davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (SD)

I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: ENCORE CAPITAL GROUP INC. (TX)

The date of last activity was re-aged when this collection agency falsely stated that it was verified. Furthermore, the original account was never verified ; how can this account continue to report on my credit? Not only is the date last active incorrectly reporting, but the payment history is also inconsistent between the 3 bureaus. This is a clear violation of the FDCPA. This is unlawful reporting and the account XXXX XXXX XXXX XXXX must be removed immediately.
Consumer complaint received 2023-04-18
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-04-15
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MI)

I submitted a complete application for mortgage assistance to Selene Finance on XX/XX/2023. Since that date, I have made numerous attempts to contact the company to inquire about the status of my application. Unfortunately, I have not received any communication from the lender, either confirming the receipt of my complete application or providing information on the processing status. 

Despite making several calls to their office and speaking with different representatives, I have not received the courtesy of a clear response. Moreover, my requests for a callback from a supervisor have been ignored. 

The lack of communication from Selene has left me in a state of uncertainty and anxiety about the status of my mortgage assistance application and the coming foreclosure. I believe that I am entitled to timely and transparent information about the processing of my request, as well as acknowledgment of the receipt of my complete application. 

I understand the importance of due process and respect the time required to review applications. However, the complete lack of communication and failure to acknowledge my repeated inquiries are causing undue stress and frustration. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Selene complies with the necessary regulations and provides timely and transparent communication to borrowers. 

Thank you for your attention to this matter, and I look forward to a prompt resolution
Consumer complaint received 2023-07-12
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. (NC)

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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MD)

I was billed by XXXX XXXX XXXX in the amount of {$380.00} for a hospital visit that I took to XXXX XXXX Hospital back in XX/XX/XXXX. I settled debt paid them the {$380.00} directly in XX/XX/XXXX and it was then removed from collections and my credit report. So today out of nowhere, I received a letter directly at my door ( letters are usually delivered to my mailbox ) from Commonwealth Financial Systems pertaining to the {$380.00} debt that basically said that they picked it up and would give me a discounted rate of {$280.00}. I then called them and forwarded them confirmation email from XXXX when i originally paid the debt and original copy of the bill that included the account number ( which Ill make sure to attach ) and the lady sounded noncommittal in terms of closing that account. She tried to get me to call XXXX and explain the situation to them and I refused to because that situation was already taken care of and I told her that if they needed any confirmation, they could contact them on their own. This definitely rubbed me the wrong way because I settled this debt two and a half years ago and theres no reason why I should be receiving any letters from a third party pertaining to it. I then XXXX the company and saw a ton of bad reviews that basically say the same things about this same exact company.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. Under 15 U.S.C 1681, Section 602, states I have the right to privacy.

15 USC 1681, Section 604a, Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-19
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. (FL)

I have fraudulent accounts on my credit profile that I did authorized, on my credit profile that needs to be deleted/removed ASAP. 

These are the HARD INQUIRIES that needs to be deleted/ removed immediately from my credit profile. 

- XXXX XXXX XXXX - XXXX XXXX - EXPERIAN XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

I checked all three of main credit reporting agencies on XXXX XXXX, 2023 to re-freeze my credit reporting accounts. When I looked at XXXX, I saw a revolving credit card account with FEB DESTINY or Concora credit with a maxed out credit limit of {$710.00} opened a month ago with a {$50.00} payment due soon. I felt so upset because I deliberately freeze my accounts after going through a nightmare of fraud last year that took months to resolve. 
I can not reach the bank until after XXXX. XXXX but I am planning to reach out to them to demand the deletion of the account and report it as identity theft to all three credit reporting agencies. If I continue to get the runaround or refusal to help, I will reach out to you again re : FEB DESTINY. The only information I can gather is the balance amount due and that the account ends in XXXX. You have helped before in the horrible situation I was in last year and I am reaching out again. I immediately froze all my credit reporting agency accounts. I will be reporting this as fraud to local online police report as well.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS REPORT IS REPORTING THE OPENING DATE IS INCORRECT, LAST REPORTING DATE IS INCORRECT, LAST DATE OF PAYMENT IS INCORRECT WHICH IS AFFECTING MY CORRECT SCORE. 
ALSO THEY HAVE LAST PAYMENTS THAT ARE REPORTING THAT NEEDS TO BE CORRECTED. 


Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$69.00} {$69.00} {$69.00} No. of Months ( terms ) : XXXX XXXX XXXX  High Credit : {$450.00} {$450.00} {$0.00} Credit Limit : {$600.00} {$600.00} {$600.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : BK OF AMER Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Consumer complaint received 2019-11-09
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: 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 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXXXXXX XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : CAPITAL ONE BANK USA NA # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX .They are in violation of FDCPA XXXX. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023 my citizens business account was cleaned out and put into the negative from wireless transactions made with my business debt card number though XXXX XXXX and XXXX XXXX reported to the bank on XX/XX/2023 and went to the bank on XX/XX/2023 to replace my business card and reported the fraud they did not do anything on my behalf on XX/XX/2023 I called the citizens claims department and found out they never did a fraud claim on my business account so I had to do one over the phone on XX/XX/2023 I called today XX/XX/2023 the claim department and they told me that no fraud happened I told them I want the fraud claim to be reviewed again. XXXX dollars was taken from my business account and made my account go into the negative and overdraft fees .they are refusing to refund my business account of the money taken from me I had enough they don't care they are no help for people that work hard for there money they are not protecting the bank customer and small business owners
Consumer complaint received 2024-04-15
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. (AR)

XXXX, TransUnion, XXXX XXXX  are all negatively effect my credit score due to not removing accounts proven unverified. XXXX attach screenshot of proof of my claim
Consumer complaint received 2023-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rickart Collection Systems, Inc. (MA)

I was living in an apartment at XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) from XXXX. The last day stated on my lease is XX/XX/XXXX, and I have vacated on XX/XX/XXXX. The electric utility charge comes from XXXX, and they have not stop my service and keep charging me till the end of XXXX. First, I should not be responsible for the electricity I did not use. Second, I have never received any email or mail from XXXX or even the debt collection company regarding about my bill and the ongoing charge till a collection showed up in my credit report in the end of XXXX.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

CitiCard CitiBanks is reporting this information wrong ( Potentially Negative ) all payments were made on time. This prevents me from getting a loan consolidation to pay the balance in full. Which is a violation of Fair Credit Act US 611 Procedure in case of disputed accuracy { 15 U.S.C 1681 }
Consumer complaint received 2023-12-23
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. (MS)

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. XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

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 2023-12-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a Serve prepaid card by American Express yesterday late afternoon for my girlfriend. By the time I got to her house the {$200.00} I put on the card was gone. We check into it and it said that there was an XXXX XXXX purchase that was made. I havent even activated the card yet. Im try to get this purchase returned to me and the person locked up. That was money I sent for her not for just another person that I dont know to steal it from us. By the way the card was still in its concealed package.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I finally accessed my XXXX  credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this is fraud.