davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Repeated, unwanted calls every single day. The CapitalOne company sent information saying it can share my phone number with whoever they want. Ive told them to stop calling. Ive received paperwork from CapitalOne saying theyre suing me and they still keep calling from different phone numbers repeatedly and constantly every single day.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX Incorrect employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

I have been banking with J. P. Morgan Chase for at least 15 years. Initially, I had access using my cell phone, and not long after, I had online access. I have XXXX checking accounts with Chase, a savings account and XXXX credit card accounts with Chase. Online access has played an instrumental role in staying on top of things. A couple of days ago, I tried to access my bills online. After entering my login information, a message appeared on the screen instructing me that I had to accept the agreement in its entirety or I could no longer have access to my accounts. Before I can continue to access my account, I must agree to electronic communication and authorize them for electronic signature. It is presented as agreeing or not to use our site even though we have your funds. This is unacceptable to me. I value my signature and don't feel comfortable approving someone to use it as they see fit without consulting me. I want to know when and why my signature is being used. I don't want to find out after the fact that something happened as a result of my authorizing the use of my electronic signature. That I did not agree with or approve of. It would also create a hardship for me to have to close out the accounts with Chase and seek out another bank to fit my needs. I don't think Chase should be able to block me from my accounts when I owe them nothing and they are profiting off my accounts. Having online access is very helpful in managing and keeping track of my funds.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2016 ) agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting CAPITAL ONE BANK USA NA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-09-05
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I started with Lexington Law after speaking to one of their representatives in XXXX. Rep confidently promised me that my score would be in the XXXX in the matter of a couple of months for a simple fee of $ XXXX a month, I payed Lexington Law for a long time and absolutely nothing changed due to their actions or lack thereof. Lexington Law continued to bill my debit card and account even though they werent doing anything to change my circumstances of identity theft etc. late fees and all
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/year>, navy federal credit union made two withdrawals without notification or authorization to my checking account. One transactions were for XXXX XXXX and the second transactions was for XXXXXXXX XXXX When I called to inquired about transactions, I spoke to both navy federal and XXXX agents who claim to have proof I scammed someone via XXXX when in reality I dont know who this person claiming I scammed them. According to both policies, each company lied about the reversal policy. XXXX policy on the website states XXXX payments can not be reversed. With XXXX money moves into an enrolled recipient 's account within minutes and can not be reversed. According to navy federal policy via website states There's no dispute process/purchase protection if you don't receive goods you were promised, and you'd have to handle the matter directly with the recipient yourself. Yet navy federal and XXXX reversed a payment without proof of me scamming. The only reason I know its a scam because I dont know who the person is nor to the person have any record of any communication with me about buying or selling anything. I talked to multiple people at navy federal and they state its nothing they can do about yet my money in my account is gone. I am an innocent bystander and if they done this to me how many ppl is out of their money because someone lied. I am a single mother and I worked extra hard for what they have taken and refuse to get back. I want to sue both companies
Consumer complaint received 2022-12-07
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I received a XXXXXXXX XXXX XXXX from Chime in my name. I received a text to XXXX XXXX XXXX  cell that the card had been delivered. I never asked for this card and had never heard about Chime before. On XX/XX/XXXX I called the phone number on the card and were asked to give personal identifying information ( last XXXX # XXXX XXXX XXXX XXXX XXXX, etc ) before they would even talk to us. Eventually they said this was identity theft and said they would send me an email. I was given a ticket # XXXX. I never received an email. On XX/XX/XXXX I called again and had to repeat the entire process again. I tried to give the ticket number telling them there was already a case report but they refused to take it. I asked to speak to a XXXX XXXX XXXXXXXX ) who also refused to take the ticket number, asked me all the personal info questions again and gave me a new ticket number ( # XXXX ) and was told again that they would look into it and send me an email. I still have not received an email. When I asked if there has been activity on this account they refused to tell me. I am concerned that this company is a fraud and now they have even more of my personal information. Their customer service workers do not understand basic XXXX and had a hard time understanding what I was trying to tell them. The phone number on the back of the card is XXXX.
Consumer complaint received 2022-12-06
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-12-05
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. (MI)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights on my transunion report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, XXXX and EXPERIAN is XXXX in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2024-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX in the afternoon me, XXXX XXXX applied for the Capital One Savor One Card. I was declined for the card but that was not the issue. The issue was the fact that one singular application for one card resulted in all three credit bureaus receiving a hard pull. I was completely oblivious to the fact that applying for one singular card or any other singular card from any other company could hard pull from all three bureaus at once. If I was aware of this fact I would not have even applied for the product from Capital One to begin with. I immediately called Capital One customer service trying to understand why all three bureaus were pulled, and also trying explain the fact that if I knew this prior to submitting the application, I simply would not have submitted even if I knew for 100 % fact that I would have been accepted for the product. They could not help me at all, feeling helpless I decided to search the internet to find a way to solve my problem. I found out about disputing hard inquiries, but the issue was you could only dispute inquiries that incurred without your knowing, hence fraudulent. Although this was not fraud, I am the person who initiated and submitted the application from Capital One, but I can not say I knew that all three bureaus would receive a hard inquiry. I was expecting one hard Inquiry after the submission of the application not three, as stated before if I had know this I simply would not have applied, even if I were guaranteed an approval I still would have not have taken it. 

Company I am Complaining About : Capital One Name : XXXX XXXX XXXX Email : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (OH)

Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment &amp; have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc. (CA)

I inquired about services from XXXX  XXXX. The cost of the services were XXXX  as much then other dentist where charging. I cancelled the services and they still charged me. They charged me for nothing they did nothing.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX 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 XXXX 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 2022-11-02
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)

They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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. (MD)

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.