davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (TN)

4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** XXXX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE XXXX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED. 


PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I filed a complaint with CFPB with Capital One due to my account being frozen and having had ZERO COMMUNICATION regarding why account was frozen, when I can get MY money released to me. 

FINALLY received a response after leaving SEVERAL messages to a " Hidden '' department who never wanted to pick up the phone. " XXXX '' authored a letter that was as vague as stereo instructions : : Quote from letter : : " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). Until that time, the restriction will remain in place. '' WHAT??!!!!!! 

The last deposit to MY account was posted XX/XX/XXXX ... ..ARE YOU KIDDING ME???!! 
I am not going to let CapOne hold my money indefinitely - really? 
Is this the " new '' scam? 

I am in no way contacting anyone to have them recall any deposits to my account ....! 

So I have left XXXX messages with " XXXX '' since I received CFPB notification on XX/XX/XXXX at XXXX PST. No response... surprise! 
My files, screenshots, recordings and now this letter, have been forwarded and NEW complaints to FDIC, OCC, and California State Attorney.
Consumer complaint received 2021-06-01
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: Early Warning Services, LLC (MD)

I was told to contact Early Warning Services at XXXX, They declined to provide any information. This was last week. The report was filed by XXXX but my own bank XXXX XXXX XXXX also refused to open a business account.
Consumer complaint received 2022-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

We applied for a {$170000.00} XXXX  on XX/XX/2022. We submitted all the request support immediately. We believe that met US Bank XXXX underwriting standards. 

There is an fraud alert on our credit reports that we placed several months ago. The US Bank Underwriter stated that they must call us regarding the fraud alert, which we agree with. To our knowledge US Bank never placed the calls, per our cell phones call history, and we asked US Bank to verify the number being called. He stated, via email, that he called XXXX  times. 

The underwriter was unresponsive to our phone number information request, other then saying in an email that our loan was being " td ''. He further stated that he is not working on this XXXX application. 

Emails to/from US Bank are available upon request.
Consumer complaint received 2021-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.
Consumer complaint received 2022-02-28
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. (VA)

Experian is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Experian is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Consumer complaint received 2022-02-28
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 (MD)

XXXX Bank was the issuer of the XXXX XXXX card that I received. The website prominently offered a 20 % discount on the first item purchased with the card. I purchase a XXXX waffle maker for a total cost of {$260.00}, which should have received a discount of {$52.00}. The discount was not applied. I contacted XXXX about this via their secure messaging system, and they advised me to file a dispute. 

I sent a letter initiating the dispute on XX/XX/2021 and received a form letter dated XX/XX/2021 confirming receipt of the dispute ( copies attached ). I did not receive any additional communications from XXXX. 

On XX/XX/2021, the account was transferred to Capital One Bank. I then wrote to Capital One to call their attention to the outstanding dispute at their offices in XXXX, NC. I learned in late XXXX that the letter might better have been directed to their offices in XXXX XXXX XXXX, and I send a letter with all the previous documentation to those offices on XX/XX/2021 ( copies attached ). I have received no communications from Capital One Bank.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (CO)

