davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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 AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (MD)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX of 2019, I called Santander Consumer inquiring about refinancing. I was informed that they do not refinance by the representative and shortly after that I started receiving missed payment notifications on my credit report. My credit score started off in the low XXXX 's and now is in the mid XXXX 's. The main reason as to why I called about refinancing was because my interest rate is high. I have worked diligently to change that and I have. I have called them on several different occasions on this matter but have had no response on this particular matter. No one will refinance me now because I show have recent late payments. I have paid my bill the same way since starting the loan. I never received any mail regarding in delinquencies on my account primarily because they have been reluctant to put real address on any of my mail. The dealership, Santander Consumer, and the credit bureaus all have been made aware of my address being incorrect. No entity has corrected it yet.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries 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 2020-05-22
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: ENCORE CAPITAL GROUP INC. (TN)

I have disputed information on my credit report with Midland Funding LLC on several occasions requesting validation with my bearing signature due to I do not recall any accounts with them. I looked back at my credit report XX/XX/XXXX and another report for XXXX and both of them listed consumer disputes this account information. I also verified the license for Midland Funding LLC on the state of TN The Department of Commerce and Insurance. They have not had license in the state of TN to collect debt since XX/XX/XXXX therefore they do not have the right to collect from any consumer in the state of TN. Also from looking at my credit reports it looks as if they are reaging the account cause when I look at report from XXXX it shows first delinquency was XX/XX/XXXX and the report for XX/XX/XXXX shows XX/XX/XXXX.
Consumer complaint received 2022-12-30
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus 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 remove the following accounts completely from my Credit Reports XXXX 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 2020-05-22
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (LA)

I am getting calls every morning between XXXX and XXXX CST while I am at work. I am not supposed to use my personal phone on the clock and can not have personal calls on the work phone at all. I have told NCB Management, who has my XXXX XXXX XXXX repossession debt, that I am at work from XXXX to XXXX Monday through Friday and that I am not supposed to take personal phone calls at work several times. I have been doing my best to work with them anyway on paying {$50.00} per month. Now I'm being charged {$50.00} a week, which is every paycheck. I don't remember asking for that specifically. They say it's because they are trying to keep my credit from being damaged or I would have to pay {$200.00} per month other wise to keep my credit secure. The repossession of my vehicle was back in 2017. NCB Management is getting on my nerves now that XXXX XXXX XXXX passed my debt to them. I have had enough! 

Furthermore, when they call, they immediately ask for my name, and I am not identifying myself until I know who and what company is calling and for what reason. I get lots of scam and spam calls doing the same, and NCB never calls from the same number. I want to fix this and my credit, but I can't when NCB does all this and tries to control my finances to their benefit even when it hurts me. Pretty sure all that is illegal from what I have read.
Consumer complaint received 2022-12-30
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them right away : 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
Consumer complaint received 2022-05-19
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: Phillips & Cohen Associates, Ltd. (NY)

In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2020-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My mother and I have a safety deposit box in both of our names. I discovered this when she passed away on XX/XX/XXXX. I looked everywhere but was unable to find a key to the box. I want to open the box to see what is inside as well as close it afterwards permanently. I have discussed this box in four different face-to-face meetings with the Bank of America on XX/XX/XXXX, XXXX and XXXX XXXX. At each meeting I have stated that I would like to have the box opened and I will pay for the drilling. I was told the drilling would cost {$150.00} which I am willing to pay. At the conclusion of the second and third meetings I was told that the bank would look into drilling and get back with me. I waited several days and no word was received. At the last meeting on XXXX XXXX I again asked when the drilling would take place and this time I was told I would most certainly not be able to get into my box this year! Asking why I was told that because there was no key the bank was not willing to have other customers wait for access to their boxes by waiting to have my box drilled taking up to what they said would be an hour. I then told the assistant vice-president of the branch ( the person I have been meeting with ) that seemed totally unacceptable, inflexible, and keeping my property from me seems illegal. I am considering getting a lawyer, but that would cost me money. I have XXXX XXXX and having this type of stress on me is something I do not wish. Please help. I really don't know what to do. I was told by my tax preparer that I needed to see what was in that box because it may be if it goes on to the next year a special tax person would have to be hired ( and they are expensive ) to do taxes on my mother in a different year after her death.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (SC)

