davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My son had his truck stolen. A police report was made and we had to go to court. His personal phone and our company phones and tablets were stolen from the vehicle. These devices were then used to access personal and company financial information. Charges were made through our cash apps to cash app multiple individuals, sometimes as many as XXXX etc transactions were made per day. XXXX XXXX XXXX did not flag the transactions as suspicious. When we found out, a fraud alert was placed on the cards. New cards were sent out. When we received the cards they wouldnt work. We called again and new transcations were made but not from the cards. They sent new cards again. Then again. Then again. We still were not able to use the cards, but transactions were still being made online though cash app even though the physical cards would not work and the fraud was reported. XXXX XXXX continued to let these indiviuals drain the cards account and post payments from personal and company accounts so they could continue to pull money from the cards. XXXX XXXX was informed of this and continued to let it happen know the physical cards were not working and they were also made aware that the financial information was stolen when the truck, computer, and both phones and files containing the financial info was taken. They were informed that there were police reports and court documents and still insist that myself and card holders gained from these transactions. There are only XXXX card holders, my husband and myself. No one else is authorized to use the accounts except my son when he is given permission while doing business for the company.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Have over XXXX XXXX on the phone back and forth with XXXX as well their collection agency I.C. Systems Inc. and they all continue to be non compliant and infringing on my rights. This account is fraudulent is was already removed once now it came back with a different collection agency this is fraudulent and was opened witout my authorization or consent and needs to be removed immediately.
Consumer complaint received 2020-03-27
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MI)

Please remove account from XXXX XXXX AND XXXX XXXX  ACCOUNT # XXXX opened XX/XX/2016 because its past 7 years
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendbuzz Inc. (CA)

I bought a used car and got loan fraud. 
On XX/XX/XXXX, I bought a used XXXX XXXX XXXX at a used car dealer called XXXX XXXX. The address of this dealership is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The actual company name is : XXXX XXXX XXXX XXXX, Company Number : XXXX. 

The owner who bought the car was XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. He agreed that the total price including tax would be US {$16000.00}. He persuaded me to lend me US {$10000.00} at the car dealership, and the loan fee was US {$1000.00}. The other {$6500.00} is composed of {$4300.00} in discounted old cars ( a XXXX XXXX was also bought at the XXXX XXXX in XXXX for {$4800.00} ), {$1700.00} in bank transfers, and {$500.00} in cash ). All the procedures of the loan were handled through the first-stop second-hand car dealer, who asked me for a California driver 's license XXXX a XXXX passport, a US visa, and a US bank address certificate XXXX On XX/XX/XXXX, I saw the email from the loan bank I received on XX/XX/XXXX. The loan bank is Lendbuzz. Through the translation software, I know that the principal of the loan given to me by the first car dealer is {$16000.00}, and the car price is {$21000.00}, which is different from the actual car price. Huge and the loan down payment stated is {$6000.00}. I contacted XXXX XXXX immediately on the same day, but did not give me a satisfactory answer. I rushed to the second-hand car dealer at the first stop on the XXXX, but I didn't get an answer about the car price. I found the loan bank Lendbuzz, on XX/XX/XXXX, the loan customer service XXXX ( XXXX ) XXXX gave me the answer that the car purchase contract with me was a car dealership located in XXXX, XXXX XXXX, Address : XXXX XXXX XXXX, XXXX, CA XXXX, Phone : ( XXXX ) XXXX. I haven't gone through this dealership since I bought this used car and I haven't been to XXXX. 

On XX/XX/XXXX, through verbal communication with the bank, I agreed that no repayment will be required for the time being. 

I disapprove of the {$5500.00} excess on the loan and can not afford it. I propose to return this second-hand car, terminate the total loan, and return my upfront payment of {$6000.00} ( XXXX XXXX has already refunded {$400.00} in cash on XX/XX/XXXX ). 

( All the above content is translated from XXXX by XXXX )
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank Of America XXXX XXXX card ending in # XXXX is wrongfully withholding my {$120.00} that was deposited XX/XX/2022 as an electronic deposit from a refund from a vendor, XXXXXXXX XXXX XXXX XXXX XXXX AZ.
Consumer complaint received 2023-02-12
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. (CA)

This company has been furnishing my information without my written consent in direct violation of 15 USC 1681 section 604 ( a ) ( 2 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

this company is also violating my right to privacy under 15 USC 1681 section 602 ( a ) 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings I have a right to privacy and they do not have a written consent that they could furnish my information to any credit agency.
Consumer complaint received 2020-03-27
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. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.
Consumer complaint received 2020-03-27
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. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I have been called XXXX separate times by Comenity Capital Bank in the last XXXX hours. They call from no caller ID, and also from numbers that look similar to my contacts. They never leave a voicemail and call back to back repeatedly. I have XXXX full time jobs and this type of harassment is something I do not have the time for. I have asked them multiple times to stop calling me.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

