davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (TN)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$920.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Upon checking my credit report, I notice an account from USAA SVG BK that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that USAA SVG BK were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Monday XXXX-2021 @ XXXX XXXX I received a text message from my banks fraud dept. advising of a {$450.00} charge to XXXX and if I recognized it, I responded NO. Then at XXXX XXXX immediately after the text message I received a call from a man that claimed to be from my banks fraud dept. ( the phone number was from my bank ). The man advised me that our debit card had been canceled and a new one was already ordered. The man disclosed all my personal info including my secret 4 digit code that only my bank and myself is supposed to know. He then disclosed my mothers maiden name which is too only to be known by my bank and myself. Once he disclosed my personal info he asked me to verify my online banking user name and password which he also knew, I just confirmed it. The guy then sent me to text from my banks phone number displaying security codes that would give him authorization to access my account. He then explained to me that my account would be suspended temporally to protect from further non authorized charges. At that point he asked if I had any other questions which I said no and the call was ended. Then at XXXX XXXX I received another text from my bank advising of a {$1100.00} charge that was just made from my account. 

I called the same bank number that I just got off the phone with and was given to a lady in the fraud dept. I advised the lady of what just happened and she said I was scammed. She took my info, closed my account and deactivated our debit cards and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. 

On XX/XX/XXXX2021 @ XXXX XXXX I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me. When he returned he advised that since this situation was my fault that opening a new account would likely not be approved, and getting the {$1100.00} we lost would likely not happen. The banker went ahead and opened a new account but said it would likely not stay active. 

At approximately XXXX we visited our local police department and spoke with an officer to file a report. After explaining our situation to the officer she advised that it would be impossible to track down the scammer because of the bank phone number used. I advised her what the bank had told me and she felt that we were dealing with a security breach or bank employee because the scammer new all my personal info including the security keys that only myself and the bank should know. The officer give me her contact info and advised that she would call the bank to see about what she can do for us.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Silverman Theologou, LLP (MD)

I was working with a collection agency on a debt of {$2800.00}. I offered a settlement to be paid of {$1800.00}. They submitted the offer and it was declined. During this time, I received a bill of {$2000.00} for a lawyer and found out that my position at work would be decreased. I said that I could offer {$50.00} a month and it would have to be dragged out. The debt collector told me that I originally made an agreement for {$150.00} a month and if I didn't pay it, he would start a legal process on me. He told me if I could afford a {$1800.00} lump payment, I could afford {$50.00} a month. I let him know that I just received a lawyer bill for a divorce and he told me that he didn't care and it was a personal matter. I told him that this personal matter is now affecting my financial situation. Once again he threatened to take legal action and then when I asked for a copy of my signed agreement ( there isn't one ), he told me he was taking legal action. 

Also, I have asked for a written statement so I know who I am paying, and they have refused. How sad that a woman who is going through a divorce with a husband who is an XXXX, had to sell her house because she almost went bankrupt, and is in the middle of a terrible divorce would receive such terrible treatment. Other debt collectors have been great in helping and understanding my situation.
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a new account with Capital One on XX/XX/XXXX. I also initiated a test transfer of funds from my existing credit union account ( XXXX XXXX ) of {$1000.00} to fund the new account. While waiting on these funds to finish transferring I received my deposit refund check from the location we lived in previously ( we just relocated to XXXX from XXXX ). I proceeded to use Capital One 's mobile app to deposit this personal check into our new account which occurred XXXX. The morning of XXXX I woke to find an email stating our brand new account had been locked due to suspicious activity and I needed to call to resolve the matter. I then called Capital One and was informed that due to this being a personal check they can not confirm if it is valid and the only way to unlock the account is to have our former landlord reverse their check with their bank. So I am attempting to get this done, but for now Capital One is holding our funds hostage for no reason.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I opened this account prior XX/XX/XXXX.

My first credit line Increase application was back inXX/XX/XXXXand it was denied I was told to wait until XX/XX/XXXX to apply again to see if itll be accepted I was denied again.

I called customer service rep and spoke to several customer service reps as well as manager and explain that I had tried several times to get a credit line increase and I continue to get denied.

The last agent I spoke to told me I needed to wait until XX/XX/XXXX that is 1 year wait too long of a time in every denial letter the only thing that it says is that a credit line increase is not available. My credit is over 730 in all 3 credit bureaus also I have always made on time payments every month and paid more than the minimum every both while always maintaining a low balance on my account. 

I want to be given my credit line to be increase like I'm supposed to.
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: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-03-08
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. (IN)

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2021-03-08
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. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXXXXXX
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AR)

AMERICAN EXPRESS XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX Please provide the following :
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (NY)

Experian is reporting that I have a dismissed chapter XXXX bankruptcy that was verified through XXXX XXXX and I sent them a copy of my XXXX XXXX information to Experian that my XXXX XXXX report does not have a dismissed chapter XXXX bankruptcy included in it. It is not 100 % accurate and i sent them a dispute letter asking for it to be verified and if is not verified please remove it.
Consumer complaint received 2021-03-08
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: Santander Consumer USA Holdings Inc. (KS)

In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus. 

Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report. 

I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXostal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my second complaint in correspondence to Transunion 's response to my first complaint. Transunion advised me to send in documents from each creditor to have the unauthorized inquiries removed as they were fraudulent, the creditors sent them in and sent me copies as well. I too sent copies of what they sent me to them, I worked tirelessly to get these to them and they continue to say they do n't have record of them. I have attached one of many documents from one of the several creditors to prove that I have sent in the documents via fax/mail and so have the creditors. I have called numerous times and they continue to tell me the information has not been received and therefore can not delete the unauthorized inquires from XX/XX/2017. There is lack of organization and filing with this company and they refuse to take anything electronically.