davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I'm the XXXX XXXX Capital one headquarters. Also the XXXX for each company and mergers listed under my Bennificary accounting. Including XXXX XXXX  and XXXX XXXX I recently tried to access my finances but keep having trouble for some reason with transfering funds from my Trust administration department. An XXXX / XXXX check has been ran multiple times. I'm having problems with my civil rights and authority to control my businesses for my best interest. Also getting funds for my best interest so I will not be suffering. There's no limit. My funds are for my best interest only.
Consumer complaint received 2023-02-13
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello. My name is XXXX XXXX. Someone used my information, my XXXX number, and through the XXXX and XXXX applications opened XXXX credit cards in my name at CapitalOne Bank. Credit cards were opened on XX/XX/XXXX and XX/XX/XXXX for the amounts of {$1300.00} and {$1000.00}, respectively. I noticed this only in XX/XX/XXXX. I wrote and called Capital One. They sent me an answer that I have to pay and close the balances of these two cards. This happened on XX/XX/XXXX. After that, I had to call Capital One and try to restore access to these credit cards ( more precisely, to the application ). Since there was another person 's username and password there. Starting from XX/XX/XXXX, I am paying off the balance of cards that I have never even used. At the same time, my credit rating completely dropped. I ask you to help me with this situation. I can provide all the details. You can contact me by phone XXXX or by mail XXXX ( preferably by email )
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I disputed a total of 18 fraudulent transactions on my account on XX/XX/XXXX totaling XXXX, claim number is XXXX. During the initial reporting process on the XXXX, I attempted to send the police report I filed for these charges. I was also forthcoming about what the police department said ; they said it may be skimming because it happening in the area. I let them know I don't have the card at all, and they said it sounds like fraud. Still, the rep insisted they did not need the police report or any documentation. I called on the XXXX of XXXX to check on my account and why my funds were not available after FRAUDULENT charges occurred. I did not authorize anyone to use my card nor give anyone my pin number. They told me I would have my money back by the XXXX of XXXX but when I called today on the XXXX, I was told my claim was denied. 

I have no idea how it can be denied. I told them it is fraud, I did not give anyone permission to use my card. They asked for 'more information ' to do a second review but was not specific on what the more information was. The rep then requested I do another police report. I then told him to document I will be sending in the new police report, a copy of my CFPB report, FTC report and my letter of demand which is my intent to sue if they do not give my money back. 

According to the website it states : My contactless Capital One Debit XXXX comes with {$0.00} Fraud Liability, so you won't be responsible for unauthorized purchases if your debit card is lost or stole. This has not been upheld which is a violation of my rights as a consumer.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I registered a new credit card for Capital One 's XXXX card on XX/XX/XXXX I believe after they sent me an offer through the mail. I read the offers for this card on their website, and it advertised a {$200.00} cash bonus for new cardmembers if you spend {$500.00} within 3 months. After searching around, I found that they also offer an alternative program where you have to spend {$1000.00} within 3 months to receive {$200.00}, which they do not seem to be very transparent about either. That's fine, but after contacting customer support, I was told I do not have any kind of offer regarding cash bonuses for spending a certain amount of money within a time period. I feel as if I've been misled here about what I would be receiving as I've already spent over {$500.00} to receive this bonus.
Consumer complaint received 2022-12-06
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: WELLS FARGO & COMPANY (IL)

on XX/XX/22 I obtained my credit report from XXXX  I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Over a year ago we received a letter indicating that our remaining escrow balance was being returned to us. They said that the check they mailed us got returned to them and that I needed to fill out their online request to receive another check for our excess escrow that we overpaid. I filled out their online request for another check for the following : Nationstar, Control Number XXXX, Check Number XXXX, Transaction date XX/XX/year>, Amount {$250.00}. 

I received a printout saying it would take 8 to 10 weeks after our/the response due date on the letter. After contacting them for over the last year and half they say they have now changed their name from Nationstar to Mr. Cooper and have no records of our lost escrow. Its criminal what they have done. I am also filing a complaint with the Attorney General in the state where the headquarters of Nationstar / Mr. Cooper are located to try and get to the bottom of where our money went. This has been extremely frustrating trying to recoup our overpaid escrow balance. Thank you for you time and help.
Consumer complaint received 2020-08-20
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX ACCT : XXXX XXXX : {$2300.00} AMT : {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-09-17
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (WI)

what are these remarks by DISCOVER on my CREDIT REPORT XXXX  : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. FOX COLLECTION CENTER will be civilly liable under Title 15 U.S. Code 1692k if FOX COLLECTION CENTER failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Cease & Remove alleged account from all credit reporting agencies Cease & Remove All negative information from ALL CREDIT REPORT AGENCIES Pay me The Consumer {$1000.00} for the damages against me XXXX XXXX 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2021-09-17
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following XXXX XXXX  checking account listed on my Chex Systems Consumer Report : XXXX is a fraudulent account and not my account : Ending In : XXXX, balance : {$4600.00}. I never applied for or opened a checking account with XXXX XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY