davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (PA)

XXXX XXXX LAST SS # XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Balance {$100.00} Opened XX/XX/XXXX XXXX Balance {$3600.00} Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9900.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (WA)

I opened a Discover online banking account with a bonus offer ( up to 200 USDs ). However, after I deposited XXXX USDs from my XXXX XXXX check, my account was suspended without telling my any concrete reason. 

Then I called Discover banking customer service twice to reactive my account. However, I was told that my account was closed ( instead of suspended! ) and they could not tell me the reason. 

What is worse, I tried to open the online banking account again. However, I found that I could not use any bonus offer code this time because the system indicated that I opened a similar account before ( though this account has been closed by Discover ).
Consumer complaint received 2020-03-31
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. (TX)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express bluebird card. XX/XX/XXXX some how money got transferred to another account. They took XXXX that I got from my tax refund. I need help ASAP I have to pay bills take care me and daughter. The girl email and named shows on the transfer on my account. I checked XXXX took contact her she wrote a post basically saying that she had money and not sending it back. I HAVE PROOF THIS MONEY WAS IN MY SAVING I NEVERED MADE A TRANSCTION TO HER PLEASE HELP ME AND MY DAUGHTER!!!
Consumer complaint received 2020-03-31
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. (FL)

SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-31
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. (FL)

SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (PA)

On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options.
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AE)

Called the debt collection company Jefferson Capital System about a debt that showed up on my credit report for {$3800.00} on XXXX XXXX XXXX. Company uses an automatic service, reach a fraud representative who asked for my last four of my social and address. I was told my debt was sent to another company. I was giving the phone number ( XXXX ) XXXX which is not a working number. Something isnt right about this and its effecting my credit. Now the other collection company want answering any of my questions.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company, which comes up as Portfolio Recovery on my caller ID and has many different phone numbers XXXX including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others ) has been calling me several times a week, including early mornings on weekends, and leaving no message. I finally called back and they wanted personal information from me -- they said they needed it in order to " investigate. '' I did not supply it. They are debt collectors and they obviously have the wrong number, as I do not owe anything to anyone. I have also received multiple calls throughout the day, everyday, from many different phone numbers identified only as XXXX, CA, which may be the same company ; their numbers ( all XXXX area code ) include XXXX, XXXX, XXXX, XXXX, and many others. In one instance they named a person who is not me and who I do not know, but unfortunately I don't remember the name.
Consumer complaint received 2020-03-21
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. (TN)

I am writing this due to non-compliance with the Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-31
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. (TX)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I have a mortgage account with US Bank. I have had this account for over 5 years. I have never missed a payment on this account. I have paid my mortgage on the XXXX  friday of every month for the last 65 months. Being that interest are at a all time low i decided to refinance my mortgage. While in the process of refinancing my mortgage US Bank now say that i owe them {$2100.00} in late fee 's. Of all my financial commitments over the years i have never heard of such and outrageous amount of any fees on any account. As i remember when i did the loan i remember on the application US Bank asking of my race. I really think that by me indicating that i am XXXX or XXXX XXXX that US Bank is trying to put me into a financial hardship or trying to drive me away due to my race. With todays Pandemic going on around the world and many people now experiencing financial hardships i think it should be know to the world what US Bank is doing to people. Also i would like to recommend to all others that when US Bank ask of someones race its best to not answer. If this was a legitimate amount owed what respectable financial institution would allow 65 late payments in a row unless they were trying to establish a financial hardship upon someone.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Applied for a capital one card on XX/XX/XXXX and was told to wait for a decision. XX/XX/XXXX I received a email informing me i was denied. Then Saturday XX/XX/XXXX I received the reason why. Which was they could not verify me. Which is bogus, Capital one has put Not 1 but 3 hard inquiries on my Reports in total and it is not fair. If there was a problem regarding the application, i was not contacted at all. So instead Capital one decides to deny me. Which is ridiculous because my credit is fine. I got denied but approved for a XXXX XXXX card? It doesnt make any sense.
Consumer complaint received 2020-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

I called Navient today to inquire about the Federal government extending a forbearance and 0 % to people with student loans. After sitting in the phone tree for 10 minutes, I was given an option for them to call me back. I was never called back. NOT HAPPY! 

I've already paid over 3 times the amount I borrowed and still owe over {$10000.00} and this new law would help my family very much. To have Navient not even call me back is not acceptable, especially considering how much they have made on me.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Equifax again, has reported another account out of the blew on me that doesn't belong to me. I am honestly sick of having to make these complaints with Equifax reporting false accounts over and over, and not honoring the fcra laws to verify accounts they report. Under fcra 809ab, the accounts they report should be fully verified with all the required items/documents one creditor must have to legally report info on ones report ( mine ) This account is not mine, fcra 605b and fcra 809ab are the laws this Equifax bureau is continuously to turn their cheek on. Its ashame, i need help with fighting off these random creditors allowing a id thief to open accounts in my name and giving benefits to Equifax to report this stuff, its all illegal business, unfair business practices on both the creditor and credit bureau.
Consumer complaint received 2021-06-18
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. (NC)

Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.
Consumer complaint received 2020-03-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched FRAUD CLAIM. DATE XX/XX/XXXX INVESTIGATION COMPLETION LETTER XX/XX/XXXX {$470.00} TEMPORARY CREDITS MADE PERMANET. see attatched. XX/XX/XXXX statement BALANCE {$470.00}. WHY DIDN'T THE BALANCE CHANGE?
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

the thing is my boyfriend died and he has no living relatives I am his girlfriend. I am not responsible for his credit cards. I try to tell the Harley-Davidson company for the XXXX XXXX  card that he is deceased and dead and they still keep calling me and sending me bills to pay up. I told them he died XX/XX/2020 they can look into the coroner 's office in Texas. My name is not on this credit card and I will not pay for it. 
Name of the company is XXXX XXXX  Harley-Davidson Visa. The account is under XXXX XXXX. He passed away XX/XX/2020. I have sent the company knows I'll talk to people on the phone telling him that he has deceased. I will not be harassed. The amount of the bill is {$540.00}
Consumer complaint received 2020-03-21
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. (HI)

I have requested validation from TransUnion on an item they have listed on my credit report as a collections account from a company by the name of : XXXX XXXX XXXX w/ an account # beginning in XXXX. Each time I write to TransUnion disputing this item and requesting validation they write back stating they already verified the item. So first thing is, I didnt request verification I requested validation. Second of all Ive also requested they send me the information they have in their files that validates this alleged debt, and each time they ignore that request and refuse to send me this information on MY credit file. 
On their most resent response dated XX/XX/2020, to yet another dispute and request for validation for this same item that I sent to them, they replied we previously completed an investigation of the below item and { verified } the information on your credit file. 
Now, neither XXXX or XXXX were able to validate this alleged tradeline and have since removed it from my credit file, nor has the company themselves been able to validate this debt as belonging to me and isnt paying to report it against me any longer. So I truly do not understand how TransUnion claims they are able to do something thats not even possible to do, and validate an alleged debt that doesnt belong to me! I would like TransUnion to immediately remove this from my credit file with them, or supply me with the information they state they have on file that VALIDATES this alleged debt as undoubtedly belonging to me.