davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 
I have informed the consumer reporting agency that several rights have been violated by them publishing this account on my report. Certified letters were sent. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) .EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report. This company is in violation of 15 U.S. Code 1681.
Consumer complaint received 2022-08-23
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item/account/information below : XXXX XXXX  Bankruptcy Date Filed : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2022, the auto loan with Capital One Auto Finance that we, XXXX and XXXX XXXX, shared jointly was reported as charged off. This is based on the following set of facts established by the totality of the evidence. 

A. On XX/XX/2022, a call was made by XXXX XXXX to Capital One. ( See Exhibit A ) B. On XX/XX/2022, In the presence of an eyewitness, an Account Resolution Specialist for Capital One agreed to a payment plan that allowed XXXX XXXX to pay XXXX months payment in the amount of {$300.00} and pay the remaining balance on or before XX/XX/2022 and avoid having the account charged off ( See Exhibit B ). 
XXXX On XX/XX/2022, XXXX XXXX paid {$300.00} to Capital One Auto Finance ( See Exhibit C ) XXXX On XX/XX/2022, XXXX XXXX paid {$540.00} to Capital One Auto Finance. ( See Exhibit D ) XXXX On XX/XX/2022, the same day the payment was made, Capital One Auto Finance erroneously reported the account as charged off. ( See Exhibit E )
Consumer complaint received 2022-10-24
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: Affirm Holdings, Inc (TX)

I received a credit alert that informed me of several new accounts from Affirm that were created in my name. I have never had an Affirm account and I have never done any business with Affirm. These accounts are not mine and I did not open them. I am a victim of identity theft and I believe these accounts from Affirm are a result of that identity theft.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, TransUnion, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.
Consumer complaint received 2022-06-09
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Unauthorized credit inquiries on my credit report, I have spoken with XXXX XXXX, and Experian about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.
Consumer complaint received 2022-06-09
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. (VA)

I filed an FTC report regarding my personal information being hacked through the Equifax data breach in 2017. I faxed a copy of the identity theft report to Equifax and they are still refusing to remove the inquires from my report. I've also submit several complaints to the CFPB for resolution and have yet to have this issue resolved. The complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am requesting immediate removal of the inquires stated in the FTC identity theft report. I am also requesting immediate removal of the incorrectly reporting accounts.
Consumer complaint received 2022-05-05
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. (CO)

I had XXXX companies pull my credit report in the last year, equifax reported to my car insurance that I had too many credit inquiries. That is outrageous! XXXX credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same XXXX credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (WI)

USD Withdrawal stuck " In Review '' status - Support ID # XXXX & # XXXX Support has gone silent and does not follow-up whatsoever. Basically not processing my withdrawal and claim its " In Review '' and that it was escalated and need to be patient. Based on several other reviews some people have waited months and still have transactions " in review '' I need this money asap so I can make my house payment. 

I have been using Blockchain.com for several years now, without any problems, until recently. I made a USD withdrawal to my bank account, which normally takes about 24-48 hours to receive the funds. Except this time the funds didn't come. So I checked back online and noticed that my USD withdrawal was in a " In Review '' status. Then I got an email from Blockchain, pasted below.

I provided all documentation requested, except I could not provide any history/transactions for anything gambling related, because my crypto has nothing to do with anything illegal, such as online gambling or sports betting. I am blown away how they came to such a conclusion. I been withdrawing crypto here for years and then randomly get told that my funds are associated with gambling and need to provide all this documentation that I do not have? My friends pay me via crypto, I don't know where they get their funds, nor do I care. I have nothing to do with any online gambling, so I shouldn't be punished for it. Of course support has gone silent on me and it appears that my funds will be locked up for a very very long time while my case is " under investigation ''. How strange though. Been doing the same thing for 5 years and out of the blue when I need money the most, its randomly flagged by their security system.. I have a bad gut feeling I won't be seeing that money anytime soon. Please HELP!!!!! 

" Hello XXXX, Thank you for using Blockchain services! In Your recent activity we detected that funds linked to a gambling service were deposited into your Blockchain.com account and we require the following information : - Occupation - Proof of residential address, in the form of a bank statement or utility bill dated within the last 3 months - Explanation and proof of Source of funds, in the form of : Deposit and withdrawal activity from the gambling service from where the funds were deposited ; Gambling service activity ( betting history ). 
- Source of Wealth in the form of : Payslips ; Inheritance ; Sale of real estate ; Etc.

Please reply within the next 5 business days to avoid any suspension to your Blockchain accounts.

Thank you for your cooperation. 

With kind wishes, ''
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TN)

For some reason I have been scammed on XXXX from my account with US bank. I have 5 fraud charges two XXXX, one XXXX dollars, one XXXX, one XXXX, one XXXX I have no idea of those charges I called and dispute them with my bank they keep playing it doesn't matter what I tell them still not getting my money back. My account been compromise I need help getting those charges back.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NV)

Yeah, I just got a XXXX 's Prepaid XXXX in the mail without requesting it and not being accepted by a company, that I'm aware of. The letter included that it was provided by the XXXX XXXX XXXX XXXX, but that sounds made up. Why do I have this card and how do I get rid of it?
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

We had a joint student checking account with the U.S. Bank. 

We received a letter from U.S. bank on XX/XX/2020, saying that they are closing our accounts and they will send a check within 15 business days. They did not give a reason but it was because of a bounced check. I deposited a check that was returned to the issuer. That was it. I did not try to make a withdrawal, we had a positive balance in our account. 

We made multiple inquiries about the situation and had no luck. They refused to give us an estimated time and did not send our money that was in our student checking account. 

The money in our checking account was for food and rent for the next three months. That is everything we have because it is our financial aid refund. 

We visited the local branch and explained our situation to the branch manager named XXXX XXXX at the XXXX office. He told us to wait 5 business days and 3 business days and so on. He finally asked to see our Financial Aid Refund document last week. I provided him with the document and he said that he will have our check onXX/XX/2020. 

However, we still do not have the check and we ran out of food about a week ago. 

They had a poster in their branch saying that they are the most ethical company in the U.S. but they do not care and respect their customers. 

I have been patient and respectful to their decision to close our account but is it ethical to take our money for survival during this difficult time? Their explanation is that they are very busy. 

However, they supposed to process our account long before the national emergency started.
Consumer complaint received 2018-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX  years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-09
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

My loans were transferred to AES in XX/XX/XXXX. I have never been late with AES. My credit reports from XXXX to XX/XX/XXXX have not shown any late payments. Now in XX/XX/XXXX XXXX XXXX  days late entries for XXXX loans appear on my credit report for XXXX and XXXX of XXXX. My loans began servicing with AES on XX/XX/XXXX, when I received a welcome email. How can I be 60 days late in the first months with AES? Also, why is this appearing on my credit reports XXXX years later? 

I have disputed directly with AES and through the three credit reporting agencies. AES states that they feel no adjustment is necessary and my credit reports have not changed. This inaccuracy tanked my credit score. AES should not report inaccurate information about student loans or borrowers.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

I had a loan with Navient ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that Navient reported that I missed 30 payments. The truth is I never missed a payment. Navient is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after Navient/XXXX took no accountability for their actions I consolidated my loans with another company. I no longer do business with Navient because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with Navient 's customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) Navient does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.