davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

XXXXXXXX XXXX XXXX offers a line of credit to purchase a XXXXXXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Consumer complaint received 2021-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XX/XX/2016
Consumer complaint received 2021-07-03
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. (MT)

XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Reported an account listed on my credit to Equifax. There is no name for the company. Also, the account number is XXXX. This account does not belong to me. I have contacted Equifax TWICE regarding this account. My requests have been ignored
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (MT)

XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was in XXXX colorado at XXXX XXXX XXXX, colorado in 2020 and recently i receive a notice i owed {$80000.00} to a landlord called XXXX XXXX XXXX XXXX i never lived or stayed there.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received emails this morning on XX/XX/XXXX from XXXX bank stating my contact information has been updated and a savings account was successfully opened. I called capital one and explained to them that I did not do those things. Capital one closed and blocked the accounts and notified me that a credit card was attempting to be opened but they blocked that also.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (KY)

This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, or a date close to that, we checked our online account with Capital One. We each have a credit card with Capital One bank but they are part of a joint account. We noticed a charge emanating from XXXX claiming to be from " XXXX XXXX ''. Since neither of us made this charge, we checked with XXXX and they had no record of this transaction. We then called Capital One to advise them of the fraudulent charge and to initiate a dispute. Their agent took down all the data which included the amount ( {$12.00} ), description ( XXXX XXXX XXXX ), and the date XX/XX/XXXX. XXXX. However, this incompetent agent did not dispute this charge. Instead, he disputed a different XXXX charge in the amount of {$3.00} which posted on XX/XX/XXXX with the description of USPostalUser. This charge was an authorized charge and was NOT DISPUTED. The agent disputed the WRONG charge. He failed to use even one piece of information given to him to identify the charge which was fraudulent. We subsequently contacted Capital One on two other occasions to try to rectify the situation. We have also sent a USPS letter to the CEO of Capital One ; we have to date not had a response. In the meantime XXXX put a hold on our account because they have not been paid. Today we spent over 70 minutes with various Capital One agents from the XXXX struggling to understand what they said. Their explanation is that we have to contact XXXX ourselves to rectify THEIR ERROR. They listened to the recording of the initial call and they agree that the error was made by their agent. However, this in no way means that they agree to solve the problem which they created. An institution which can not rectify financial errors which they make, no matter how small, should not be allowed to continue operations without penalties. Two of their representatives say this amount ( {$3.00} ) is " below threshhold '' or some such nonsense. They say they have no way to restore the payment to XXXX. In short, THEY REFUSE TO CORRECT THEIR ERROR and the other complications this has created for us.
Consumer complaint received 2021-03-16
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. (PA)

I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (TX)

I was looking at my credit report and noticed the following unauthorized inquiries.

Transunion : Onemain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries.

Can you remove them from my credit report immediately.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE (GA)

I initiated a {$2600.00} money transfer to XXXX on XXXX XX/XX/2021 around XXXX in westerunion.com. When I initiated the exchange rate displayed was XXXX for transferring to a bank in XXXX from a bank account in US. But after submitting the transfer the exchange rate displayed on the transfer was only XXXX. I immediately came to money transfer page again and checked what is the exchange rate and it displayed XXXX. 
I thought there was some error in the website that cached a old rate and went to another browser to check the exchange rate on westerunion website but the exchange rate for transfers above {$1000.00} was still coming up as XXXX. When I tried {$800.00} it displayed exchange rate as XXXX. 
So what I guess has happened is western union has imposed a incorrect exchange rate on my transfer which should have been imposed on transfers below {$800.00}. 
I was on the call with the customer service agents for almost 2.5hours and they did not agree the glitch in their system, so I decided to submit a complaint to the consumer finance.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

Discover Bank Card Established An Account in my name without my permission In XX/XX/2019. I was not Aware of this Account until XXXX. I contacted discover And made them aware that someone had stolen my information from the address that I was living at And had not resided At since XXXX of XXXX. I have tried to make myself clear that I am not responsible for Any of the debt or Anything else that discover is taking action to persuade and Demand! As I have stated I Am A victim of identity theft fraud And my information was stolen! Discover financial needs to stop harassing me! Stop sending notice to the credit reporting agencies And stop sending corespondent letters to my current address about this account because its not mine. The company calls my personal phone number 50 times A day And I have insisted that the calls stop and they have not! I am definitely demanding all communication be stopped or legally.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (MN)

I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Consumer complaint received 2021-07-02
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: ProCollect, Inc. (TX)

Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC I feel Pro Collect Inc. is playing games due to a police report I sent in mail for the apartment named XXXX XXXX XXXX instead they get it mixed up with another apartment called XXXX XXXXXXXX XXXX which I didnt have a police report for that apartment those not have anything to do with the XXXX XXXX XXXXXXXX XXXX is not my account either! Its identify theft!
Consumer complaint received 2021-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

My husband and I get several phone calls daily from Navient ( XXXX ), with whom neither of us has ever had any student loans or debt. Nor have our children or grandchildren, who we've read can also engender calls from Navient, getting parents or grandparents to pay overdue loan debt. There seems to be no recourse for us to stop this, as the phone calls are not manned by a sentient person whom one can talk to. 
HELP!! ( Navient is on our Call Block list, but the phone still rings ( once ) 4 times a day ... in addition to the many other robocalls that come in daily. ) XXXX and XXXX XXXX
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Paypal placed a permanent account limitation, when my account had a balance of {$310.00} My account was deemed a " potential risk ''. Funds are stuck now On XX/XX/2020, Paypal placed a permanent limitation on my account. My account was found to have " Potential Risk ''. Upon calling Paypal customer support, I was told that I violated the Paypal " Terms and Conditions '' of the company. However, any details further than that could not be provided. The balance in the account is {$310.00}, which will be held for 180 days. However I had no problems at all with the account, until the permanent limitation came from nowhere. Now the funds of {$310.00} are being held for 180 days, for reasons that I still do not understand. Account was deemed a " Potential Risk ''. but I had no problems at all with the account. Now Paypal gets to keep my funds for 180 days. This is absolute fraud. Paypal is merely hiding behind the " Terms and Conditions '' of their accounts, upon opening one. Obviously the legal portion of Paypal, devised a broad way to limit people 's accounts. As well as holding their funds indefinitely for 180 days. This should be front page headlines, absolute theft.
Consumer complaint received 2021-07-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

I had a lease with Ally for my XXXX XXXX XXXX, XXXX XXXX, Account Number : XXXX, Contract Date : XX/XX/XXXX. The lease and car was paid off by my credit Union, XXXX XXXX XXXX, but I never did receive the title for my vehicle from Ally in the mail because I relocated from my previous address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, to my current address. I moved from XXXX in XX/XX/XXXX to XXXX So thats why I didnt receive my car title for my vehicle. I need my title to get a car title from the state of XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX.