davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately These are the inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AL)

I am XXXX XXXX XXXX XXXX  XXXX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section XXXX, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2023-05-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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. (IN)

I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!
Consumer complaint received 2023-09-26
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00}
Consumer complaint received 2023-05-20
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. (VA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-20
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: WELLS FARGO & COMPANY (SC)

I have numerous times, stating the day I opened the account, that I did not want to be able to overdraft, yet it happens all the time and then Im charged overdraft fees like crazy. I have repeatedly with customer service asked this to be rectified and they make excuses and say they will fix it.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I purchased a flight with XXXX for XX/XX/XXXX from XXXX XXXX to XXXX. As per XXXX 's booking policy, I expected to receive a booking confirmation within hours of making the purchase. However, I did not receive any confirmation from XXXX and became concerned that my booking may not have gone through. 
In light of this, I decided to rebook my flight directly with XXXX XXXX to ensure that my travel arrangements were in order. I promptly canceled the XXXX flight over the phone and purchased a new one with XXXX XXXX on the same day. 
Despite my efforts to cancel the XXXX flight in a timely manner, I have not received any confirmation of the cancelation from the company. I received a booking confirmation 5 hours and 15 minutes after booking the XXXX flight. Furthermore, I have attempted to contact XXXX multiple times through their customer service channels, but have yet to receive a response. 
I contacted my credit card company, Wells Fargo, to file a dispute, which I eventually won on XX/XX/XXXX. They gave me a full refund of the disputed amount of {$980.00}. 
Today, on XX/XX/XXXX, XXXX charged that same credit card again for a new amount of {$600.00} without my authorization. They sent me an email saying that they contacted the airlines and I was a No show 3 months after the dispute was settled. 
I opened a new dispute about the same issue that same day, and am currently waiting to see what happens.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Paypal Holdings, Inc (IL)

Venmo is submitting improper cash advance requests to XXXX, resulting in cardholders being charged interest. 

In XX/XX/XXXX I noticed that interest had been accruing on my credit card, despite me paying off the balance every month. When I called XXXX, they informed me that the interest payments were related to {$60.00} sent to my sister via Venmo in XX/XX/XXXX. The representative indicated to me that the {$60.00} had been processed as a cash advance and therefore accrued interest immediately and on a daily basis. I then told the representative that while the underlying transaction was legitimate, I had not authorized Venmo to process it as a cash advance and that I would like to dispute it. The representative informed me that the only way to dispute the transaction was to dispute the entire XXXX amount. Venmo immediately deducted {$61.00} from my sisters account despite the dispute having nothing to do with her. I sent dozens of emails to Venmo and did not receive any substantive response or have the deduction reversed. 

On XX/XX/XXXX I was issued a complaint response form stating that XXXX had upheld the transaction because the services were provided - a fact that was never in dispute. In addition, Venmo claimed I was in violation of the User Agreement because I was paying for goods and services instead of sending funds to a family member. 

I then called XXXX cardmember services and was able to get ahold of someone who could process my dispute correctly, resulting in a credit being issued by XXXX. To my knowledge, Venmo has not yet restored the funds to my sisters account.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo wrongfully foreclosing on my house so I hired a lawyer who is winning the case but my credits destroyed and they claim I was a year behind on my payments and I wasn't I open an account with Wells Fargo walk-in transfer payments for the next year then they came at me and said I was 2 years behind and they tried selling my house out from under me
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Cant get credit report scores and they did not fix violations to your consumer statues and of XXXX XXXX XXXX and TransUnion XXXX gave me a D on business credit and XXXX and XXXX has me at A discrimination
Consumer complaint received 2023-05-18
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. (FL)

I am submitting this complaint for you to investigate this informations regarding the erroneousness of the accounts in my credit report. The unverified accounts indicated here in my complaint continue to report on my credit report despite several written requests. Please follow the law so that this situation can be settled quickly. Please conduct some investigations and i want some changes in my report and for that, i want a clear copy of my report without any error again. These following accounts must be in appropriate corrections XXXX XXXX XXXX XXXX  Opened XXXX. XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/ Balance : {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX XXXX  Balance : {$250.00}.
Consumer complaint received 2023-05-18
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file
Consumer complaint received 2023-05-20
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: V and H Portfolio (FL)

Hi yes I have been getting on XXXX XXXX when I checked my credit score I happen to see XXXX  XXXX XXXX XXXX for the amount of XXXX I disputed it with XXXX in XXXX XXXX and XXXX times in XXXX of this year XXXX every time I dispute it they leave it on my credit report it was open in XXXX of XXXX  is open fraudulent I have not been to XXXX XXXX XXXX XXXX in XXXX of XXXX  it also popped up on my XXXX report I disputed it they removed it some reason XXXX will not remove.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (WA)

