davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-03-18
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. (MO)

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. XXXX XXXX XXXX
Consumer complaint received 2021-03-18
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: The Law Offices of Mitchell D. Bluhm & Associates (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed an dispute with TransUnion by mail over a charge from XXXX/XXXX. The company falsely claimed I had missed payments for several months. In their response to me TransUnion fixed the rating to ok however they did not restore my Credit Grade to the Excellent level it had been at prior to the incorrect claims of missed payments. I was able to successfully fix the error and restore my credit with the other two major credit agencies XXXX  and XXXX. 
Because the TransUnion online credit dispute does not work, I called TransUnion Monday XX/XX/2020. XXXX who I spoke with on the phone submitted a new dispute to address the failure to restore my credit rating. When I did not receive an email as he told me I would, I called TransUnion again Friday XXXX XXXX. XXXX was not able to provide me with a confirmation number or any written documentation that the dispute had been submitted to further investigate my credit ranking. They did provide me with a number to TransUnion online and the case number. I called the number and spoke with XXXX on XX/XX/2020. She however could not hear or understand me although XXXX had no issues when I spoke with him a few minutes earlier. Because I have no documentation, I am concerned that the dispute will not be addressed in a timely manner.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (TX)

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 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, 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
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-18
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: BARCLAYS BANK DELAWARE (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-18
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: BARCLAYS BANK DELAWARE (CA)

I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (PA)

I would like I.C System Inc. to kindly cease the illegal activity of trying to collect a debt within a state you are not licensed in. In the state of NJ, all collection agencies are required to be licensed within that state, under the New Jersey Consumer Finance Licensing Act, N.J.S.A.17:11C-1 ET SEQ.

I.C Systems are licensed in only 13 states and New Jersey is not one of them. 

Arizona, Connecticut, Idaho, Indiana, Maryland, Massachusetts, Nebraska, Nevada, New Mexico, North Dakota, Oregon, Rhode Island, and Wyoming
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 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 furish a account without my written instructions.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number XXXX
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/22, I tried closing my account that's associated with the email XXXX multiple times! I couldn't because it was limited ( no reason was given ). I even uploaded my driver 's license ; instead of further verification, the account permanently limited -- -there was no mismatch, for the record! I want my account closed -- -that 's all I wanted! They have no right to keep my data in their system! " Once an account is limited there is nothing we can do. '' What a disgusting company!
Consumer complaint received 2021-03-18
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. (CO)

I have been filing formal disputes with these 3 companies since XX/XX/2021 and they are violating the laws that are listed in each letter. I humble myself to be a law abiding citizen and yet the companies are bullying me and yet getting away with it. I will upload the attached letters and show you what I am speaking of. 

I am preparing for a lawsuit for {$5000.00} per company in the next 30-45 days.
Consumer complaint received 2020-03-13
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: ERC (TX)

I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX  failed to perform an actual investigation but simply mirrored what's already in their system.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/2022, I submitted a letter of Validation to the office of capital one to validate that a debt was mines. I submitted the letter, my social, and drivers licenses to prove my identity. Capital one sent me a letter stating that for them to investigate the dispute I will need to submitted the account number, my social, and a copy of my credit report ( which I don't have to due to privacy ). During the month of XXXX I submitted letters to the bureaus to also investigate this claim and which capital one was able to validate the account, Now that I am asking for proof on how they were able to validate the they want to stall out and not follow the directions I gave them in the letter I send.
Consumer complaint received 2023-02-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX AXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-01-01
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: DISCOVER BANK (NJ)

I was XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Suntrust services.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

No matter what method one tries to resolve issues they CAN NOT access the data. Nothing works! All you get are rejections. A pathetic excuse for a company who holds all ones finances in their palm! There is no way to accessones information regardless of what they propagate!!!!!!!!!
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. 

The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score.

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. 

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. 

I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc. (MI)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TransferWise Ltd ()

I HAVE A TRANSFERWISE ACCOUNT ... WEEKS AGO I PLAY ON A CASINO ONLINE BUT THEY MAKE 2 DEBITS THAT I DONT AUTHORIZATE, I REPORT TRABSFERWISE AND THEY MAKE THE REFUND BECAUSE THEY KNOW CASINO WAS TAKING ME MONEY AND I DIDNT KNOW THAT THEY WERE DUPLICATING THE DEBITS. AFTER THAT I TOLD TRANSFERWISE TO BLOCK THE CASINO BECAUSE THEY WERE STILL MAKING THE SAME. BUT TRANSFERWISE NOT BLOCK THEM SO, 2 DAYS AFTER THE CASINO MAKE ANOTHER DEBIT. I ASK TO TRANSFERWISE WHY THEY ALLOW CASINO STILL TOKE MONEY FROM ME WITHOUT I KNEW ... TRANSFERWISE SHUTDOWN MY ACCOUNT THAT IS PERSONAL AND PROFESSIONAL WITH MONEY AVAIBLE AND I NEED MY ACCOUNT ... I NEED MY MONEY ... AND I WANT THE REFUND OF THE XXXX THAT CASINO STOLE FOR ME FROM THEM.
Consumer complaint received 2022-12-31
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2023-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Commencing on or about XX/XX/XXXX XXXX  my bank account was hacked by an unknown scammer, after that I got disturbing messages saying that I have a new bank account balance with more money on it. When I went to withdraw the money I found out that I withdraw my own money there was no additional money. Scammers told me that I have to act quickly and withdraw the money. A number was then displayed on the screen of someone who could help me. I then contacted the number, and the person on the other end disguised themselves as a representative for XXXX and told me that I was hacked. I spoke with an individual, named XXXX XXXX, who manipulated and brainwashed me into believing that this was real. They used advanced technical language to confuse me and convince me that they were professionals so that when they told me that I needed to make payments to them on XXXX ATMs to stop the scammers from stealing more of my money, I believed them. 
I made multiple withdrawals, thinking I am withdrawing money someone added to my bank account, totaling around XXXX USD that I paid to the Scammers at the end from my JPMC account.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

My Venmo account was compromised as well as my email. On Sunday, XX/XX/XXXX my account was frozen and I saw an email exchange from someone trying to actively unfreeze my account. I changed all passwords and logged it out of their device. I noticed on Thursday, XX/XX/XXXX that the person who has accessed my account was attempting to change my information. I started to chat with Venmo support and they are refusing to deactivate my account.