davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My card was taken and used by someone. It couldve been my ex wife or someone else. However I have proof from capital one that the incorrect PIN number was entered multiple times. I filed a police report also. I also went to the capital one bank and the manager pulled up the video surveillance system and confirmed it was not me they withdrew the money and also that the incorrect PIN number was entered multiple times. So there is multiple types of proof of fraud. The first unauthorized transactions were back to back withdrawals of XXXX XXXX then another XXXXXXXX XXXX then another XXXXXXXX XXXX all at the same time. Then they went to XXXX XXXX and spent {$2300.00}. Then XXXX and spent over XXXX XXXX And then they withdrew even more money after that. So theres video surveillance proof of fraud and theres the incorrect PIN number entered multiple times. I reported the unauthorized charges within 1 business day of them happening. However even with the video proof and incorrect PIN number entered capital one denied giving me my Money back and they are holding me liable. The manager at the capital one bank was very nice and he was shocked that the main capital one office denied me getting this money back because of the video surveillance proof we saw. I attatched the police report and I attached the denial email from capital one saying that they didnt find a error. Which is not true. There was a error. The PIN number was entered incorrectly the first few times. And theres video surveillance proof of fraud. I attached a email from capital one with the exact claim # s for this fraud. 
Please help me get this money back.
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-17
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: Aldous & Associates, PLLC (CO)

On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (GA)

I cancelled my service with XXXX back in XXXX of XXXX due to the horrible experience, customer service, and billing errors on my account, mainly due to the fact I was also moving to an apartment that didn't take XXXX. XXXX XXXX charged me multiple fees on my account that shouldn't had been such as two early termination fees on the dates of XX/XX/XXXX and XX/XX/XXXX along with unreturned equipment fees on XX/XX/XXXX in the amount of {$390.00}. In around XXXX I started received calls from a 3rd party collections company stating I owed them a balance and I notified them that I was in dispute with XXXX about the billing errors on my account and that I don't owe anything I've already paid my balance which included the 1 early termination fee of {$210.00} equal to a total final payment of {$560.00}. However, XXXX continued to charge me a total of {$1100.00}, I contacted XXXX multiple times between XXXX and XXXX when they sent me my final statements to let them know they were charging me incorrectly and that I had already returned all equipment when i cancelled service in XXXX and that they double billed me for two early terminations in XXXX, they then advised me they would adjust the charges and notate the account and that it would be updated in 24 hours of our call. Well that didn't happen they only adjusted the returned equipment fees for the {$390.00}. They then sent my account to a third party collection again for the balance of {$770.00} that I did not owe. I called XXXX today about the situation for the 5th time because it was reported to my credit on XX/XX/XXXX that I owed a balance which is inaccurate information! I had already paid my debt to XXXX back in end of XXXX beginning of XXXX for {$560.00}. They proceeded to still sent me to a 3rd party collection and have them report negatively to my credit for a debt I did not owe! I want this removed from my credit and for them to stop harassing me about a debt I don't owe when I have been calling every month about this balance they keep telling me they removed already. So just as reference I called again today and they told me they removed the {$210.00} AGAIN and gave me a ticket # XXXX or it might be # XXXX and they told me the debt would be removed and I don't owe them anything.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

After going several rounds with grossly incompetent Equifax employees, trying to get information on my credit file removed, that was the result of identity theft, I finally thought I had success. Unfortunately that wasn't the case. Sadly, even though the dispute results they have provided me indicate that the information was removed, it is still active on my credit file. I have exhaustively tried to work with the poorly trained staff, to get this fixed but every person I speak with provides a different story and none of them have resolved the issue.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC (KS)

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector DEBT RECOVERY SOLUTIONS so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Consumer complaint received 2021-06-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (MI)

Key 2 Recovery reports a debt to my credit report in XXXX that they say has been with them since XX/XX/XXXX. Then sends a letter to my mothers house of an account that I dont have with them in late XXXX  XXXX and another to my grandmothers house in early XX/XX/XXXX. I send back a letter disputing any debt with them on XXXX XX/XX/XXXX in response to the letter sent in XXXX XXXX via certified mail @ tracking # XXXX which is delivered to them by XXXX XX/XX/XXXX which requested validation of debt, proof of ownership of debt, proof of ability to collect in the state of Michigan as they are based in the state of Ohio & to only contact me via mail. The company failed to provide any of the information as requested and further continues to report to the credit bureaus as a collection on my account last seen as XXXX XX/XX/XXXX. This company is also impersonating as an internal collection of a creditor to XXXX  when they are not businesses within the same state lines.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I have tried for the past three years to remove the accounts of Macy 's XXXX from my credit record. I never charged that amount at Macy 's. 
My cousin and I suffered a great deal due to these charges being under my name. 
Please have the company remove any negative data from under my name in the credit bureaus. 
Please have them refund me {$500.00} for faulty items.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

