davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX I purchased a concert ticket for XXXX XXXX XXXX, XXXX for {$340.00}. On XX/XX/XXXX I purchased another ticket to XXXX XXXX in XXXX, XXXX for {$610.00}. Both concert were to be held XX/XX/XXXX. 

The concerts were cancelled due to covid. As the promoter of he concerts refused to issue refunds I disputed the charges with Capital One. 

On XXXX XXXX Capital One reversed the charges while investigating the dispute. All is good at this point, However on XX/XX/XXXX Capital One rebilled me for {$330.00} On XX/XX/XXXX Capital One again rebilled me for {$340.00} and {$610.00} On XX/XX/XXXX Capital One recahrged yet AGAIN for {$340.00} and {$610.00}!! 

Capital One has been contacted many times and the double charge for {$610.00} and the triple charge for {$340.00} have still not been removed from my account. 

As the concerts were cancelled and the concert promoter has refused to issue refunds they are committing fraud accepting fees for a service not provided. As such, Capital One must under Consumer Fair Credit Act credit me for all these charges and have not been willing to do this. I have been trying to resolve this for a year with no satisfaction.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

During XXXX and XX/XX/2020 I was affected by COVID-19 and was unemployed for 3 months. Those months being XXXX, XXXX, and XXXX. This afftected by payment history with Navy Federal Credit Union in those month. Relief was seeked and it was agreed upon that this would not affect my credit reporting due to the relief under CARES Act.

As with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (SC)

I noticed a ton of problems on my credit report after my XXXX XXXXXXXX account notified me that my information was on the black market I checked my credit report and I have not tried using my Credit for inquirys at all recently And there are a ton of inquiries recently on my report
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I received an email from Bank of America stating that my credit card application has been approved. I did not apply for a credit card with Bank of America, or any bank for that matter. The card is specifically an XXXX  XXXX XXXX Credit Card. 
I also received an email from Bank of America asking me to verify my email address by clicking a link in the email. I did NOT click this link. I was not on any Bank of America websites before receiving these emails.
Consumer complaint received 2022-06-23
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.

1

5 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 2022-06-23
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. (PA)

In accordance with the Fair Credit Reporting act 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 2022-07-11
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. (PA)

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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2023-02-28
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (FL)

I applied for a job at XXXX XXXX. XXXX did a credit report on me and used Equifax. Well, they might deny me for employment at XXXX for my credit report. In my credit report it says I worked at XXXX XXXX XXXX, XXXX XXXX and XXXX I have never applied to XXXX XXXX and never worked at XXXX or XXXXXXXX XXXX. I have tried to call Equifax many times, and it seems I don't get the questions correct. I have never had a mortgage or department credit cards. I need help, please.. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX  data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX/XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX  Account # XXXX - XXXX  Account # XXXX - XXXX Account # XXXX - XXXX/XXXX  Account # XXXX - XXXX Account # XXXX 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.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-12-01
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. (NJ)

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report XXXX, Experian and XXXX. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

I sent a dispute letter to Security Credit Services and XX/XX/XXXX credit bureau regarding a collection that was opened in 2020. XX/XX/XXXXis still the only credit bureau listed on my credit report while XX/XX/XXXX and XX/XX/XXXXhas since deleted this collection from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have been working toward Public Service Loan Forgiveness, and have been working at the same eligible employer ( a public 4-year university ) since XXXX of XXXX. I have been regularly submitting employment certification forms in order to maintain a real-time tally of the number of qualifying payments made toward my total required count of 120. Currently, my payment counts on all but two of my loans are 118 ( the remaining 2 are 119 ) but only 115 ( and 116 for the two outliers ) have been logged as qualifying, and I contacted them today ( XXXX ) about a three-month period XXXX XXXX XXXX that has been left off my totals even though I provided them with an employment certification form for that time frame in XX/XX/XXXX. I was told that those qualifying payments were still under review by an outside entity, and they could not give me a timeframe for when they would be added to my payment count, even though I have submitted employment certification forms afterward that should retroactively reflect my continuing employment eligibility. I am concerned that this will not be resolved by the time I reach my 120 qualifying payment requirement in XXXX, and that this will delay the approval of my final PSLF Loan Forgiveness application.
Consumer complaint received 2020-11-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is reflecting on my credit report with 2 different account numbers. I have not signed a contract or created debt with their company. I have disputed the accounts several times with the company and with the 3 credit bureaus. The company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously disputed the fact that all 3 bureaus are reflecting differently and asked that the account be removed due to inaccuracies however all they do is verify that it is accurate. Its also reflecting a past due balance? How?
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (NY)

