davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/XXXX I purchase a XXXX XXXX XXXX form XXXX XXXX XXXX at XXXX  for {$31000.00}. On the same day Wells Fargo Dealer Services was named assignee. On or about XX/XX/XXXX i asked Wells Fargo Dealer Services to remove there name off of my title and off my Credit. Wells Fargo Dealer Services refused to remove their name and form XX/XX/XXXX threaten me to make payments. And when i did not make payments they repossessed my vehicle. Well Fargo Dealer Services did not ever give me a loan or finance any thing for me. I asked Wells Fargo Dealer Services repeatedly to stop harassing me to make a payments that they did not earn or for Services i did not ask for.

Well Fargo Dealer Services have collected over XXXX form me by intimidating and threaten to deprived of property. 

On XX/XX/XXXX Wells Fargo issued a reimbursement check of {$4500.00} to me and proposal that Wells Fargo an additional {$300000.00}.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I signed up with Capital One for a secured credit card in XX/XX/XXXX under the terms that after 12 months of on time payments, the card would be upgraded to unsecured and I would receive my security deposit back. 
I have been calling since XX/XX/XXXX and they keep telling me there's nothing they can do. They told me to apply for a new card ( which would damage my credit that I have worked so hard to build ) they also said tonight that at the time I signed up there was that offer but right now that offer doesn't exist.. so nothing I can do except close it to get my deposit back. They completely mislead me. Had i known this I NEVER would have signed up. I just want to be upgraded as I was promised and my deposit {$500.00} returned. My balance right now is XXXX which will be paid Tuesday. It is wrong for a lender to do this to people. Please help.. my credit is very important to me as I work very hard to maintain my status. Thank you, kindly. This issue with Capital One should not even be an issue. It's not right!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS (AL)

Notice to Intent to Lexis Nexis, While viewing my consumer report and according to your previous respond, you obtained my NPI NON-Public Personal Information From XXXX a court database, you shared, disclosed, and SOLD my Non-Public Personal Information Attached to the Bankruptcy on my Consumer Report to the Consumer reporting agencies. As a reseller according to your previous respond, Congress, and FTC, my NPI ( Non-public personal information ) Personal identifiers which is Name, SSN, DOB should only be shared with my permission. Therefore, I have a right to privacy. Again, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process AND TRANSACTION, I was an uninformed consumer and FCRA laws were violated. That fact my privacy has been violated and this account being furnished, it is affecting my livelihood and reputation.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (DC)

OMG I beg of someone who is kind enough to call me and I can discuss this with you completely. I also have proves for every claim I will make. I have never dealt with identity theft and first time I reported it was 2017 I was persecuted in my country for being XXXX and working with XXXX XXXX XXXX on human right education. My family disowned me when I was XXXX. I work so hard and I am finishing XXXX University XXXX XXXX with duo degree. 
I am lost with this situation and I also supposed to get approval for apartment and I am still waiting on their decision to make they are scared when they saw my credit and I never had that lower. I come from different culture and specially when I attached the provided information for identity theft I guess they scared. 
I have morals. 
Please please please someone call me XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax refuses to investigate unauthorized questioniable inquiries. I have been disputing the inquiries for over 60 days. Equifax simply does not investigate the inquiries. Equifax online dispute simply sends me a standard letter stating the inquiries are a factual record of your credit report, please contact the creditors. I have 24 dispute file numbers and multiple replies from Equifax stating to contact the creditors. I have done that. Not one creditor has replied back. Equifax is simply ignoring the disputes, and failing to send an investigation. 

Inquiries disputed on XX/XX/3019 again File No : XXXX
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. 

I immediately disputed these activities and provided the necessary documentation which prove that I was not in the US when these accounts were opened. I also filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. 

