davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (FL)

I contacted Experian on XXXX by phone in regards to XXXX inquiries on my credit report that are affecting my score. The gentlemen I spoke to refused to investigate a number of inquiries that I did not authorize. Additionally, he told me these inquiries may have been initiated without my knowledge, but he wouldn't be doing anything about it. I asked for his name, he gave me the name XXXX. When I asked for his ID number to be able to identify him in regards to this complaint, he refused. The following is a list of inquiries I wish to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX 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 2024-05-17
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX and XXXX, XXXXXXXX XXXX fraudulent charges were made on my PayPal account for {$200.00} each. I alerted PayPal and Synchrony Bank contacted XXXX  XXXX XXXX several times with no success. In XXXX, I wrote to XXXX XXXX, from the Office of XXXX Attorney General. The involvment of that Office initiated communication with PayPal and Synchrony Bank. I was refunded {$200.00} from XXXX XXXX XXXX. The XX/XX/XXXX {$200.00} charge remained. On XXXX, I sent a certified check to Synchrony Bank for {$920.00} to close my entire account balance minus the XX/XX/XXXX {$200.00} charge. I am continually being billed for this fraudulent purchase, plus interest. 
On XX/XX/XXXX, I sent a letter to Synchrony Bank, once again explaining the charge. There was and still is, no response. On XX/XX/2024, after more email reminders of my delinquent payment, I phoned Paypal and was transferred to the Synchrony fraud department. There, a representative named XXXX, employee number : XXXX, informed me that XXXX XXXX XXXX refunded {$600.00} to my account. And, she added that she could prove it. I need to add she actually laughed at me. 
Six days ago, I emailed XXXX XXXX XXXX because there was no alternate means of contact. I asked when and amount of their refund. I received an email response that ONLY ONE REFUND WAS MADE FOR {$200.00}!!! My credit has been impeccable. I refuse to pay my present balance of {$380.00} ( {$200.00} + interest ). 
Thank you for whatever help you can provide me. This ongoing mess is affecting my health!!!
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have 3 cards with Capital One and 1 with XXXX ( which Cap One ) just acquired. Family situation has dramatically changed. 
Approximately XX/XX/XXXX, got a call at work, asked the Cap One rep not to call me at work again. She said " ok '' and to go into the app to change the phone number. I tried to change the number, but was not allowed to. 
Approximately XX/XX/XXXX, got a call at work, asked the Cap One rep not to call me at work. Told her I told the last person to not call me at work. She said " ok ''. 
Yesterday, XXXX I get a call at work from Cap One, but no one comes on the line and it disconnects. 
Today I get ANOTHER call from Cap One. I tell the XXXX " XXXX '' that I have asked twice before to NOT be called at work. She said that the numbers are dialed automatically, essentially saying there's nothing that can be done. 

Cap One has even called my Wife, XXXX ; even though she is NOT listed on any of my accounts!
Consumer complaint received 2023-10-10
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (FL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER ADJ CO Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Incorrect addresses are being reported on my credit reports that I never lived at. The only address that I would like to be reported is XXXX XXXX XXXX, XXXX, New York XXXX.
Consumer complaint received 2023-10-30
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: WELLS FARGO & COMPANY (VT)

Company sent wrong part for my range hood. Company refused to issue refund. Wells Fargo ( WF ) did not issue refund when I disputed charge.
Consumer complaint received 2023-10-10
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. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2023 I went to deposit my company deposit and the atm ate my money XXXX dollars they said keep the repo slip to let Chase know so thats what I did I googled what to do cause chase was closed due to XXXX XXXX  thats the companies partial payroll and its due tomorrow to my boss I dont like carrying that much money around do I put it in my account and I wound up getting robbed by the atm I need help I dont know what to do chase is closed and my payroll is due tomorrow I had to handle all affairs while my boss is on a business trip my boss is going to fire me please help me asap
Consumer complaint received 2023-10-10
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. (SC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX  XXXX. 
XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX  XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX XXXX  XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc. (FL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are CENTRAL PORTFOLIO CONTRO, XXXX XXXX XXXX XXXX XXXX XXXX Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-11-12
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (TX)

My name is XXXX XXXX I live in XXXX. I was shopping at ULTA Beauty Store back in XX/XX/2023 when a sales associate asked me if I wanted to open a credit card and I mistakenly said yes and I should have read reviews first. I made a HUGE mistake signing up knowing that I'll never get the card and I never received it despite having the account number. My Account Number is XXXX They kept charging me and they DID close my account. I was checking my credit score yesterday and somehow it was showing {$130.00} for COMENITY/ULTA on my credit score which is a scam, I did NOT buy anything for {$130.00}, my account is closed. please dispute and remove this fraudulent charge from my bank account. 
Thanks, XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I received the attached debt collection letter from the local law firm of XXXX XXXX XXXX XXXX XXXX, falsely claiming that I had an account with FIA Card Services and owed them {$12000.00}. The letter asked for a response before XX/XX/XXXX and also pointed me to the CFPB website to learn what my rights are. 

I will send a letter to this law firm denying their false claims, but first wanted to file this complaint after reviewing what the CFPB can do, because I am concerned with the age of this fake debt ( 14 years ) and that it is being pursued anew. I am glad I kept records of the difficulty I have had over the years relative to clearing serious identity theft. 

Attached are police reports affirming that I was indeed the victm of identity theft on multiple occasions over 20 years ago. I continually had to fight new charges or new accounts that would pop up and did not belong to me. In early XXXX, I worked with a reconciliation representative of Bank of America ( B of A ) to go through XXXX accounts to determine what was my debt and what was the additional debt caused by identity theft. We came to an agreement of XXXX different amounts and I authorized B of A to deduct those funds from my bank account. They sent me XXXX confirmation letters stating nothing further was owed, also attached. 

But a third B of A account also appeared in XXXX. They alleged I had their " World Points '' credit card ending in # XXXX ( see statement sent to me ). None of the $ XXXX owed was my debt. I never travelled at the time and received no financial benefit from this travel card. I contacted the same reconciliation department who determined that B of A could provide me no written proof that I had ever personally applied for their " World Points '' promotion. Therefore, B of A was not authorized to deduct funds for this debt. 

It appears FIA Card Services bought the old XXXX Bank of America credit card account ending in # XXXX, and hired the XXXX law firm to falsely claim the debt was originated from them. Again, I have never had a FIA credit card and am disputing I owe them any money whatsoever.
Consumer complaint received 2023-10-10
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: WELLS FARGO & COMPANY (CA)

My credit report is showing late payments to WF XXXX XXXX, WF XXXX XXXX, XXXX XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Consumer complaint received 2023-10-10
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (NY)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.