davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I filed whatever I can proved that I am not in the state while they open my card through capital one, but their decision still remain unchanged. What is the reason for that? Look through all the transaction that they have made. Its all in the state. As I mention previously. I am not in the state during that time. How am I suppose to used all that? And did you guys not check the date on all the transaction? And the time that I left the state. Please check it carefully. I also filed a claim through FBI website, for internet crime. ( I have attach it below ). Am I not clear enough with what happened? I do not get the point that the decision remains the same. Give me a reason.
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my XXXX, transunion & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-10-18
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX 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 XX/XX/XXXX.
Consumer complaint received 2021-10-17
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. (GA)

I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.
Consumer complaint received 2021-03-25
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: CCS Financial Services, Inc. (FL)

Credit Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that CCS updated this entry on my credit reports as recent as XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by CCS. To that end, I sent a letter CCS ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. I have attempted several times by mail ; but to no avail. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from CCS, only to be ignored proves they are unable to justify their inaccurate reporting, and explicitly reflects their inability to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that CCS is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

THere requesting proof that i didn't have a high school diploma at the time of enrolling and i've submitted several time my transcripts ( see attach ) XXXX XXXX shows i received a certificate of completion and blue shows my GPA it even goes on tp the date the transcripts were printed underneath the XXXX XXXX to show i still to this day do not have a High School Diploma or GED per the XXXX XXXX XXXX XXXX XXXX. 
Also to add XXXX XXXX XXXX XXXX XXXX can not provide such a letter your requesting per the school Board and the State of Florida Rules. The Only thing they can provide is a letterhead that says just what my transcripts say. 

Then they ask me to get proof that i didn't do a competency test from XXXX and i did inform them that time i was enrolling they didn't ask me and when i did ty to get this info was not on file and furthermore XXXX required high school Diploma they were not a trade school and only trade schools did competency test.
Consumer complaint received 2022-09-20
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2023, I added my wife as authorized used on my Bank of America visa credit card. Bank of America sent a new credit card on my wife 's name ( with same Credit card no and other details ). Now this card was stolen from my mailbox in my apartment. I never received the card. After few days I realized that my credit card has been misused when I checked my statement. I could see fraudulent charges to the tune on {$1500.00}. 

I immediately called and reported this fraud transactions to Bank of America and they opened a claim. Initially they provided the credit back in my card account but then they rolled it back and denied my claim quoting that I have used the card in person using pin. 

I reopened the claim and told them that this is incorrect and that I have never received the card in first place. I even went to Bank of America nearest branch but their representative told me the only option is to call them and they can not help. 

It has been more than 4 months and I have called them several time but Bank has not honored my claim and not doing anything to resolve it. It is lying in research status since then. Please check the attachment. I am long time customer for them and never delayed paying my card bills. Finally I have no option to open this complaint.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK (NY)

Tne first year into program things were going great. We were told to direct all inquaries from debt collecters to freedom debt relieve. We were told we have lawyers at little to no extra exspence to handle any and all issues that may lead to court. Then we get served by XXXX. Guess what XXXX  wants all there money RIGHT NOW! and that " i was told not to pay my bills '' is not a defense. So we scrapped together what money we had and paid the bill to make this nightmare end. Two mouths later, at dinner time I get served again by a different debt collector again asking for all there money in full once again. My wife and I were told we would be taken care of by freedom debt relief. But when we get sued we have to settle the case not FDR. I was scammed. Now were stuck in a huge hole being sued by multiple debt collectors. HUGE MISTAKE. I want out and need a lawyer.
Consumer complaint received 2022-10-21
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. (GA)

I disputed this inaccurate information to XXXX, XXXX, and Experian sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Okay I want to start by saying I don't understand why this agency consumer finance do not take more legal action against Credit Acceptance they have to have numerous complaints against this company because they deliberately tried to destroy people Credit and report false information on people 's credit report, the lawsuits about this company is horrifying lawsuit on top of lawsuit why is this company still being able to remain open this is horrible I had a car with these people back in 2019 it was totaled I paid on it for a whole year prior insurance paid the value of it I'm not paying them anymore money they keep adding to the balance on my credit report and I feel that it's illegal to keep adding to a balance and you know longer possess their property I thought that this agency handling this was more affiliated with Washington because I just don't think that this agency consumer financing bureau can really do much, all the years that these people have taken advantage of the public something needs to be done to this company to be shut down I want to really take this to Washington because it's apparent something is not getting through, this can't be possibly be right to be treating customers like this and you are still open you can barely find a positive review on these people this is really bad and I'm sick of them posting slight increase after increase on my credit report I have found so many complaints against this company and nothing has been done it's falling on deaf ears upon investigation they have been sued a million times civil lawsuits everything you can possibly imagine and they still remain open something is not getting through to shut this company down after I submit this I want to go to a higher authority because the proper help is not being done against them, this should be against the law to treat consumers like this and for the life of me I'm going to keep posting and posting until something is done about this someone has to stand up against this harassment
Consumer complaint received 2022-07-25
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. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX fraud, Claims true identity fraud/account fraudulently opened, Claims inaccurate information. Please delete and remove.
Consumer complaint received 2021-09-03
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: Velocity Portfolio Group (FL)

I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
Consumer complaint received 2021-09-03
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: CITIZENS FINANCIAL GROUP, INC. (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Citizens Bank, on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Citizens Bank, violated federal law. see 15 USC 1681b A2. I did not give Citizens Bank, Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: College Foundation, Inc. (NC)

I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-08-10
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: CAVALRY INVESTMENTS, LLC (CA)

I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA will not take my payment over the phone unless I agreed to allow them to send me a text to verify my phone number. 
Historical facts : My USAA account is closed and has been closed for 3 yrs. Each month I call USAA to make a phone payment. I have had no address change, phone number change or any other changes to my personal information or my USAA account. 
I have been making payments over the phone with USAA for years, never had a problem in the past. 
Earlier this month ( XXXX 2019 ) I was at the U of XXXX hospital with my entire family. many relatives & friends praying for a miracle. My XXXX year old nephew was in a car accident and had no brain activity. We lived at the hospital for 8 days. During this time I contacted USAA, 4 times from MY cell phone. Again the same phone number I have called them from for years. 
Each representative refused to allow me to make a payment unless I agreed to allow them to send me a text message for verification. 
This has NEVER been asked of me before from USAA. 
I informed USAA i do not have to give them authorization to text me. Each USAA representative told me I did. 
I said I was just calling to make a payment, the account is closed therefore USAA had XXXX risk. 
Regardless USAA refused to allow me to make a payment and as a result my account went 30 days delinquent and as a result of the 30 day delinquency my credit score dropped from XXXX to XXXX cause a mortgage I had applied for to be denied. 
Other facts. USAA has my voice identification therefore they knew it was me, USAA also has phone number Identification and I was calling from my phone, Again they knew it was me. Additionally, I was making a payment from the same checking account I have made payments from, for the past 3 years. 
For USAA to put me through this, provide me with false rules during easily the most tragic time of my life is unconscionable, unacceptable and can not be allowed to happen again, This is why I will be filing a lawsuit against USAA regardless of their response. 
My nephew, XXXX XXXX XXXX never regained brain activity. We never got our miracle, but XXXX wanted his organs donated and as a result 5 other families did receive the miracle they were praying for.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NJ)

I called CREDENCE RESOURCE MANAGEMENT and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. 

I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. 

Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX  did not. I am requesting that these companies provide proper documentation supporting the debt.