Despite all these efforts, the CAPITAL ONE AUTO FINANCE rejected my fraud claim about the car loan which was opened in XX/XX/XXXX. This affects my life very badly because of the damage done to my credit history.
Consumer complaint received 2022-01-22
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: DISCOVER BANK (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} FIRST XXXX XXXX  XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX I had a SunTrust bank account opened up I went inside the branch and I spoke with one of their bankers appethai my sister did not have a bank account and she had to receive some government checks contacts so my question to the bank or was how would I be able to cash my sister 's checks without her being here at the time she was very sick and she was bedridden he assured me that in gave me some forms and showed me if I filled out the forms and a power of attorney that I would be able to deposit my sister 's checks into the account totaling {$10000.00} it was two checks well the checks were sent back when I deposited them the check was sent back to the IRS and my account was closed for fraud and now I'm opened up a business account XXXX for my business and they are closing my account and I'm not able to open the account anywhere due to this fraud on my account
Consumer complaint received 2019-12-29
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: OLD NATIONAL BANCORP (IN)

XXXX XXXX XXXX my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.
Consumer complaint received 2019-12-29
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: KEYCORP (IN)

While XXXX XXXX  my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I received notification today that a collection was added to my credit report in the amount of {$520.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a certified dispute letter to XXXX Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, Transunion on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Consumer complaint received 2023-11-27
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associate, reported 4 fraudulent accounts to all major credit bureaus without a 30 day notice by mail, also reported a fake address that don't exist. The original account holder ( XXXX XXXX ) have sent me letters stating that those accounts don't belong me. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-23
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. (FL)

I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with Equifax I have the following fraudulent accounts - XXXX XXXX - XXXX  - XXXX XXXX On my XXXX   credit report - XXXX XXXX - XXXX  - XXXX  XXXX  I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NY)

I'm XX/XX/19 I received an alert from on XXXX from Midwest recovery System bringing my score down 30 points. This company I never heard of not never received a notice saying that I owe them. I check and monitor my credit report on a daily basis. This report was sent on XXXX. This is not my debt I do not know who these people are. I will contact an attorney regarding this and how they handled this illegally.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

On or about XX/XX/2019, I notified Comenity Bank ( issuer of my XXXX and Victoria 's Secret cards ) that there were two fraudulent charges on my account and that the card was not in my possession. I provided specific details related to the missing card as well as information documenting the the charges on the account could not have been made by me, as I had been on a business trip during the period the charges were made. Not only that, but it was obvious by the charges ( both the total and the location ) that the spending does not follow my regular spending habits with this card issuer. I received a letter at the beginning of XXXX indicating that after the investigation was completed, I was found not to be responsible for the charges. Then, this week, I received notification that the decision had been overturned and that I was not responsible for the charges. I need this situation to be once and for all rectified - I feel I have not had any protection. I also feel this claim has been largely mishandled right from the start.
Consumer complaint received 2023-01-23
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. (NJ)

I sent out Letter to Remove Inaccurate Credit Information from XXXX, Experian and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, Experian and XXXX
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC appears on my report as a third party debt from a payday loan I was trying to pay off. The original amount was {$640.00} but appears on my report as {$790.00}. I requested that the company send me the updated amount owed and furnished the original collector with my new address, but no change has been made to my report and no bill has been sent to me. This has impeded my opportunity to address this assumed debt and has remained on my credit reports for over a year.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

Called and written 17 Communications from XXXX to XXXX Walmart found out it was fraud they closed the account, two months later they open the account with a bigger credit limit. I found out they closed the account. but left this debt on my report. The Walmart does not care about me. I shared with them I been traveling to 3rd world countries XXXX  work. the rep was understanding I was transferred to security they closed the account not once but 2 times. on two different years. 

I been living out of the country for over 6 years, and to my surprise as I have return home I see this walmart debt again .Its been removed 2 times from XXXX that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the following accounts from my personal credit file : LVNV FUNDING LLC - XXXX Balance {$91.00} ; LVNV FUNDING LLC - XXXX Balance {$590.00}
Consumer complaint received 2020-03-02
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. (FL)

I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.