davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (FL)

THIS SO CALLED " ATTORNEY FIRM PROCEEDING DEPT '' XXXX IS RUNNING A SCAM OR FRAUD CALLING PEOPLE ABOUT OLD DEBTS ON THEIR OFFICE DEPOT ( IN MY CASE ) CREDIT CARD ( OR OTHER CREDIT CARDS ) THAT HAVE BEEN ALREADY DISCHARGED IN BANKRUPTCY COURT YEARS AGO ( MY CASE IN XX/XX/2013 ). 
THEY START BY ASKING ME MY NAME AND LAST 4 OF SS NUMBER AND THEN THEY SAY I HAVE AN OUTSTANDING DEBT OF {$3600.00} OR SO ( THE SAME AMOUNT THAT WAS DISCHARGED IN COURT ) AND THEY ARE DOING PROCEEDINGS TO COLLECT IT AND THREATENING TO TAKE ME TO COURT. 
I HAVE ALL PROOF THAT THAT DEBT WAS DISCHARGED AND THEY KNOW IT BUT THEY ARE FRAUDULENTLY TRYING TO COLLECT IT DESPITE THE DISCHARGE TRYING TO CONFUSE YOU INTO THINKING THE DEBT WAS NEVER DISCHARGED. 
YOU SHOULD TRY TO REVERSE LOOKUP THAT PHONE NUMBER ( OR WITH THE PHONE COMPANY ) TO GET THE LOCATION OR ADDRESS OF THAT OFFICE AND NOTIFY THE STATE ATTORNEY TO ARREST THEM. THIS IS A TRUE SCAM AND FRAUD ATTEMPT TO ROB YOU OF YOUR MONEY.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

This is the second time, I've been assessed interest on a balance paid in full. The first instance was due to a system error, and a fee of {$1.00} was waived. In the second instance, I paid the full balance, but was unable to pay the amount of interest that would be assessed. When interest was assessed, I paid the interest on the day the payment was due. However, I was still assessed a late fee on a {$2.00} interest balance from a balance that had already been paid off. I called customer care and was advised that only {$15.00} could be waived. I've been a loyal customer, and never had late payments, I'm requesting the full fee of {$35.00} to be waived as a true courtesy, because I've never received a refund. I appreciate XXXX as a company, and would like to see that XXXX  values my business and time, and do what is right for the customer.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family.
Consumer complaint received 2023-07-19
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. (IN)

I have attempted to dispute an erroneous and inaccurate account on my consumer report. TransUnion did not take any action, because they claimed i was working with a third party which i am not, but even if i was they are still violating the FCRA. This has severely hurt my creditworthiness and ability to obtain credit. The inaccurate reporting has caused financial hardship and emotional stress. TrasnUnion has violated several federal laws.
Consumer complaint received 2023-07-04
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-02-22
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: GOLDMAN SACHS BANK USA (WA)

This chargeback got very confusing due to the amount of time that passed. Nonetheless, I returned both items in the Homedepot order using the prepaid XXXX  return labels that Homedepot provided for this HomeDepot Online Order # XXXX. I was given XXXX  prepaid return label from HomeDepot, XXXX tracking # XXXX. This return was delivered on XX/XX/2023 and I am still owed my full refund of {$360.00}. 

I used the prepaid return label given to me by the merchant, and the return carrier marked it delivered. The merchant has not disputed the delivery and has been unable to show any proof that i didnt follow their directions exactly and I returned the items. Goldmans Sachs erroneously decided Dispute XXXX. Because it has been more than 120 days XXXX no longer keeps the tracking online, but luckily i took a screenshot proving the return was in fact delivered successfully : ) I have attached that proof to this complaint as well. Goldmans Sachs might likely be discriminating against me because I am XXXX but i have sent them proof multiple times all items in the order were returned following merchant instructions and prepaid return label.
Consumer complaint received 2022-12-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Management Systems Inc. (TN)

After repeated threatening phone calls from Southern Mgmt Systems I asked to not be only contacted through written correspondence. I guess they didnt like that and have proceeded to contact family members divulging my personal information. XXXX XXXX, falsely told my family members that I provided their names.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting two addresses that belong to me.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (OK)

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/2023 Status : Collection account. {$8900.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$8900.00} Balance Updated : XX/XX/2023 Original Balance : {$8900.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Cavalry Portfolio Service. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this said debt is related to identity theft as i have shared over 30 data breach cases with them as well as an Identity Theft.Gov report with the incidents explained. 

