davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (OH)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-10
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 (MO)

On XXXX XXXX I got a notification that there was a purchase of {$610.00} charged on my credit card for XXXX I immediately went into my wallet to check if I had my credit card and it was missing. So I locked my card after knowing my card was lost and knowing someone charged my credit card. And I called capital one costumer service and I had them close the card down and send me out a new card. I then explained to them that this purchase was not made by me and I never even purchased from seatgeek. So then they begin the fraud process and they tell me to send them documents of a written letter explaining what happened with my name signed I did so. And then a few days later they said it wasnt enough information to refund the money back to my credit card. Now they told me that there was already documents sent to them and I have never sent any information or documents to them other than the handwritten letter written by me with my named signed. So I am guessing someone called or emailed or something and sent my bank documents which I am confused about because how does anyone know my information to even call. Anyway, I tried to dispute this transaction since today. I have been going back and forth with them and explaining and trying to send them proof that this transaction was not made by me. They even sent me in my document center in the bank app a screenshot of the ticket confirmation email and the email that purchased it was not my email and I do not recognize that email so I know its not my family members either. I kid you not Ive called about 20 times in the past few months ever since I found out about this transaction and they have not resolved my issue and its ridiculous because they say they will always help but they did not help me at all. Finally this month I called again and their final response was they have never been through this situation where someone else calls and send documents that isnt the owner of the credit card and they told me they cant issue a refund and then they tell me to file a police report but their not sure if that will help. This is frustrating because like k said before I did not authorize this transaction and they almost make it seem like I am lying or something. And its been XXXX and a half months trying to solve this issue but it has not been solved.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding.

the steps being taken to address this issue.

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security.

measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity.

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am.

confident that you will manage this matter with the utmost attention it deserves.

Should you require any further documentation or information from me, please do not.

hesitate to contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter. I eagerly await your response.

and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Company is now reporting that the bank is reversing payments and also claiming bank is reporting insufficient funds when bank has not reversed payments, as reflected by balance, & no reports of insufficient funds as per balance. A call to XXXX XXXX also confirmed they are not reversing payments & no insufficient fund reports had been generated. If the payments were not applied or provided then where is the money/payments equalling over $ XXXX?
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

There is a company that showed up on my credit report as a line of credit. It says i was paying {$40.00} a month but is now delinquent. I never opened this line of credit, looking at my bank statements I never made monthly payments in the amount of {$40.00} to anyone. I had a XXXX XXXX of over XXXX now its XXXX. The company name is XXXX. There is a name, XXXX XXXX and a phone number of XXXX. I called the number numerous times, no one answers and the mailbox is full. How can I fix this problem when I cant get a hold of the company to find out what this is and how to fix it?
Consumer complaint received 2024-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NJ)

XX/XX/XXXX CMRE Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX XXXX CREDITOR ACCOUNT XXXX Date of Service XX/XX/XXXX Dear Sir/Madam : Please be advised that the above referenced account was paid in full on XX/XX/XXXX confirmation XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I called XXXX XXXX and they confirmed that this account was paid in full with a case number of XXXX. Please refer to that case number when updating this account. 
Kindly provide a letter reflecting a XXXX balance for the above referenced account. Thank you for your anticipated courtesies in this matter. 

Cordially, XXXX XXXX XXXX : New Jersey Division of Consumer Affairs
Consumer complaint received 2023-03-03
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

My business banks with Wells Fargo. On XX/XX/, a false/fraudulent check for {$24000.00} was deposited by an unknown person ( written to " XXXX XXXX XXXX XXXX on the check ). We called Wells Fargo and let them know it was a fraudulent check and they said they would look into it. Almost 3 months later, they sent us a statement saying they couldn't recover our funds, which we thought was absolutely ridiculous. The case number was XXXX. We would like some better fraud protection from a large, national bank.
Consumer complaint received 2024-05-17
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: American Credit Acceptance, LLC (GA)

