davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-19
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)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Consumer complaint received 2022-02-23
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: ALLY FINANCIAL INC. (GA)

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

Ally Financial XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (FL)

I mailed out on XX/XX/XXXX2022 and received no response from department of education/ XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Date XX/XX/2020 XXXX XXXX XXXX reported on my experian credit report. I reached out to exeperian by phone immediately to dispute to advise this must be fraud because 1 I never been to the hospital called XXXX XXXX and never recieved a bill. While in dispute with them I contacted the company XXXX  as well as the original creditor not only they couldn't find me I kpt getting transfer to numerous departments which was quite frustrating. Experian advise the debt was accurate but how can this be I sent debt validation letter to XXXX and never recieved an response but the account is still reporting I also sent method of verifcation to Experian asking how did they verfiy they debt because I tried to get info from the orginall creditor and collection agency and no one couldnt find me. I literally close on my house in a few days and i tried the correct way to get this cleared up i contacted the creditor the collection agency with no avial THIS IS FRAUD! I would unverified fraud account removed from my credit file
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I recently noticed a collection account on my credit profiles from Wakefield & Associates. The erroneous claim states that I owe {$320.00} to XXXX XXXX. I've NEVER been to that medical facility therefore I don't owe anything.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2021 I purchased a wreath from an online retailer, XXXX, for {$43.00} and  some change. I used my Capital One card to pay for the item. When purchasing the item the return policy was clearly stated in the item description. I received my item around XX/XX/2021. I was not happy with the item as the pictures compared the wreath received had differences. I emailed the address that was listed on a card with the item to let them know I was not happy with my item and wanted a return and refund. After emails back and forth and the company saying that is not their return policy and trying to refund a percentage of the purchase or I could mail the product back ( overseas ) and wait for a refund as long as it met their requirements when received. Seeing that I was getting nowhere, I filed a dispute with Capital One. I received a letter from Capital One that they needed additional documentation and a second opinion letter from a similar company on official company letterhead with their opinion on how the company handled the request and  what they would do. This second opinion information is unattainable and an unrealistic request. On XX/XX/2021, I submitted copies of screenshots of email communication with the company XXXX along with copies of screenshots of the pictures that were listed with the product and a copy of the screenshot of the advertised return policy listed in the description with the product. I also sent copies of screenshots from similar items on XXXX with their return policy. I then received a letter from Capital One telling me that they can no longer help me with this dispute and to contact the company for resolution. I have already tried to work with the company and they have refused to  honor their advertised return/refund policy. XXXX has now listed on their website that their store is closing.
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I am writing to file a complaint against Square [ Block, inc. ] for engaging in an illegal and unethical practice related to a transfer made through their platform. 

On XX/XX/, I [ XXXX XXXX XXXX made a transfer in the amount of {$18000.00} from my personal account with AlfaBank to the account of XXXX XXXX XXXX as payment under a house rental agreement. However, despite the funds being debited from my account, the recipient did not receive the funds and to this day, Square has been unlawfully withholding our funds. 

My witness and point of contact for XXXX XXXX XXXX is XXXX XXXX [ address : XXXX XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX, XXXX. / phone : XXXX / email : XXXX ]. As the owner of the Square account to which the funds were transferred, XXXX XXXX has been attempting to resolve this issue with Square for over a year now. Still, despite countless points of contact with the company, Square has only provided empty promises and no satisfactory resolution. I have attached screenshots of emails with empty promises from Square, which further evidence their willful and intentional failure to act. 

Square had claimed that the funds have been blocked due to sanctions. However, the transfer occurred before sanctions officially took place [ Effective Date ( EO XXXX Directive XXXX ) : XXXX XX/XX/ ]. Furthermore, Square has attempted to engage in the unauthorized withdrawal of funds from XXXX XXXX 's personal account in the amount of the withheld funds. Both of these acts are clear violations of legal and ethical principles.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
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. (TX)

I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (NV)

Company never sent me notice INCORRECT ADDRESS on debt as well they state it was a charge off I did not know this was even owed as well how can they try to collect call or threaten me when they reported it as a charge off I have sent registered letter to stop
Consumer complaint received 2022-01-10
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. (NJ)

Citibank, I've been customer and have my card for over 7 years, never missed XXXX payment. Making more money, they reduced my line of credit. Not happy with that, and it is a problem.
Consumer complaint received 2021-09-06
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: Amsher Collection Services, Inc. (AL)

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amsher collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Consumer complaint received 2020-08-28
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: CAVALRY INVESTMENTS, LLC (GA)

On XXXX XXXX Cavalry Portfolio Services add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Cavalry Portfolio Services did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Cavalry Portfolio Services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TN)

On XX/XX/2022 World Acceptance Corporation has replied to my complaints and stated that World has searched our records using the name and address provided, but we were unable to verify with certainty the specific account or account holder. This account is still hurting my credit and if you can't find or verify the debt as I asked previously, Please delete this account of my CONSUMER REPORT. I demand XXXX to removed this account off my CONSUMER REPORT. THIS ACCOUNT IS ONLY REPORTING ON MY XXXX AND NEED TO BE REMOVED.
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

XX/XX/2019 I was involved in a car accident. Hospital billing department was legally notified that my case was in litigation. They proceeded to forward my bill to Wakefield. Wakefield proceeded to report my bill as collections to all three credit bureaus with out validating the bill with first. They were also legally INFORMED multiple times that my case was in litigation. Called me multiple times, have sent multiple notices XXXX with NO ITEMIZATION and WITH THE WRONG PROVIDER after requesting a itemized bill and validation, including but limited too what was shared with them as I feared my HIPPA RIGHTS might have beeb violated. This company continues to violate my rights according to The federal Fair Debt Collection Practices Act ( FDCPA ), which protects debtors from harassment, threats, and unfair means of debt collection by debt collectors. This law applies to WAKEFIELD and ASSOCIATES. They continue to refresh the debt on all of my credit reports causing grave damage to my credit and quality of Iife. The unwillingness to temporarily remove the tradelines in question while being in litigation again highlights how aggressive, brazen, and irresponsible this company handles consumer information. WAKEFIELD is not above the law.
Consumer complaint received 2022-07-25
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXL 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
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX  Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 Experian : Factual Data XX/XX/20 Experian : Factual Data XX/XX/20 Experian : XXXX XXXX XXXX XX/XX/20
Consumer complaint received 2020-08-28
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: Midwest Recovery Systems (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To Experian if you dont remove this negative inaccurate accounts from my credit report immediately we are going to arbitration XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I applied for a refinance loan for a lower rate and to pull equity out in XX/XX/2020. I have turned in every document I was asked and have been passed through no less than 5 different processors and as of XX/XX/2020 I still have not received money. In fact, I just got off the phone with the latest processor and she said it will be two more weeks minimum.! PH Loans XXXX!! 

I want to file a complaint due to the long delay in processing my loan. I am aware of the pandemic and it's effects on the process, but it should not take more than 6 months to process my loan. I am a XXXX veteran and I need that money. PH Loans is responsible for my nightmare.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

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. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). 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 2023-04-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020
Consumer complaint received 2022-12-14
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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