davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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: DISCOVER BANK (NY)

I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). 

The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX  XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-08-08
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. (OH)

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX # XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX  # XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AL)

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 2022-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and equifax, XXXX and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. equifax, XXXX and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

I originally loaned the car from US Auto Sales and they went out of business and sold to Westlake Portfolio. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted Westlake Portfolio to see why this is happening and only thing they tell me is I can contact US Auto Sales. I cant contact US Auto Sales because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to US Auto Sales because it doesnt allow me to log into their website anymore, its automatically transferred to the Westlake Portfolio website.
Consumer complaint received 2023-07-19
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AK)

on XXXX i was applying for the XXXX in Alaska and there website glitched when i hit submit the page reloaded with someone else info from XXXX Alaska it showed me me their address date of birth ssn and bank info i got XXXX other calls saying my info pop up on there screen shortly after the pfd data breach accounts that i did not open started appearing on my credit reports
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Citizens Bank on numerous occasions have charged me overdraft fees when I've put money to cover transactions before they are posted and failed to refund me. Always an excuse about transaction order and other things even when I remain positive on my account for days afterwards and the only thing that would cause me to be negative are overdraft fees. I've had my card stolen and they have a XXXX liability policy and they have failed to refund me my money. I've opened disputes about items not received and they close the disputes without any notice and reverse the provisional credit on the last day to XXXX  overdraft and pay more fees. Their customer service is horrible. I'm charged for unauthorized transactions and they set it up to make sure you endure fees. I have dates and information as well.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (WI)

I had a XXXX altima XXXX that was totaled in XXXX and was paid off with wells fargo and never received difference for the gap insurance. 
And why I am I not part of the lawsuit with wells fargo. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (CA)

I have been a victim of identity theft. I had a Charged off XXXX XXXX account listed on my Equifax credit report that doesn't belong to me. I called XXXX XXXX  and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage
Consumer complaint received 2023-09-27
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. (NC)

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 and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
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. (AL)

I been having problems with this company for a 2 years now. I disputed and gave them chances to actually solve the issue. They do not investigate any thing and everything comes back verified with no reasonable explanation. They have numerous times to fix the issue and just won't budge
Consumer complaint received 2023-09-27
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. (PA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2018-10-15
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: EQUIFAX, INC. (AR)

in XX/XX/2018 I disputed a account with XXXX, and Equifax, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, XXXX  and Equifax your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2018-10-15
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. (TX)

TransUnion XXXX XXXX  Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXX Original Balance i sent transunion the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AL)

Today XX/XX/2022 I tried to use the money that I have on my account to pay for some stuff that I need and I see a declining transaction multiple times. I decided to call this people from Credit Karma and asked them who authorized the cancelation and lock of my debit card, nobody can give me a true answer. They told me that the customer decided to lock the account which isnt true, I have never locked my account or debit card. How am I gon na do that and keep me without money?
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Unauthorized Charges by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo returned XX/XX/XXXX {$54.00} Wells Fargo states ther is nothing else they can do. 

I reached out to XXXX XXXX  They tell me there is no history on there end
Consumer complaint received 2023-08-08
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: Resurgent Capital Services L.P. (GA)

The XXXX XXXX Resurgent Capital Services has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX Resurgent Capital Services has not made XXXX attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on XXXX of my credit report.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC/Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC's/Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/ Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-25
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. (CA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX