davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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. (FL)

I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX College. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The XXXX XXXX XXXX XXXX has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to XXXX the full tract of debt ownership including but not limited to the rights to XXXX XXXX XXXX to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (WI)

Received a special offer to open an account, followed QR code opened account, complied with the terms. 

Bank is stating that wrong account was opened, refused to provide rewards. 

Opened Complaint # XXXX with the bank, emailed all supporting documentation : did not receive response within XXXX business days and up to date.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I am an XXXX XXXX service member and I should be receiving 6 % interest rate from American Express under the Servicemembers Civil Relief Act ( SCRA ). I send them my XXXX XXXX military order in XXXX of this year and they still refusing to reduce my interest rate to 6 % although the law says all debt prior to XXXX XXXX. Please look into this matter.
Consumer complaint received 2023-01-22
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: CITIBANK, N.A. (PA)

Related to Compliant ID - XXXX - Citicard open a closed and opened a dispute with the vendor without authorization. I don't think they can be trusted to handle my money if they can't do simple thing correctly. 

Clearly citi card is still very very confused. 
They closed XXXX for XXXX with the vendor *This dispute should of never been closed vendor has not completed the work until XX/XX/2023 *Not a single phone call was ever made to notify me of closure They opened XXXX for {$8900.00} with the same vendor *This dispute should of never been opened, I never authorized this, the disputed charge was for the {$8000.00} *How do they authorize a dispute on my behalf, i believe that is Illage
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

So my account was being in the negative every time my checks would be deposited into the account, Wells Fargo would take money from my checks were I would have to pay bills but I couldnt pay them because they kept taking money from me. Ive had my debit card on file with apps I would cancel the subscription from but it was still charging mg account so I did get that situated but Wells Fargo kept charging me a {$35.00} over draft fee with is unnecessary because they shouldnt still be charging me a overdraft fee after I than took care of the problem with the other company that was charging my card. So I called Wells Fargo and they said they couldnt give me all of my {$35.00} over draft fees they had been charging my account all the way back in XXXX. They only gave me like XXXX payments of the {$35.00} over draft fee with was last year in XXXX!
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAPITAL ONE BANK USA N XXXX Balance : {$5400.00} ; CAPITAL ONE BANK USA N XXXX Balance : {$3100.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (VA)

XXXX enables identity theft and fraud by failing to take steps to verifies subscribers identity when installing services. XXXX prefers to report debt to credit bureaus, even after evidence is provided of the fraud and the process that XXXX lays out is followed. 

In XXXX of XXXX, I became aware of several fraudulent accounts on my credit reports after doing a credit check. I reported the fraud to the FTC, contacted each company that reported a debt and attempted to gather information on how each account was opened. One of the companies was XXXX. A debt of {$1000.00} was reported by XXXX XXXXXXXX XXXX XXXXXXXX, which is a collection agency for XXXX. After explaining the circumstance and following XXXX 's process of reporting, XXXX still refused to remove the derogatory form my credit file. I filed a dispute with the credit bureaus in XXXX of XXXX and after an investigation all the fraudulent accounts were removed including XXXX. 

In XXXX of XXXX, XXXX reported through XXXX XXXX XXXX the same debt and I again disputed with the credit bureaus and the derogatory information was deleted. In XXXX of XXXX XXXX again reported the same debt through Radius Global Solutions and I am disputing this again. 

XXXX should be held accountable for failing to prevent fraudulent accounts and continuing to harass consumers with fraudulent debt reporting. There should be a regulation that requires XXXX to validate the identity of its customers at the time of installation of services, this will prevent future instances of fraud.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX XXXX XXXXXXXX # 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 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 2023-01-22
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AR)

We purchased a XXXX recliner for XXXX for a XXXX recline on XX/XX/XXXX and also purchased the gold plan XXXX  to cover replacement for damaged or faulty craftsmanship. I used the XXXX  plan to replace the top half of the chair and the company charged me in full again for a new chair and after disputing the charge they still will not remove it. They claim I still owe over {$1000.00} for the chair I have been paying on every month for 17 months and will soon lose the no interest for 18 months promotion. They also will not show the last 12 moths worth of payments I have made towards the chair on their website. They stopped updating payments made in XXXX of XXXX. I feel I have been scammed and no one in the store can or will help and I am at the point of seeking legal counsel if something isnt done to resolve this matter. I refuse to pay any interest on this item that is not even made correctly and I am already having manufacturing problems with the new chair they brought me.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX XXXX XXXX  - XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX,, has XXXX 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 2023-01-22
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: SANTANDER HOLDINGS USA, INC. (GA)

