davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from XXXX  stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And XXXX. Trans Union and XXXX  sent me email notifications that the bancrupcy was valid.
Consumer complaint received 2024-04-11
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (NC)

Prior complaint closed prematurely - prior to actual completed investigation taking place. 
Facts : XXXX XXXX XXXX sent an email solicitation to me for a credit card to use on XXXX XXXX  purchases with specific terms. XX/XX/XXXX One purchase was made on card for {$5100.00} on XX/XX/XXXX - email invoice submitted that same day. No other purchases were made. 

FNBO was supplied a Billing Error Dispute on XX/XX/XXXX for a charge on XX/XX/XXXX ( trans date ). Also, the billing terms were incorrect compared to what I signed up for. and my refusal of acceptance under these different terms. The dispute was submitted by mail, via FNBO 's website billing portal, and by fax to XXXX per the billing statement. I received an email message confirming receipt on XX/XX/XXXX. A copy of the invoice was submitted with said dispute. A fax of the XXXX by merchant was later sent to FNBO on XX/XX/XXXX. 

As an aside, FNBO has stated that they are not sure what the billing error is At this time, we are unable to determine the error that occurred with the information that we have received and after viewing your account. You will need to work directly with the merchant. 
First the dispute letter speaks for itself, and the facts are clear. However, during this supposed exhaustive investigation that FNBO claims it performed, how did FNBO not request a copy of the same invoice from the merchant. FNBOs ignorance is not justification to ignore the law. Also, the merchant agreed that I refused the merchandise - and agreed to return it. What is unclear here?

FNBO has also violated the Fair Credit Billing Act and other government statues with its failure to comply with proper communication in the 30- and 60-day timeframes as stated by statue these are mandatory fines. 
Regards, XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (MD)

I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of today, XX/XX/XXXX, my XXXX and XXXX reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. 

I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I received an e-mail from PayPal that XXXX # XXXX had been accepted in the amount of {$840.00}. I have no PayPal account nor had I made an order. I called the number listed in the e-mail, XXXX XXXX XXXX to cancel the spurious order. I was connected to a man named XXXX at XXXX. First I found out that my XXXX ( formerly XXXX XXXX  XXXX ) credit card was used to fund the PayPal account and pay for a laptop. That credit card account is locked plus an old credit card number was used which expired this month. So no charges went through. He then said that a little earlier, someone used my XXXX debit card to open and fund some investment account for {$600.00}. That card had expired at the beginning of XXXX and my new debit card had a very different number. So no charges went through to my bank account. Most times when using a credit or debit card for payment, you have to enter the expiration date but apparently PayPal did not do that. 

XXXX said he would give me ( electronically ) a {$50.00} XXXX gift card because of the problems. XXXX rejected it and I let XXXX know. He said he would resend the order plus one for {$200.00}. Both of those were rejected and XXXX called me worrying that I was falling for a scam that asked for prepaid cards. This kept going on until XXXX said I would have to open a new XXXX account because my original account was basically shut down. By doing that, I lost {$30.00} in gift card value that was already stored in my account. Somehow it became an XXXX XXXX account which I had no use for. 

I spent an hour or more everyday on the phone with XXXX trying to resolved this mess. I discovered last Saturday that there was a pending charge to my bank account for {$50.00}. It wasn't until this morning, XX/XX/2022, that I found out that XXXX charged my account that amount of money. I contacted XXXX and he said he would refund that money. However, then a charge for a XXXX card and account appeared in my bank account. I also got an e-mail that PayPal had ordered a 1 year subscription to XXXX XXXX XXXX using a company called XXXX XXXX for {$99.00}. I have no interest in that service and certainly didn't order it. Instead of anything being resolved, the mess just keeps growing. Last week, XXXX was supposed to red flag my credit and debit cards so nothing could be charged to them. Today he explained that someone else had removed those flags which allowed these other unwanted and unordered charges. 

I also want any shipping information for the laptop that was collected in hopes of identifying who stole my financial information and was using it so I can turn it into the police for possible prosecution.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

MADE ARRANGEMENT WITH XX/XX/XXXX. SEE ATTACHED LETTER TO REPORT ND FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (OK)

They told me several months ago that I had a {$450.00} charge back and their automated system has froze my account and I couldn't have it unfroze until I deposited {$450.00} and only then It would unfreeze my account and let me back in at which time they would return {$450.00} back into my account. After checking my bank account and records I seen there was NO charge back but since they said I was getting it back I went ahead And scraped up the rest of my funds and deposited another {$450.00} in my wallet just so I could get back into my account. Well after I made the Deposit I emailed them and no response. I emailed them again and no response. It has been over 2 weeks and I can't get any response and my account is still frozen. Please please help me. They are crooks and stealing people 's money and just writing them off. Someone has to do something about this. Thank you and best regards.
Consumer complaint received 2021-04-07
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2022-08-08
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. (GA)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}
Consumer complaint received 2021-04-07
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. (NJ)

I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.
Consumer complaint received 2022-01-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

I am exercising my legal right under the Fair Credit Reporting Act, Section 609, requesting for XXXX and Equifax to verify their method of investigation regarding the following accounts listed on my credit report : XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX. As to section 609, under the Fair Credit Reporting Act, I am entitled to see the source of the information, method of verification, which is the original application and documentation that contains and show my signature. I want the original application and documentation with my signature, sent to me by Equifax and XXXX showing proof that the XXXX XXXX accounts and XXXX XXXXXXXX XXXX account was applied for by me and show my signature on all original applications and documentation. If Equifax or XXXX is unable to send me the original application and documentation which contains my signature as proof the accounts are my accounts, and their method of verification of the XXXX XXXX and XXXX XXXXXXXX XXXX accounts listed on my credit report, the XXXX XXXX and XXXX XXXXXXXX XXXX  accounts should be immediately deleted and removed from my credit report within 30 days by Equifax and XXXX.
Consumer complaint received 2021-04-07
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. (NJ)

I have a XXXX XXXX XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report
Consumer complaint received 2022-01-18
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent in a personal update letter to Experian. According to Fair Credit Reporting Act 15 USC 1681b -Permissible purpose of consumer reports that states, IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave them written instruction to update my personal information and they put a fraud alert on my report after receiving my letter. I DID NOT GIVE THEM WRITTEN AUTHORIZATION to put a fraud alert on my consumer report.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (CO)

I never used this card, there were fraudulent charges on this card from a XXXX XXXX. 
I called the dispute line, I sent copies of the complaint and they tried to charge me overdraft fee 's on fraudulent charges that were in dispute. 
Case number XXXX & XXXX
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (MS)

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (GA)

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.
Consumer complaint received 2021-09-01
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. (OH)

I was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (OH)

To Whom It May Concern, The reason for my dispute is ALLIED INERSTATE LLC ACCT. XXXX has sent a debt collection letter that I do not recognize. I am disputing this under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ALLIED INERSTATE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ALLIED INERSTATE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ALLIED INERSTATE LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ALLIED INERSTATE LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ALLIED INERSTATE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2021 I was notified of a new debt collection from CCS of {$120.00} for XXXX XXXX. This is the first Id heard of this. I contacted CCS and the agent wasnt able to find my file with my current information I provided. It took him some time and I was listed under extremely old information. He stated that a letter had been sent to me but I had never received this and he couldnt verify when it was sent. I paid the balance and requested that the collection be removed from my credit immediately. He stated that it would be 7-10 days before it updates to paid but would not be removed.