On XX/XX/XXXX, my credit, debt, and health savings accounts were physically stolen from a fitness club   without my knowledge. The bank called me on XX/XX/XXXX to ask about purchase being made at the XXXX  XXXX. I looked into my wallet and realized the cards were gone and the bank shut off both cards. They initially refunded the entire balance($XXXX on one card, $XXXX on another card for a total of $XXXX) back but then denied the fraud claim and took the funds. They claimed this was because I did not get a police report. A customer service representative claimed once I submitted the police report, I would receive the funds back she was so confident she gave me her employee number, XXXX  employee #XXXX. They also indicated I should not pay the balance down due to it being fraud. After a few weeks/months I decided to pay the balance in full because the matter was not making any progress and the interest charges were starting to add up. I received the police report on XX/XX/XXXX  after months of bad communication or information from my bank. Apparently over a certain $ amount if you do not provide a police report, they deny your claim. This would be nice to know, they claim they sent a notice to my home which I also never received. They told me at least 3 times the police needed information from me and each time I called the police station this was not the case. I talked to the officer many times who was assigned to my case (Officer XXXX PD) and she even offered to call the Fraud Team with me. This did not work either as the fraud investigator was almost impossible to reach, his name was XXXX XXXX XXXX. I even inquired the help of two different HSBC Managers(XXXX CT- XXXX XXXX XXXX and XXXX NY-XXXX  XXXX XXXX) and they struggled to contact the team as well as they are a separate department from retail bank operations. I finally threatened with a lawyer(XX/XX/XXXX, bank responded XX/XX/XXXX) and asked for the badge numbers of officers they claimed they talked to(XX/XX/XXXX, no response from the bank). I have heard from the branch/relationship managers that they denied my fraud claim for a second time because the point of sale system used at XXXX, one of the places I got frauded at, had a receipt with my email address on it. No one from the fraud team ever provided in writing a reason why I was denied. I know this is not a huge sum of money but it is mine and I want it back. The icing on the cake was I closed on my first home XX/XX/XXXX and these accounts were flagged as disputed accounts and came up in underwriting. I provided an explanation to XXXX XXXX XXXX and they approved my loan on a 30 day close. I went with XXXX XXXX XXXX for my mortgage even though the APR was higher because HSBC has lost my trust with the way they handled this matter.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, incorrect personal information placed on my credit report is a violation. I have requested the following incorrect addresses be deleted from my credit file : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No actions have been made by the EXPERIAN credit bureau to resolve or correct this problem. 

Two certified letters were mailed to EXPERIAN on the following dates requesting the above addresses be deleted. Certified letters on XX/XX/2022, tracking # XXXX, and XX/XX/2022, tracking # XXXX 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 an account without my written instructions.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

I am trying to get a three month forbearance on my mortgage. The XXXX and the state of Maryland said that I had to close my XXXX   XXXX  because of the covid 19 virus. I called the mortgage company several times and was put on hold for hours. Looking on XXXX I can see that many other people have had the same experience. The company does not have any way to initiate the process on-line.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

A fraudulent credit account, XXXX XXXX XXXXXXXX, was opened in my name by Wells Fargo rep ( s ) in XXXXXXXX XXXX XXXX. Previously, I've never heard of or done business with this company. A XXXX search shows this company is located in XXXX, GA, I am nowhere near this location, living in Connecticut. Further, I have not received anything from this company, despite billed XXXX. Due to this account opening, I have been denied credit, my credit score impacted. When brought to attention of Wells Fargo, they replied in part by sending mediation request forms, which are filled out, sent in, marked as duplicate and refer to prior mediation regarding unauthorized deposit accounts ... .With regard to that mediation including tracking ID XXXX, I was offered a payment in amount of {$3.00}, XXXX plus estimated IRS taxes totalling {$5.00}, XXXX. Payment was never received, sent to an old address after I moved. It appears a third party intercepted check, cashed it in my name. Wells Fargo investigated matter, unable to recover funds, refused to reissue check despite their own error in sending to incorrect address. I requested proof of address verification, was provided with a document showing my signature agreeing to accept a payment in amount of {$500.00} from a XXXX XXXX, nothing to do with previously mentioned payment in amount of {$5100.00}. Wells Fargo continues to send mediation request forms, a total of nine or more have been filled out, an acknowledgement letter is received with tracking number, when I call number on letter, I am told all efforts exhausted, call disconnected. Needless to say these forms are a mere runaround, when exposed as such, Wells Fargo marks complaint as duplicate. There is mention of mediation payments including amounts of {$17.00}, {$50.00}, {$400.00}, none of which received, do not cover losses/damages by accounts mentioned above. In closing, Wells Fsrgo has been fined by CFPB for handling of accounts mentioned here, the amount of XXXX XXXX, has little to no credibility
Consumer complaint received 2022-11-07
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. (IL)

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 XXXXXXXX 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 an 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.