We ( My husband and I ) bought a house and closed on the purchase earlier than we anticipated. Notified the property manager where we lived of this development and that we will be terminating the lease in XXXX of XXXX although our lease was supposed to end in XXXX of XXXX. As we can not afford to be paying a mortgage and a rent. They refused to negotiate with us despite several attempts to do so. We were billed an amount of {$7800.00} which lacked no concrete evidence. We still made several attempts to negotiate with them telling them to remove charges that were not ours, so we could pay what we are liable for but they never did. The debt was sold to a credit company called National Credit Sytems, one of their bill collectors called us and told us to just start paying in a rude manner. We took our time to tell her about the charges that were billed to us which lacked no basis, but she stated in her words 'I am not having this ' and cut the call short. Every time I or my husband called her, she made sure to threaten us with that statement ; I am putting this on your credit report in XXXX. I called her at another time and the first few responses from her to me was I am putting this on your credit report. 
Please note that we got the notice XX/XX/XXXX of XXXX, wrote XXXX letters to the bill collector who was handling our account at National Credit Systems but never got a response. 
Despite that, we went ahead and made payment on the XXXX of XXXX, XXXX so as to show commitment to paying our debt. 
Despite showing reasonable cause and intention to pay our debt, it was reported to the credit bureaus causing damage to our credit report.

My husband called the bill collector in charge and asked why our credit report was showing a debt that is currently being resolved, being paid on and the notice is not even up to 90 days as per the FCRA, her response was 'the payment made was too small which is {$50.00}. Plus, your wife was rude to me, and I told you earlier I will report it to the credit reporting bureaus '. 
For the life of me, I can not understand why someone would say {$50.00} is too small a payment to be made even when it is advised that one should payment that will not cause undue hardship on your finances and leading you into more debt.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (GA)

Between XX/XX/XXXX & XXXX, 2023 my vehicle was improperly towed by XXXX XXXX and XXXX XXXX, hired by Chrysler Capital resulting to the vehicle being immobile and sustained cosmetic damages. XXXX XXXX and XXXX XXXX is requesting me to file a claim, however apart of the claim is requesting XXXX estimated of the damages which is immediately impossible since the vehicle can not be moved without causing more damage to the front frame. I reached to Chrysler Capital to advise next steps as thatll disorient the appropriate price of the sale of vehicle at an auction and they asked me for a video from the tow truck. The towing company is refusing to provide me with that information. Chrysler Capital XXXX XXXX XXXX and XXXX XXXX and refuse to reach out to them for the release of the video. This is going to result in me ultimately owing an alleged amount on the vehicle due to the negligence on both Chrysler Capital XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX behalf. During the time of pickup, Chrysler Capital failed to abide by Maryland state laws regarding repossession. Also during this time frame, after contacting U.S. Department of Transportation XXXX XXXX XXXX XXXX XXXX I also discovered XXXX is actually in lapse on insurance protection against property towed.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a capital one credit card.In XX/XX/22 I purchased an air conditioner online with my card. I found out the next day that the company was fraudulent. I notified Capital One of of this.They froze my account while they investigated the company website. In XXXX after I made my payment on my account it left a balance of {$210.00} which matched the amount I had in rewards cash.So I thought they would go ahead and unfreeze my account and take the rewards and pay off my balance.But they havent and every time I call to resolve this issue.All they want to do is argue and wont tell me when my account can be reopened so I can close my account. I ripped my card up long ago.They wont open it back up so I can put this behind me.And to add salt to the wound they have tried to destroy my credit.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-05-19
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that Exeter finance has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

Was contacted by a ( XXXX ) area code number which caller ID identified as coming from New Jersey. I had already found this suspicious as ( XXXX ) is a California area code. When I answered the phone I spoke to a male who claimed he was from Phoenix Financial Services. Again, strange as the actual financial services uses a ( XXXX ) telephone number. Was told I owed some unspecified amount to an ambulance company and when I pressed for more information I was asked to verify my date of birth. The man on the phone then said what he gathered was my birthday and asked me to confirm. I refused to acknowledge and told him I would not provide any information unless he tells me what this amount is related to. He once again tried to pressure me to confirming my DOB which I then told him to go away and hung up.
Consumer complaint received 2023-05-20
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)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2023-05-19
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: CREDIT ACCEPTANCE CORPORATION (MI)

The company Credit Acceptance Corp on XX/XX/2020 I was lied to by my cousin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX to co-signed for a Auto Loan to get a truck and after a couple months he can take it out of my name and take over the payments and that was all a lie he has not been making payments on this account which is affecting my credit report I also tryed to take him to court to have his money garnish to pay this off with no luck