davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KY)

This creditor LVNV is trying to collect on a debt from XXXX that is over 7 years old. This debt has been written off. The debt was incurred back during XXXX time period ( estimated ). This debt need to be removed from my credit reports ASAP.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XX/XX/year> TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.
Consumer complaint received 2024-07-31
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. (CA)

XXXX, XXXX, and Equifax are reporting a credit account from XXXX XXXX  that does not belong to me. This account and balance do not belong to me, and I have sent documentation multiple times. It is fraud and identity theft, and they have not resolved this matter within the allowable 30 days. I have also sent all identity theft and fraud reports, along with a letter from XXXX XXXX  advising them to remove this account.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (MI)

I did not authorize nor approve these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want to file a lawsuit against XXXX for Illegal practices, they hide all credit reports and scores behind a {$30.00} paywall, and Inaccurately processed numerous amounts of my credit reports.every score is accurate except for XXXX, you dont have access to anything regarding your credit score or report unless you pay, they have been damaging and inaccurately been reporting my credit score and Ive had enough, if you cant help me in finding legal action I will find it myself and keep this conversation noted for my records, this is unacceptable my credit score is reported XXXX points lower then what I actually get to see which will always put me in a position of denials when I think my score it up to par. And I have no delequencies on my account!! I personally had enough of XXXX  shady activities. You guys need to do something. 

Also credit karma is supposed to be accurate, They need to explain why my score is XXXX there but when I got denied all of a sudden my score is XXXX on XXXX end??? NO they have to pay for the inaccuracies. This effects my livelihood.
Consumer complaint received 2024-01-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 I was charged of XXXX $ as deposit for a bid of XXXX $ that I didn't make from a capital auto auction. 
I request a refund but they denied. I bided for XXXX and I saw that they increased to me to XXXX $ without any reason. 
The transaction was declined and they took the XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

I was getting ready to use my credit card to make a purchase on XX/XX/XXXX, so I logged into my app to see what was available and come to find out that my account was closed. I started a chat with the company, and I asked the representative why my account is closed when it's not even past due. The response that I received was " After reviewing your account I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau XXXX. I see that this decision was taken by the management based on an update from the Credit Bureau, XXXX regarding your credit scores and credit ratings and your performance not only with Synchrony, also all your other open lines of credit. Once the account is closed, it can not be reinstated. All of my Synchrony accounts have been closed down by this company, which not only will put all of my accounts in collections, but it will also destroy my credit score, making it impossible for me to establish new credit with any company in the future. After researching this online I found that I am not the only person that this is happening to, and this company needs to be held accountable.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these any items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-05-03
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. (CA)

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX  XXXX XXXX. Account number : XXXX. XXXX : XXXX XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. XXXXThe date on which you contacted the individual information furnishers. XXXXThe method of communication used to verify the information.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (TX)

I can provide proof that Discover financial group intentionally canceled my discover card when I backed out of refinancing my house. If you follow XXXXhe trail of dates they inquired on my credit and the date they canceled my almost paid off discover card, it proves I was targeted by discover because I choose not to refinance my house. A financial institution should not hold items over your head to refinance or lose your credit card. I will attempt to upload all Discovers soft inquiries and hard inquiries to prove at the time I decided not to proceed with the home equity loan the lashes out at me by revolving my discover card without even a word or a letter. I will provide all the soft and hard inquiries from discover through XXXX XXXX and XXXX if need be to prove what DISCOVER DID BECAUSE I CHANGED MY MIND ON A HOME EQUITY LOAN.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

report # XXXX was given after filing with Experian about this account : XXXX XXXX XXXX  XXXX opened XX/XX/22 XXXX XXXX XXXX. XXXX, XXXX NAME Address City, State Zip Email Address 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX someone went to my account and completed the wire for {$1700.00} and {$1800.00}. I wasnt aware of that. On XX/XX/XXXX at XXXX, I received a phone from the CITI bank representative stated if i went to XXXX XXXX XXXX XXXX XXXX Florida and i said no. The charge was made from my Debit Card for {$50.00}. On the same day at XXXX XXXX i received a phone call from the fraud department and i complained that checked my checking account and the money were gone. The bank email me about the wires about was to late the money were gone. No one called me and notified me. The account was closed and i open a new account on XXXX XXXX. On XX/XX/XXXX, someone went again to my new account and completed then wire for {$1800.00} and {$1800.00}. I was driving to New Hampshire that day and i wasnt able to check my checking account. I didnt use my new debit card due to being afraid that someone will hack again my account. On XX/XX/XXXX at around XXXX, i took {$100.00} from CITI bank ATM machine and saw that my money were low. I called CITI bank immediately and closed my account. I checked my email and bank sent that successfully the wire was completed to the person that i dont know I reopen a new account on XXXX XXXX. On XX/XX/XXXX, i completed the Affidavit Unwanted Wires and notarized the forms. The bank responded on XXXX XXXX that they denied. The bank doesnt provide any information where my money went. I never completed these wires because do not know these people. CITI bank is refusing to give my money back.
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

My credit report tracker notified me of a collection from diversified adjustments for XXXX  of {$48.00}. When I closed my account with XXXX it was paid as I had confirmed with customer service. Never received any communication from XXXX or the debt collector. I never had a voicemail, an email, or a letter. I had no idea and would have paid the small amount of {$48.00}. How do I know I need to pay something if nobody contacts me? I would have never let this go into collections. Please send me validation of this
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

XXXX. I applied a credit card with annual fee {$590.00}. 

XXXX. I didn't activate the card as I didnt need it. 

XXXX. When I was called to make payment I asked options as I didnt need the card. 

XXXX. I was advised to close the account, so that the annual fees will be waived. 

XXXX. The account is closed but the annual fees is not waived as told by Citi.
Consumer complaint received 2024-05-03
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. (MI)

Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXX XXXX XXXX/Transunion XXXX XXXX, XXXX I am writing to formally complain about the inaccurate information XXXX XXXX XXXXXXXX has been reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX XXXXXXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **XXXX  Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. XXXX Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The XXXX  delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all XXXX  reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXXXXXX XXXX  XXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY (AL)

I have not received the offered {$200.00} settle for the damages that were done on the window of the vehicle. Also I have not received any information or calls from either company about compensation. Only a letter from Wells Fargo stating that XXXX XXXX XXXX XXXX had offered {$200.00} to settle for the damages.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-affiliated third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliated third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) )
Consumer complaint received 2024-07-05
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 (TX)

on XX/XX/XXXX our credit card with Capital one was fraudulently charged by Merchant by name of XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00} Repeatedly informed credit card co/Capital One that no receipt was furnished by Merchant & all attempts to communicate with Merchant remain un-responded. We just had a statement showing the charge by the merchant, & Capital one acknowledged receiving the statement. 

Now the credit card co wants to revert the charges endorsing the crime of wrongfully charging the customer.
Consumer complaint received 2023-12-28
Product: Credit reporting 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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX