davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. | experian consumer reporting violation under 12CFR 1026.13, 15USC1681s, EXPERIAN has reposted closed accounts over multiple month against FCRA consumer reporting guidelines, experian has been continuing to report accounts that were they never authorized under regZ of TILA and more. PLEASE SEE ATTACHED.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On Sunday XX/XX/10 I tried to watch a movie on XXXX XXXX XXXX. A page loaded on my TV with a code to enter and a Q code on the other half of the page it said For Support Call XXXX. I called this number. It was answered by a man sayin XXXX XXXX XXXX. He then told me my account was in review because of suspicious activity in TX and OH. He then had me open the app XXXX XXXX which allowed him to see into my XXXX. I was on my XXXX the entire time of the call. He had me install : XXXX, XXXX, XXXX. I already had XXXX. He instructed me to send money to various fictitious people. When I questioned him he said the money would be right back into my account. Most of the time these transactions were denied. Some did go through. XXXX has re=credited me the {$400.00} that was taken out. My credit card also re-credited the money. 

I called my bank USAA as soon as I realized it was a scam. USAA closed my checking account and my two savings accounts. They are frozen and I have no money. USAA said they would not mail me a check for the amount in my accounts when the fraud investigation was complete. They said that could take up to XXXX days. I told USAA that I understood keeping the money in the checking account, but did not understand why they couldn't send me the money in my XXXX savings accounts which is about {$15000.00}. 

USAA has refused to do this. I called the office of the CEO and my case number is XXXX. I do not feel that USAA has the right to hold the money in the savings accounts. I have looked at the agreement that I signed when opening the account and there is nothing in there that says anything about holding my money for up to XXXX days
Consumer complaint received 2022-12-21
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: TD BANK US HOLDING COMPANY (TX)

I locked my TD XXXX credit card in XXXX or XXXX because it was impossible to cancel the card without a phone call to their sales reps. Recently I began receiving letters from TD Card Services indicating that I have a charge and am accruing interest and late fees. I called XXXX to clear this up and dispute any charges. During that call I was told that there was a charge from XXXX. I don't know where this transaction came from and I did not authorize it. However, the XXXX number is only a payment number. They can't handle disputes. The number the rep gave me is the same XXXX number and I can't get a hold of anyone to remove this charge. The other number on their website ( XXXX ) doesn't even work. There is no way to dispute charges online. I believe TD Card Services makes the cancelling of cards and dispute resolution deliberately difficult just so they can continue to charge exorbitant fees. I'm asking for the CFPB 's help in removing any charges and fees from this card and cancelling it.
Consumer complaint received 2023-05-11
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. (PA)

I have checked over my Credit Report and Noticed some Incorrect information on it. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX in the amount of {$870.00}, 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.

these are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

Nelnet keeps sending XXXX XXXX saying that XXXX owe {$0.00} and now days XXXX  that they're saying that XXXX past due and owe a large sum of money. They also have not put XXXX  on the XXXX repayment plan that XXXX enrolled in at the XXXX Department of Education 's website XXXX  ago. 
XXXX  have copies of the XXXX  showing that they said that XXXX  owed " {$0.00} '' up until a few XXXX  ago. 
Additionally, they don't offer XXXX  options for a forbearance while we figure this out. 
Please help XXXX  get a new servicer or get this fixed.
Consumer complaint received 2023-11-27
Product: Credit 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: SYNCHRONY FINANCIAL (MA)

I was looking for a quote of carpet and moldings for the basement at Lowe 's and provided the sales woman with the sample. In XX/XX/2023 Lowe 's delivered both carpet and moldings, but neither is what I asked for nor does it near the sample I provided. I went to the local Lowe 's store and tried to solve the problem. The store manager refused to solve the problem, and became nasty when he failed to provide a signed copy of contract. 

