davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor XXXX XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over 7 years old which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Consumer complaint received 2017-07-26
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 (WV)

I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-01-24
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

Company called on XX/XX/20 to advise that account was showing 2 months behind on payments but nearly a full payment was in the " suspense '' account, if we were to send a full payment plus {$30.00} this month that would catch up the account. Advised company that one of our hours had been cut severely due to COVID 19 and we are working to make the payment but it may be a little late XXXX or XXXX this month. 

Company advised that was fine and " no worries, we will just notate the account with the payment arrangements. '' Company filed a 30-day late report with all 3 credit bureaus the following day XXXX.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

My girlfriend signed me over her payroll check in which I deposit the check in full via ATM on X/XX/2017. I went into the branch the next day when the funds became available and removed funds from my account. On XX/XX/XXXX I received an email stating I had XXXX funds in my checking account. I immediately open my Wells Fargo app to view the activity where it showed my ATM deposit pending return. I then immediately called Wells Fargo to inquiry on the reason the check is pending returned item. The representative informed me because the check was made payable to another person I could not deposit the item as it was against their policy. I asked when did this become their policy as I did this type of transaction in the past. He then informed me this has always been a policy in which they are now enforcing more within the last couple of years. The representative stated a copy of the check would be sent to my girlfriend. I asked how will the check be sent to her when her address is not on the check and the check has been properly endorsed to me making it a legal instrument entitled to me. The representative stated I could have deposit the check with the signer inside the store location. I do not understand how an establishment can pick and choose when to upheld a policy. In addition, an ATM deposit should not warrant any difference than a deposit in person. Worse case senario an extended hold could have placed on the check. How can a check cashing company have their customers sign over their check and deposit the checks into their account if this is against Wells Fargo policy. Now I have to let my account sit in a negative balance because I made payments to other vendors and get assessed with multiple fees.
Consumer complaint received 2022-05-29
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. (FL)

I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK SELF
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The following account information is incorrect reporting that I was late on the following accounts : XXXX/XXXX : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX XXXX   : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX  and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( XXXX and XXXX  ) ; XXXX XXXX : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX ) ; XXXX/XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and XXXX ) ;
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MN)

I checked my credit report and was that information, I mailed asking for verification of my debt, since I was disputing with att, they mailed me the bills buy not the contract of how they calculate my debt.i got a second letter state the same without any explanation of my debt, amount I was disputing with the store ( no plan with that company they offer a flat international plan, after I got my last bill I was told no more extra charges will in my account ) Totally unfair this account is in collections.
Consumer complaint received 2020-11-09
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. (FL)

There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (CT)

Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NV)

First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.
Consumer complaint received 2022-05-29
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. (FL)

I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (MA)

I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly
Consumer complaint received 2017-07-25
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: Experian Information Solutions Inc. (MD)

I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX on XX/XX/XXXX 2 : XXXX XXXX on XX/XX/XXXX 3 : XXXX on XX/XX/XXXX 4 : XXXX XXXX XX/XX/XXXX 5 : XXXX on XX/XX/XXXX 6 : XXXX on XX/XX/XXXX 7 : XXXX on XX/XX/XXXX 8 : XXXX on XX/XX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Consumer complaint received 2022-05-29
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. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (LA)

Radius Global Solutions LLC has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX # XXXX XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX  XXXX # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX. # XXXX. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. 

Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX,. XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (GA)

Inaccurate personal information are on my credit reports. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 my debt card was used to make three unauthorized ATM withdraws in the amounts of {$200.00}, {$200.00} and {$100.00} at two different locations. On XX/XX/2022 one unauthorized ATM withdraw was made in the amount of {$500.00}. On XX/XX/2022 4 more unauthorized ATM withdraws were made in the amount of {$500.00}, {$200.00}, {$200.00}, and {$100.00}. On XXXX XXXX the debit card was used to make purchase for {$170.00} and on XX/XX/2022 a charge was made for {$8.00} was made. On XX/XX/2022 I realized that the card had been stolen and i immediately called the Chase Fraud Dept to notify them of the unauthorized transactions that were made. Chase reimbursed the debt card amounts of {$170.00} and {$8.00}. I was told that a investigation would be made for the unauthorized ATM withdraws. They informed me after 10 days that they would temporarily reimburse me for those withdraws. I have never made a ATM withdraw using any chase card before so I had not set up a pass word to do and ATM withdraws. After the 10 days went by I noticed that none of the ATM withdraws were refunded so i called the fraud dept again and was told that the request was denied and the case was closed and could not be reopened.