davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MD)

On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

Around XX/XX/year> I disputed a transaction with Ally Bank regarding a charge for {$89.00} assessed to my XXXX XXXX XXXX  Account by the merchant XXXX XXXX as this merchant never sent the merchandise. Ally bank made me wait about XXXX calendar days only to tell me they sided with the fraudulent company. Ally Bank informed me that I would have to reopen my claim, which I did in XX/XX/year>.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I paid off my capital one credit card XXXX and it has been inactive since, I have charged {$0.00} to the card since payoff. The company assessed an annual membership fee of {$39.00} and I was charged +200 % in fees with negative credit reporting threats.
Consumer complaint received 2023-06-23
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: CLGF Holdco 1, LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I would like to dispute a Capital one Bank USA located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Consumer complaint received 2023-06-23
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-23
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. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately USBK COURT NEW JERSEY - 1920848 - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account - Your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. The FTC has publicly stated that your public record information is often inaccurate XXXXXXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/23, we opened a credit card with Wells Fargo Bank. During the process, their computer system did not correctly put my legal name on the credit card, even though it appears on my Wells Fargo account and debit card the correct way. It has enough room to fit it ( 19 of 21 characters ). My banker could not fix this, the system would not let her. When my name came up incorrectly on the pin pad, there was no way for her to fix it. She called what I assume was the bank/employee help line and she was told we could fix it in XXXX XXXX by calling a number. That my credit card would be reissued with my correct last name at that point. So XXXX XXXX later, I called the number I was given. I was told suddenly it would not be fixed, it would be 7-10 days before paperwork arrived at my house ( probably more with mail as it is ). This is NOT what the company told our banker. I was told it would/could be fixed the next day. I escalated this immediately to the " Executive Office '' as this is NOT what I was told. I got a long confirmation/case number and was told I would get a call in two days. When this did not happen, I called them today, Friday, XX/XX/23. I was then told oh no, it takes 7-10 business days for them to call you back, then 7-10 business days for paperwork, then 7-10 business days for them to fix it when they get the paperwork and yet another 7-10 days for them to mail me the correct card. Suddenly an error with the application process ( mostly their computer system making the mistake and not letting their bankers fix it, and the woman at Wells Fargot employee help line giving the banker the wrong information for me that was supposed to be XXXX XXXX later is now 40 days to rectify this!!! I caught this error before the process was completed and their bankers were unable to make this correct on their end due to the Wells Fargo computer system, further, the bankers life line to the company was incorrect on how to fix this! I want to repeat that my name fits on my Wells Fargo debit card and account. It is 19 of 21 characters but their system does not correctly put names on the card. I have tried to remediate this myself and Im getting lies and non-response.
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have disputed numerous times to have this account removed. They never provided me with the verification I requested. I filed a complaint with XXXX XXXX XXXX account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a 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 instructions. Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.
Consumer complaint received 2023-06-22
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. (MD)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.
Consumer complaint received 2023-06-23
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. (AL)

XX/XX/XXXX A dispute has bee filed with each Credit Agency. Equifax, XXXX and XXXX, XXXX XXXX XXXX. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the Equifax data breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXXXXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more times.XXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.
Consumer complaint received 2023-06-23
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-06-23
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. (MA)

I disputed the account from XXXX XXXX  that is on my credit report with Experian because I was affected by the pandemic, I was hospitalized for XXXX XXXX and because of this I lost my job, an error that I found with the account being reported by Experian is that the name of the account is wrong, the account was opened with XXXX XXXX but theres no name for the account, no store name on the account, I want this account to be deleted because there is an error on it. Information on a credit report needs to be 100 % accurate by law, as errors can and will affect the ability of getting approved for other loans. I disputed this account because of the pandemic, I fell behind because of a job loss and the creditor never tried to help me. The account # is XXXX. XXXX XXXX is not the name that was on the credit card and that is what Experian is reporting on my credit report.
Consumer complaint received 2023-06-23
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: Madison Auto, LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-06-23
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: CITIBANK, N.A. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (AL)

Previously I had opened up 2 loans in which 1 has been paid in full. However, the company 's name for the current loan is correct ( XXXX XXXX ) but 2nd personal loan is showing up as " paid off '' and yet the name of the company is not correct. This company is not one that I even recognize ( SST ). However, it shows up twice on my credit reports. The company is listed under the name " SST '' This company states that the two loans were recently " paid off. '' The 1st loan for {$10000.00} says it was paid off and closed in XX/XX/XXXX. The 2nd personal loan for {$10000.00} states it was closed on XX/XX/XXXX. 

The company " SST '' is not a company that I have ever opened up a loan under. 

I am needing this company, which is listed twice on my credit reports, removed from my credit and removed from all of the credit reporting agencies. 

My credit score has dropped over 14 points due to this company reporting 2 personal loans, and reporting that the 2 loans had been opened and closed. Showing both had closed very recently. 

I have read other individuals posts on this company and who are in the same boat as me, and they all state that it's hurt their credit rating, as well. 

I am asking for your assistance, to help me in having this company removed from all of my credit reports and removed from all of the credit reporting agencies. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2017-01-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

I have had a home equity line of credit for several years. For the majority of those years I have paid more than the interest only amount requested. Many times I received a payment coupon stating that I had {$0.00} amount due. I still paid an amount. I had assumed this over payment went to principal. Recently I have written on both my coupon and my check that I wanted overage amounts to be applied to principal. The last two months I noticed that the coupon stated that I either owed less or {$0.00} the next month leading me to believe that the principal payment was not made. I called last month and the current month and requested that the over payment be made to the principal. Both times I was told that I had an 'interest shortage ' stemming from 2015 when I did not make a payment based on the coupon stating that none was owed. I requested an audit of my account both times and have not received anything. Further, because I have paid over the amount for years, including when the coupon stated that I did not owe anything, I can not understand how it is possible to have 'interest shortages. ' If the over amount did not pay down the principal and did not pay forward interest, what are they doing with my money? Please look into this for me. Thank you.