davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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 (PA)

I am a victim of identity theft. A discover credit card was open using my name and personal information, at no time did I have or apply for a Discover Credit Card. I Immeaditaly notified the credit reporting agencies and Discover bank when I notice this fraudulent account. Numerous of times I have disputed this fraud account and wrote letters requesting that all documents, such as credit application transactions and activity related to this account be sent to me. I have filed a police report with the XXXX Police Department DC # XXXX and also the federal trade commission. I have taken all steps to correct this fraudulent account and I am still requesting that Discover send me those documents.This fraud account needs to be corrected at no time did I open this account and it is against the law to report fraudulent activity that does not belong to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$31.00}, XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been charged overdraft fee in excess of what needs to be charged. 
I had a balance of {$1100.00} on XX/XX/XXXX. 
$ XXXX=-XXXX ( Debit ) XXXX ( Balance ) - {$1100.00} - XXXX ( Debit ) XXXX {$1100.00} XXXX ( Debit ) XXXX {$1000.00} XXXX ( Debit ) XXXX $ XXXX ( Debit ) XXXX ( Balance ) Then on XX/XX/XXXX1. {$560.00} XXXX ( Debit ) = $ XXXX XX/XX/XXXX 2. - {$110.00} ( Debit ) 3. - {$150.00} ( Debit ) XX/XX/XXXX: Mobile deposit = {$1000.00} Mobile deposit = {$61.00} XX/XX/XXXX = $ XXXX I had a total of 3 overdraft during this time and i should have been charged an overdraft fee of {$37.00} X3 = {$110.00}. But I have been billed an overall overdraft fee of {$180.00}. 
Thanks
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I have tried unsuccessfully to get an item removed from my credit report. It is a debt that originally came from XXXX XXXX for cable service. The amount of the alleged debt is {$140.00}. I had a service contract with XXXX XXXX for cable but became dissatisfied when they were bought or acquired by XXXX XXXX XXXX. I called to end my service and was told I would have to pay the amount of {$140.00} even though my original contract was with XXXX XXXX and not XXXX XXXX XXXX. My service with the company ended sometime at the end of XXXX. I believe it was XX/XX/XXXX or XX/XX/XXXX.XXXX XXXX  XXXX then sent my  account to collections within a year of my service ending. It showed up on my credit report and I did not dispute it. That debt has since been sold to several other debt collection agencies and the info listed was not correct so I disputed it with XXXX XXXX and XXXX XXXX determined it was not accurate and it was removed from my credit report twice by XXXX XXXX from two separate collection agencies. Now it has been sold again to the debt collection agency " I C System ''. 

The account was opened with them in XX/XX/XXXX. I have called IC System and requested information on that debt because the dates are invalid. I contacted them on or about XX/XX/XXXX as well as on or about XX/XX/XXXX. I have yet to receive any sort of documentation from IC System. I also disputed this debt with XXXX XXXX twice and was told they verified the debt was accurate. I asked XXXX XXXX to send me the original contract and all of my payment history because this is not accurate at all. I am currently awaiting an answer from XXXX XXXX. The investigation was supposed to be finished on XX/XX/XXXX but it is still under investigation over two months after I filed the dispute. It is clear that the debt collection agencies are reselling this debt from XX/XX/XXXX when it gets removed from my credit report and then the new agency that buys the account is listing the account as new when it is an account that is nearing it's statute of limitations. This is fraud. You can not keep a collection account on a credit report by changing the dates to show it as a new account. I have done my due diligence in requesting from both XXXX XXXX as well as IC System to send me the original contract as well as my payment history. If neither company can provide me with my requested information, then they can not prove that it is a valid debt. I would also like to know how XXXX XXXX determined this debt to be accurate when they did their first investigation in XXXX XXXX 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: EQUIFAX, INC. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00}
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} CB XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (VA)

On or about XX/XX/2019 I ordered a vacuum cleaner from XXXX XXXX XXXX, XXXX XXXX XXXX wi XXXX through there preapproved creit catalog, I was very displeased with it and returned it to them by mail with the postal stamp that came with it, One week later they started phoneing me and sending me a bill for {$7.00} which now is & XXXX .... This has been going on well over 8months, I have contacted them many times to tell them that I am not send them money I donot owe, they continue to send me threating bills and phone calls, I have reported this to the XXXX as well, please help me to stop this harassment for happening on a weekly basices. 