I was contacted by Southwest Credit Systems around XX/XX/XXXX and was advised it was an attempt to collect a debt and they needed to verify my information before telling me what the call was about or any information at all. I advised them that I'm not providing info over the phone and I never received a letter about any debts owed to them. The caller hung up. I received various calls from the same number ( XXXX ) so I continued to block the calls. They then called from a Texas number with area code ( XXXX ) where a man with an accent did the same thing. I verified my DOB and he transfered me to someone else. I spoke to someone named XXXX and she said it was a balance from XXXXXXXX/ XXXXXXXX cable from XXXX. I advised her I was not aware of any debt and we currently have XXXX  in my husband 's name and its been like that since we've moved here in XX/XX/XXXX. I advised her to send me proof of the debt and she advised on the XXXX   account it just has my name but no address or any other info. 

She said she would send me a letter to dispute and to validate the debt. I have not received anything but they did put it on my credit even after I've never received any notification or letter from them. She advised she would file a dispute. How can they be allowed to place this on my credit without validation and I have disputed this?
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (NY)

BB & T Bank continues to wrongfully and illegally pursue collection activity on an overdrawn checking account opened fraudulently in my name in an identity theft scheme, a scheme BB & T is currently investigating as of XX/XX/2021, and contrary to verbal assurances made to suspend collection efforts during the pendency of their fraud investigation. Upon information and belief this conduct violates, among other laws and regulations, the Fair Debt Collection Act, section 5 of thr FTC act, which prohibits unfair or deceptive acts or practices in ir affecting commerce, and further constitutes an Unfair, deceptive or abusive act or practice under the Dodd-Frank Act.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

XX/XX/2021 mail stolen from house containing a check for {$1500.00} to a relative was processed using a mobile deposit into an account of Citizens Bank fraudulently. Notified my bank and filed a report with the XXXX XXXX Police Department. Communication between police and my bank followed with an arrest warrant put against the person and no further action by Citizens bank or the warrant resolved my account being refunded.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (IN)

I've spoken to XXXX  several times and a majority of the time the reps are very rude.. My last call was XX/XX/21, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX  's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Consumer complaint received 2020-05-22
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. (TX)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX & XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL (CA)

This complaint is about the disclosures and business practices of Care Credit. I was attempting to set up an account with them to provide their services to my patients. I discontinued that application when the company began checking my personal credit and wishing to have an inspection of my office facilities. 

First, it is not appropriate to investigate my personal credit, as our company is incorporated. This implies that I am signing a personal guarantee, and if that is true, that fact was not disclosed to me. 

Second, there is no justification for a bank to inspect our property. This was not disclosed in any of the documentation as well.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX Bank 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Consumer complaint received 2020-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

The Credit Card was compromised on XX/XX/2020. Was reported on XX/XX/2020. Payment was stopped on XX/XX/2020. Capital One Customer Fraud Protection, XXXX ( ph XXXX Ext XXXX ) found no instance of fraud on XXXX and recharged the {$270.00} from XXXX XXXX to the replacement Credit Card # XXXX XXXX XXXX XXXX. 

The original order was purchased under an email address other than mine, thus I never had contact with XXXX XXXX about the purchase nor had I ever purchased anything from them. The original card was never lost, information was stolen some other way. The unknown purchaser did not override the mailing address on the card thus the purchase was mailed to the address on file with the Capital One Card to me. Days later I received the package from XXXX XXXX. I was unable to contact XXXX XXXX for several days to return the order which I did not place. They did not return any of my calls. Informed Capital One of the problem and was informed not to worry about the return. They would take care of it. 

The {$270.00} was recharged to the new card on XXXX and I contacted Capital One again and closed the replacement card. Tried again to contact XXXX XXXX and succeeded. They understood the problem and forwarded a return label and stated they would process a refund when the product was returned. Received an email from XXXX XXXX XXXX stating the refund had been processed. Capital One never received the refund. Checked back with XXXX XXXX and they emailed on XXXX to contact Capital One and " request for the chargeback to be reversed. '' Contacted Capital One and was informed " such a thing didn't exist. '' XXXX XXXX now has the product and the {$270.00}. Capital One will not credit my account even though the purchase was fraudulent in the beginning. 
As further evidence that it was fraud ; another charge occurred at the same time and was resolved without an issue. 

I'm in the process of filling a Fraud complaint with the Federal Trade Commission about XXXX XXXX, in the meantime I'm stuck with Capital One threating late fees for none payment.