davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (NJ)

Upon review of my EQUIFAX credit report, I am made aware of fraudulent activity on my credit file. There is a total of 9 inquiries on my report that have not been authorized by me in pursuit of any credit. These inquiries are fraudulent as i have not signed any applications for these companies nor have i made any request for the extension of credit. I have found numerous fraudulent unauthorized inquiries on my EQUIFAX file. Listed on my EQUIFAX report as of XX/XX/2023 is total of 9 fraudulent inquiries listed below : 1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX 4. XXXX, XXXX XXXX 5. XXXX XXXX, XXXX XXXX 6. XXXX ( XXXX ) I HAVE NOT AUTHORIZED ANY OF THESE COMPANIES TO ACCESS MY CREDIT FILE FOR ANY REASON. THERE HAS ALREADY BEEN A PRECEDENT SET FORTH REGARDING INQUIRY REMOVAL AS A RESULT OF IMPROPER USE OF MY USE OF MY CREDIT REPORT GIVEN THAT MY CREDIT REPORT HAS BEEN FURNISHED WITHOUT THE PROPER VERIFICATION AND CONSENT.
Consumer complaint received 2020-04-03
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. (FL)

I just went over my credit reports and I noticed that there are some false accounts that are being reported on my credit. These accounts are derogatory and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX  and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

I recently reviewed my credit report and came upon an alleged XXXX  XXXX Bankruptcy reporting on my consumer credit report. This is an error and LexisNexis has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court XXXX XXXX of Indiana notifying them of their potential violation of state and federal law by providing LexisNexis with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged BANKRUPTCY XXXX  XXXX DOCKET # : XXXX.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I scheduled an on line payment from my bank ( Citizens Bank ) to my credit card in the amount of {$15000.00} on XX/XX/XXXX to be delivered XX/XX/XXXX ( confirmation # XXXX ). The funds were in my account. I received a letter from the bank stating that they were sending a check for that amount and it would be delivered by the XXXX as scheduled. The payment was delivered on XX/XX/XXXX incurring an interest charge of {$240.00}. I have made several phone calls to Citizens Bank, been put on hold for extended periods of time, made to explain and give all the details of the issue over and over, and spoken to 6 different people over the course of a week. All have admitted that it was the banks error and they would reimburse me. One ( XXXX  ) filed a complaint with their 3rd party payer ( XXXX- case # XXXX ) stating that I would be contacted. I have not been contacted. XXXX, at first said they needed me to participate in a 3 way call with the credit card company. I agreed and told him to initiate it at that time. He immediately backed down on the suggestion and claimed that he and his supervisor ( XXXX XXXX were sending a letter to the credit card company explaining the issue and, if the credit card would not refund the money, the bank would reimburse me the full amount. He assured me that the issue would be resolved by XX/XX/XXXX. It was not. On my last call on XX/XX/XXXX, after over an hour on hold and being transferred 3 times, XXXX stated that there were not many notes in my file and he wanted to escalate this to my tech support. I was put on hold for the third time that day and left to hang there. No one ever took the call and I hung up after 30 minutes. I'm being given the royal run around. The bank made an error and expects me to pay for it. Not at all acceptable. I want the to reimburse me the {$240.00} apologize for the inconvenience theyve put me through.
Consumer complaint received 2023-06-24
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. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (AL)

This company refuses to close an inaccurate unverified account and is illegally reporting my information to third-party affiliates. I have filed a identity theft report as well as well as spoken with the company. 

The account number is : XXXX Date opened : XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

in accordance with the Fair Credit reporting act this creditor has violated my rights. Under 15 USC 1681 SEC 602, states I have the right to privacy. 15 USC 1681 SEC 604A SEC 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Resurgent Capital Services L.P, Resurgent Receivables LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of Resurgent Capital Services L.P, Resurgent Receivables LLC, or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. This kind of activity suggests you are all aiding and abetting each other in committing Securities Fraud. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ).

You are all currently aiding and abetting one another in committing fraud and extortion. By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. 
If you do not immediately remove this from my consumer report, cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft. 
Extortion is a violent crime
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am writing to formally express my extreme dissatisfaction with the recent restriction placed on my deposit accounts, and the subsequent lack of support from Capital One. On XXXX, I discovered that I was unable to access funds in my accounts. This restriction was implemented without prior warning or explanation, leaving me with no means to manage my finances.

This lack of access had immediate and severe consequences : Missed Bill Payments : Due to the inability to access my funds, multiple bills became past due, potentially impacting my credit score and incurring late fees.

Travel Disruption : Planned travel had to be cancelled as I was unable to access the necessary funds for expenses, resulting in financial loss and significant disruption to my personal schedule.

Despite repeated attempts to contact Capital One customer service throughout the weekend of XXXX, I was unable to reach a representative or receive any assistance. This complete lack of support during a critical time is unacceptable and demonstrates a serious failure in customer service. 

I demand a thorough investigation into this matter, including : A clear explanation for the account restriction. 
Details on the internal processes that led to this failure in communication and support. 
Reimbursement for any financial losses incurred due to late fees or travel cancellation costs. 
XXXX that measures will be taken to prevent similar situations from occurring in the future. 