SINCERLY YOURS, MR , XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

When checking my mail after a couple of weeks I received a debt card, statement, and a letter of overdraft for insufficient funds transferred online using an account opened in my name with my social security number. 
Bank : TD Bank Opened approximately : XX/XX/2022. 
Letter of overdraft sent : XX/XX/2022 Amount of : {$30.00} for posted items presented for payment on XX/XX/2022 at XXXX for a transfer to XXXX? 
I called TD Bank 's fraud department right away this morning, XX/XX/2022 at XXXX, and they closed the account. They are also sending it out to be investigated. 
They have stated that I have been a victim of identity theft and gave me the numbers for XXXX XXXX XXXX  the FTC, and Social Security to have my S.S # blocked. 
I have also called XXXX, after speaking with TD Bank, to have a lock on all three reporting agencies with extra security on anything that may hit my social security number again. This is good for 1 yr. 
When your office opens, I will be calling the Social Security number given to have my social locked.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

I am having a problem with an unsecured debt held through XXXX XXXX XXXX   and hence sold/transferred to collections held by Pollack & Rosen P.A. out of XXXX XXXX, FL. 
The account was originally disputed by myself for charging that is not in accordance with my understood payment schedule and other unauthored/unknown charges including and not limited to late fees. 

I challenged the matter with XXXX XXXX on more than 5 consecutive occasions and also via the CRA 's ( XXXX, XXXX and XXXX ) and the company never validated or documented the debts, instead it sold the collection to Pollack & Rosen P.A. 

I likewise contacted P & R P.A. and made my case clear that I had not once been notified or provided the results of an investigation in compliance with FDCPA and FCRA laws. 
The company did not communicate with me or reply to my query. 

This week I received a solicitation from an Attorney trying to sell me services to defend against the lawsuit. I conducted a search at the clerk of courts and have found no such lawsuit. I called the attorney and they told me the data in filed. Yet I have not been informed in any manner by P & R P.A. 

I consider this an underhanded and illegal attempt to collect upon a challenged unsecured debt. I am asking the CFPB to help mediate this situation.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TBOM/ASPIRE XXXX Balance : {$220.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXX Balance : {$31.00}, XXXX XXXX  ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Debt Agency (OH)

I was on a payment plan, paying on time every month. My refund was snatched from me XX/XX/2018 without me knowing I was never sent out a letter or told that my income would be garnished. I called the bureau of fiscal services, and was told my offset was ok and I was ok to file my taxes for the year. Well, I file and student loans took my entire refund and didn't sent me out any letters, e-mails, or phone call. I am a single mother of XXXX, I am about to be evicted, cars repossessed, ect. I need immediate help Please and thank you.
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXXXXXX Balance XXXX {$0.00}
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: Experian Information Solutions Inc. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} CB XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Profit Services Group (GA)

I was first contacted by Profit Services Group on XX/XX/2021, at XXXX am. I sent a letter asking the company to validate the debt on Thursday, XX/XX/2021. On that same day, I received a letter with a claim of the alleged debt and a summary of the debt. 

Thursday, XX/XX/2021, I received a letter responding to my request for validation. I do not feel like the company validated the debt so I sent a letter asking the company again to please validate the debt by providing me : Proof of their right to own/collect the alleged debt, the balance claimed including fees, interest, and penalties plus a contract bearing my signature. 

Thursday, XX/XX/2021, I received the same letter and summary. Wednesday, XX/XX/2021, I sent a letter to the company to inform them that I am going to file a complaint against the company. 

Not only have the company not provided the validation needed to collect the alleged debt, but I was also contacted via phone after requesting them not to.
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; Medical XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}