davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

hi On XX/XX/XXXX sunday aftermoon. 
Me, my wife and my dougther we were together to deposit total of {$15000.00} cash at the atm of bank of america in XXXX XXXX XXXX. during the deposit the atm return two of {$100.00} and eat {$2300.00}. The next following monday XX/XX/XXXX I went in to bank ask them for help.I was expect they can check that atm right away. But they told me there is nothing they can do about it and told me to call the number on atm machine. while I go look for the number I notice that the atm we used to deposit has been shut down. I assume must something wrong with that atm machine. soon as I got home I call the number right away and file a claim of {$2700.00} ( cause the guy on the phone misunderstand what I said ). Afther almost a month and half XX/XX/XXXX I recvied a message from bank of america say they didn't find any additional money. They are took too long to solve the problem. I worry that atm might give the money to someone who withdrawal the money.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XX/XX/XXXX {$1300.00}XX/XX/XXXX {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-10
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. (PA)

I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX  XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I received a letter from Capital One through CFPB Complaints Portal in which Capital One Customer Advocacy Office stated that I am not eligible for a credit increase.

It has been over two years since I have been applying for a credit increase and we now on XX/XX/XXXX and still no credit increase. 
Have utilize XXXX and I am always decline because of XX/XX/XXXX.

My XX/XX/XXXXis around {$57000.00} and my income never reduces as a Lifetime income with 3 % COLA increase every year on XX/XX/XXXX and is XX/XX/XXXX. 
Capital One has a copy of my award letter of XX/XX/XXXX income that was settle in State and Federal Court in California in XXXX alongside with my XX/XX/XXXX. 
{$750.00} credit limit is not enough to make purchases in California as California Cost of Living is very expensive. 
Also I am going through a VA Loan process on home purchase in Texas and I respectfully requesting for my credit limit increase as my credit usage on my Capital One Master Card ending # XXXX is over 30 % if I get a higher credit limit over {$750.00} my VA Loan for a home purchase with be Approved. 

I am respectfully requesting that Capital One will approve and increase my credit limit over {$750.00} and accomondate me on my XXXX XXXX Civil Rights Act under Department of Justice. 
I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX XXXX.
Consumer complaint received 2021-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off ( Opened Account XX/XX/2014 ) from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX (  XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting
Consumer complaint received 2021-01-08
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-08
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. (NY)

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX  and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$390.00}, {$800.00}. 
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, XXXX XXXX, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

I was contacted by National Credit Adjusters on XX/XX/XXXX. The company is trying to collect a debt that does not belong to me. Also, this company is not complying with the FCRA, according to the SC statue limitations for debt collecting is 3 years. The date on the bill is dated XX/XX/XXXX. The bill amount is for {$900.00}, I will be sending them a certified validation dispute in the mail on XXXX asking for signed contracts and proof that the account belongs to me.
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (NV)

I received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2021-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent a letter to the creditor as well that states their letter that you are reporting this account accurately. Well, I disagree. I would like to see all documents you used to verify the account listed above. Please dont send me a simple letter stating that you have already verified the accounts ; I would like to see real proof. Pursuant 15usc 1692b ( 2 ) no state that such consumer owes any debt. This issue has become a problem, your corporation has ruined my reputation and this is a violation under 15usc1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Please be so kind and delete this false and alleged information from all my consumer reports and I demand an apology.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (GA)

In XX/XX/XXXX, I was offered a business credit card for XXXX XXXX, with a {$25000.00} limit. Upon using the card in early XXXX, I noticed a major increase in credit utilization and a drastic drop in my personal XXXX XXXX, from XXXX to the XXXX. 

Furious, I contacted XXXX Bank to inquire why this business credit card was being reported on my personal credit report. I was not a personal guarantor for this account, and as such, it should not appear on my personal credit file. Despite my efforts to resolve the matter, no corrective action has been taken as of XX/XX/XXXX. 

This error has severely damaged my business and personal credit as a real estate investor, preventing me from making new property purchases and forcing me to accept higher interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), business accounts should not impact personal credit unless specific terms, such as personal guarantees, apply. I request the immediate removal of this account from my personal credit report, as it is negatively affecting my personal and business financial standing.
Consumer complaint received 2021-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello I've sent multiple letters from XX/XX/2020 up until XX/XX/2020 disputing the accounts on my credit report. The the credit bureaus keep saying they have been verified but they have not sent any proof supporting their investigation. I seriously need help with this as it is affecting my credit.
Consumer complaint received 2021-01-10
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: GreenSky, LLC (NV)

I noticed a hard credit inquiry made on my XXXX  credit report by " Greensky  Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX  is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upgrade, Inc. (IL)

After reviewing my credit report I noticed that my upgrade account has incorrect balances as well as the balances are in consistent on all 3 reporting agencies. that does not seem right to have 3 different balances for this account on all 3 reporting agencies. It should be the same for all 3 reporting agencies. I have spoken to upgrade to re submit the correct balances which they assured me they would do when I spoke with them on XXXX/XXXX/20. I have submitted multiple disputes to the reporting agencies to correct my balances but nothing as been corrected yet.
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Disputed this account Several times over 2 years but always come back verified even if the account is not 100 percent accurate when XXXX  say the account is under collection & TransUnion say the account is Open, which is inaccurate and a violation under the FCRA & FDCPA Account Name : XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Company sent dunning letter. 
I sent a validation letter asking for debt validation which is my right under FDCPA Company sent a letter NOT providing information I requested and ignored validating the debt. 
I sent a 2nd validation letter indicating they did NOT provided me with what I asked for, therefore, they are unable to validate this debt. I would like for this account to be removed for it is damaging my credit. 
XX/XX/XXXX and XX/XX/XXXXare reporting this debt which is a FCRA violation because they are reporting information that can not be verified.
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-01-08
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)

EQUIFAX has my credit history mixed with my sister 's, who has a similar name and social security number. Despite numerous attempts speaking to them via phone calls since XXXX 2020, it has not been fixed. I have faxed over my identity proof and proof of established credit as per their request and they claimed that they never received the faxed documents. I have sent certified mails of the same documents and received back a generic letter that EQUIFAX could not locate my identity - even though I have included the requested documents to specifically establish and prove my identity and credit history.
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reported XXXX different credit card accounts to XXXX major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts. 
I have never applied nor used these accounts for my self benefit. 
My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. 
Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. 
I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I just called Experian to remove 3 inquiries off of my report on XX/XX/XXXX Their policy is that they can remove any off of the report if within 30 days of the 2 year limit for inquiries. 
I have never had a problem with them until now on this. 
I have 3 inquiries that the inquiry date was on XX/XX/XXXX. 
The government law states the limit by law is to be no more than 2 years for inquiries from the beginning of the date to the end date ( in this case XXXX XXXX - XXXX XXXX XXXX. 

This lady is trying to tell me that I can request the 30 day early removal for these inquiries on XX/XX/XXXX since it won't officially be removed till XX/XX/XXXX. 
This is not what the law states.