davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2019 I sent a letter to Equifax asking them send me documents that the company uses to verified accounts listed on my credit report per the Fair Credit Act, 15 U.S.C. 1681g. In response to my letter, I was sent a letter on XX/XX/2019 stating that my account was not found and to send verification such an ID SS card or a bill. This letter was an attempt to stop me for receiving and documents that I was entitled to, due to the fact that my credit account was updated the month prior for my name and address and my ID with my SS Card was included. I called the company on XX/XX/XXXX or XX/XX/XXXX after receiving the letter. My account was verified at the beginning of the call. Next I gave the representative the reference number that was given to me by the company verifying that the company had updated my account on XX/XX/2019, with this previous dispute I sent along with a photo ID an SS Card. At this point I have verified that my account x2. I was told after verifying my account that I will have to send my identification again. I spoke to the manager that comfirmed for the 3rd time that they do have my account, a copy of my ID and SS card and still need this information to find my account. I stated to the rep that you have my indentification on file, in which he agreed that that my identification was on file but stated I still needed to send this information an that it is policy for the company. I requested that in writing and was told there is nothing in writing. After the conversation and as of today I did not receive a report status, documentations verifyiing my account, nor the policy stating I had to send my identification after my account was verified. It has been well over 60 days.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

My card was closed by mistake and I tried to have it opened. They said sure no problem we could open it, then they told me they can't because they no longer offer this card but otherwise we would be able to open it. 

This is a complete lie, see link below that the card is still being offered : https : XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX This is a complaint against TRANS UNIONXXXX . My problem started when I purchased a house located at XXXX  XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They were unable to provide me with the information I requested and would not help me confirm the identity of the account user.

I WOULD LIKE THIS TO BE INVESTIGATED IMMEDIATELY. THE INACCURACIES ARE VERY HARMFUL TO MY CREDIT SCORE. *AMERICAN EXPRESS IS LISTED WITH OVER 90 DAYS OF LATE PAYMENTS. And they update late payments every month, knowing that these accounts are fraudulent. They have no documents to show that I applied for the loan from AMERICA EXPRESS in the amount of XXXX and XXXX other banks pursuant to the FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VIE SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I CAN FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR FURTHER INVESTIGATION.

I request that you remove these fraudulently opened accounts from XXXX, TransUnion, and XXXX. I am attaching a copy of the police report for identity theft. I am attaching my XXXX electric bill and my XXXX to date lease which confirms my address at the time of the incident and I still live at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections department sends monthly unpaid reports to XXXX, Trans Union and XXXX. I can't pay for something I never bought. I never signed anything. It's a fraudulent account, I tried to file complaints with XXXX trans union XXXX XXXX They always reject my complaint these three corporations do a very bad job they don't verify the documentation with the banking entities they only transfer what the banks said if bank x says the customer didn't pay 5 years ago they don't verify they only publish it in your credit report that hurts the user terribly. I am asking for help. Please this has to stop. My credit is ruined by criminals using my identity. I have never applied for a loan or a credit card.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (PA)

In early XX/XX/XXXX, I noticed a few inquiries on my credit report that I didnt initiate. One account was opened with Genesisfs Card Services, which services XXXX XXXX. Around {$1000.00} was opened, and a {$990.00} purchase was made on XX/XX/XXXX - the company provided me the receipt but most of it along with any supporting documents were not legible. I also filed a police report with XXXX XXXX ( my hometown ) around the same time, but requests to them were not successful and they couldnt find a record of my report. In XX/XX/XXXX, Genesis sent me a letter stating the case was not found in my favor due to receipt and their ability to contact me at the listed address. Exact written reason was : Billing statements and/ or written correspondences have been sent to you at an address you confirmed as your current or previous address. Documentation supporting our investigation is enclosed ( but not readable ). Merchant provided records confirm delivery at your current or previous address. 

