davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Good afternoon! I am filing a complaint in regards to a Capital One account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & Capital One, nor XXXX, XXXX XXXX XXXX Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to XXXX as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from Capital One or XXXX. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXX was not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.
Consumer complaint received 2020-02-19
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. (GA)

I have a charge-off reporting on my credit file with Experian. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My issue is multifaceted. XXXX XXXX is a mobile tool company that visits auto shops to provide tools and payment processing for its customers. The rep. who handles my reoccurring payments quit abruptly and with no notice. As it turns out, payments I thought were reoccurring were actually manually processed by the rep. weekly. As a result, my payment was delayed by an excess of 30 days. 

I contacted XXXX as soon as I got the alert in my report and squared my bill, even paying it off early some months later. I have since requested the late payment reporting be removed based on the obvious communication breakdown due to events outside of the norm, and subsequent sound payment history. The initial XXXX  rep I spoke with refused outright and told me his word was law and there was nothing I could do and no one else I can speak with. The second rep I spoke with told me to dispute it through the credit bureau. Which I had already done. 

I called Transunion to get more information about the dispute and was simply told the account was updated. It took about a half hour of continuous grilling to figure out exactly what was updated, considering the late payment was still visible on the account. 

As it turns out, irrelevant details were amended, but the specific reason for my dispute was ignored. I asked the Transunion rep about this and was told the company didn't respond to the particular reason for my dispute and that I was free to file a second dispute. I pressed the Transunion rep to call XXXX while I waited on hold. Upon returning to the line, I was told that XXXX more or less wouldn't speak to the Transunion rep, and that I needed to file a dispute through XXXX to get the issue amended. When questioned on how an investigation can be completed if the accused party can simply refuse to speak to the investigative one, I wasn't given a sufficient answer. I called XXXX to file a dispute and was told by a rep the payment history was too old to be amended and that they wouldn't change it. 

My issue is against XXXX XXXX ' refusal to reasonably handle and investigate disputes concerning the accuracy of credit reporting, and Transunion 's negligence and spinelessness in conducting an investigation to a reasonable conclusion. This is not the way our system is suppose to work.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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/year> TransUnion 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/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-24
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. (NV)

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile
Consumer complaint received 2024-10-29
Product: Credit reporting 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (CT)

Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.
Consumer complaint received 2020-02-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I don't have dates but for a year this company has been harassing me by calling my employers and calling friends and family members. Last week they called my current boss and told him they were looking for me for a red light camera ticket in XXXX. I've never been to XXXX and since I am a XXXX XXXX my manager was concerned and forwarded me their contact #. I called them back in XX/XX/2019 and they said they were going to serve me and I never received any information. Now recently they are starting to call again. The debt is over 10 years old and doesn't show on my credit. They told me last week they were going to serve me at my job. After speaking to them the debt is from a bank as a payday loan was taking money from a old bank account I had.
Consumer complaint received 2020-02-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (SC)

I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (NY)

I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NC)

I deposited my XXXX  XXXX  check of XXXX dollars and XXXX cash into the atm. BB & T decided to hold all of the funds for 7 business and charged my account {$72.00} dollars in overdraft fees. They held my cash and did not even make it available. I went in to the branch and they reversed {$38.00} dollars. I 100 % believe this was not legal and I want all penalties reversed and returned to me.
Consumer complaint received 2020-02-09
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to Discover and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE LENDERS OF AMERICA (MA)

I closed on a conventional mortgage with XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX for a single family home. In late XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and that payments beginning in XX/XX/XXXX must be made to XXXX  ; the letter also stated that my payment due XX/XX/XXXX should be mailed to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. A payment was submitted via XXXX  XXXX XXXX online bill pay which arrived on XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX , XXXX . ( XXXX ). In late XX/XX/XXXX I received a statement from XXXX dated XX/XX/XXXX indicating that my payment due XX/XX/XXXX had never been received and that another payment would be due in XX/XX/XXXX. I called XXXX at XXXX on XX/XX/XXXX to discuss the discrepancies on the XX/XX/XXXX statement and spoke with a representative named XXXX ( no last name was given ). She said that the XX/XX/XXXX statement erroneously reported the XX/XX/XXXX payment would be due, and that I should not make that payment to XXXX. She also stated that she had no record of the letter dated XX/XX/XXXX indicating that my mortgage had been sold to XXXX, and that I should be paying XXXX ( I later learned independently of XXXX that XXXX is a subservicer of XXXX loans ). Further, she stated that my XX/XX/XXXX payment to XXXX should not have been sent to XXXX XXXX XXXX # XXXX, XXXX, IL but that it should have been sent to XXXX XXXX XXXX, XXXX, PA XXXX as indicated on a statement I received in late XXXX, several weeks after my payment was due. She informed me that my payment would not be considered past due by my new mortgage servicer ( XXXX/XXXX  ) and that I should not send any more payments to XXXX because they would be received after XX/XX/XXXX, when XXXX/XXXX  took over servicing of my mortgage. Based upon that conversation I did not send any further payment to XXXX. I had already paid my XX/XX/XXXX payment to XXXX  via ACH transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating that I was past due on 2 mortgage payments, due XX/XX/XXXX and XX/XX/XXXX, respectively and that XXXX has " a right to invoke foreclosure based on the terms of [ my ] mortgage contract ''. I have not been able to reach a customer service agent at XXXX regarding this latest letter but at this point I have no confidence that XXXX can resolve these continued errors without outside intervention.
Consumer complaint received 2020-02-09
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. (IL)

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX  is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.
Consumer complaint received 2020-02-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Without my authorization, Wells Fargo steals my direct deposit and pays mortgage that is not due, thus my other bills are not getting paid. They have closed my online account so I can not correct this. I am on XXXX and they are also stealing my other payments and putting me in jeopardy of not paying bills. HELP
Consumer complaint received 2024-11-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX, I suddenly lost access to my Citi Accelerate Account. 

The next day or so, I called their customer support and they could not verify my accounts existence, apparently account was suspended. 

The following day I called Citi Fraud Department, and then I was notified that there was no fraud but there is some investigation going on the account. 

On XX/XX/XXXX, I received email ( attached here ), that my account will automatically close within 60 days. 

Same day or next, I called their phone line and I was told the available balance of around XXXX. Still, no explanation of why the account was closed. They also mentioned I will receive a letter detailing account closure and that I can visit a Citi branch to see if I am allowed to transfer the amount earlier than 30 60 days. I followed up with a visit to a Citi branch in XXXX, and they said their account is not linked to the US system. Currently, I am traveling in XXXX. 

All this time, I can't even see what is in my account. Also, I can not transfer my available balance to other financial institutions. I dont find this to make any sense because my XXXX XXXX XXXXXXXX account is verified with Citi as I made my transfers to the Citi account from my XXXX XXXX XXXXXXXX account few times . I don't see why they can't give me the options to send the amount back to where it originated from. 

Also, I haven't received the letter detailing why may account is closed, nor have I received a check for the balance from Citi. 

Resolution I seek.

1. Please inform me exactly why my account is closed.

2. Allow me to see my account activities as well as make on final transfer to my XXXX XXXX XXXX account as it is already verified with Citi.