davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Airtm Inc. (MA)

Sir, i have an account on Airtm in which i have a balance of XXXX USD and i wanted to withdraw it. Then later at the time of withdrawal i was asked to verify my account by XXXX XXXX XXXX. I provided my valid country ID card with full information. But still my account was not verified and i received an email of verification rejection and there was no another chance to verify. I wrote to their support on XXXX XXXX and today XXXX XXXX each day i send them email and the gave same answer of sorry, we are looking into it. Sir i am in need of money for my household expenses please look into this matter. i have almost 50 emails conversation with the platform but without any solution
Consumer complaint received 2023-05-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MO)

On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. 

On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. 

XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on 10/27/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit report immediately. I am attaching proof that I was a victim and Equifax has done nothing to resolve this issue
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc. (CA)

On XXXX the XXXX, 2020, I received a phone call from thee number XXXX. I asked what it was in regards to and they refused to answer. I asked what company she was calling from and she mumbled it out. She refused to spell it to me. I asked what kind of company it was and she refused to tell me without giving her my name. I had withheld my name at that point. I asked her again and I told her that the FCC laws ask that she disclosed this information to me or it could be construed as an unsolicited call. At this point it was an unsolicited call because she did not tell me who she was or why she was calling or what kind of company she was calling from. She refused to tell me anything until I verified whether I was or was not who I am. The name of the company was FH Cann And Associates. I called the party back and I requested this information once more and she hung up on me. Her name is XXXX. They called me earlier this month several times under different spoofed numbers. I have told them every time that I'm not giving my name out until I know why they are calling and they keep hanging up. And goes back to the same people. I have finally got the name so I thought I would report it today as this is an illegal practice. To this very 2nd, I have 0 idea why they would be contacting me. Nobody will tell me. I am in hopes that they will stop harassing me. I would like to be able to answer my phone and not be harassed. I've had at least 4 calls over the past week from unsolicited agencies, probably all this one.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My bank is XXXX XXXX XXXX. On XX/XX/XXXX, I went online to request a USPS change of address. As expected I was asked to put my card details to be charged {$1.00}. Few minutes after I realized I got charged {$99.00} instead of {$1.00}. I went back online and found out I got scammed on a fraudulent website imitating the USPS website. I called my bank same time to dispute the transaction. I got a credit the following week. I received an email asking for documentation. I submitted a statement as a reply to the email. On XXXX, XXXX I realized the credit they had given me got reversed without any communication to me via email, phone or mail. I called multiple times to find out why and to ask for a resolution but on multiple occasions whoever I speak with tells me different story and hang up the phone on me. The name of the transaction was CHANGEOF MY MAILADDRES. The incorrect spelling is enough proof that its indeed a scam. Also everyone in the US know USPS dont charge {$99.00} to change address. I explained all this in details in my statement but they still rejected my claim without any communication. They rather asking for a correct receipt from USPS when I cant provide that since the transaction wasnt with USPS but a fraudulent website
Consumer complaint received 2020-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Approximately XXXXI received this loan through XXXX  XXXX back and returned it. Over the years I went to school and didn't realize this was a loan that was added into my other loans that I returned. I never went to the school. I filled for bankruptcy in hopes all my bills along with " it '' would go away shortly after bankruptcy was settled AES began contacting me again, Now attempting to purchase a home I was advised there was nothing I could do and to just pay it as I did. Now I am being told that this company XXXX XXXX XXXX has had several law suites. I have called and received no help or feedback. and I am looking to be relived of this debt I never used or went to school for. I can prove I never went to the school associated with this loan and attended school where I received financial aid over four years later. HELP
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MD)

I am currently working on trying to fix my credit and take care if debts if I owe.I Contact Penn Credit ( collection agency ) to dispute inaccurate information amount wasn't aware of this bill. XXXX XXXX XXXX XXXX send paper work which I requested and what they sent was not a bill, I contact Penn Credit on XX/XX/XXXX they sent back paper work which they couldn't understand, So they contact XXXX XXXX XXXX to send them something concrete and they keep sending back same information.Would like this remove from my credit report, it's been almost 60 days and no results
Consumer complaint received 2024-02-23
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy - Federal - XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-05-24
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)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (IN)

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with Equifax credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely Equifax, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to  investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Consumer complaint received 2017-05-17
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: CITIBANK, N.A. (NY)

on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.
Consumer complaint received 2022-12-27
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. (IN)

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and Transunion. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Consumer complaint received 2020-01-07
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)

My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.
Consumer complaint received 2022-12-27
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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!
Consumer complaint received 2019-02-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (FL)

Caliber Homes Loans ( XXXX XXXX ) is trying to collect on a debt that has been charge off, while debt was still being paid on auto pay, with out having the complete file they claimed was transfer they have start foreclose without sending, breach, acceleration, nothing. 

My mother had credit insurance on the mortgage that was filed in Official Land records of XXXX County. with no corrective or any paperwork to prove there claim that she did not have it. after finding out that a trust ( XXXX XXXX XXXX XXXX  ) is  not an actual bank, but a trust with no documents. refuse to supply information requested. 

Asking for Validation. as the records in the county do not support what they are claiming as investors.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NC)

On XXXX I requested a background check and when I got it back, it says that I got my license XXXX  in XX/XX/2014 because of a XXXX, when I really got my license XXXX  for 30 days because I was doing 16 over the speed limit with a limited license. They XXXX  my account for this
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

Account Details Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3500.00} High Balance {$3500.00}
Consumer complaint received 2022-12-27
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 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!