davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have severe health issues and use a lower limit ( Capital One ) Card for my son to order his meals and for a few auto-payments. My son had this card attached to his XXXX account and one of his online friends guessed his password and began using my card to " gift '' XXXX credits. I have never used this card for XXXX purchases and the charges to XXXX began last XXXX and increased in size and frequency. my son makes a lot of small purchases from XXXX XXXX  and I never saw anything other than that when I'd look at the last few purchases from time to time. 
I paid off a XXXX balance last month not realizing that thousands were from fraudulent XXXX purchases. Finally the card got declined and only then did Capitol One reach out to me ( while I was also realizing something was wrong ) at the very end saying there's suspicious activity. 
I explained my health situation ( I have full body Type XXXX XXXX also known as " the XXXX XXXX '' ) I am in constant treatments and often my discomfort and pain is too high for me to read or drive or even talk. I told them about my health situation. I also stressed that by XXXX it would be clear to ANYONE ( the charges began in XXXX ) looking at my statement that there were increasing amounts ( $ XXXX per week ) and I didn't get any alert for this. The total amount taken from me was {$8200.00}. I am being told that they will only reimburse the fraud from the last 120 days so that leaves thousands that I don't get back. 
It is mind boggling that SO many increasingly large charges FROM the same vendor in INCREASING frequency didn't prompt an alert from Capital One. I never have this issue with XXXX XXXX and had this been my XXXX XXXX I would've been notified in plenty of time to catch this. 
When fraud is this clear the Credit Card companies should be liable for their own lack of basic fraud protection to customers. I believe they were negligent as {$300.00} per week spiraled into {$1000.00} and STILL NO alert. Now because of my health issues I have no way to get three months of fraudulent charges back. The frequency and amount were clear indications of fraud. Capitol One has a fiduciary duty to protect me from fraud and they failed but I have to pay. They will never get my business again. Fraud protection should be mandated to at least catch these OBVIOUS EGREGIOUS patterns, and not everyone is able to be vigilant over every account at all times... .while fighting for their life.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Dear Sir I am writing to you that I just learnt that all my following credit card accounts with Synchrony Bank have been closed. 
XXXX Credit Card # XXXX Score Rewards Card. 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX Lowes XXXX XXXX XXXX 
Upon enquiring with the customer service supervisor, I am told that I am a high risk and the bank fears that I wont be able to pay credit cards balances in the future thats why all my credit cards are closed. This is not a correct evaluation and very disturbing to me. 

Please note that I have an excellent credit history for past many years with XXXX  score of XXXX plus. I have paid all my account balances in full and on time. My high income & expenditures justifies my credit card limits. If needed I can provide my income proof to justify the same. There has been a stable increase in my income and in my credit score over the past several years. 
I request you to kindly revisit all my credit card accounts and help me restore my credit card privileges. This is the second time my accounts have been closed. Please note that I have not done anything wrong and I had been a good customer of Synchrony Bank. This immediate closure of my well established credit card accounts due to erroneous reason will hurt my credit score unnecessarily. I feel I am discriminated due to my race or my religion. I have a healthy business and my good credit score is very crucial to me at all times. If there is anything required from my side I am willing to submit the same to you. 
Your cooperation and immediate attention to this matter in requested.
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (GA)

Experian refuses to reinvestigate accounts that were " certified '' by a creditor which is a violation of FDCPA. I filed a police report on XX/XX/2020 and submitted it to Experian and I spoke to an Experian supervisor in XXXX XXXX and they refuse to block the accounts which contain charges due to identity theft stating that they can only block an account once. This complaint is my effort to remedy this error without litigation as the reporting errors have caused me to be denied by the SBA for Cares Act Loans which has caused me XXXX  in damages.
Consumer complaint received 2020-12-24
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. (TX)

Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX.. I have called, mailed, and disputed online and they still have not remove the account even though center point confirmed it was fraudulent..I am now asking the CFPB to inforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have credit inquiries and accounts that I am unaware of. I wrote Transunion, XX/XX/XXXX and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Consumer complaint received 2023-03-23
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. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am a XXXX XXXX XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Consumer complaint received 2020-12-24
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. (NV)

I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

This appears to be a duplicate account that was sold to a collection agency per a XXXX account I did not open. I reached out to XXXX about this account in XX/XX/2020 inquiring about an account that I did not open inaccurately reporting to my credit reports. They would not assist me because I couldn't verify the account that I did not open but was being negatively impacted by. I asked them to close the account ; however, they would not assist in any way.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

I have multiple issues with Wells Fargo auto. 

1. The main issue is fraud within the financial agreement. 

this issue has been brought to Wells Fargo attention since XXXX of XXXX Wells Fargo is not listed as the creditor on the financial agreement even though they are the original creditor of this commercial transaction. 


I have documents provided by XXXX XXXX XXXX that states ; They were were unable to provide financing for this transaction. It also states the dealer did not submit my application to the financial sources. However, on the Financial agreement Wells Fargo Auto was assigned all interest to the contract, But was never mentioned in the contract as the creditor. " see attachments '' 2. Unverifiable agents. 
Wells Fargo has sent multiple correspondences signed by agents that refuse to use their full legal name on legal documents. 

I believe this is a violation of Title 15 U.S. Code 45 and Title 18 U.S. Code 1341 and I have filed a complaint with the Florida Attorney General 's Office. 

Wells Fargo has unlawfully continued to charge my account, refuse to inform the credit bureau of the legal dispute and on XX/XX/XXXX there was breach of peace and Wells Fargo sent a 3rd party to unlawfully repossessed my vehicle XXXX XXXX XXXX XXXX. 

yes law enforcement was called " see attachment '' I have never refused to make a payment and I've been in constant communication with Wells Fargo Auto via phone calls and letters. " see attachments '' despite constant communication Wells Fargo and the debt being disputed under the USC Title 15 FDCPA and FCRA refused to adjust the account and has now charged off my account requiring me to pay the full amount
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase fromXX/XX/XXXXnow XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
Consumer complaint received 2020-12-23
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: CBC Companies, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report. 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 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have wrote the check to Landlord ( Rental Office ) for rent. Check was altered before deposit by person and HSBC Bank did not verify before the released fund to other person other than Payee ( Rental Office as Rental office never received the check ). I have personally stop by HSBC Branch at XXXX XX/XX/XXXX XXXX XXXX, NY. XXXX Spoke with XXXX XXXX XXXX XXXX. and she have open the case on XX/XX/XXXX. I have also spoke on XX/XX/XXXX and stop by again on XXXX and spoke with her regarding status of my fund. She told me to wait. I have call again her on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX she advised me to wait for 120 days. I can't wait. That was not my fault. Bank error and bank did not verified all the information as it was clearly HSBC bank error and check was altered and released the fund to another person account instead of Business account of Management company. Please assist me to get my fund back into my account ASAP so I can use this fund to pay the rents.
Consumer complaint received 2020-12-24
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. (IN)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citi card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to XXXX and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on XXXX provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.