davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Report Act Capital One Account # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX They have all violated my rights. 
15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 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
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion XXXX is reporting a collection on a debt that is over 15 years old and was paid in full 15 years ago and has been sold from one debt collector to another for a {$150.00} balance. This information is far too old to be appearing on my report. I have never spoken to this new collection company in addition to the debt collection being fraudulent. The bill was paid and account closed over a decade ago. This is all a lie and it is illegally reporting on my credit profile. You can't just post XXXX like this on a credit report with no explanation regarding why XXXX thinks this is suddenly relevant to anything. I want this removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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. (TN)

XXXX XXXX XXXX, a debt collector company is refusing to investigate an account that is on my credit report inaccurately. I have tried to dispute this account with transunion and they are also failing to research the account correctly. The company is providing me with an alleged contract not signed by me, which also has a social security number on it that does not belong to me. I am attaching a copy of the invalid contract and also my social security number which shows that this account does not belong to me. There is also a fraud alert on my account due to me being a victim of identity theft not once but twice. I filed a police report regarding this issue, however that was years ago and I no longer have the report to attach to this. With this information, I would think that the credit bureaus and collection agencies would do a thorough investigation before assuming a debt is valid. The original creditor and everyone involved failed to do their jobs correctly.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I received a TD bank statement period XX/XX/2022 to XXXX XXXX with a stimulus check deposit of {$1400.00} on XXXX XXXX. 
I went to TD bank on XXXX XXXX in XXXX XXXX on XX/XX/2022. The information on the checking account was using my social security number, date of birth, and address. 
The initial bank account that I opened was a student savings account and not a checking account with a minium balance of {$20000.00}. TD bank contacted the fraud department today. It seems the stimulus check was written out to someone else and deposited into my account of mine that I thought was closed out years ago. 
Two checks were written off this account and deposited into a XXXX  XXXX XXXX account at the end of XXXX and beginning of XXXX. 
Please rectifiy this situation
Consumer complaint received 2022-03-02
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. (AZ)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Consumer complaint received 2022-08-22
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (IL)

Someone scammed me out of {$680.00} in prepaid cards while I was setting up a new bank account. They were American Express cards. I've talked to them about it but I'm still waiting for resolution. I do have the accounts that my money was used for from calling them I just don't know how well they're doing to get my money back.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$600.00}
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MD)

I received a credit alert that someone had attempted or pull my credit on XX/XX/2023. I knew I had not, so I logged into my credit monitoring site, and there was COMENITYCAPITAL/XXXX. I had no knowledge of this company and why they would pull my credit file. I then immediately contacted XXXX to dispute the hard pull to my file. While waiting, the next day, I came home to a letter addressed to my husband with the same name COMENITYCAPITAL/XXXX on a letter. When he opened the letter, it stated they needed him to contact them to finish the application. My husband had not applied for any such account. We have not been able to get anyone on the phone. Also, XXXX removed this pull from my credit file. I am concerned this is some scheme or target. I need to know what I can do to protect my credit from this company.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

equifax said i need to present the names of what im disputing so here they are XXXX XXXX XX/XX/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  XX/XX/XXXX im protesting these because i need to see signature or firm offer of credit from these i took off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX the rest i need proof
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center Dear : Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX XXXX  - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

This transaction is related to my XXXX XXXXXXXX XXXX issued by Wells Fargo! 
Here is what happened. 

XX/XX/XXXX - I made a payment of {$940.00} to XXXX XXXX XX/XX/XXXX Week- I had a Fraud Transaction in XXXX, that I reported to XXXX  and they changed my card number and sent me a new card. The amount of the fraud was {$10.00}. The name of the merchant was XXXX XXXX XXXX. 