The charge on my credit card was total {$2000.00}. I reported to the bank Synchrony for dispute and requested for an investigation multiple times. The bank denied dispute multiple times but failed to provide evidence to support its conclusion.
Consumer complaint received 2022-12-20
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (MO)

The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (CO)

On XXXX, we contact XXXX XXXX ( XXXX XXXX about a purchase made directly with XXXX. After nearly a month of fighting with XXXX to fix our washer and dryer due to an install issue it still goes unresolved. At the time we asked for a billing dispute and advised we have case numbers and email thread with proof we have been trying to resolve this. We have receive no communication from TD Bank other then we will need to continue to make payments on the disputed amount till the issue is resolved. On XXXX, we called TD Bank for an update and received the info that the dispute had been resolved in the favor of XXXX as we never contacted their support.

Yet have multiple case numbers dating back prior to the date of the dispute. 

XXXX XXXX XXXX : XXXX ( no follow up from XXXX or their install company ) opened on XX/XX/2023. 

XXXX XXXX : XXXX opened XX/XX/2023 So TD Banks billing dispute statements are false they state we never contacted XXXX support however we have multiple times. Before the dispute was filed. 

We feel that TD Bank is not acting in the best interest of their customer and acting in the best interest of their finance partner XXXX as they have not reached out asking for additional information or even provided follow up without our engagement. 

To date we have had a tech come out find that it was an installation issue that needs to be fixed by the installation company which was hired and supplied as part of the original sales agreement with XXXX. This has not happened and we can not get XXXX to honor their part of the contract.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

This is not a duplicate complaint, I'm sending this complaint because of fraud activity on my report. Please note, that I'm not using any third party for this matter, I represent myself by myself. 
I pulled my report and discovered there several hard inquires that are result of fraud. These items are not a XXXX XXXX but fraud items. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
I have filed FTC report for this matter and I have included to this package. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of my DL, SSN, and proof of address.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, regarding the Alleged Credit Card Receivables Account.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, Equifax and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted Equifax numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to XXXX XXXX at Equifax Fraud Department today. I spoke to Equifax last time on XX/XX/2023, Equifax have promised me to fix the errors on the credit profile, yet they did not correct all of the information. Instead they choose to put information which does not belong to me, this has decreased my credit score by XXXX points since the last update. 

I called Equifax this morning and spoke to XXXX XXXX and explained him the issue. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. I did speak to Manager/Supervisor, after XXXX minutes on the call, the call was disconnected. 

I was a victim of an identity theft, this was explained to Equifax in XXXX XXXX, 2023 and also sent them paperwork to this affect. Yet Equifax choose not to correct any if the inaccurate information. Ironically Equifax even closed my online disputes from XX/XX/XXXX and XX/XX/2023 without correcting the information. This is causing a lot of stress on my financially and mentally.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX  credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WY)

This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely, XXXX XXXX
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NV)

Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity
Consumer complaint received 2023-01-05
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

I searched on line for Bank offering bonus to open checking account and Key Bank was offering {$300.00}. I tried to open on line using codes XXXX, expired, then XXXX which said I would have to go Bank to process. I did that XX/XX/2019. Spoke to XXXX XXXX. I asked her if I met qualifications for the bonus, and she said " yes ''. Since opening the account I have checked my balance regularly hoping to see the bonus amount. I checked in with the customer service around XX/XX/XXXX and they said it COULD take up to 90 days. On XX/XX/XXXX, I called customer service and they advised me that my account was NOT opened with a bonus offer!!! On XX/XX/XXXX, I went to the bank, spoke to XXXX XXXX, he said there was nothing he could do but would let XXXX ( the manager ) know. I expressed my disappointment, said this sounded like a bait and switch, and the bonus was why I was opening the account. I also said that I liked the friendliness of the people there. I told him I was going to do all I could to fix this. He, very non shalontly ( sp ), said basically nothing could be done. So, I left. I intend to try to speak with XXXX, but I left my number with him for her and haven't heard from her. If this isn't fixed, I have to say their advertising online is deceiving and fraudulent. It should be changed if not true. I am anxiously awaiting for your response and I thank you in advance.
Consumer complaint received 2023-05-11
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: Rocket Mortgage, LLC (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX