davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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: Experian Information Solutions Inc. (TX)

I have been requesting the permissible permission and copy of the credit report for XXXX XXXX XXXX XXXX XXXX # XXXX. The credit Reporting Agencies and XXXX XXXX XXXX XXXX claims it is in the mail after almost 4 years. The loan was fraudulent but XXXX XXXX XXXX XXXX denies. So, to prove their error, I have been requesting the permissible permission used to access my credit report to check me out before any permission, application, and contract. IT DOESNT EXIST AND THEY KNOW IT!. But XXXX XXXX XXXX XXXX labels every request and complaint as duplicate and after almost 4 years, I have yet to receive anything but copy of the auto contract and undated application. XXXX XXXX XXXX XXXX reports to The Credit Reporting Agencies verifying the account as correct and accurate. The XXXX XXXX Agencys role in the dispute process is to review the accuracy and completeness of any disputed item. How can valid when the permissible purpose and application doesnt exist? Both Credit Reporting Agencies and XXXX XXXX XXXX XXXX are masters of smoke and mirrors.
Consumer complaint received 2022-08-17
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)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : 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 2021-01-04
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-01-05
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. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per TransUnion. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-17
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. (PA)

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX bank- is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to equifax, XXXX, and XXXX on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. XXXX also advised me the account had been validated with my name and birth date. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? Verifying my name and birthdate is not legal validation of an account. The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-31
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. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX Transunion XXXX and XXXX, when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MNE Services, Inc (GA)

Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were fraudulently added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and removed. 
Fraudulent Accounts : 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-31
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 (NY)

I've had a Capital One Platinum card for over 8 years and never missed a payment. Capital One currently advertises this card as having no annual fee. My account, however, has a {$29.00} annual fee, which customer support has advised me is " grandfathered in '' and can't be waived. When I asked why a new customer can sign up with no annual fee, whereas a customer with 100 % on time payments for over 8 years must pay a grandfathered fee, the explanation I was given was " it's just the card terms. '' Capital One has repeatedly refused my requests to either permanently waive the annual fee, or upgrade my card to a Quicksilver Rewards card. 

This is a nothing less than a predatory practice by Capital One the only way to avoid the annual fee is to cancel the card, and absorb the resultant damage to one 's credit report. Capital One is effectively holding my credit score hostage for ransom.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except XXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (UT)

I received a voicemail from XXXX ( XXXX ) XXXX ( XXXX, MD ) from XXXX from Best Buy Credit card services in reference to a Best Buy credit application submitted in my name. I was given a reference # : XXXX and a security code : XXXX which I would need to provide when I called back to XXXX ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST. I did try the number and the automation message requested me to say the reference # which I did several times - after which it sent me to an automated voicemail stating they were closed for the holiday. I tried to call the number and hit 0 to talk to a representative and the automation asked for my Social Security # -which I did not provide and then went to the same automated message that they were closed for the holiday.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Hello, Some one used my Best Buy credit card to buy a laptop worth {$1700.00} at New York Best Buy store on XX/XX/XXXX. I wasnt alerted of the fraud for that purchase. I was at the work so didnt check my personal emails. After some time they tried to do another transaction for {$660.00} which got declined and alerted me of fraud. I responded to the text right away saying it is fraud and called the provided number on the text. Person on the call told me there is another transaction too for {$1700.00}, I confirmed that I never used the card that day and I was at work and request to cancel that card and send me a new card. Person from Citi bank said that she will dispute the charge and get them removed. The charge which were initially removed and then I received a statement on XX/XX/XXXX with {$1700.00} which was added back to the balance saying that is not fraud. I called the security team on Monday XX/XX/XXXX explaining everything, they said they will look into it and if the investigation comes back not fraud then I am supposed to back the amount. Please resolve this issue. On XX/XX/XXXX I was physically at work in New Jersey as I work in a hospital and didnt go to XXXX XXXX that day. Please check the security cameras of the store for the scammers.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2020 SPS ( Select Portfolio Servicing ) performed an " Audit '' of my mortgage account as documented by notice. Following the " Audit '' the account was paid in full with an escrow balance. The notice they sent claims the previous servicer of the account, XXXX XXXX XXXX XXXX, overcharged interest rates on the ARM, improperly adding a floor rate cap. An overpayment of {$34000.00} on an original {$48000.00} mortgage occurred. The ARM interest charge apparently had been wrong since possibly the inception of the loan, but the lender will not give the borrower the specific loan details over the lifetime of the loan. The most recent interest rate adjustment by SPS was incorrect as documented by notice.
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

We called Wells Fargo Mortgage on XX/XX/XXXX because we got a letter and check stating we had overpaid on late fees. We pay every month and on time for more than what is due. When we called to see why there were late fees, we were informed that they misapplied an EDI payment in XXXX of XXXX for {$640.00}. We advised them that it was misapplied and it was for our regular payment due. They refused to correct the issue and escalated it to a supervisor who also refused to correct the issue. I requested someone higher than the supervisor. The executive team took over and refused to correct this as well. They said that they used their logic to apply the payment and because it has been so long, they cant fix it. Since we pay by EDI, they claim its not their responsibility to make sure payments are applied correctly. They removed only {$300.00} in late fees and left our account as behind with late fees continuing to accrue unless we pay an additional {$920.00} to bring the account current, even though it was only {$640.00} misapplied. They made zero attempt in almost four years to notify us that our payment was not applied correctly. They stopped sending statements at the same time they misapplied the payment in XXXX if XXXX. We had no reason to contact them regarding not receiving statements since we were paying more than the amount due on time. They sent a partial payment letter monthly, but it always stated that they would apply the funds to the payment due once the remainder was received. This letter never stated that the account was behind or that there were late fees. We had been paying by EDI for 5 years before this and had never been told by Wells Fargo that they can not accept EDI payments or that we are fully responsible for any fees or misapplied funds. They refuse to correct the payment after they were notified it was misapplied and are holding the stance that it is our error and we are responsible for the hundreds of dollars in late fees and responsible for making a full extra payment to bring the account current.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2018-01-23
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: AMERICAN EXPRESS COMPANY (FL)

I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.
Consumer complaint received 2018-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual
Consumer complaint received 2021-12-31
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. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.