davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting 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. (PA)

I hope this letter finds you well. I am writing to follow up with my previous complaint that is still open XXXX and bring to your attention a concerning matter regarding my credit report and the recent unauthorized hard inquiry made by XXXX without my explicit consent.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

I am writing to dispute the accuracy information of my credit report as provided by your agency. According to the fair credit reporting act ( 15 USC 1681 ), I have the right to challenge any information that i believe to be inaccurate or incomplete. Upon reviewing my credit report, I noticed that there are entries indicating that you have furnished or obtained information about me.However, I want to clarify that I have never provided written consent for your agency to either furnish or obtain my information.Please provide documentation that demonstrates my written consent for such actions, as required by law.If you can not provide this documentation, I request that you remove any entries on my credit report that were furnished or obtained without my explicit written consent.I expect a prompt investigation into this matter and a timely response within the statutory timeframe. Thank you for your attention to this matter.
Consumer complaint received 2023-06-10
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX FIRST XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX SXXXX XXXX  # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (NJ)

Agent named XXXX called me XXXX XXXX today after XXXX hour wait!!!!! He shut off my card to be dirty. LOCKED ME OUT OF MY ACCOUNT! This is regards to current complaint for XXXX $ charge. THIS IS APPAULING! I WONT BE TREATED BY A XXXX OVER HERE IN TEXAS FROM XXXX!!!! DIRECT EXPRESS CALLED ME PER CONSUMER PROTECTION AGENCY WHO WAS ALSO ABUSIVE ALSO!!!! UNLOCK MY ACCOUNT!!!!!! NOW.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Larry H. Miller Group of Companies (VA)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account number : prestige financial service
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Card Receivables Fund Incorporated (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account number : UNIfund
Consumer complaint received 2023-06-08
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. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-04-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG FINANCIAL CORPORATION (CA)

Received documents regarding a lawsuit filed through XXXX XXXX XXXX for unpaid debt to Check 'n Go Online. Was left on doorstep, not physically handed to me. Verified lawsuit and docket via XXXX XXXXXXXX website. 
XX/XX/2024 received call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that if not paid wages would be garnished. I was bullied into signing a pdf via XXXX ( attached ) to begin repayment with monthly charges of XXXX XX/XX/2024 received text message threatening wage garnishment for declined charge to first payment. Called ( XXXX ) XXXX and spoke with XXXX XXXX again to correct issue and restart payment starting XX/XX/2024 via XXXX XXXX XXXX. Morning of XX/XX/2024 attempt to call same number and the three contact numbers I saw on website at XXXX that morning on Law Firm website : XXXX XXXX None of the numbers were connected to any business, also first number redirects to automated system for claiming cash rewards. At XXXX same morning I check XXXX  contact page and the phone number had changed to a new single number rather than the original three : XXXX The number rings then disconnects. 
Worried, I contacted my bank and cancelled the debit card and have been constantly trying to reach out to XXXX XXXX but email ( XXXX ) and phone number give no response. XXXX is still pending but I fear I may have been scammed and no my financial information has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check 'N Go ( Original Debtor )
Consumer complaint received 2023-02-08
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-15
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)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Ingo Money, Inc. (NY)

On XX/XX/2024 I received a XXXX XXXX business debit card in the mail which was issued by XXXX Bank. I did not request this card. My credit is frozen at XXXX, XXXX, and XXXX however in XXXX I see the following soft inquiry which looks related to the fraudulent issuance of this card : XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX I do not wish to activate this card and I want this account closed and all record of it erased.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Absolute Resolutions Corp. (CA)

Starting at the end of XXXX, I have reached out to XXXX to gain access to the online payment portal. I have sent XXXX emails and have called multiple times with no success. At times the line will ring and then the call ends.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (AL)

I don't recall having a contractual relationship with this collection company Capstone Credit & Collections , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I have two XXXX loans with XXXX XXXX worth {$4000.00} in total. I transferred and consolidated these loans into one consolidated loan with Aidvantage on XX/XX/XXXX. I continued to receive payment notifications from XXXX while also incurring late fees and interest. When I first contacted XXXX they said that they had not been paid by Aidvantage. I contacted Aidvantage and one of their agents told me that they did not successfully process the consolidation despite giving me forms that said that they had. On XX/XX/XXXX Aidvatage told me that they would resolve the issue within 30 days. When I contacted both companies on XX/XX/XXXX I was told nothing had changed. XXXX says that they have not been paid by Aidvantage and Aidvantage tells me that they have paid XXXX. Both accounts are still active. During my most recent call to Aidvantage, I was on hold for over an hour and told that multiple supervisors were reviewing my account. I was then told my call was being transferred to one. Five minutes later I was told their was an error transferring the call and that no supervisor was available to help. I was also told that one would call me back and that never happened either. I have contacted Federal Student Aid and told that FSA can not help and I have contacted the Ombudsman and they also told me that they can not help me. Both accounts are active and their is no resolution being offered or pursued by either company. They both tell me tat I owe them money for the same loans.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX, XXXX, Transunion XXXX major credit reporting agencies has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (GA)

My husband XXXX XXXX passed away in XX/XX/2011 by XXXX in front of me and our kids in my home. I gained all his belongings as he passed. I contacted Wells Fargo about his passing. Wells Fargo allowed me to make payments on time for a year. XXXX dollars a month. The sent someone to do a volunteering repossession. I contacted Wells Fargo and asked why they took my money for a year and now repossession. They said well you drove it. That was the last vehicle my husband was in before he passed. The stole my money and my last real piece of my husband. I want all my money back and pain and suffering. This company is robbing widows.
Consumer complaint received 2023-02-08
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. (TX)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (FL)

I was scammed for a rental property. I signed a lease through XXXX, received a receipt for the deposit, sent first month and deposit through Xoom, received a mortgage satisfaction document and license but when I went to meet them for the keys the phone number was not available. I went to the property which I signed the lease for only to be told I was scammed. I filed a police report with XXXX County Sheriffs Department and disputes with XXXX XXXX, XXXX and Xoom but all claims were denied. Im XXXX  and out {$2000.00}. I need help
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MT)

This is my second complaint. Had issues logging in in XXXX never resolved. Have been able to monitor thru credit karma. Want to dispute and takes me to site where it says temporarily unavailable. I am so sick of this company. They allowed my information to be breached, I guess everyone can access my information but me.
Consumer complaint received 2023-05-18
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries 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 XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am reaching out for assistance once again as CapitalOne has allowed the fraudster to close my XXXX credit card account and continuously allows the fraud person to change my profile information and grant them access online. I have done EVERYTHING I can to mitigate this and each time CapitalOne one security measures fail me. This has caused my life so much stress to the point on breakdown and tears. It is very disheartening and I'm certain I'm not the only one dealing with this. I have provided verification numerous times and time and time again they still accept the old ID. There has to be a better way. As a long time customer of CapitalOne one it male 's me very unhappy to get to a point where I need to dissolve my relationship because of security issues and the lack thereof. At this time I want to make sure any charges on ALLL card I have/had with CapitalOne one after XXXX are flagged as fraud. I have not had access to my cards or online profile since XXXX. ANY amd ALL charges on the Quicksilver and XXXX card after XXXX are fraudulent and need to be adjusted as such. I would also like for a supervisor, manager, CEO to contact me and get this matter resolved. CapitalOne one has to find a better way to protect customers because what's in place now IS NOT WORKING Most recent claim numbers Case number XXXX Claim number XXXX Claim number XXXX