Please help resolve this, as I did not authorize this or request a XXXX XXXX credit card,
Consumer complaint received 2019-08-09
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: DISCOVER BANK (NJ)

I suffered a major XXXX event and was in various hospitals for 6 months ( and can easily document same ). Because Discover Financial had switched me to " Paperless Billing '' and had an incorrect email address, those people monitoring my finances during my hospitalization were unaware of payments due to Discover. When Discover finally  reached out via actual mail & phone my payments were 3 months in arrears. My wife immediately contacted them, paid the account up-to-date, and Discover waved all late fees. However, I have since " discovered '' that they are destroying my credit report, reporting 3 late payments with one being 120+ in arrears. When I explained this, they refused to repair the information, claiming it is illegal under the Fair Credit Reporting Act to fix negative information that is the result of their error ( XXXX tells me they bounced Discover 's emails back to them, but Discover ignored the messages, and Discover waited 3 months to use the telephone number they had on file ). I am also told that there is discretionary rules that WOULD allow Discover to repair the damage they have done, but they refuse to do so. This false information is ruining what was an excellent credit score and costing me greatly, I desperately NEED this repaired.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

LVNV funding is continuing to respond with every complaint with a credit card statement from the original creditor. 

This company is continuing to report to the credit bureaus as a factoring company, however a factoring company purchases debts that are in good standing and holds them while collecting payments. This company is not my original creditor and therefore does not have the right to report as a factoring company on my report. Also please send me the customer agreement that contains the arbitration clause by the credit card company that this debt was purchased from. This company is not immune from the arbitration agreement and I will be bringing this matter to arbitration via XXXX  in which this collection company would have to pay all my fees and other fees associated with the arbitration. I need you to produce the arbitration agreement clause with my name on it from the original creditor
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

These accounts were not authorized by me and are a result of identity theft. I have taken steps to address this issue by submitting an identity theft affidavit to the Federal Trade Commission ( FTC ). Please update my report, and remove these items from my report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I checked my credit report and noticed I had fraudulent unauthorized inquiries on my Equifax report that have been reinserted on my credit. I did not consent to authorize, nor benefit from the following inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-08-09
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: EQUIFAX, INC. (AL)

I HAVE NEVER WENT TO XXXX XXXX XXXX. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne Bank closed my secured credit card in XX/XX/2019 with no reason, then they refused to issue me a refund of my refundable deposit of {$340.00} which was used as a security deposit for the closed account. I have written to them three letters in the past 6 month with no response. I have tried calling many time with no result. Please advise what legal action I must took in order to get my deposit refunded.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been diligently trying to access the Capital One general website to go in and access my credit card and pay my bill. For over 2 months, I can not get into any of the Capital One sites. The general dashboard that pops up when trying to access, which I have used since 2012, no longer appears. There is a " generic '' screen which askes for a log in ( which I have also tried using my current log in and password to no avail ) and is basically for the new Venture card. I have called and spoke with customer service several times -- either I can not understand the rep, or I am put on hold for crazy-long periods of time while my answer is being " researched ''???? Updated my computer, browser, etc., but this is a real issue for me. I am seriously concerned about this. 

Attached documents for your review. Thank you.
Consumer complaint received 2019-08-09
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. (AZ)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX and XXXX XXXX
Consumer complaint received 2019-08-09
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. (AZ)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : 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 and XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX answers to CFPB USAA says I knew I recieved goods. They defamed me to XXXX  that I am a crook. They alleged I Reporded Fraud to steal funds. USAA needs to view their own statement XX/XX/XXXX. See attarched. There are No Adjustment Purchases Credits to begin an investigation. There are only Merchants Credits. My balance was zero. Two merchants credirs totalling {$340.00} applied. No temporary credits from USAA no Permanet Credits from USAA. CLEARLY I DID NOT REPORT FRAUD ON THE XXXX XXXX {$120.00} UNTIL IT APPEARED AS A NEW PURCHASE XX/XX/XXXX. USAA DESTOYED MY CREDIT AND DEFAMED MY GOOD NAME. I have made USAA aware the statements prove they are wrong to no avail.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.

I do not recognize XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Follows is copy of a complaint filed on the website of the creditor XXXX/Firstmark == XXXX XX/XX/2020 I seem to recall seeing verbiage on the website says something to the effect of " being committed to making loan repayment as easy as possible. '' Following is a accounting of an failed attempt to pay a debt in full using a valid instrument. 

