davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

Comenity Bank has fraudulently charged my account for back interest associated with a promotional plan. I have been trying for almost 1 YEAR to get this resolved with several calls that took more than an hour each without any support or response. Each call resulted in verbal confirmation that the charges were incorrectly charged and would be sent to an " internal dispute department ''. I could not get any confirmation number or name within this internal department and told only that I would receive resolution by mail. Since then my card has continued to accrue interest that should not have been charged. 

This should be considered FRAUD over well over {$1000.00} that should be credited to my account. 

Note : Before I paid the promotional balance I called the credit card company to verify the value I needed to pay ( while I was ill with COVID ) and confirmed the amount to pay ( {$630.00} ) to avoid the deferred interest on the promotional balance. However the next statement indicated I did not pay an additional {$71.00} and therefore the deferred interest of over {$1000.00} was added to my balance.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

I had received some late ( XXXX ) during XXXX ( XXXX lockdown in Texas ) due to a loss of my job. I called each time to advise them that a payment would be made late as I was doing everything in my power to make the payments on time. Once I had a new job I completely paid the account up and was making all future payments in advance. However due to the fact they filed the payments late on my credit report my credit has taken a very large hit due to the payment history during a nationwide pandemic. I have reached out to them multiple times ( by phone, through the app, emails and written letter ) across the span of XXXX years. They have failed to make any contact with me or provide a response to the request to remove the late payments with the proof provided that they were advised in advance of the issue and then paid in full with advance payments. I have continued to make payments in advance for XXXX years and have completed XXXX personal loans with the same company all with on-time or advanced payments.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from XXXX XXXX XXXX, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor Capital One nor XXXX XXXX XXXX I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
Consumer complaint received 2023-06-02
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-02
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-02
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened account with Capitalone 360 Savings XXXX, XXXX {$4700.00}. I tried to to use it all the features such transfer, send money, etc from my account but it blocked. I made some phone called to consumer protection CapitalOne and their answered I can get my money from the origin previously bank. But obviously i get bill statements for 2 months afterwards and i can check my account online too. 

Than i got busy looking and moving house. 

XX/XX/XXXX after I settled in new house I checked my online account the balance {$0.00} and mentioned withdrawal that i never done it. So I called again customer support or service why their is withdrawal not by me? She mentioned that the CapitalOne closed my account and send check to my new home address. 

XX/XX/XXXX till to date I received only Bill statement mention that my balance for XX/XX/XXXX to XX/XX/XXXX are {$4700.00} to {$0.00} and I have not receive the check, I made some calls again to customer support or customer care to resend check, no response yet.
Consumer complaint received 2023-05-25
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. (MI)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of sevoral laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (IN)

I spoke with XXXX XXXX XXXX XXXX today XX/XX/XXXX at XXXX XXXX  and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " affirm gazelle '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (OH)

In XXXX of 2021 i attempted to open a line of credit from XXXX XXXX  to purchase merchandise from XXXX XXXX  in XXXX XXXX, OH. Due to unforeseen circumstances once the line of credit was opened i immediately closed it before any purchases were made. The account was closed in XXXX and was removed from my credit report then it was refurnished in XXXX. 
I was given a letter from bobs furniture stating i never received any products but acceptance now continually furnished account saying i did. After almost two years of back and forth they finally deleted the tradelines with XXXX and XXXX. Experian is refusing to honor the request for deletion that was sent to me and the other credit bureaus.
Consumer complaint received 2023-06-02
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: SANTANDER HOLDINGS USA, INC. (TX)

In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX insurance company. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : 1-SANTADER CONSUMER XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts 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 2023-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (OH)

Wise prompted me several times to go through an appeal process after a month of raising the first appeal, holding my money for more than a month and finally refunded it partially, surprisingly for reasons that was never communicated to me. This is totally unacceptable The company ( Wise Inc ) has not fulfilled all my requirements and has based their conclusions based on their own hypothesis/assumptions, without following the normal standards and procedures which are agreed in the customer agreement. I have briefed below the points in breach by Wise Payments : 1 ) Wise has listed the potential reasons of account closure ( 4 reasons ), however, they didn't elaborate which reason in specific is related to my case or how they arrives to their own conclusion. They claim that the " way how they are regulated '' prevents them from discussing this forward. This is totally random and against the industry best practice. Moreover it diminishes the basic customer rights inline of financialregulations worldwide. 

2 ) Wise decided to act on their own discretion to " refund '' senders in response to disputes raised by them pertaining transactions XXXX from XXXXXXXX XXXX ( XXXX XXXX  ) & XXXX ( XXXX XXXX ). They performed the refund from " my account '' without intimating me, raising specific questions as to why or how I received these funds or what I have provided in return and/or without a court decision to perform this action! This is totally unacceptable and reflects a discrimination against their own clients, aligning with " potential scammers '' without proper reasoning or justification. These transactions took place as a trade of virtual assets/crypto ( XXXX/XXXX ) on a peer-to-peer platform. Screenshots of the completed trades and/or my conversation with the buyers ( who turned out to be scammers have been sent to Wise Payment 3 ) While I am now in loss of ( XXXXXXXX XXXX ) due to the random illegitimate action of Wise Payment performed on my account, Wise is offering in a return a compensation of {$150.00} for the damages impacted me and my family due to the delay and unprofessionalism of their action!
Consumer complaint received 2023-06-03
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX i purchased XXXX worth of groceries on my XXXX XXXX XXXX. The very next day i paid in full and the payment showed up on XX/XX/XXXX, I always pay my bill on time. I wasnt even given a grace period for this transaction. Transunion reduced my FICO score XXXX XXXX  because of it. The consumer these days cant win with this company. If you're late they reduce your score and if you pay immediately they reduce your score. There needs to be some fines introduced to stop this time of behavior from these credit bureaus. I find it ironic but on the day Transunion reduced my score, XXXX increased my score.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-06-02
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. (NY)

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by TRANSUNION. I'm looking for an fair and equitable solution to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

I appreciare your response on the subject. 

From the response letter, I understand that BONY sent back both the drafts in question to XXXX XXXX XXXX XXXX. Please confirm and also advise me where in XXXXXXXX XXXX XXXXXXXX XXXX these drafts were sent? 
I want to know which branch or which depatment these drafts were sent to in XXXXXXXX XXXX XXXXXXXX XXXX. 
This will facilitate me in moving forward with XXXXXXXX XXXX XXXX XXXX for pending payment of my money. 
I will really appreciate that. 
Thank you very much.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.