I expect a prompt and satisfactory resolution to this complaint. I reserve the right to escalate this matter to relevant regulatory authorities if necessary.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My wife contacted Equifax yesterday regarding some fraudulent hard inquiries and inaccuracies on her credit report. The agent was very helpful and took the hard inquiry disputes without a problem. Today, less than 24 hours later, I am attempting to dispute the SAME hard inquiries listed on my account. I have spoken to 3 different representatives, supposedly 1 was a supervisor, and NONE of them will accept my dispute. All 3 agents claimed they were unable to dispute the information. I asked them if the policy has changed within the last 24 hours and I was told no. Each agent claims that hard inquiries are not disputable. I asked the agent to pull the dispute number provided to my wife so that they could verify that the information is the exact same accounts and can in fact be disputed. She pulled the file and still said these accounts are not disputable. I asked her for the name of the agent who handled my wife 's file. I was told they could not give me that information, even though the information has nothing to do with my wife 's file and is just the agent 's name. I then informed her that I would be filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I asked the agent to please connect me to the same agent that handled my wife 's case. The agent told me she was transferring my call but not to that agent. About 5 minutes later an agent named XXXX got on the phone. XXXX was very helpful and promptly disputed the hard inquiries. I believe he was the same agent that handled my wife 's dispute 's the day before. I highly recommend XXXX!!
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IA)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Here is the original complaint. No matter what I do it will not let me go back to it and add anything. 
We got another letter for them fill of more XXXX. This is outrageous. They are trying to charge us over {$400.00} in interest fees, late payments and more interest rates for an item that was paid off a month earlier!!!! Someone has to help us because this is XXXX!
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

I spoke with a Honda associate who informed me that I had 1 payment remaining for an amount of {$560.00} then when I called in for the final payment another associate by the name of XXXX told me {$1100.00} then I asked for a supervisor or manager in which she said well since I'm explaining everything to you my manager will not probably call you back then when I asked about the extra amount she couldnt explain or break it down to me Im not understanding how all these different amounts are being given to me and have yet to be broken down and explained I wasnt aware of {$1100.00} I feel the company is trying to swindle more money out of me due to my contract is ending and also asked them to go back and listen to the call the associate didnt do so and when you call it says this call is being recorded and monitored
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ThunderRoad Financial, LLC (CA)

on XX/XX/year>, thunderroad financial pulled a hard credit inquiry on my XXXX credit report, i did not give anyone on that date to pull my credit report, i aske company to furnish written proof that gave them authorazation in which they could not furnish, and i feel that this is possibl e fraud as i put a freeze on all my credit reports, i disputed with XXXX and they will not remove this inquiry, this company states they are a laon company for automobile industry, i have mot applied at any dealer or auto business, i dont have a loan with this company, credit was not granted, with anyone affiliated with thunderbird financial, i suspect fraudulant activity, unless they can prove my hard signature
Consumer complaint received 2023-06-24
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 (WA)

On several instances, Wells Fargo has overdrafted my accounts instead of directly declining it due to the lack of funds. Resulting is several hundred dollars in overdraft fees. 

XX/XX/2023 Overdrafted XXXX cents Charged by Wells Fargo {$35.00} in overdraft fees XX/XX/2023 {$49.00} charge resulting in a negative - {$23.00} left in account, overdraft fee resulting in a total - {$58.00} on the account XX/XX/2023 {$19.00} charge leaving a - {$18.00} charge on the account, overdraft fee resulting in a total of - {$53.00} on the account This is just from the RECENT statements, I can pull more from even farther back up until I opened the checking account
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

Several amounts of monies are withdrawn/hacked from my Checking Account 4-6 times yearly with Wells Fargo Bank. I have called with some issues being resolved for small amounts of monies returned ... .but not large amounts. I feel this is robbery from the financial institution that I should be able to intrust my monies with.. this feels like a facility that won't allow a loan or even a financial advisor without a fee to their customers ... and allow thieves to still from their consumers. I feel my privacy has been beyond exposed ... at this point there is absolutely no way to know who all has my information through Wells Fargo Bank. 

Loyal Customer XXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation (OH)

XXXX of XXXX  I have been going back and forth with Albert about 8 transactions. Sent them the dispute forms via text and email and just keep getting the run around with them. There were several fraudulent transactions that took place on my account in XXXX of XXXX and XXXX of XXXX  and you can only communicate with them via text no one on the phone. They have yet to solve any of these transactions and replace money that was stolen out of my account. They have went from " We received your disputes and are accelerating them '' to " send us the information all over again. Its a big circle and I am being given a hard time.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

XXXX has refused to recognize my XXXX XXXXXXXX XXXX status as determined by the XXXXXXXX XXXX XXXX, despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported XXXX accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX University XXXX XXXX  XXXX XXXX ( my bank ) sent me an alert because TransUnion dropped my credit score by more than XXXX points in a single day. It would appear that either the NCRAs or XXXX ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

TransUnion has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other XXXX, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three XXXX reports, though all three XXXX agencies are also reporting " XXXX delinquent accounts ''.