davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (IN)

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 XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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 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 XXXX 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 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Consumer complaint received 2021-12-21
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 (NY)

On XX/XX/XXXX, I reported to Capitol one about some fraudulentcharges to my credit card. Most purchases were in the teens so I did not spot any false charges ... Total {$640.00}. Case # XXXX. They told me that they would investigate. Two weeks later they told me that they only issue one credit card and I was accusedof making those fraudulent purchases. I told them that I did not make those purchases and that I have never stepped inside that store. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX. Capitol one Manager ( XXXX ) was rude and just kept accusingme of being dishonest. I contacted the police on XX/XX/XXXX to police officer XXXX shield # XXXX, but all they did was bounceme from one precinct to another. Police complaint report # XXXX. With my other credit cards any time I made a purchase, The place of business would require my ID or my PIN number, So I do not understand how these fraudulentcharges happened.I feel that Capitol one are at fault and are negligent and wonder if this has happened to other cardholders.Thank youXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
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: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2021 A company name Citizens One XXXX, said I brought an XXXX  and I owe {$900.00}. 
I called to let them know that I never purchased an XXXX  and that it was an identity fraud. 
On my credit report I can see they open an account under the name Citzen Bank. 
They sent me two letters in the mail with different names. 
One is called Citizens Bank and the other one is Citizens. 
They are asking me to send them a copy of my utility bills, my driver license, my social security number and my personal information in order from them to close my account that I never opened up.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of America Ltd. (CA)

Collection Bureaus of America was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.
Consumer complaint received 2024-04-18
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. (NY)

Experian stated that the information was validated, how did they validate it when all CREDIT bureaus both lesser and major bureaus currently have security freezes on them? Also, how are they validating this debt especially when this debt was also charged off which means a XXXX was filed with the IRS and XXXX XXXX XXXX was paid via tax credit?
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One has failed to release my funds in the amount of {$580.00} on a secured credit card that they closed. After six months of on time XXXX % utilization my account was closed for " fraud ''. I had a dispute in the amount of {$580.00} XX/XX/2021, for something that was charged to my Capital One credit card, but not paid to the merchant. There was a " provisional credit '' issued on XX/XX/2021. Capital One policy is that the funds are not released until the dispute is over, which was XX/XX/2021. I made a payment XX/XX/2021, in the amount of {$780.00} which included the {$580.00} but cancelled the payment after I was informed by representative XXXX that the {$580.00} would not be accessible. The {$580.00} was then rebilled and is included in the {$920.00} balance that is being incorrectly reported to credit bureaus. The dispute lasted until XX/XX/2021, and the funds were to be released when they opened XXXX a.m. EST. The funds were never released. Capital One is saying the money was spent but has failed to tell me when. There were no purchases after the " provisional credit '' was issued XX/XX/2021, and the account was closed XX/XX/2021. Then Capital One is saying there is a refund check issued in the amount of {$26.00}. So, Capital One is saying that the " provisional credit was issued XX/XX/2021, and I spent the money in XXXX days before closing the account XX/XX/2021? Please show me the charges. What is the monetary relief amount that you'll are keeping, for what? 
They are reporting inaccurately on my credit report and has caused me to not be able to purchase my first home. This has been a horrible inconvenience along with me being a small business and single parent. I needed my funds during a pandemic. Capital One has reported inaccurately on my credit report such as a high credit balance. Capital One has negatively affected my ability as a single minority to purchase my first home. They have failed to comply with the FTC dispute process. I will also be contacted and filed a complaint with the West Virginia Attorney General XXXX XXXX who has sued the credit card company Capital One and four other similar companies for unconscionable conduct in connection with their credit card lending and collection practices.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I needed to speak with someone to confirm the phone number on my fraud alert due to a creditor stating that the number was missing or invalid when they performed an inquiry. I was able to call XXXX and XXXX to confirm the number. The Experian automated phone system makes it next to impossible to speak to someone. No matter what entries I provided, it could not get to a live person. After trying for about XXXX minutes, I was finally successful only when I entered that I was having a billing problem with my membership. Their website is 95 % marketing for their paid services. They should be available to the consumers whose data they are tracking and accumulating. It should not be that difficulty to speak to someone.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IA)

Opened a new checking account with Wells Fargo Clear Access Banking & A regular Checking account because of the previous fraud that took place on my Wells Account & now you guys refuse to let me open a checking account, i really love this bank. I funded my clear access bank account & received two emails stating my accounts will be closed. 