At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/2023. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

I have requested validation PROOF from this collector and they have failed to provide anything, however just a written notation to the credit bureaus stating the debt is valid. They've been asked to provide the following information and have failed on 3 attempts approaching 90 days. 

-What the money Cavalry Portfolio Service says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2021-12-17
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: College Assist (TN)

I was going back over my credit report and looking at these two companies that has the same addresses and XXXX XXXX XXXX and about five different names they use which is very confusing, but they are still reporting a false account thats been deleted off my credit report three times and they keep reporting it every year and trying to get funds thats not owe to them which doesnt even exist its been deleted off my report! Ive disputed these accounts to the three credit bureaus and sent them a dispute letter as well which they never responded to me I have proof! I want this to stop being reported on there behalf because it seems to be XXXX  motivated because I have a XXXX person name I guess I really dont know Im just taking a wild guess or maybe they just are mean i dont know!
Consumer complaint received 2023-07-19
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. (GA)

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. 

XXXXXXXX XXXX XXXX with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXX  account with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX i received two checks from a estranged family member supposed to move in with us transferring money into my account. Checks were deemed fake on XX/XX/XXXX when we could not find account at XXXX XXXX checks were from. I asked the card to be stopped as on check was available activity I did not do starting with XX/XX/XXXX a XXXX transaction {$1500.00} then XX/XX/XXXX {$50.00} in XXXX CT XXXX XX/XX/XXXX {$25.00} XXXX in Delaware another XX/XX/XXXX {$14.00}. XXXX XXXX in California I owe the bank {$10.00} out of the {$1600.00}. XXXX they say I owe.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$65.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Owed : {$440.00} XXXX  XXXX XXXXXXXX Balance Owed : {$29000.00}
Consumer complaint received 2023-07-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello, I filed a complaint last Spring in regard to Portfolio Recovery a debt collection agency for XXXX XXXX Bank. Complaint # XXXX. Please see previous complaint below. 

I received a letter from Portfolio Recovery Associates that I owe XXXX for a card from XXXX. I explained that this card or one of 2 accounts is fraud, because I only had one XXXX XXXXXXXX card that I authorized and used in the amount of XXXX and I am currently paying that debt with another company, XXXX XXXX XXXXXXXX who is the Legal representative for XXXX XXXX. That amount is XXXX. I am being harassed for an acct that has not been active since XXXX, 7 years ago. I was told Portfolio Recovery sent many letters to old address that have I have not lived in years, both of which I moved due getting robbed of mail and personal BELONGINGS. Someone may have opened the account at that time without my knowledge or permission. The debt of fraud refers to acct # XXXX. 

The case was closed. I received a prior response from you all and mailed to them. The card is over XXXX XXXX XXXX. I paid a debt to another XXXX XXXXXXXX card via XXXX XXXX XXXX that I know I was responsible for. However, this company XXXX Portfolio Recovery ) has again started mailing me to pay a debt of {$5800.00}. I didn't hear from them after I mailed the results of your agency 's response. As of today XX/XX/XXXX, I am once again receiving these letters and phone calls. 

I do not feel I am responsible considering this was a fraud, I believe I was robbed at an old address as stated in the previous complaint, I have never had 2 XXXX XXXX credit cards with a XXXX limit. Also, this card has past the timeline for collection. 

Please assist in anyway as this is harassment. I will send any supporting documentation if needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I receive daily refinance offers from Capital One through email and mail. They only have a pre-qualification process and during that process thats automated that my loan amount is too high. The process will NOT allow you to actually submit your credit application if you can not get pre qualified. I spoke with someone in the escalations area and was told I can not submit an application if I dont pre qualify. I believe this is a regulatory violation as I have a right to have an application submitted and receive a decline letter.
Consumer complaint received 2023-07-19
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. (TX)

I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and Transunion - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency 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. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.