davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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)

Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$460.00}.
Consumer complaint received 2024-04-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NJ)

I submitted complaints to both CFPB and Citi when they opened 3 CD accounts without my consent. They never responded my complaints directly filed with them, but they did allow me to close 2 CDs out of the 3 without penalty. I continue to think its a UDAAP violation that they opened the accounts without my knowledge/awareness/consent, and also at a rate much lower than the market rate. I reached out to Citi again but they never responded to me. I am requesting a review of my outstanding CD that was opened without my consent, and also redress for loss of use of my funds in the past month ish. Please help.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my fourth 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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX **** Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

called debt collector XXXX about a account they are reporting on my 3 credit reports they advised me to contact the creditor which I did talked to XXXX in billing XXXX XXXX XXXX XXXX how advised me that there was no account with them for XXXX at any time XXXX called Americollect and talked to XXXX in there client services and she said the only bills with them equaled XXXX so I called back to Americollect and talked XXXX XXXX a supervisor in collections and asked for XXXX in client services and was told by XXXX no debtors are allowed to talk to client services unless you are a company they represent and she got very rude and annexes and said how could XXXX from XXXX  XXXX talk to XXXX when she was not in the office on his day. She proceeded to call me a liar. Then she stated I have 8 accounts with them there she said one is XXXX one for XXXX and one for a smaller amount of XXXX and 3 more that equal XXXX. XXXX XXXX is saying there is only one bill with them that equals XXXX have asked Americolled to send me written verification of the debits they are claiming I owe from XXXX XXXX with no response on several occasions
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Debois, Inc. (OH)

DBS financial had broken TILA laws by not fully disclosing to me at the time I signed the application that I also unbeknownst to me that I also gave them my POA to act in my behalf. I also wasn't told that by giving them my SS number that it then becomes a trust action because I am the XXXX of my SS XXXX XXXX XXXX  XXXX. They go and file a 1099A on my behalf with the Treasury to receive the funds to pay back the credit that they extended to me to buy my car. And instead of marking it paid in full like they should they monetize my app with the promissory note by taking app and the funds they receive from the trust fund and use those funds and invest in the stock market. Once they do they then the note then becomes the collateral so they unlawfully took my car when they repossessed XXXX  XX/XX/2023! I want restitution.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/23 XXXX XXXX had emailed me ( see attached ) that ALL accounts were marked for removal and and sent to the credit bureaus. 
Unethical that bureaus would put these up so quickly and yet NOT remove them immediately when they are told to but the " collection company ''. 
I feel these bureaus need to be fined or censured or other from the governing agencies in situations like this where they " seem '' to intentionally act against consumers. These are horrible actions.
Consumer complaint received 2024-04-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Tried to make a {$500.00} purchase ( full value of XXXX XXXXXXXX XXXX XXXX ) at XXXX XXXX on XX/XX/24 and was declined several times. Called InComm in store and they said to try at a different retailier and hung up on me. I've tried making purchases at XXXX online, XXXX online, and XXXX XXXXXXXX on XX/XX/24 and all transactions were declined and the card was put on hold. I called InComm 's customer support on XX/XX/24 and they could not release the hold to use the card.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

Today, XX/XX/23 I spent 2 hours on the phone with Chase rewards to try and change my XXXX tickets from XXXX to XXXX from XXXX to XXXX. I was escalated to two different customer service people, neither could help. In the first case, the representative said they found the dates that needed and could change the ticket and then said 10 minutes later that the flight was full. The second person told me that I could not change the tickets to the requested dates, nor could she tell me dates that would be possible, nor could she give me credit. 
When I asked to speak with someone who could help me the phone went mysteriously silent even thought I had, had no problem for the two hours of waiting before. The customer service rep called me back and told me I could call the original number again. I'm concerned I'll be starting from the beginning.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureau to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (NC)

Americollect INC has failed to provide me with adequate paperwork showing that I am reliable for this debt. I have asked for a contract I signed and proof of identity or paperwork indicating I am reliable for the invalid information, I have still yet to receive anything. This is not a credit transaction and need to be removed immediately.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DAS ACQUISITION COMPANY, LLC (IL)

