davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-13
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 (NY)

On XX/XX/, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated all disputed charges. 

XXXX has now falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged any of my responses disputing these charges. Its messaging web page is used only to memorialize communications favorable to the Bank.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (GA)

I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Genesis Credit Management, LLC (WA)

They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Experian, XXXX and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that XXXX have been given. I have also included the reports from all 3 agencies with inaccuracies and unpermitted inquiries. I have called all 3 agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Consumer complaint received 2023-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I printed the form Annual Credit Report Request Form from the computer. I filled out a form for myself, my husband, my son, and my sister. I mailed them all onXX/XX/2023. 
From TransUnion my husband got his free report. My report and my sister 's report came back with a blank score. I called and spoke with a representative that told me I needed to go to a different web site. I told her, NO. My husband got his report from the form I filled out. She transferred me to another agent who told me the same thing. When I said no he said he would mail me a " complimentary '' report. That report arrived without the score just as the first one. Both reports stated I had not request a free report. 
My sister made a copy of her request and sent that back in, again, requesting her free copy. Same thing happened. Report with no score. 
TransUnion sent info to my son requesting verification of address. My son sent in proof requested. He, likewise, got his report with no score. 
All these reports from TransUnion wanted {$9.00} in order for us to get our FREE credit report which we are all still waiting on.
Consumer complaint received 2023-05-27
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: GOLDMAN SACHS BANK USA (CA)

Fraud. 
Someone opened Goldman Sachs credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both Goldman Sachs nor XXXX. 
Froze all credit reporting agencies.
Consumer complaint received 2023-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been harassed and threatened by this company for over three years now and this company has yet to prove anything to me on what debt they claim I owe! This has affected me since XXXX  a total of XXXX YEARS of this misrepresentation on my consumer report. They have been collecting money on this account since they purchased and it is unacceptable!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I was notified that my Citibank account ( XXXX ) was blocked for closure. My account was opened as a child and considered a custodial account to my parents joint account. On XX/XX/2022 {$27000.00} was withdrawn from my savings account. Since that time there has been no accounting of this money. I believe that some may have been used to pay outstanding money my parents owed to Citibank. According to my records, {$7800.00} is left and and not been returned to me. Attached is my XXXX statement. I did not receive any statements since this time. I have called Citibank numerous times with no resolution sine XX/XX/2022. Citibank does not make this department available to customers by phone or for any written correspondence. I placed my money in my Citibank savings account to keep it safe and instead it feels that Citibank has stolen it. They have refused to talk with me or provide any accountability with the money in my account. 

Please help me resolve this issue.
Consumer complaint received 2023-07-28
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. (MI)

There are UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am attaching the detailed letter regarding the XXXX XXXXXXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I put in my original complaint XX/XX/23 and after 30 days i put in my second complaint because it had been over 30 days it had been 32 days to be exact on XX/XX/23 and two days later XX/XX/23 the company relied to my original complaint. On XX/XX/23 that made 34 days. Once i replied and point out that 30 days was up and everything must be deleted they said they need more time and they will respond back within 60 days. THAT IS AGAINST THE LAW! 
15 U.S. Code 1681i - Procedure in case of disputed accuracy Cleary states conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They respond at 34 days putting them past the 30 day window and they did not record the current status of the disputed information. Both are against the law and violations! 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Only additional times is added to a dispute if a person adds new in formation to the original dispute and in that case the company gets a extra 15 days which makes 45 days not 60 days! In this case i did not add new information! I put in a second claim once the 30 days was up letting them know 30 days was up and what had to happen next according to the law! ACCORING TO THE LAW YOU ONLY GET 30 DAYS! 

Complaint # XXXX # XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon D. Curtis, Attorney at Law (TN)

I live in an HOA ( XXXX  XXXX ) and I have monthly payments of XXXX. I had a payment for XX/XX/XXXX which usually should have a late fee if not payed on time. I waited and paid both for XXXX and XXXX with late fees on XX/XX/XXXX. 

I received a mail from a debt collector on XX/XX/XXXX stating I owe XXXX $ in fees for lawyer and title search for not making payment XX/XX/XXXX XXXX. 

According to the lawyer, my XXXX supposedly sent me a late notice on XX/XX/XXXX and they sent it to collection on XX/XX/XXXX. I have never received a mail for late notice. I also want the day to be noted XX/XX/XXXX is a Friday and they had sent it to collection on Monday. What is the point of sending a late notice on Friday if debt is sent to collection on Monday. When was the person supposed to be addressing the issue. 

Now, when I have received the mail in XXXX I had already paid all my XXXX  fees at least two weeks prior to debt collector contacting me. The debt collector and my XXXX are fully aware on the XX/XX/XXXX that I have paid my full amount but they have locked my account so i don't make payment for XXXX and send me debt collection fees for debt I do not owe anymore. This is a very unfair and deceptive way to take advantage of civilians. 

The creditor/XXXX is also a very difficult association that is impossible to contact when I need help with making payment. There is no phone number to contact them and they do not respond to emails, which makes me very much certain that they did not send me any notification. They have my full address, email and phone number. That is at least three different ways they could have contacted me before they send fees that are not even two months late to a debt collector. 

Regardless. This debt was fully paid on XX/XX/XXXX and debt collector contacted me in XXXX. So yes, I had already paid in full the amount I owe. This complaint should be distributed to the debt collector and the creditor/XXXX XXXX XXXX in order to be addressed appropriately.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice. 
According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (PA)

After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.
Consumer complaint received 2023-07-28
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TN)

I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.
Consumer complaint received 2023-03-31
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.