davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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. (TX)

In accordance with with the Fair Credit 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 have 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, also states, a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Please remove this from my credit report as this account does not belong to me. I have included the identity theft report. It also says that I had a bankruptcy and I have never had a bankruptcy as confirmed by XXXX XXXX which I've also included a letter from them. Please remove this file from my report asap. 

XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX Bankruptcy. 
Status updated XXXX XXXX
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-06
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: Exeter Finance, LLC. (GA)

Exeter finance placed a fraudulent account on my credit report, I demand Exeter finance remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action Exeter finance for violation my my consumer rights, im filing this complaint against Exeter finance because Exeter finance has used my information to establish a fraudulent account in my name, in future reference I will sue Exeter finance in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My account kept growing more and More into the negative. I called the customer service line multiple times to verify if XXXX was off because I didnt want it on to begin with. I was assured everytime that it was off yet more transactions were still going through further making the account more negative and assessed more overdraft fees until my account was forced closed and sent to collections.
Consumer complaint received 2023-10-27
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: MoneyLion Inc. (GA)

A credit builder account was open through the platform " Moneylion " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-02-16
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 ()

I was permanently banned from using PayPal account after I tried contacting PayPal how and why was this happened. I was told that my PayPal has a high potential risk. I want to kindly plead with PayPal for a review as I have done no activity that can cause my PayPal banned. I carefully followed their policies and my account is still new. I just created my account on XXXX XXXX and just started to use it in receiving money on XX/XX/2023. I only have 3 transactions and needed to complete 10 transaction for me to established the trust of PayPal and to follow their policy.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in Capital One Auto Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By COAF to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today I made XXXX purchases on credit card The published daily rate is XXXX XXXXXXXX My purchase for XXXX XXXX was charges at XXXX XXXX At XXXX XXXX  per dollar my purchase should be {$28.00} Creidt due me {$1.00}
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Between XX/XX/XXXX and XX/XX/XXXX, three fraudulent accounts were opened using my SSN with Bank of America. I don't have an account there. I did have a credit card with Bank of America up until 2018 but closed it due to my frustrations with their customer service. After the first fraudulent account was opened on XX/XX/XXXX and I was alerted by email, I did everything that was suggested to freeze my credit. I went to the XXXX and put a hold on that. But despite this, another account was opened with my SSN on XX/XX/XXXX. I thought maybe the XXXX freeze hadn't taken effect yet so I didn't get angry about it. I got this account removed like the other one. 

The main frustration came next. I sort of relaxed a bit and thought that it was done but it wasn't. It turns out that more accounts were opened by Bank of America. This included on XX/XX/XXXX, the account that I thought I got removed which was reactivated on XX/XX/XXXX. Moreover, another account was opened with my SSN on XX/XX/XXXX. Whoever was doing this wised up and removed my email from the alerts. I didn't know until I checked my credit reports on XX/XX/XXXX. I did finally get someone to put a freeze on my SSN but who knows if that means anything with Bank of America. I spoke with someone online who just had another issue with a fake account so who knows. 

My frustration isn't with the fact that someone opened an initial account with my SSN. I get that that sometimes happens. My frustration with Bank of America is the three accounts that were created after. It shouldn't be so easy for fraudsters to continue to create accounts online with Bank of America after this happened. When someone freezes an account, it should be frozen and there needs to be a process. It should be assumed that the person calling up to complain is that with the actual SSN.
Consumer complaint received 2023-02-11
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: Bread Financial Holdings, Inc. (AZ)

This credit card company refuses to take off the hard inquiry on my credit report after multiple go arounds advising this was fraudulent. I have called, contacted the credit card company ( which refuses to do anything and acts like they have no idea ) and CFPB and they respond this is a duplicate request. This credit card company endorses fraud accounts and refuses to assist when called or mailed requesting this be taken off my credit summary. THIS IS NOT A DUPLICATE REQUEST. The hard inquiry still appears on my credit report. I have tried to get this resolved in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX.
Consumer complaint received 2023-02-10
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. (MS)

I have been sending in complaints and disputes letters for 6 months now and nothing has been done. Ive called and no one has done anything to get the fradulent items off my credit report. I did not work with these companies.
Consumer complaint received 2023-02-10
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 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 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. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
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. (CA)

XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that need to be investigated and correct : XXXX XXXX Balance : $ {$16000.00}
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OK)

Comenity Bank calls me 5-7 times daily from different numbers, some blocked. My payment has been scheduled. When I complained to the last person I talked to about the repeated calls, she said it was due to an auto dialer and that it wasn't against the law to call multiple times in a day.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I opened an account with Wells Fargo that had a bonus code for {$300.00} if I met certain requirements. I had to make 5 deposits within 60 days to get the {$300.00} bonus. I made the transactions plus some, but Wells Fargo is refusing to give me the {$300.00} bonus. I checked to make sure with the banker my transactions would count prior to opening the account and they told me they would. Wells Fargo made an agreement with me they aren't honoring.
Consumer complaint received 2017-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One charged an annual fee but never sent me the bill. Then charged late fees and reported me as late pay to the credit bureaus. With the late fees they then sent the bill. 
I talked with them, paid the annual fee and they waived all the other charges. The account is in good standing. XXXX XXXX said they would report back to the credit bureaus to have the comment they put on reversed and it was their error. 
This has not been done. They were at fault and now they have damaged my credit rating.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX  XXXX Balance : {$130.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-08
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. (NV)

Name Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Consumer complaint received 2023-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.