davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (AL)

After reviewing my credit report I discovered fraudulent accounts and inquiries opened in my name. 

The following Inquiries were not done by me. 

XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX The following accounts were not done by me. 

XXXX XXXX, XXXX account number XXXX {$310.00} XXXX Account number XXXX {$360.00} XXXX XXXX Account number XXXX {$710.00} XXXX XXXX Account number XXXX {$81.00} XXXX XXXX  Account number XXXX {$380.00} XXXX Account number XXXX {$20000.00} {$14000.00}
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mutual Management Services LLC (GA)

The creditor attempted to collect a debt. I am requesting that under 609 FCRA the collection company or creditor present an original contract with my signature on it evidencing that it has a right to collect. The original contract is crucial to the creditor 's right to collect on the alleged debt. I do not owe the creditor nor do I owe the collection company the debt they are trying to collect. This is an XXXX company who under Florida law must have a signed lease evidencing whether the landlord has a right to collect up to the early termination fees or not. The creditor nor collection company has provided this information to the credit bureau nor to me. I am demanding that the collection company and the creditor cease collection on this account immediately and that it be removed from my credit. It has damaged my credit and my ability to obtain housing. Collection company is Mutual Management and the Creditor is XXXX  ( XXXX XXXX XXXX  XXXX XXXX XXXX )
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

I moved out of my last apartment XX/XX/2021, and e-mailed them to let them know I was moving out and was providing them my 60 day notice. She said thank you and it was received. Apparently within the email they said they needed it in writing. Im not exactly sure how that was enough of a notice. Its an electronic communication which is easy to provide proof. Handing them a written notice could become misplaced or lost. I emailed the debt collector company about the situation regarding the {$220.00} debt. I let them know exactly what Im telling you, they said thank you and we will reach out if any more information was needed. I never heard from them again. This is now on my credit as a derogatory remark. This is unacceptable and I will not be paying them. Please help me.
Consumer complaint received 2022-06-17
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)

It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Equifax credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX XXXXUS DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX... XXXXUS DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2022-06-17
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from Collection Bureau of America/XXXX XXXXXXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$460.00} does not relate to any transaction ( XXXX ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX XXXX XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Collection Bureau of AmericaXXXX XXXX XXXX XXXX XXXX individually and have not received any reply back
Consumer complaint received 2022-06-17
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Account XXXX has been disputed as fraudulent information is being reported, I have contacted Experian multiple times as they have failed to provide me with documentation or written verification concerning this account. Experian is reporting this account as open since XX/XX/XXXX, XXXX reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I got on some game thing on my phone. I thought they gave me {$10.00} into my account but they took {$10.00} from me without any authorization. PayPal said it was all good everything 's good to go it's not I didn't authorize the XXXX dollars to be taken out of my account PayPal should be held liable for this. They did a review and they said there's nothing unauthorized it's unauthorized if I said it wasn't supposed to come out of my pay pal account. It was a company fraudulently taking money from me and the company 's name is XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion accused me of using a credit repair company and refused to correct the incorrect data off my credit report which is a clear violation of 15 U.S. Code 1681i.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Transaction date was XXXX. The amounts of the transactions are {$4300.00} and {$270.00}. 

When I saw these charges on my statement, I immediately contacted Home Depot to dispute these charges.

Home Depot sent me a letter stating that they were conducting an investigation for these charges. I received a final letter from Home Depot letting me know that they have completed their investigation. The letter states that I am still responsible for these fraudulent charges. Not sure what went into the investigation to determine that I am still responsible for charges that I never made. 

I am writing today to continue my efforts in disputing these charges. There were no itemized items on the statement telling me what was actually charged. I dont know if these charges were purchased at the store or online. As you can see my information had been compromised. 

I am requesting that these charges be credited back to my account. I never purchased anything from Home Depot for that amount of money on that day in question. If these charges were purchased in the store, Im sure you have security cameras all over the store. If you go back to that day of the purchases and review the cameras, you will see that I was never in the store. Also, if these items were purchased on-line, where were these items shipped to?

