filed. I was waiting and hoping they would. Yesterday I received an alert from XXXX XXXX, a 3rd party credit monitoring agency, that an open revolving account had been opened on my credit file. XXXX XXXX asked me was it mine and advised me to dispute it if it wasn't. I logged onto TransUnion and found the open revolving account with a lot of negative information about the false collection account. There was no dispute tab on the account so it can't be disputed. I did see that they had raised my score to XXXX. 

It seems that they deleted the collection account but then the next day did an end run around that and just open the revolving account which states that I opened the account with XXXX  XXXX, the ones who originally filed the false collection account in the first place. This is unacceptable on so many levels. It is sad that little people like me who just fight hard to maintain good credit have to go through stuff like this. XXXX should be held accountable for doing everything they can in order to hurt and damage folks like me. I hope and pray that CFPB will help me to get this straightened out.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
.
Consumer complaint received 2024-03-12
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. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 



In accordance to the Fair Credit Reporting XXXX Account has violated my rights. 

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-01
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. (WA)

To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX XXXXXXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Consumer complaint received 2022-02-01
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. (MD)

To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.
Consumer complaint received 2023-02-08
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. (IL)

I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2020 US Bank took {$4300.00} from my checking account # XXXX stating there was suspicious activity because of a bank transfer my daughter sent me of {$5000.00}. 

It has been XXXX  year and XXXX  months the fraud investigation has been done for a year and me nor my daughter have not received any funds back from US Bank. 

I have spoken to XXXX XXXX XXXX the branch manager from the XXXX Ca branch. She informed me that US bank has tried to return the funds back to my daughters account which was false US Bank never tried to return the funds. 

My daughter was then told by US bank to file a claim with Bank XXXX XXXX to retract funds so she filed a claim and XXXX  XXXX XXXX told my daughter that they have no record of US banks request to return the funds.