XX/XX/XXXX - My plans changed so I canceled my flight with XXXX XXXX. 
The refund for this amount got stuck on my previous card number, as It did not automatically transfer to my new card. After waiting a week, I called Wells Fargo regarding this. They acknowledged that the amount was stuck on my previous card number and they needed to transfer the amount. I was told that it would transfer in 48 hours. Since the amount was not transferred in 48 hours, I called them again and was told the same thing. It became a cycle, where I called them 5 times in a week regarding the amount not transferring. 

Then yesterday morning I saw the refund on my new card finally, but was quick to realize that Wells Fargo charged me another {$940.00} as a balance transfer. Thus it cancelled out my refund. So technically I still need to receive {$940.00} from Wells Fargo. ( See Screenshot Below ) So I again called them and they acknowledged it and said that they would expedite it and I would receive the money back in 24hrs. 

This morning I woke up and instead of seeing a refund, I saw another charge of {$940.00}, which blew my mind. This amount was not even posted under a memo, they just directly charged me and reflected on my credit. This now puts me {$1800.00} out of my own money. Thus at this point, Wells Fargo owes me {$1800.00}. 

Reiterating my charges : XX/XX/XXXX - I book a flight with Norwegian Airlines ( + {$940.00} ) ( Charged Correctly ) XX/XX/XXXX - I cancel my flight XX/XX/XXXX - Refund from XXXX XXXX ( - {$940.00} ) ( Charged Correctly ) XX/XX/XXXX - Item Transfer, Account Balance Transfer ( + {$940.00} ) ( Charged Incorrectly ) XXXX XXXX - No Memo ( + {$940.00} ) ( Charged Incorrectly ) Total ( {$1800.00} - Charged Incorrectly ) Thus, I called them and they straight up denied that it was an error and said it was correct. They went ahead and told me that the claim I filled on XX/XX/XXXX for the {$10.00} was a refund from XXXX XXXX for {$940.00}, which makes no sense. 

Wells Fargo went ahead and further claimed that I received the refund twice, which is not true as when I asked them to show the second refund, they couldn't answer me and said the Claim was filed on XX/XX/XXXX for {$10.00} was the refund I received from Norwegian. 

XXXX, the screenshots of the transactions in question. As you will notice there is an additional charge of {$940.00}, listed as Item Transfer, Account Balance Transfer. 
Moreover, The Charge made on XXXX XXXX is not even memoed.
Consumer complaint received 2024-12-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (MA)

This business is doing unethical business practices I had suspected this based on my experience alone. And come to find out there are many others experiencing the same thing. This company is predatory as are most other car businesses. We have a problem that needs to be addressed, there has been a lot of surges Ive noticed with car rentals this also correlates to the gig economy as it is a known fact some of these companies allow you to rent with them thru XXXX XXXX XXXX. I can go deeper down the rabbit hole but this is about this company and their hand in the financial squeeze. Another can of worms just waiting to be opened up. This company has been overcharging me and has been using predatory tactics to upsell me each and every time Ive had to rent with them for travel. Once I had figured out their predatory tactics I found a way to get lower rates and strange things started happening. Im showing up to the location and they only have luxury vehicles available at first they agree to keep me at the same rate as I was quoted as part of their policy for executive elite members. At the 30 day mark when its time to return or extend things change, theres nothing available they know Im traveling and Im in need of a vehicle for travel and they would have nothing else available forcing me to stay with the same car at a higher premium. If you try to book and extend day by day the rates are even more volatile and are subject to go from {$100.00} to {$120.00} a day out of nowhere. And on top of that they were using tactics to secretly steal my deposit without my consent times where XXXX expecting my deposit to come back they surprise me with Oh it appears it has already been used to extend for another day telling me some predatory bs about how the system calculates the charges at day of return or extension. I had submitted a dispute with my card company and they made an investigation there is no balance due in my statement then and none due in my statement now even close to the alleged debt they say I owe. Since then this company has been harassing me threatening me with debt collectors when my card company had already investigated the charges and it made their determination there is nothing due in my current statement with the card company. I dont know what debt they are referring to it is not mine and they need to stop harassing me. If theres an issue they need to contact the card company and do their due diligence as I have.