I am a XXXX XXXX  XXXX XXXX. 
A XXXX and as such it is against FEDERAL LAW for any provider who accepts XXXX to bill A XXXX for any co pays or outstanding amounts. XXXX XXXX XXXX Continues to send this bill to collections agencys. They have been notified by XXXX Billing personnel and must cease billing or sending this bill to collections agencies in an attempt to threaten me and cause damage to my credit rating.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Contacted PayPal to halt a recent and still pending transaction that was fraudulent. PayPal refused to cancel XXXX and opened a case and told me to have my bank cancel it, which I did. Once funds were rejected PayPal, despite having a case, charged my credit card due to the rejected bank funds which they told me to do. PayPal supervisor told me they don't screen for fraud and pass that onto consumer. PayPal is violating Know Your Customer requirements under the XXXX XXXX, as in this case a foreign person/entity from XXXX opened an account on their platform under a US company 's name to carry out their fraud. Upon my request PayPal confirmed the user is in XXXX which should have raised flags as they registered under a company name. I'm addition PayPal allowed this foreign user to compromise my private banking info as the debit came from the XXXX source and not PayPal. PayPal had made the process harder on me as a victim of fraud then on the fraudster themselves. They also confirmed that if my case is successful, which it will be as the legitimate company has informed me it's fraud, I am allegedly covered by their buyer protection. I asked if they also then refunded all others defrauded by the user I reported and they said no and that anyone else would have to file their own claim. Essentially when PayPal is made aware of fraud they keep the money and pass responsibility onto the user rather than act on information they have. As they get a cut of transactions they are a sponsor of fraud on doing so
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and OTHER FALSE INFORMATIONS from my credit report immediately.
Consumer complaint received 2022-02-28
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. (NY)

Experian and associated companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly. 

UPDATE all inaccurate information from each account listed on my credit profile. 

Update all personal information on my credit report. Addresses showing are not belonging to me, multiple names have been placed illegally on my profile, update this and remove all inaccurate information immediately. 

Do not report any inaccurate information on my credit report without my written instruction. 

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
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (FL)

Account was paid in full in XXXX. I received a phone call from XXXX XXXX XXXX saying I was behind on payments. I advised them the amount was paid in full already. When They asked for proof I advised them the bank account I had when I was paying is no longer open. I also advised that the account had been closed for two years and I could not get documentation. She said, OK, I will remove the account and hung up. I noticed on my credit report yesterday, XX/XX/XXXX, that it was sent to collections for over the full amount to Prince Parker and Assoca saying the account was opened in XX/XX/XXXX which is not correct. When I contacted them, they advised me I owed {$2000.00}. When I told them my bill was already paid they became very aggressive and threatened a lawsuit.
Consumer complaint received 2023-02-18
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: WELLS FARGO & COMPANY (PA)

I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit.
Consumer complaint received 2022-02-28
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. (GA)

The following inquiries are unauthorized. These unverified and unauthorized items must be removed per my rights under FCRA ( Fair Credit Reporting Act ). 

XXXX XXXX  XXXX XXXX - DATE XX/XX/2021 XXXX XXXX XXXX XXXX  - DATE XX/XX/2021
Consumer complaint received 2022-02-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (VT)

made payment on time but 20 minutes late was charged {$35.00} fee. Called to complain and was told fee would credited back into account for being a loyal customer since 1996 and always paying on time. Now two month later they { DISCOVER CARD } has n't given me a refund!! After phoning a bunch of times!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX of 2022, XXXX XXXX XXXX  falsely reported a collection/chargeoff on my credit. This account was fraudulently obtained. XXXX XXXX XXXX is aware and a police report was created because my identity was stolen. The account since has not been removed.
Consumer complaint received 2023-05-26
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX XXXX XXXX
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX of 2022, XXXX XXXX XXXX  falsely reported a collection/chargeoff on my credit. This account was fraudulently obtained. XXXX XXXX XXXX  is aware and a police report was created because my identity was stolen. The account since has not been removed.
Consumer complaint received 2022-02-28
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 the Fair Reporting Act, XXXX account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
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. (MA)

On XX/XX/XXXX a hard inquiry was made to Experian by XXXX XXXX XXXX for a credit card. I also noticed a hard inquiry on XX/XX/XXXX. Both were for a credit card. While I am a XXXX XXXXXXXX XXXX customer I did not submit an application for a new credit card on either dates. I called XXXX XXXX XXXXXXXX. They did not see a new credit card account in my name as being opened. They suggested I call Experian to start a dispute. I called Experian and opened a dispute on the hard inquiry. They suggested I go to FTC.gov to submit a report. The FTC.gov site referred me to consumerfinance.gov.