I have been a valued customer of Home Depot for many years. I have always paid my bills on a timely basis. Please continue your review of this fraudulent charge and abate all charges and interest. 

I am concerned that this will impact on my credit rating, which is excellent.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (DC)

I have 2 bank accounts, XXXX XXXX and Chime bank account. I've been using my XXXX account for some time and was transitioning my deposits to my Chime account. I recently made 2 deposits into my Chime account one for {$92.00} on XX/XX/XXXX and another for {$30.00} on XX/XX/XXXX of XXXX My direct deposit for {$1200.00} was supposed to be deposited on XX/XX/XXXX, so when I call XXXX to check my deposit for the {$1200.00} they claimed they sent the money out, but Chime claims they never received it. 

On XX/XX/year> Chime closed my account without notice while I had a pending deposit for the {$1200.00} set for XX/XX/XXXX. I didn't find out until XX/XX/XXXX to inquire why my account was closed and for them to open my account immediately. I requested a transaction history for my {$1200.00}, in which Chime claim they never received and XXXX is claiming Chime must have kept the money because it was never returned. Right now, XXXX is telling me that I would have to go without my XXXX payment, unless Chime Bank returns my monthly payment. As of now, I believe Chime has stolen my XXXX payment for the month where I can't pay my bills due to their negligence.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

On XX/XX/24, Chime deducted {$450.00} from my account, for a " Web Upgrade ''. They will provide no information regarding this bizarre charge, and when I attempted to dispute it has fraudulent, they told me I can not report fraudulent charges, and forced me to close my account instead. They've stolen XXXX from me, and will not allow me any form of recourse.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX  and XXXX XXXX  XXXX XX/XX/, 2021 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 2024-03-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (DC)

UFB direct is paying a lower interest rate on my high yield savings account than they advertise and offer to new customers. They're paying interest at XXXX percent when they claim you can earn up to XXXX percent. It's my fault for not checking more closely but these practices seem deceitful. I would have closed the account long before had UFB Direct been clearer in setting expectations.
Consumer complaint received 2022-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Consumer complaint received 2022-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Consumer complaint received 2022-06-16
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: CBC Companies, Inc. (FL)

XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a secure car with U.S. Bank. I had one, and when it was closed, they apply the secure amount immediately to the balance, and send me the rest, even though somebody stole my money, and they never gave me credit for it. 
No, I had the same thing they close my account three months ago without letting me know XXXX was the one that let me know. I made a claim because I had unauthorized charges. I called them three times they ignore me. Finally they made a claim and added charges that I told them from the first time, and all the time they were recurring, and those were mine, they reverse the claim before they put in the claim now after 50 times of sending letters and calling them being on the phone for two hours. They will not apply the secure amount to the credit card and send me the rest. Instead they keep adding financial charges late charges they wont apply it they never, the unauthorized charges as it says on Visa law I am not responsible for unauthorized charges. It is them that they put in the claim wrong three times recurring charges and they keep adding charges ignoring me and even though they have the money sitting there, they will not want to apply, why they dont apply it they did the first time on the other credit card this time it is small credit card and they just keep adding charges to authorize charges. I want my money back and clear my credit report of lies.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY (PA)

Contacted TD Card Services customer support at XXXX on Monday XX/XX/2024. Explained to representative that I had received a letter explaining that if I could not make a payment, I could speak with a representative to discuss payment options. I was transferred to collections XXXX. I spoke with a representative who said they would call back to discuss options. A call was received at XXXX. No message was left from the representative. Tuesday, XXXX XXXX. I contacted TD Bank, explaining my situation and wanted to follow up since I did receive a callback without a message. I was transferred more than 4 times and placed on hold. The hold was over 15 minutes. When I did get through to a representative, the line went blank and the call was dropped. The call was timed at 24 minutes. To be dropped was just inconsiderate and cruel. I want to modify my payment agreement and pay this balance off. Any assistance would be appreciated.
Consumer complaint received 2022-06-16
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. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account XXXX : XXXX 2. ) Account XXXX : XXXX, Account XXXX : XXXX 3. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 an account without my written instructions