davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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: DISCOVER BANK (CO)

i purchased an air soft gun through XXXX  on XX/XX/XXXX, the gun was defective when i did receive it weeks later, I emailed seller on XX/XX/XXXX. I have tried resolving this with Discover since seller wouldn't respond. XXXX states they will not investigate since I filed complaint with Discover 1st since XXXX could not be reached. The seller refuses to respond to XXXX as well and quit responding to me XX/XX/XXXX. Discover charged back the card without notification and/or allowing me to supply my documents for this dispute. This is and was a defective airgun. XXXX only offered {$50.00} inconvenience credit then {$100.00} on XX/XX/XXXX. I advised XXXX rep XXXX, on XX/XX/XXXX I want my entire {$150.00} and she stated since Discover charged back the amt they have the final say and refuse to investigate AT ALL since my bank investigated. You can see where XXXX emailed the seller and NEVER ONCE RESPONDED. I advised them i would return the product but dont feel I should pay for shipping since they sent me the product defective. They didn't respond after that XXXX XXXX XXXX. 
Dispute Case ID : XXXX Transaction Amount : {$150.00} USD Dispute Amount : {$150.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-06-30
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. (OH)

I have sent numerous dispute letters to Equifax regarding a XXXX credit card account reporting on my credit profile. I sent a certified letter requesting Equifax 's method of verifying and investigating the account with no response. Disputes are opened and then closed within a few days with no explanations. I spoke to a representative and a supervisor from Equifax and they stated a thorough investigation was not conducted except sending the letter through XXXX The information that was returned was an address associated with the account that I am unfamiliar with and have never resided at along with other information that did not match my credit file nor belong to me. I immediately filed an FTC report for fraud once I learned of the information and filed another dispute with Equifax. This account STILL remains on my credit profile when it should have been deleted. Equifax failed to conduct a proper and thorough investigation as requested for this account. This has continued to have negative effects on my credit profile from their negligence in looking into the matter.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-14
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-29
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. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-05-13
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 XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OR)

I am a couple days late on my credit card account and commenity bank are calling me 6 times a day. When I called to ask them to stop calling me an abusive amount of times, they told me they can call me 7 times a day, which is illegal. They were unwilling to call me less than
Consumer complaint received 2022-05-13
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)

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Experian XXXX, XXXX
Consumer complaint received 2019-04-29
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: Certified Credit Reporting, Inc. (UT)

I went onto XXXX XXXX and saw that there was a hard inquiry on my credit, one I did not agree to. It was done by " XXXX XXXXXXXX XXXX '' in XXXX CA. I did not agree to this and have not contacted them, many co paints about this company were found online when I tried to look up what it is. It states that they inquired on XX/XX/2017 but I haven't applied for any kind of credit in at least 3 years.
Consumer complaint received 2022-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation (PA)

Received a notice of judgment to be filed against me if I dont pay a student loan that is in the hands of National collegated Student Loan trust. Ive learned that I never received proof that I took this loan out and have no idea from who but they have my information. I was forced to pay after the sheriffs office came to my home with papers stating I owe this debt. This was in XXXX of 2021
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (MD)

A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (WI)

My name is XXXX XXXX, a federally protected consumer, Im making this complaint against AARGON COLLECTION AGENCY for committing identity theft. I have NEVER given AARGON COLLECTION AGENCY any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have NEVER received any type of documentation requesting validation from AARGON COLLECTION AGENCY what so ever before they committed multiple violations under the FCRA and the FDCPA. Aargon Collection Agency is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If AARGON COLLECTION AGENCY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AARGON COLLECTION AGENCY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AARGON COLLECTION AGENCY continues its collection efforts, I will file for litigation for actual damages caused and AARGON COLLECTION AGENCY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I was charged well over {$1500.00} in bank overdraft fees by Wells Fargo from XXXX - XXXX. I signed up for the class action against Wells Fargo some time ago, but I have not heard from anyone regarding the settlement which was reached. Wells Fargo held back my deposits until after they would present withdrawals to my account even if I deposited cash at the bank at opening time, by midnight they would charge my account all the withrawals & overdraft fees, and then post my deposits AFTERWARDS. This made my account go into a negative balance each time they did this, thus causing many presentments to my account to be charged or returned as NSF causing mer to incur charges to the persons I wrote the check to. 
This caused me to receive countless overdraft fees well in excess of {$1500.00}. 

I would like to receive my compensation for their fradulent behavior. It created undue hardship for me at the time. It was a very serious problem that I tried to work out with them directly back then, but it always fell on deaf ears. 

I greatly appreciate whatever help you can provide for me in this regard. 

My address at the time was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed acct ending in XXXX 2 times by transunion about 3 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX listed on the acct and missing payment information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I provided billing information and payments made directly from creditors website but transunion keep stating in the dispute that all the payment information is correct and verified. 

Here is 1 expample the acct ending in XXXX show late payment for XX/XX/2022, i provided payment history from credit website showing XX/XX/XXXX a payment of XXXX was made, but transunion returns last 2 disputes again saying everything from the acct is verfied and accurate. 
At this point i dont actually believe any human is reading these disputes or verifying anything using the documentation that is being provided. 

At this point i want this acct removed from my credit file because of the amount of errors and transunion ignoring the document proof showing inaccuracies for the acct in question.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted a dispute letter to Equifax on MY behalf regarding a debt they have placed on my credit report. I have asked them the following : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 
Information in dispute : XXXX XXXX Acct. # - XXXX Amt. {$93.00} Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (CA)

Hello 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 account XXXX XXXX XXXX XXXX XXXX I have my pink XXXX I paid them ( 3 ) XXXX/ XXXX XXXX XXXX account 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 stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-13
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-19
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IL)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-05-13
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. (PA)

When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquires the i need deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible.
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I have a medical bills on my credit report who was already paid by my insurance. I received calls from collection agency with treated and rudeness. I never received any final bill from any office to paid just received calls and find out when I check my credit reports.
Consumer complaint received 2021-11-10
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)

XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (CA)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

XXXX5 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 2023-03-17
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: Maximus Federal Services, Inc. (MI)

Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.