Proceeds to pay-off my loan were secured and transmitted to XXXX/Firstmark with supporting documentation. The payment was confirmed as received by XXXX/Firstmark, and a confirmation number received. After several days, the account showed " Payment Reversed. '' I conducted several individual phone-calls to the issuer of the funds ( XXXX XXXX ) and to XXXX/Firstmark, as well as a conference-call including representatives of both these entities wherein receipt of the funds and validity of the submitted instrument were verified. Representatives of both entities acknowledged ( on a recorded line ) that i had committed no transactional error. At the conclusion of these communications, XXXX/Firstmark failed to receive the payment and settle the debt. 

If i committed no error, and the instrument used to repay the debt was verified as valid, i can only conclude that it is a failure of XXXX/Firstmark to live to its creed. XXXX/Firstmark 's relation to Nelnet is particularly noisome to me, and emphasizes XXXX/Firstmark 's its failure to " walk its talk. '' Please be advised that copy of this complaint will be forwarded to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bright Capital Inc (MD)

I was basically scammed. I have XXXX ach fee charges, when I had money in my account. I was told that in a weeks time I would get my money back and still havent. I e talked to XXXX supposed agents and still no results but empty lies. I lost $ XXXX charges that should have never happened.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XXXX Quick Pay at CHASE has a very specific definitions of fraud : if you didnt authorize the financial transaction, it is fraud. If you authorized it, even if you got ripped off, it isnt fraud. Federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. 
XX/XX/2019 I was taken by ambulance to XXXX XXXX Hospital in XXXX XXXX, California for emergency XXXX XXXX. On XX/XX/2019, while XXXX XXXX in the hospital, Ir was the victim of bank fraud via XXXX. {$740.00} was sent to a XXXX XXXX. I have never heard of XXXX XXXX and did not authorize these payments. Despite providing Chase with proof of hospitalization, the damage to my cellphone making use of that device by anyone impossible -verified by XXXX- Chase representatives acknowledging that had no knowledge of the transactions, did not authorize the transactions, nor was my cellphone used to make the transactions, Chase has refused to refund the money stolen from my account. 
" In cases where a consumers bank account or debit card have been compromised, and unauthorized XXXX payments made, consumers have rights under the Electronic Funds Transfer Act. '' -- As defined by XXXX, fraud is unwarranted transactions There is no question that the transactions to XXXX XXXX were NOT authorized. That is the sole criteria -- were the transactions authorized? NO, they were not authorized The fact that Chase can't figure out how the unauthorized transactions took place does not negate the essential point that these transactions were unauthorized. If law enforcement cant figure out how a sophisticated crime was committed, that doesnt mean no crime took place. Robbery, be it with a gun, a fountain pen or unauthorized access to a bank account, is still robbery. There was a known data breach prior to this incident in which my passwords were potentially compromised. I only became aware of this recently. Chase probably knew all along. 
Individual Chase employees have advocated for their institution to refund my money, but Chase says even though I didnt authorize the transaction, nor knew anything about them, they still refuse to refund my money.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

I leased a XXXX  XXXX XXXX  back on XX/XX/2017. 

Upon leasing the car, i set up a direct debit payment plan so i would not of had to manually pay each month. 

In XXXX of 2017 i received a notification that my first payment was not made although i set up the auto debit. 

I reached out to Honda numerous times throughout the last 2 years to remove the derogatory mark from my credit report, although they have owned up to their mistake, my credit report still shows the derogatory mark of one late payment of XXXX. 

I supporting documentation from Honda stating that they removed their late and that i do not have a derogatory. I then had to mail this form along with an explanation and a bank statement to XXXX, XXXX and XXXX. 

Please have XXXX, XXXX  and XXXX remove the mark, thank you,
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

Im a costumer of Discover card for two years And just find out they are taking advantage of me over charging my account with late fees when I always pay my account on time. Am not being reported late to the credit Bureau but discover card always charge me a {$39.00} dollars fee every month and its illegal for them to do so when and not late and appear to be late in the credit department, I just find out they been doing this for more than a year so I need your Help.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.