davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
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: CITIBANK, N.A. (NY)

It came to my attention that theres some incorrect information/ accounts that were not mine, never were mine and ive never cosigned or allowed my information to be used heres the accounts below 1. cbna - {$190.00} XX/XX/XXXX2.XXXX XXXX {$0.00} -XX/XX/XXXX 3.XXXX XXXX {$0.00} -XX/XX/XXXX4. best buy/cbna {$240.00} -XX/XX/XXXX 5.macys/dsnb - {$500.00} -07/2017 6. verizon {$1000.00} -06/2017 7. amsher XX/XX/XXXX ( XX/XX/XXXX ) {$160.00} -XX/XX/XXXX 8.XX/XX/XXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

Hard inquires : XXXX XXXX XXXX, XXXX  / XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, account number XXXX Account name XXXX  XXXX, account number 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
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IN)

I mailed dispute letters to Experian for several items on my credit on the following dates. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and yet they, Experian continues to mail me the same response, verified, Reinvestigation information, This item remained unchanged from our processing of your dispute in XXXX XXXX??? Are you kidding me? This is a huge violation or many violations according to FCRA laws written to protect me! 

If you want copy 's of each letter, I can upload those also.
Consumer complaint received 2022-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I am a victim to medical debt appearing on my credit file. " GLA Collection CO Inc '' is alleging that I own a debt. I am certain I do not owe any medical debt and that my insurance company have paid anything that may have been owed in the past. It is a direct violation of the Fair Credit Reporting Act to have medical information appearing on my credit file such as debt that is alleged from a hospital. According to the Gram Leach Bliley Act, I have to give my written consent to have any consumer transaction reported on my credit file. I did not give GLA or any Medical/Financial institution to report anything on my credit file, it is a violation of privacy. It is also a violation pursuant to the Fair Debt Collection Privacy Act, to collect a debt that is not owed. I do not owe any debt and I am being harassed and abused by this collection company. I demand that they cease and desist all forms of communications with me through all mediums just as the FDCPA states. All mediums do include the reporting on my credit file. I also did not give this company any permissible purposeI as defined under the FCRA to report this alleged debt to my credit file. I demand that these collection accounts be removed from my credit file immediately and the debt be XXXXXXXX XXXX  out in their system. This company is in direct violation to the FCRA and FDCPA. I will seek remedy if my request are not met.
Consumer complaint received 2022-04-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation (DE)

XXXX XXXX of ONE MAIN FINANCIAL reached out to my employer XXXX XXXX XXXX XXXX  to discuss a late payment to which I missed via telephone on Friday XX/XX/2022. My employer DOEN NOT allow personal calls during our work shift yet she is persistent to do so anyways. I would like these unwanted calls to my employer to cease immediately. I personally sent a CEASE AND DESIST ORDER to One Main Financial address and phone number is listed below. 


ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX or XXXX
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX XXXX  is reporting a debt on my report that does not belong to me after being informed of the fact. They cant provide key identifying information and the social security of the applicant of the debt and mine different.
Consumer complaint received 2023-06-26
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
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)

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

Bankruptcy I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act the following XXXX Accounts has violated my rights. 

account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Servi 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (FL)

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (FL)

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received {$9300.00} for my property damage from XXXX through direct deposit link. I accidentally typed in one wrong account number and the money was transferred to somebody elses account. I talk to my insurance company XXXX who told me to go to my bank, bank of America, which also banks with XXXX to retrieve my money. 

It has been more than three months. Ive ran up and down talking to XXXX and Bank of America, to retrieve my money from the wrong account. XXXX wont help me because theyre stating is the banks issue. The bank wont help me stating its XXXX issue. Nobody is retrieving my money.
Consumer complaint received 2022-04-17
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: CITIBANK, N.A. (FL)

I need you to investigate the following account Account # XXXX Account Name : CITI Bank I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card Company bought another Credit Card Company. I have some XXXX accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form XXXX ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused to acknowledge the problem. They ignored my problem completely. The only thing they did do was send me a letter and say they would notify all the Credit Reporting agencies that there was an error and I was a victim of Fraud. I called the IRS and they informed me that unless Capital One sent in a corrected copy of the XXXX they could do nothing.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

Bankruptcy I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (CA)

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohl 's has promised to remove a charge several times from my credit card ( have copies of email ) for Incident number XXXX for order # XXXX which occurred THREE months ago. Recently, the decision was made not remove charge ( s ) from Kohl 's account related to an item that I am disputing the purchase of. Requiring me to pay for a police report to remove the disputed charges for an item that was never sent/delivered to me. They are violating my right to get reimbursed for the product they did not deliver to me.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (CA)

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

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 XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC (TX)

My car has been in and out the shop for repairs Im paying every two weeks I dont feel Im getting my moneys worth out of my car Im having to pay people to take my husband back and forth to work havent had the car thirty days its not far Im out of more money and youll are winning Im trying not to file a lemon law on this vehicle. I have even ask them to let me trade out the car and Im not getting any response
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.
Consumer complaint received 2022-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

i open an account through the mobile app on chime app. i had the account for a while and suddenly the company decides to freeze my funds for 2 years already and still going, with no attempts to contact me. they only respond to my emails with more questions which i have already responded. i have waited enough time, i have sent them a picture of my permanent resident id, and a selfie holding the id as they have requested in the email they sent me. the amount owe to me is XXXX is the last number i remember before my account was put on hold and my access was denied. i am afraid that the company will retaliate against me for asking for my money back. i have waited 2 years already and i am asking for more professional help to resolve this matter. my contact is XXXX, my phone number is XXXX.
Consumer complaint received 2022-04-17
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. (FL)

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. 
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
Consumer complaint received 2022-04-17
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. (TX)

In accordance with the Fair Credit Reporting act 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 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Collection Agency : XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Account XXXX PORTFOLIO RECOVERY ASSOCIATES account XXXX ( XXXX ) XXXX both Accounts listed above have 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
Consumer complaint received 2022-04-17
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. (LA)

I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.