Hard Inquiries I did not authorize on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American credit acceptanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American credit acceptanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened this account through a promotional offer email online. It is a public offer where Bank of America is offering a {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive XXXX XXXX Deposits of {$2000.00} or more into that account within 90 days of account opening. They still have this promotion in this link : https : XXXX I fulfilled all the requirement on XX/XX/2023 but still haven't received the {$200.00} bonus. I subsequently reached out to BOA and they said they would invesitgate and honor the promo bonus. But I still haven't gotten it to this date! This is a scam! Dont trust this bank!!
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In your response to my case below, you did not state that I called before the money was taken out of the account a least 10 days prior and you refused to stop the transaction. I am requested an investigation again and refund of my {$1500.00} and {$800.00}. 



I contacted Capital One last year about XXXX payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. Capital One refused to investigate the incident thoroughly and advised that I should contact XXXX XXXX  bank, XXXX in-order to get my funds returned. I did so but never received any response from XXXX. After a months and month of contacting Capital One for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with XXXX.
Consumer complaint received 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NJ)

Unlicensed Debt Collection by Spring Oaks Capital LLC i wish to report Spring Oaks Capital LLC 's unauthorized debt collection attempts within XXXX XXXX 

- On XXXX Spring Oaks Capital LLC attempted to collect a debt from me. 
- Investigation revealed that Spring Oaks Capital LLC lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, Spring Oaks Capital LLC continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate Spring Oaks Capital LLC 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (MI)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX MI, located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, for their refusal to complete a transaction after approving my credit application, and for potential violations of federal consumer protection laws. 

On or around XX/XX/2024, I applied for credit with XXXX XXXX for the purchase of a XXXX XXXX XXXX. My application was approved, and I received confirmation of this approval on or around XX/XX/2024. However, XXXX XXXX XXXX has failed to provide the necessary paperwork and finalize the transaction despite multiple requests. 

XXXX. License Requirement : After the approval, XXXX XXXX from XXXX XXXX XXXX informed me that a valid drivers license was required to extend the credit as part of the contract terms. Despite my attempts to provide the necessary documentation and request the contract details, they have repeatedly failed to furnish the contract, promising on several occasions that it would be provided but never following through. 
XXXX. Unclear Communication and Non-Resolution : I have given XXXX XXXX ample time to rectify this situation, yet communication has become impossible. Their refusal to provide the contract or resolve the issue is causing significant inconvenience and financial uncertainty. 

XXXX. Violation of the Truth in Lending Act ( XXXX XXXX Code XXXX ) : XXXX  XXXX has engaged in practices that violate the Truth in Lending Act. Specifically, they attempted to advertise a down payment as part of the transaction, which is not a customary or usual practice for them, contrary to the provisions of 15 U.S. Code 1662 ( b ).

a. Village Ford Failed to disclose the financing statement and the entails, was requiring that I get insurance from am outside source for the completion of this transaction, instead of informing me that it can be included in the financing. 

XXXX. Failure to Act in Good Faith : I informed XXXX XXXX - XXXX of my mistake in good faith and sought to rectify it. Despite this, they have not responded to my efforts, further indicating bad faith and a lack of proper business conduct.
Consumer complaint received 2023-10-26
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. (CT)

PLESEE VERIFY THESE ACCONTS, BECAUSE THE INFORMATION ON THESE ACCOUNTS IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXX AV XXXX, XXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX Bank : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. 
XXXX XXXX XXXX XXXXXXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. 
It's worth noting that a breach detailed in an article ( https : XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed XXXXXXXX XXXX  XXXX this account is closed XXXX XXXXl this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXXXXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.
Consumer complaint received 2023-08-29
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: NAVY FEDERAL CREDIT UNION (IL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX. Firm offer of credit XXXX. Insurance XXXX. Employment XXXX. XXXX XXXX The following credit inquiries are related to none of the aforementioned permissible XXXX. Navy Federal Credit Union ( XX/XX/2023 ) XXXX. Navy Federal Credit Union ( XX/XX/2023 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character