davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-09
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 (MD)

An agreement was reached under the supervision of the state attorney general consumer affairs division for a merchant to cancel a contract and refund me {$6000.00}. This refund was issued to me on XX/XX/2022 on my Capital One credit card ending in XXXX. Even though this card was closed down on XX/XX/2022 for fraud, Capital One assured me that the card is linked to my new card and the credit should post. Till now, I have not seen the credit of the {$6000.00} being posted to my account. I have seen other credits from other merchants that were charged under the XXXX and for which all or partial credits show on my new card. 

Capital One confirms ( letter attached ) that the credit of {$6000.00} was issued by the merchant but doesn't state why they did not post the amount. 
The merchant provided me proof of credit issued ; the {$6000.00} withdrawn from his XXXX  XXXX XXXX account, Deposit Id to Capital One for the transaction all of which are enclosed here. The agreement and cancellation of my contract with the merchant is also provided here. 
Capital One confirms that the merchant issued the refund in a recent letter ( attached here ). So what seems to be the problem????? Why are they keeping my money????
Consumer complaint received 2022-12-09
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Consumer complaint received 2021-01-06
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: Early Warning Services, LLC (GA)

This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND XXXX
Consumer complaint received 2023-07-05
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-12-09
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. (TN)

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Consumer complaint received 2021-01-06
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)

XXXX replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is XXXX 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. ''
Consumer complaint received 2022-12-09
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. (TN)

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Consumer complaint received 2022-12-09
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. (CA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

I am victim of identity theft, and I did not make or authorized these charge ( s ). I request that you remove the fraudulent charge ( s ) and related finance charge and other charges from my account. After that has been completed, please send me an updated copy and accurate of my credit report.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATION/XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
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: Arivo Acceptance, LLC (CA)

Subject : Deletion of Unauthorized Credit Inquiry ARIVO ACCEPTANCE LLC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2022-10-18
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. (NC)

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection accounts 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and Equifax, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (OH)

I have a BJ 's Perks World XXXX through Commenity Bank. In XX/XX/2022, Commenity Bank performed what they referred to as a system upgrade. The card offers reward dollars for purchases and then it is supposed to appear on my BJ 's club account to be used in store. While the upgrade occurred, rewards are not appearing on my BJ 's in store club account. There is a message on Commenity bank rewards page that says the following : Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. I have been calling Commenity Bank as well at BJ 's member services since XX/XX/2022. I have recently been calling every four days since the beginning of XX/XX/2022. I have owed over {$230.00} in rewards and keep being assured it will be credited to my account in three business days. This has been going on for more than six months.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I have reviewed a copy of my consumer report and observed that both the consumer reporting agency and the alleged " creditor '' have provided my information without obtaining my proper consent. It is evident, as per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, that they must either possess my written consent or have legal authority from a court to share my information on my behalf. I want to make it unequivocally clear that I do not consent to the sharing of any of my information by these entities. 

In accordance with the FCRA, I am issuing a cease and desist order to halt all illegal activities related to my information. This includes ceasing all forms of communication, such as phone calls and emails, and the dissemination of my data to any third parties without my explicit consent.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NJ)

Hello, I am nothing less than shocked at what I have just encountered with Avant Credit Card XXXX. It is something out of a fraud discovery documentary. 

I paid my balance off of {$2800.00} on XX/XX/22 and then closed the account. I logged into my account XXXX before I was going to delete the shortcut because I CLOSED THE ACCOUNT. I found that there was a balance of a {$6.00} in interest charges on my account posted on XX/XX/22. I was NEVER informed of any payment due by mail or email. Then they proceeded to charge me interest on the interest and a late fee of {$6.00} on XX/XX/22 which doubled my balance and I was still never notified of any balance owed in any way. This is loan sharking. 

After my second phone call, the late fee was waved. Then I was forced to make a payment of {$7.00}, which included the interest on the late fee that was waved, in order to avoid further late charges and interest. This is essentially extortion. 

When I contacted the company multiple times I reached a service out of the country that only quotes policy. They waved the late fee only after speaking to several people and wasting a lot of time. They also did not understand the math of me having paid interest on the late fee that they just waved. XXXX person actually said to me that I was not sent a paper notification because I was on e-statement. That was after I explained several times that I received no notification of any type and that at the account was closed as was even indicated by their app/website. 

I confirmed on XX/XX/22 that this account was reported as delinquent to the credit bureaus This is a very serious matter. Something needs to be done to correct my credit report and penalize this company for its predatory practices. The entire time this was happening this account has been closed. If I had not checked, they would have continued to increase the balance with late fees and interest and continued to negatively impact my credit ; all without ever notifying me.
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I tried to cash my payroll check via the Huntington Mobile app on XX/XX/23 and I checked the verbiage on the app to be sure there were no temporary holds on funds. Nothing was stated, so I made the digital deposit. After my check was submitted I was informed that it would be held for almost an entire week ( until XX/XX/23 ). I reached out to both my local branch, and the customer service line and both informed me that there was nothing they would do to make my funds available. 

I depend on my paycheck for food for our family and fuel to get to work and now have to go without meals for a week and need help for transportation to my job. This degrading situation could have been avoided if they would have stated that payroll checks were subject to long holds and would not be available. 

To add insult to injury, after I finished up with customer support telling me they refused to remedy the problem, I received a promotional email from Huntington telling me to make a mobile deposit to have funds in my checking account.