Before I hired my mortgage company or even of knew of DAS Acquisition Company, LLC., DAS ran my credit without my permission. Credit ran XX/XX/XXXX ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XXXX XXXX XXXX XXXX notice attached ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX my actual lender was DAS ACQUISITION Co LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by DAS. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to DAS legally having permission to a much higher credit score.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting this complaint to bring to your attention a matter of utmost urgency regarding the compromised state of my credit with your institution. It has come to my notice that there have been recurring issues in preventing the unauthorized inclusion of items in my credit file, even when accompanied by an FTC fraud report. This marks the ninth attempt on my part to dispute items in my credit file resulting from an alleged identity theft. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), it is imperative that you promptly adhere to the mandated timeframe for the removal of any items in my file linked to alleged identity theft. The stipulated duration for such action is not later than four business days following the date of receipt, contingent upon the provision of ( 1 ) appropriate proof of the identity of the consumer and ( 2 ) a copy of an identity theft report. Im sending over an Identity Theft Report # XXXX. For your reference, I have provided the following details : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX  - XXXX XXXXXX/XX/XXXX **EQUIFAX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} Original Creditor : XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (VA)

Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to Kraken XXXX at the instructions of the scammers.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

ORIGINAL COMPLAINT Via automatic payments I over-paid my credit card so there -was a negative balance on my account.After making several purchases I had a negative balance of {$630.00} so, for some reason, Capital One sent a check to me in that amount. I cashed the check and all was fine. I then noticed that Capital One charged me {$630.00}, and called it a Credit Balance Refund ( XX/XX/2017 ). They basically gave me a check for {$630.00}, but then turned around and charged me {$630.00} for something I never purchased. The people at Capital One are saying it is a wash since I cashed the check, but that {$630.00} they sent to me was based on an over-payment of my balance so why did they charge me the exact same amount in XX/XX/XXXX? The original {$630.00} was supposed to be a refund of money I paid. 
If that was the case then why did they charge me {$630.00} on XX/XX/2017? They are using fuzzy math., and I would like to have my {$630.00} returned to me. I have since cancelled my credit card. 

RESPONSE TO THEIR RIDICULOUS RESPONSE The company did send me the {$630.00}. That is NOT in dispute. The issue is on XX/XX/2017 they charged me {$630.00}, and labeled the charge to me as Credit Balance Refund. I do not understand why CapitalOne CHARGED me {$630.00} after they sent me a check for {$630.00}. Why is that charge there? Why did the balance on my account increase by {$630.00}? Look at my statement from XX/XX/2017, page 3, second column towards the top. Explain to me why you charged me {$630.00}. I am getting the same run-around as I received from every operator I called to try and clear this up.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ADESA CORPORATION (TX)

Par North America which is a 3rd party company repossessed ( stole ) my vehicle on XX/XX/. I was not given proper notice from the original creditor, XXXX XXXX XXXX which a complaint will be filed against them as well. I did not receive a letter from XXXX the original creditor until on or about XX/XX/XXXX  and it is dated as mailed out XX/XX/, however my vehicle was repossessed ( stolen ) on XX/XX/. 

Par North America is a 3rd party company that was not given permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. I never entered into any agreement or contract with this 3rd party company who stole my vehicle. They are now threatening to sell my vehicle on or about XX/XX/XXXX  without giving the proper notifications and without giving me enough time to respond to their threat to sell my vehicle. 

I sent them documents via email and fax and a letter for them to cease the sell of my vehicle and to return my vehicle for violating laws, statutes and codes.
Consumer complaint received 2023-09-04
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. (FL)

I'm thankful that XXXX has effectively resolved all the fraudulent inquiries reported on my XXXX credit report. Nevertheless, Experian has not yet cleared the remaining inquiries from my credit file, and XXXX has yet to address the fraudulent inquiries as they have not taken any action to remove them. I respectfully ask the Consumer Financial Protection Bureau ( CFPB ) to ensure the prompt removal of these lingering fraudulent inquiries from my credit file by both Experian and XXXX Credit Bureaus. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion sent a black and white blurred faded in copy of my credit report which I am unable to read. I am unable to view my credit report online to correct the multiple inaccurate information on my credit report. It has been over 30 days I've been trying to obtain my credit report.
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021