Wells, please help me out here. love this bank
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of XXXX and they state they can not correct the online information which keeps my credit score low.
Consumer complaint received 2020-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IL)

I called synchrony bank thay told me i didnt live up to the contract and didnt pay it off in enough time, then the bank tacked on XXXX worth of intrest. I have been doing bussness withe ashley homestore in XXXX IN for years and bought 3 things frome them I have paid double and more on my bill but that wasnt good enough for the bank. 
I called XXXX where the call center is and the supervisor told me there was nothing i could do about it, i ask if i could to speek to someone that spoke english that is when i got the supervisor. That isnt right I have paid each month on or before and twice or more and still they stuck it to me.
Consumer complaint received 2021-12-21
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. (PA)

still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

The bank denied my modification due to one missing paper had all documents summit to wellfargo for modification then they started process on foreclosure try at court could win a modification they sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

EXPERIAN has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of Experian and they state they can not correct the online information which keeps my XXXX XXXX low.
Consumer complaint received 2021-12-21
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. (CA)

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did Transunion, XXXX, and XXXX interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on? 

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) PREFERRED CREDITOR The accuracy and integrity of these reported accounts are misleading and inaccurate.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX WFXXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX RE : Account # : XXXX To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. 
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. 
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Identification of the specific information being disputed : WF/XXXXXXXX XXXXXXXX Charged Off Account Basis for dispute : 1. Payment Due of {$890.00} on XXXX While {$0.00} on XXXX 2. Date Last payment XXXX and XXXX are incorrect. 
Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660. 4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also notify the credit reporting agencies of deletion of this information promptly from my credit file. 
XXXX XXXX XXXXXXXX XXXX, 2002 provides a cause of action for individuals against furnishers of information. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Ive reached out to exquifax, XXXX and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

There are numerous inquiries on my consumer report as a result of identity theft. According to the fair credit reporting act these inquiries must be blocked and removed immediately! These inquiries are as follow : XXXX XXXX XXXX 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 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conduent Incorporated (VA)

XXXX XXXX sent me a card that I didn't request. I called them and they told me that a credit card had been opened in my name, but in Nevada ( I live in VA ). They said they used my SS #, birthdate, and address to get the card. They cancelled the card upon my request and prevented the card to be reported on my credit history. But then I received a debit card from Way2go in my name, which I didn't request. I have not been able to contact anyone about this b/c the number on the card doesn't offer an option to report fraudulent claim.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a complaint in regards to being a victim of identity theft. Capital One has disregarded my request on 5 occasions. On my last complaint, I advised that I was a victim of identity theft and that checking account and credit card were opened under my name. Capital One has replied stating the information showing in " public record '' matches what shows on the Capital One account. The address XXXX XXXX XXXX XXXX XXXX, CA which is a business that closed down. I attached proof. The two number that was given number shows under my name and reads under an XXXX XXXX. Capital One did no research to prove that no identity theft happened. I am not responsible for this account and it needs tto be removed off my record with Capital One immediately. Capital One has referred to Collection agency ( they already investigated and as Capital One it was identity theft. I have already submitted a copy of the police report and FTC report.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company, Portfolio Recovery Services, calls my business line, which is a videophone, several times a week. This has been ongoing for a while. They never leave a message and the videophone, which goes through a relay interpreter, never rings. I can not block the number because they change it to a different number each time they call ( same caller ID ). A XXXX search shows they are a debt collection agency. I do not have any debts that are in arrears, especially nothing tied to my employer 's phone number. The repeated calls without any ability to answer, find out why they are calling this number, who they need to speak to, or tell them to stop eat into my daily productivity, as well as clog up the Video Relay Service interpreters who have to answer these calls, prepared to interpret them. It's abusive and excessive, and I'm completely in the dark with what their issue is that they need to call my work number so excessively.