To whom it may concern over the past year i have reached out to Santander Consumer USA account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows Santander Consumer USA to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Consumer complaint received 2023-01-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

Adverse action by Triad Financial Services Inc when applying for chattel loan. XXXX took my application and used my social security number and I received no benefit. They contacted XXXX who reported inaccurate negative information after I initiated a dispute many months ago.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (VA)

I am writing to dispute an unauthorized draft attempt in the amount of {$130.00} from my XXXX XXXX checking account ending in XXXX, on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
The charges are in error because I did not give permission for auto draft payments to draft from my account ending in XXXX, rather I gave permission for the bi-weekly drafts to be drafted from my XXXX XXXX checking account ending in XXXX ONLY. 
Due to One Main Financial agents negligence, I have suffered embarrassment and financial hardship, because I was charged overdraft fees from my rental office for rent payments I scheduled with them. I also received overdraft fees from XXXX XXXX XXXX XXXX. 
The overdraft and return check fees charged in total = {$110.00} I am requesting that the error be corrected, that the {$110.00} in return check fees and overdraft fees be paid directly to me by check from OneMain Financial immediately.
Consumer complaint received 2023-01-22
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: JPMORGAN CHASE & CO. (VA)

I ordered XXXX jerseys from an online store that are clearly counterfeit. I have provided the proofs of such counterfeiting to Chase ( see attached documents ), but they are requiring me to get a letter from XXXX stating that the jerseys are not authentic. I have attempted to get information on the authenticity of the jerseys from XXXX, but they indicated over chat that the only way to guarantee the authenticity of the jerseys is by buying from their authorized resellers. I don't see the reasons why XXXX would want to write a letter stating the jersey is authentic or not. Moreover, I have attempted to return the jerseys to the online merchant, but they have ignored my communications. Chase is making it extremely difficult to protect my rights as a consumer, asking me to provide proofs that are very difficult to obtain in a case in which I have provided plenty of evidence the jerseys are counterfeit.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (CA)

XXXX-XXXX  It starts with that complaint, XXXX abruptly closed my credit card account without warning or cause. Their operator refused to discuss the matter after I had identified myself using their methods but instead did information phishing for XXXX accounts. I had an overpayment and they were refusing to refund and after I filed complaint over it they began daily harassing calls ( More than the " Two as claimed ) making false allegations of my 'Fraudulently contesting charges ' even though there weren't any contested charges involved. I had to continue complaining to you. 

After you made them issue the refund they began making unauthorized payments without my knowledge from the closed account. They interfered with my closing an XXXX account after XXXX refused to let me change the payment method and they abruptly paid them for 3 months. I can only guess this was some revenge action. XXXX said from the beginning the account was closed and that they would not reopen it. Isn't there a penalty for lying in their responses? 

XXXX had previously said they were dropping the matter and making no credit reporting. Now this Firstsource LLC has contacted me. They sound sketchy. But they need to be instructed on the issue of illegal activities by XXXX. XXXX has lied repeatedly, leaving ongoing phone messages from numerous people with the apparent intent of this one denying doing it personally.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-23
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. (GA)

An account from XXXX XXXX XX/XX/XXXXreported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (AZ)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2019 a CFPB complaint was opened against National Credit Adjusters regarding a clear failure to properly notify the consumer Of a debt. 
This complaint number in reference is : XXXX In the companies response they provided a false and misleading statement when referencing the account ( s ) in dispute. 
They have reported and continue to report this information in a negative file to the 3 major credit bureaus. 
They have failed to properly comply with the disputed filed through the credit bureaus They have stated in response to the complaint filed with CFPB that they are not reporting this information to the credit bureaus which is clearly an erroneous statement.