davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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  account number ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (VA)

Tried to get Bill consolidation from the lawyers that brought the case from XXXX XXXX XXXX but kept giving false documents and different deficiency balance. It is showing up on my credit report as XXXX XXXX XXXX balance is not XXXX its XXXX is what I was told by the lawyers that brought the debt XXXX XXXX XXXX! I have false documents and a fake warrant that they created from XXXX when the car was repossessed in XXXX!
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (VT)

on XX/XX/2020 a person by the name of XXXX from Convergent Outsourcing, Inc. Inc called twice about a debt owed. 

I explained it was my legal right to advise them to stop calling me and as of today i would like all communication and anything they needed from me in writing. 

She proceeded to say " I can't do that I need to verify myself '' and I repeated again to stop calling and to mail me communication. She then proceed to give me attitude about what I just asked for and said " tisk tisk tisk '' like I had done something wrong before just hanging up the phone on me. 

this was at XXXX EASTERN STANDARD TIME
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for Capital One credit card on XXXX XXXX 2020. 

I have excellent credit score and I am very well financially stable, zero debt in whole life. 

Capital One did not approve my application and sent me a letter to contact them for verification. 

Capital One called me on XXXX XXXX 2020 and asked me to upload my Driver License over the phone, which I did. They sent me a link thru sms, and I uploaded my driver license back side and front side. 

My Driver license expired this XX/XX/2020, when COVID-19 was at peak. Due to COVID-19, Ohio has extended Driving Licenses Validity for 6 month, so my driver license is still a valid document in Ohio. 

Capital One 's goal is to verify the identity of the applicant, which I did by providing all the documents they asked. More over, my driver license has matching address and I provided my application id, which they sent me thru postal mail. 

On XXXX XXXX, 2020, I spoke with XXXX and XXXX, but still Capital One is giving me hassle to send more documents My question to Capital One is : while I have excellent credit score, zero debt and never paid late for any card, moreover I provided identity verification that still why are you giving this much a hassle to a senior citizen? Are you giving me a loan or are you giving me a just simple credit card? 

Shame on Capital One for developing a such system and handling cases like a robo.
Consumer complaint received 2021-02-22
Product: Debt collection — Mortgage 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: Meridian Financial Services, Inc. (AL)

My deceased father owned a time-share in Florida ( XXXX XXXX XXXX XXXX ). Somehow upon his death, the XXXX XXXX XXXX  @ XXXX XXXX Country Club/ ( XXXX ) have began billing me for some type of costs or other fees related. I am not at all involved, nor was I ever, in any type contractual agreement with the company. I have never visited the property nor stayed there, ever. I have applied for a mortgage recently. I only have 3 negative reporting items on my credit - All 3 are from this company who refuses to talk to me after hours and hours of trying to reach them. I always get shuffled around before I am hung up on. It's costing me ( eternal ) $ $ in my rate-lock and time off my job trying to earnestly resolve. Although after months I still have been unsuccessful in speaking to anyone that seems to care. Now the bogus debt is being reported by Meridian Financial, a collection agency who now seems to holding a bogus debt and is reporting 3 separate items - 2 quite large, for something I am totally un-obligated for.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have two Bank Of America credit cards. One is closed and the other is open. I accidentally made a payment to the closed account. I called to have the {$500.00} payment transferred to the open account. Everything I call I am told it will be done in 2-3 days. I have called four times and I am told it needs to be researched or the form submitted was not the correct one. It has been more than two weeks. Now I am being told it will take a while billing cycle.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (GA)

i have 8 hard inquires on my credit report that was not done by me. im a victim of identity theft. i sent a copy of my police report and still they remain. all i ask is for them to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no accounts tied to these inquiries. please remove
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (MD)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-07-24
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. (TX)

" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXXXXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " EQUIFAX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The only problem I have had is with XXXX Credit. 

XX/XX/XXXX I signed up for a card at the store - never received the card or any statement from XXXX. After a few weeks I contacted XXXX and the resent card and I subsequently finally received a statement showing late fee. I complained to XXXX and they removed the late fee but never removed the credit report of a late fee.XXXX remains the only adverse account on my report. My credit score dropped 45 points in XXXX as a result. 

I filed a complaint with Trans Union on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases investigation showed Trans union simply accepted XXXX XXXX version disclaiming any responsibility. 

I had a previous issue with XXXX website regarding the failure of their alert system in the billing website. After having that card for 15 years I cancelled the card and did not re-apply until XXXX, XXXX. I have now cancelled the most recent card from XXXX as well. 