I purchased a vehicle on XX/XX/2020. After 5 months, I still dont have a title or any documentation about the vehicle. Dealer refused to give me proper documentation to register the vehicle myself. After the temporary tags expires dealers keep registering same vehicle in multiple states. 

As I can't get a title under my name, or the proper information to registered myself. I call the bank for help. But they stated that they don't have a title either. Im a XXXX resident and Im supposed to be the title holder and need it to transfer my old plates. I paid for the services. 

I'm making payment for a vehicle that I don't have any documents. I ask the bank to stop collecting payments until the situation is resolve, and honor the FTC Preservation of Consumer Claims and Defenses Clause, which they refused. 
Im stuck and I need help Vin Number : XXXX Dealer : XXXX XXXX Bank : bridgecrest financial Account Number : XXXX Name : XXXX XXXX
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

Sold items on XXXX. buyer used paypal to pay for items. PayPal held funds for a number of days until buyer received and was satisfied with item purchased. The sale amount then appeared as my available balance. I attempted to transfer funds from paypal to my bank and over a series of days I kept getting 'unable to complete transaction '. I then at tempted to transfer funds to my debit card and received 'unable to complete transaction ' again and again. I tried calling paypal but they said they could not help me and hung up. I sent several messages to them on their website message service and received no response. Essentially, paypal is not allowing me to use or access funds that are mine due to the sale of goods on XXXX without any cause or reason.
Consumer complaint received 2022-03-22
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 2021-05-19
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. (VA)

My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, XXXX and Equifax XXXX per XXXX XXXX instructions. To date XXXX and Equifax have not deleted/updated the late payments on my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. ()

Midland Credit Management went to an address and served a woman who is a stranger papers for me. The lady had all of my information and found me on XXXX and sent me a message. I then gave her a phone call and she let me know that some lady rang the doorbell and made her sign the papers telling her she was served and the woman is not here legally so she was freaking out I had to calm her down. I called the courts and told them what happened as I also live in XXXX now so they dropped the case. 

They served someone else papers meant for me! They made her sign these papers that had ALL of my person information on it! 

Not only is this completely unprofessional but completely illegal. The lady sent me ring footage of the encounter as well and I let the lady know she has every right to seek counsel and sue. 

I need this taken off my credit immediately before they pull something like this again.
Consumer complaint received 2023-01-11
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: FORD MOTOR CREDIT CO. (CA)

FORD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.
Consumer complaint received 2021-07-28
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: Early Warning Services, LLC (NJ)

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY XXXX  REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (WA)

I have filed at least three disputes with Rent Debt Automated Collection XXXX, XXXX, XXXX  and XXXX  with regard to an erroneous, fraudulent item being reported by Rent Debt to my credit file. In each of the disputes I have stated that I did not sign any purported lease at anytime and I did not or do not owe any debt to Rent Debt. Although I requested verification of the debt and disputed the debt back in XXXX, XXXX XXXX failed to provide verification or validation of the alleged debt. I have filed and requested disputes under Section 609, 611 FCRA and The FDCPA and never received any sort of documents or opportunity to. Dispute the debt or proof that I owe the debt. Recently, Rent Debt sent me a document consisting of only one page, not executed and bearing a fake signature claiming to be mine. 

I am enclosing my fourth notice of dispute, my executed affidavit and demand that this erroneous item be immediately removed from my credit file based upon the violations of Rent Debt, XXXX, XXXX  and XXXX  to comply with The Fair Credit Reporting Act Sections 609, 611 and The FDCPA. Please find the attachments to my complaint.