davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Someone fraudulently used my Capital One card. After I became aware of the fraudulent charges I contacted Capital One. Capital One reversed the fraudulent charges, fees and interest in XX/XX/XXXX. Capital One corrected the account status except for the months of XXXX, XXXX and XXXX of XXXX. Capital one continues to report the account was XXXX, XXXX and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After Capital One corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to Capital One for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent three ( XXXX ) letters to Capital One attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. Capital One in every identical letter has refused to correct the reporting error. I called Capital One three ( 3 ) times about the matter and spent at least 4 hours on the phone in total. Two ( 2 ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX I.D . XXXX a Senior Accounts Supervisor who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of 30, 60 and 90 days late would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like I a piece of XXXX. I am going XXXX  XXXX crazy attempting to deal with Capital One. I was told by Capital One not to pay and was issued a new account and card yet Capital One wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call Capital One. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the Credit Bureau Resolutions dept., on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or two to correct the error. After 5 minutes the line went dead. Please help
Consumer complaint received 2023-02-03
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. (OH)

I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and TransUnion credit report. 

XXXX XXXX. {$530.00} Account # XXXX  XXXX XXXX XXXX  XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXXXXXX. 
Opened XXXX XXXX XXXX open Last reported XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I contacted experian to dispute a fraudulent charge on my credit report, from XXXX XXXX. Experian only took a couple of days, got back to me already saying that the error stays. I don't even think they did anything. I can't get a hold of anyone to help me, and there is no option for me to re dispute the situation. I can't get anyone to help me. XXXX XXXX, along with many other owners/ landlords will try and get away with charging fraudulent charges against tenants when they move out. They have to have stiffer penalties when they do this. XXXX XXXX have no proof what so ever regarding these charges. The manager wrote on the back of a piece of paper " what was wrong '' when I did my final walk through moving out. My XXXX year old daughter was with me. When I asked for a copy of what she wrote, she said she couldn't give me one, because their office was " under construction '' and copy machine not working. I didn't agree or sign anything, proving that these charges were even mine.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST MIDWEST BANCORP, INC. (IL)

On numerous occasions up to and including XX/XX/XXXX I have requested that the transactions in my account not be paid and be returned in an effort to XXXX out and close my account. Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed and that XXXX XXXX, ACTING AS AGENT AND AUTHORIZED REPRESENTATIVE, KNEW I WAS NO LONGER AFFILIATED WITH. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. Subsequent to the closing of my account, an employee and representative of First Midwest XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by First Midwest be  looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX. Additionally this has caused a negative impact to my credit reporting which I want corrected immediately.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX XXXX  sent out an active debit card to an unknown address after social security XXXX benefits had been deposited. The debit card was then fraudulently used until the account was closed due to having a negative balance. I never received any correspondence from the bank nor have they resolved this matter.
Consumer complaint received 2023-02-03
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. (OH)

I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and XXXX credit report. 

XXXX XXXX. {$530.00} Account # XXXX XXXX XXXX XXXX XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXX 
Opened XXXX XXXX Status open Last reported XXXX XXXX
Consumer complaint received 2023-11-30
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. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I did not file bankruptcy in Texas because I live in Virginia, I disputed XXXX, Equifax, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

I am a senior citizen who never received services from XXXX XXXX XXXX XXXX. I called and inquired about services but never contracted to receive any services. XXXX XXXX XXXX sent a technician to my home without my consent and I turned him away telling him that I did not sign up for services. No service was installed at my residence. I began receiving bills. I called XXXX XXXX XXXX to notify them of the error. I was ignored and then I began receiving harassing bills from debt XXXX. I notified the first debt collector of the discrepancy and they quickly sold the debt to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX sent a statement stating that {$130.00} is due. On XX/XX/XXXX, I asked this company to send me the contract that I signed with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responded with a bill from XXXX XXXX XXXX. This is not a signed contract. I have not entered into any contract with XXXX XXXX XXXX. I never had their services. XXXX XXXX XXXX, XXXX has failed to show that I have had any services from XXXX XXXX XXXX. I am tired and I need the corporate harassment to stop. I am not consenting to any more written or verbal contact from this company or any newly assigned companies. If any of these companies have placed any negative entries on my credit report I am demanding them to be removed promptly without delay.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I paid my mortgage on XX/XX/2019. I made a principal only ( I was specific ) payment on XX/XX/2019 which was credited to my account on XX/XX/2019 {$530.00} as. Mortgage pymt instead of a principal only as requested. PHH Mortgage applies the XX/XX/19 as : Principal Only Payment : XX/XX/2019 {$40.00} & my XXXX pymt correctly : Mortgage Payment Applied : XX/XX/2019; {$810.00}. According to XXXX XXXX # XXXX, the money was placed into a suspense account which differs from the payment history
Consumer complaint received 2018-03-05
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: Prosper Marketplace, Inc. (CA)

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Consumer complaint received 2023-02-03
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)

IN accordance to the Fair Credit Reporting act, XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX Inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 Equifax inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX inquieres : XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX, XXXX and Equifax permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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

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.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2023-01-17
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: Complete Credit Solutions, Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-16
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. (GA)

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

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
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. (IL)

Dear TransUnion Bureau, I am XXXX XXXX, a victim of identity theft. Scammers applied to Financial Organizations in order to get loans. 

The hard inquiries listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone has made transactions without my knowledge or authorization, my personal information has been used to obtain goods, services, or money. 

I enclosed in this letter an FTC report, SSN, the copy of my Drivers License, and proof of address. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my official request to to have the aforementioned fraudulent inquiries to be deleted off my credit report. Thank you in advance for your consideration.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing 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. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-11-30
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I dispute this balance due as I submitted my letter of fraudulent charges to the Executive Response Unit dated XX/XX/XXXX. I received a letter from Home Depot Credit Services dated XX/XX/XXXX stating We are writing to inform you that we completed the investigation on your The Home Depot Commercial Revolving Charge Card account. As a result, we removed the disputed charges and any related fees and finance charges from your account. I also received a check for prior payments made in the amount of {$13000.00}. 

I received a letter dated XX/XX/XXXX from Home Depot Credit Services stating We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. ( see attached ) I have attached the following evidence in support of my dispute : Fair Credit Billing Act Public Law 93-495 October 28, 1974 Chapter 4 Credit Section 161 Correction of billing errors states the creditor must acknowledge the complaint letter within 30 days after receiving it ( I did not receive an acknowledgement letter from Home Depot or Citi ).

Section 161. Correction of billing errors states - If the creditor fails to follow the settlement procedures stated in the Fair Credit Billing Act, they are legally not permitted to collect the amount in dispute, or any charges attached. For example, if a creditor acknowledges a complaint in 50 days20 days too late. I have not received any correspondence from Home Depot that a second investigation was initiated.

Per Section 161 you are penalized by not conforming to the Fair Credit Billing Act Section 161 and can not reverse the original credit Home Depot applied to my account.

Please provide me with a written statement reversing the debits along with an updated statement.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I filed a complaint about a collection on my account I don't recognize. I asked for copies of the charges related to this collection. I understand I had a card with XXXX XXXX, but I do not recognize this/these charges.