I have a significant net worth and have no issues with any other lender but XXXX.
Consumer complaint received 2020-08-27
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: Credence Resource Management, LLC (SC)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

I have sent letters certified to LVNV Funding LLC and requested they show proof of signature and contractual obligation I owe them any money, to wit they failed to comply. I sent first letter out on XX/XX/20 and they received the letter on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I transfered amount of money to international. When i fill the form they just showed that i have to pay {$25.00} for the transfer fee. But when the amount of money come to my recipient 's bank they told that when we fill the form we choose the sharing fee with the recipient. But i didn't do that. Why the recipient 's bank told that to recipient? What happened with my amount of money?
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

open ac cking acct t, acct was open, acct # given, debit card was given, active debit card, card was active. Ck status acct close, rec no ltr from bank on this, they cant tell you why at the branch or bank opr ctr. Had auto, cking with this bank never no problem, accts were closed in the pass good standing, all i can think of chase has to give me inst of XXXX on auto loan, could this be cause of that.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BERKSHIRE HILLS BANCORP, INC (VT)

Dear Sir, I was living on a fixed income. My roommate stole checks and food from me. When I went into the bank I found out I was overdrawn. I tried speaking with the bank they ignored me. I explained I have XXXX and was unable to figure out what was happening. 

I was willing to pay any money the bank paid out. But they wanted me to pay thousands of dollars in overdraft fees. I offered a payment arrangement for the money but they refused. The closed my account and submitted it to a company. Now I can't open an account anywhere. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (TX)

XX/XX/XXXX - Received letter from ARSTRAT attempting to collect {$2400.00}. 
XX/XX/XXXX - I sent a dispute letter asking for verification of debt. 
XX/XX/XXXX - Received letter from ARSTRAT stating that my dispute was not valid and that their information is accurate. They were attempting to collect {$2400.00} for dates of services XX/XX/XXXX and XX/XX/XXXX. They attached an itemized statement from XXXX Hospital for dates of service XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX - I sent a letter to ARSTRAT stating that they were attempting to collect a false amount of money from me for two different dates of services, many of which I had already paid for. I notified them that I would be filing a violation complaint with the FTC and Attorney General for attempting to collect a false/fraudulent amount of money.
Consumer complaint received 2022-08-20
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. (MD)

To Whom It May Concern : I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX delete it from my credit report. 

Hard Inquiry : XXXX XXXX delete it from my credit report Hard Inquiry : XXXX XXXX XXXX  delete it from my credit report Hard Inquiry : XXXX XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This is reported with inaccuracies. It's been reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence. I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. This is an inaccurate address. 

According to the Fair Credit Report Address : XXXX XXXX XXXX XXXX TX XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 








XXXX XXXX XXXX XXXX TX XXXX XXXX Single family XXXX
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Hello, I am considering taking legal action against Citi due to not allowing me to review fraudulent purchases, routing calls to a center that does nothing to assist, and ruining my credit history. 

I forgot my password to their online app in late XXXX. This triggered my account being totally blocked. When I called they informed me that my account was on a top level fraud alert. I had never received a notice about this and they were unable to tell me if it was simply related to my forgotten password or if I had been the victim of fraud. They informed me on XX/XX/XXXX that they were sending a letter to arrive within 3-7 days to confirm my identity. I informed them I was moving in XXXX and also that I did not want to miss my payment due date as I have never made a late payment in my life. 

I called back numerous times that week and the next when the letter did not arrive. They assured me to keep waiting. They said I could not pay the balance, tell me what it was, or close the account. I offered to send photos of all government ID, myself holding these documents, and me holding the card. I was desperate to avoid making a late payment. 

Meanwhile I received many pieces of promotional material about my card in the mail. I also continue to receive emails. 

Every time I call they say there is some difficulty hearing me and I am doubtful that this number is even a Citibank number despite it appearing on my card. Nobody has any clue what they are doing or can advise me. 

I asked a representative two weeks ago to send another verification letter. This one has also not arrived and my payment is now late. I am receiving constant emails asking for payment but since my account is locked and they will not accept a phone payment I can not make one. I  also have no idea if there are fraudulent charges on the account or if someone has changed the address on the account. They can not tell me where they sent these letters. 

I did move as planned and my mom is checking the mail every day but I have no faith any of these letters will arrive. My credit score will be ruined through absolutely no fault of my own. I want Citi to tell me how else I can verify my account, accept my payment and waive all late fees. I have spent hours on the phone with these jokers and there is no resolution in sight.