davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Global Lending Services LLC (MO)

I have noticed theres some unauthorized inquiries on my report, and jobs and addresses I never stayed in. Global Lending Services LLC XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX, Address that I never lived, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, XXXX
Consumer complaint received 2018-07-24
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. (OK)

XXXX is reporting to Transunion that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRANSCARD, LLC (AL)

My account was closed by bank for suspicious activity but there wasn't any fraud or anything as they say. I have proof of what happened and proof I am the sole owner of both bank accounts. There is {$730.00} in the account they will not give it to me the supervisor there told me if I called again he was pressing harassment charges on me please help me.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2019-11-14
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am not looking for any resolution. This is to primarily inform CFPB that Capital One penalises customers for lodging repeated complaints via the CFPB platform, Capital One closes credit cards if customers lodge too many complaints via CFPB, but of course on paper they don't mention that. I urge CFPB to investigate Capital One 's internal operations. 

In the last couple of months I didn't get required service from Capital One call center operators, not only that they even refused to provide service, accusing me of false allegations over the phone. As a matter of fact I already have an active complaint still pending with CFPB against Capital One. Everytime I have lodged a complaint in the last XXXX months Capital One took sixty days to respond and the response came with just an apology ; Capital One never fixed the problems. I was trying to rebuild my credit scores following my bankruptcy and now they have closed my credit cards damaging my credit report further, just because I lodged numerous complaints against them via the CFPB platform. I urge CFPB to investigate Capital One 's internal operations.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize. 

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile. 

I did not give my permission for those lenders to run my credit. 

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : 1. XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3 . XXXX XXXX XXXX  XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. BANK OF AMERICA XX/XX/XXXX 7.XXXX XX/XX/XXXX 8. BANK OF AMERICA XX/XX/XXXX 9.XXXX  XXXX  XX/XX/XXXX ON XXXX CREDIT REPORT 1. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Consumer complaint received 2019-03-15
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: CITIBANK, N.A. (MN)

Hello, I have a Macy 's XXXX XXXX credit card. Please find the sequence of events below : XX/XX/XXXX : Used the credit card to purchase a product online from XXXX and have it shipped internationally. 

XX/XX/XXXX : The product was never delivered. I had opened a dispute. Received a document online from XXXX XXXX detailing that the dispute is being looked into. 

XX/XX/XXXX : Received a refund to my checking account. However, I was again charged the same amount on the credit card, effectively nullifying the refund. 

XX/XX/XXXX : I called XXXX XXXX credit card again and explained the issue, they noted this down on my case. 

XX/XX/XXXX : I had not received any updates. Called XXXX XXXX credit card again. Another case was opened. 

XX/XX/XXXX : The case was marked as resolved by citing " Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. ''
Consumer complaint received 2024-04-21
Product: Credit 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)

Capital One is frauding its customers by delaying tactics to get past the amounts and interest fees I disputed a fraudulent transaction in 48 hours investigation was completed and I got a letter from Capital One attached saying dispute is approved {$310.00} will be credited one month passed no credit appeared and I got to pass the amount contacted Capital One they told me be patient you will get the credit and we will also adjust the past your fee another month passed another passed the amount of {$40.00} was charged I contacted again they said oh sorry Capital One had given you that letter in an error so you are liable for the {$310.00} and also the past few amounts of {$80.00} plus the accruing interest my card is a Quicksilver card ending in XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information is not being accurately updated. I'm not sure on who's behalf in regard to XXXX ( loan company ). The balance is showing I currently owe {$4700.00}. I've paid {$2200.00} towards this account.
Consumer complaint received 2023-05-26
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. (TX)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX  : {$0.00} XXXXXXXX XXXX XXXX : {$2400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I personally met with IRS yesterday ( on XX/XX/2023 ) and IRS is asking the Fifthird Bank to provide proof that IRS was requesting the fund {$7000.00} to return to IRS, Which is stated in the third Paragrap of Fifthird bank letter dated on XX/XX/XXXX XXXX, stated ( Please be aware, we received notice from the Internal Revenue Service ( IRS ) that several checks that were deposited into your account ending in XXXX, were invalid and the IRS was requesting the funds be returned. The hold was placed on your account, by our Bank Protection Department, and funds returned to the IRS for {$7000.00} ) I attached the original letter. 
Please be advised as soon as possible. 
Thanks XXXX XXXX
Consumer complaint received 2023-07-10
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. (AZ)

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (OH)

On XX/XX/2023 I received a summons from XXXX XXXX court that a collection agency named DNF Associates LLC has filed a complaint to collect on a debt from a credit card XXXX. The information I received from the court had the account number blacked out. On Monday XX/XX/XXXX, I contacted DNF Associates LLC and spoke with XXXX at ext XXXX. I advised her that I had no knowledge of such debt. I also advised I did not receive any notification regarding this debt. She acknowledge that NOT correspondence was ever sent to me about this debt, which violated the fair debt reporting act which allows me, by law, 30 days to dispute the debt. XXXX did not express any concerns about my rights not being exercised, and threated to proceed with taking me to court. I told XXXX that I did not owe the debt. I told her that I did not recognize the card and I was offered no correspondence to from their office where I would have disputed the debt. She was proceeding to try to make some type of settlement arrangement for 80 %. I thought possibility it was my ex wife, but I told XXXX that I was not sure. She again that her company has never sent any documents and she verified my address. They also never called me about the debt to dispute.
Consumer complaint received 2023-08-10
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: CLGF Holdco 1, LLC (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX 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 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (MI)

Regarding CCS Collection Services Acct # XXXX This company reported this fraudulent collection on my credit report, and they are not licensed and bonded to collect in my state as required by law. This is a violation.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NV)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (PA)

I received a letter from Medical Revenue Services in XXXX regarding an alleged medical debt. I wrote to them at the address on the letter on XX/XX/XXXX to dispute the debt and requesting verification ( their letter stated a deadline of XX/XX/XXXX to do so ). They returned my letter unopened on XX/XX/XXXX, stamped " not at this address. ''
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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