davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (TN)

I have a prepaid card from Netspend that was never activated. However, the card still has an active date. I can not activate the card because the company says that it belongs to someone else. I have the original packaging, the store receipt, the physical card, and an approval/authorization number printed at point of sale. I've spent several hours on the phone with multiple representatives. Each has dumped me into an automated system after I described the problem. The last representative stated that they could not help me. 
After multiple requests for supervisors and/or supervisor 's employee numbers, the representatives would terminate the call without warning. 
In summary, cash was spent on a prepaid card but the card was not activated immediately. The card has a printed expiration of XXXX. I have all necessary paperwork and the physical card. The company refuses to mitigate the problem despite receiving the funds ( prepaid ). The company refused supervisory information at my request. The automated system states that the card number is not valid.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

These companies are using false deceptive unconscionable and misleading means in collection of a debt. Resurgent, LVNV Funding LLC, & XXXX XXXX are all consistently harassing me about a debt that does not belong to me nor has been properly validated. I have asked them to CEASE & Desist all communication on ALL mediums including to any non-affiliated third parties in collection to this alleged debt. Verify the debt provide validation and proof that I am LEGALLY OBLIGATED to pay them. Provide evidence for their authorization under the Fair Debt Collection Practice Act in this alleged matter. They have not. There is no agreement. I am declining any attempts by any other collection agencies in regard to this matter. Stop harassing me!!
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

KIA repossessed my car this morning @ XXXX on XX/XX/2022. I been on the phone with them since XXXX. I have kept in contact with them about my situations.. Ive had one request that has yet to be full filled. But the representative ( XXXX ) tells me I cant get my car back due to lack of residence but your able to find my car anywhere. I stated to XXXX the Representative I live in a XXXX XXXX XXXX & theres no physical address.. That address is confidential because you could be or know my assailant.. So I gave him the address where my mail goes.. He tells me.. Thats not good enough. Really! I asked XXXX how much I need to pay.. I have yet to get an answer. I want to speak to a manager he tells me 72 hrs is the window frame of one calling me back. So I asked him can I talk to the person who denied my request for my lack or residency. He said yes up to 72 hours XXXX call you back.. Wow! I need HELP, ANSWERS, & RESULTS!
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (PA)

This account was on my credit, which the original amount reported was incorrect. I disputed with Nordstrom and XXXX later. I will not pay incorrect amounts. So I let it sit the required time to automatically be removed. It's now past exact XXXX ( XXXX ) and should come off my report and hasn't. Cant get to anyone at either company to request removal. Please have it removed from any report based on XXXX law.
Consumer complaint received 2022-07-15
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. (IL)

XXXX  XXXX  XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (WI)

On XX/XX/XXXX I received a phone call from XXXX stating that process service dispatch was going to put a lien on my house if my unpaid debt from XXXX was not paid. I responded that I dont remember taking a loan out at that time but that if I have old debt, I would pay it. They assigned case # XXXX. 
They sent me an email from XXXX asking me to sign a mediation agreement. The letter in the attachment was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ph : XXXX I could not find this company on the internet. 
The letter stated that the debt was {$4300.00} and they want {$2700.00} to settle. Navy Federal Credit Union was the debtor. 
XXXX XXXX, Senior Mediation Specialist signed the letter. 
I attempted to call the bank to see if this amount was owed. I attempted to call XXXX back to ask questions about the debt, and they transferred me to a woman that said do you think we work out of a garage? Good luck in court. I attempted to call XXXX XXXX back and received voicemail.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

This company reported an account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2023-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I'm a victim of identity theft. Somebody opened a checking account in XXXX XXXX  XXXX. ( XXXX  ) on XX/XX/2023 with my name and personal information without my consent or approval. They transfer money ( {$9100.00} ) from my personal savings bank Citibank to XXXX XXXX  by an online transaction ( ACH ). I called CITIBANK AND PLACE A STOP PAYMENT AND REPORT FRAUD. After their investigation, they still didn't return my money back to my savings account. I need to secure my personal information and credit report that I could be victim of these criminals. Please HELP ME to protect and make safe my credit report by securing my individual personal information. I need to block my credit to prevent being a victim of other crimes in the future. 
Attached you can find POLICE REPORT, DEBIT CARD AND CHECKING INFORMATION OF XXXX XXXX NEVER OPENED WITH MY CONSENT Citibank report investigation
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus XXXX, TransUnion, XXXX filed a report via XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (NJ)

Hello, I have XXXX Items that do not belong to me on all three of my Credit Reports ( Experian, XXXX, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. 

Over a month ago I sent certified letters to all three bureaus ( Experian, XXXX, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 

1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( Experia, XXXX, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? 

XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX  XXXX, XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. 

Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. 

I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/, I wrote a check against my Citibank , N.A . checking account to pay XXXX XXXX XXXX XXXX XXXX the sum of {$160.00}. Late in the evening of XX/XX/, I discovered that this check had been materially altered to be made payable to someone named XXXX XXXX and the amount payable increased to {$8900.00}. That evening I called Citibank to alert them of this problem. They promptly sent me a XXXX of XXXX XXXX XXXX to complete and I immediately completed the form and emailed it to the designated Citibank department at around XXXX. on XX/XX/XXXX. 
I learned just yesterday that although the check had only been posted to my account on XX/XX/XXXX, Citibank has only attempted to make a late return of the item to the bank of deposit, XXXX XXXX, and that it might take up to 65 days for XXXX XXXX to investigate and resolve this matter, and that until then nothing could be done with respect to my claim. This delay seems to be wholly inappropriate and abusive. It is readily apparent from looking at the check that it was wrongfully and improperly altered and there is no legitimate business reason for delaying the acceptance of my claim.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a XXXX XXXX Account showing a XXXX XXXX amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Phone number called me several times a day over a period of weeks but i never answered and when I finally did, there was no mention that they were a debt collector. I asked her what 'portfolio recovery does and why they keep calling me ' and she refused to answer unless I confirmed my identity.
Consumer complaint received 2023-04-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

Leased a car from American Car Center, that processed the sales person lied about the purchase and never told me I was leasing. Company closed and sent to XXXX, and XXXX will not honor warranty and car is not working.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a XXXX XXXX Account showing a XXXX XXXX amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.
Consumer complaint received 2022-07-15
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-15
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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
Consumer complaint received 2022-07-15
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. (GA)

I have made numerous complaints about this XXXX charge-off account with no real assistance from XXXX other than some mailed statements. 

XXXX has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and Equifax are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.
Consumer complaint received 2022-07-15
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: DISCOVER BANK (GA)

I have made numerous complaints about this Discover charge-off account with no real assistance from Discover other than some mailed statements. 

Discover has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and XXXX are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.