XXXX has a history of extending credit to an identity thief. I have always had an active and current account. ( XXXX was closed with all equipment turned in and paid in full on or about XXXX of 2020. ( the above account is accurate and the only account that belong s to me ) ( All other accounts are fraud. ) One such fraudulent account was sold by XXXX to waypoint resource group. I have reached out to both XXXX, and Resource Group with proof that I had a valid account at the time and the account XXXX and waypoint were collecting for is not mine. Obviously identity theft. Again XXXX has a history of issuing credit using my name and social while I have a valid account. Obviously someone fraudulently living at another address or address I no longer occupied. Ultimately having one open correct account and one open fraudulent account. The total balance for this particular fraudulent account {$570.00} waypoints account number XXXX. I do not know the XXXX account number they are trying to collect on. As stated, it is not the valid account listed above. If they bothered to look, the address are different bet it is for a state I am not living in as well.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NY)

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (KY)

I purchased a {$100.00} Visa Gift Card from a local XXXX. When the gift card package was opened there was a {$25.00} XXXX XXXX card in the package instead of the Visa gift card. I contacted Visa Gift Card services and explained the situation and provided the receipt information that was requested. I was informed that they could see the card had not been used and that the original card that I did not receive would be deactivated and a replacement card for {$100.00} would be issued. I received the replacement card in the mail and upon activation found that there was only {$12.00} on the card. I immediately called Visa gift card services again. I was informed that the previous rep failed to deactivate the card and while the card had been mailed purchases had been made using the original card. Now Im being told that I have to complete paperwork to dispute the charges and the investigation could take up to 90 days. Im having to do extra work and wait for an investigation when the company can verify that it wasnt me to begin with. At this point I feel like Im never going to get my money back and any help is appreciated.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solomon and Solomon, P.C. (HI)

This account with Solomon & Solomon PC is showing up on my credit report. I have never heard of this company attempting to collect this debt from me. It shows up on my XXXX report as an open account # XXXX for {$590.00} reported on XXXX and it also shows up on XXXX as a closed account # XXXX reported on XXXX. I have been in the state of Hawaii since XXXX of XXXX so not sure how one is reported open and the other is reported closed in XX/XX/XXXX.
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-16
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. (LA)

I HAVE DISPUTED THESE INACCURATE INQURIES WITH EXPERIAN SEVERAL TIMES AND THEY ARE SAYING THEY VERIFIED THEM AS ACCURATE, BUT THEY AREN'T I NEED THESE REMOVED ASAP.
THE INQURIES ARE LISTED BELOW:

XXXX  XXXX XXXX
Inquiry date:XX/XX/XXXX
XXXX XXXX XXXX  Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX  Bulk Purchase Finance - General
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

JXXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NV)

There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this gym. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have a HUGE private student loan debt from Navient formally known as XXXX in the amount of {$37000.00}. It was n't until I graduated from college that my parents and I realized that we had a private loan instead of a federal student loan. My parents and I felt we were manipulated into getting these private loans by not getting clear concise explanations before signing up for these loans. They started calling me constantly about loan payments when I graduated from college with my XXXX, stating that I had to start paying on my loans after six months. When I complained about not making enough money or having a job in my field of study to pay my loans every month they put me on " Interest Only Payments '' for five years in which I was paying {$150.00} every month only to find out that my loans were still going up! 
Now when they call me constantly about my missed payments and when I complain every single time I speak with them about not being able to afford it being that I am the main breadwinner in my household supporting my wife and myself ( with utility bills, rent, groceries and etc ), the only option they give me is a " forbearance payment '' of {$150.00} which is to stop the harassing calls to my parents ( who cosigned on the loan ) and myself and make my loans current, but by doing so will add it on the backend of my principle loans making my loan amount go up even higher! Thanks to Navient/XXXX hurting my credit score its tough for me to get a decent job in my field of XXXX because of some Employers doing credit checks. They 've also hurt the credit scores of my retired parents which is despicable in my opinion because they cant afford to pay on my loans either. Navient do not have any reliable resources or options to help people with private loans and helping them succeed in a financial future.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and Transunion. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.