davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX 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 15 U.S.C 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S dept XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Someone intercepted a check I had mailed in the amount of {$1200.00} to my credit card company. They washed the check and made it out to themselves for {$6300.00} and cashed it on XX/XX/2022 via mobile device. They also were able to get into my online banking and transfer {$6500.00} from my savings account to my checking account on XX/XX/2022 so the check would clear. I discovered this transaction on XX/XX/2022 and immediately notified my bank via online chat and then went to my local branch the next day. I was told they are working with the financial institution that cashed the check and it could take 90 or more business days.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, 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.

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2022-09-29
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. (MI)

Transunion is reporting a bankruptcy on my credit report stating that the data furnisher being the XXXX XXXX Michigan Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and has yet to remove this.
Consumer complaint received 2023-05-12
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
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. (PA)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to withdraw 1 % of the funds in this account ( {$400.00} ) to have cash on hand due to hurricane season and hurricane Ian concerns and Capital One 360 would not authorize it and continued to place a restriction on accessing my funds even after I called to explain. I told them they leave me no choice but to transfer my funds to my former account. I initiated the transfer and they again, restricted all funds and said the transfers will not go through. I had to call again to complain and explain. This should be illegal!
Consumer complaint received 2022-09-30
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo illegally foreclosed on our house. Did not follow proper procedures. Did not fix. Cost us reinstatement funds. Caused credit issues and could not refinance. Then they sold our Mortcage to another company costing us even more money.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

On several occasions my Wells Fargo account will have a balance that can cover a transaction. Often times what happens is the transaction doesn't " post '' until my funds are low and then I end up going negative and incur an overdraft fee. At XXXX point I was negative {$200.00} even though I had deposited funds to cover the negative amount. They waited to " post '' funds until more transactions had posted causing me to be even more negative and again incurring another overdraft fee. I'm attaching my XXXX bank statement which shows overdraft fees paid to date of {$550.00}, in XXXX and XX/XX/2022 I was charged {$140.00} in overdraft fees each month!
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Loss payment from XXXX. Refuse to apply funds sent by XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Payments was sent and They have not applied to account. 
I have tried to explain to the company Im actively in bankruptcy and they have neglected to acknowledge my bankruptcy case that has not been XXXX. Every-time, I call the tell me this is an attempt to collect a debt. Cardinal Financial is not following bankruptcy law. Attached is my active bankruptcy case and the Award letter from my Assistant from government agency.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

For the last XXXX XXXX  comenity has had serious system issues and issues trying to make payments. Which they are aware of. I finally get my accounts fixed by a specialized team and within XXXX XXXX it got all screwed up again. They fixed some of the issues but not all. 
Today my XXXX XXXX updated and it said some of my accounts were closed and charged off and sold to a debt collection agency. 
I was told all these issues would be fixed and I would not longer have any negative impacts on my XXXX 
This has been absolutely horrendous and XXXX has completely destroyed my XXXX for an issue they are having. I want this fixed. 
I was told I could create new accounts when my cards came in and they are still not here. How can I create new accounts if you guys close the cards on me and sell them off?? Im also XXXX XXXX so calling doesnt work for me but XXXX XXXX has been noting just like so many customers have youre either on hold forever and get hung up on or you never get through. This has been absolutely shameful.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Information on my credit report provided by Experian and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have attached an OCC investigation complaint. My accounts were closed illegally violating multiple consumer laws. 15 usc 1666a, 15 usc 1666b2, 15 usc1666e. Accounts can not be close for reporting a billing error. I received no documentary evidence pursuant to 15 usc 44. Pursuant to 1681a ( 2 ) ( A ) ( i ) a credit report containing information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED. I requested that these accounts be removed and they have not done so. Pursuant to 15 usc 1666d If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. 
The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.
Consumer complaint received 2023-02-05
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: BARCLAYS BANK DELAWARE (CA)

I has a Banana Republic card through XXXX. I paid off the account and the account was closed by XXXX due to inactivity. I called and confirms this with a representative. When Barclays took over Banana Republic Credit they sent me an invitation to activate an account with them, but I declined. I discovered in XX/XX/XXXX that an account was opened for me and I called to request them to close the account. In XXXX I called again asking to close the account. In XX/XX/XXXX an agent assured me the account was closed. XX/XX/XXXX I received a delinquency notice because they charged me an annual fee and then added late fees. I wrote a letter and sent it to Barclays explaining the account was opened without my permission and asked them to close the account. XX/XX/XXXX I received a letter from Barclays saying they investigated and found there is no fraud on the account and that the account is in good standing. I called and requested the account to be closed AGAIN and was told they can not close the account. Not to mention every time I call in to try to speak to someone they ask me for my credit card number but I was never issued a card so I so t have a card number!
Consumer complaint received 2022-10-03
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: CLGF Holdco 1, LLC (TN)

On XX/XX/2022, I received a statement from Genesis FS Card Services for a Destiny Master Card, that I hadn't applied for. It had a {$300.00} credit limit and a charge for a {$75.00} fee. 
On XX/XX/2022, I called their # at XXXX and reported this to them. The person who answered the phone had a very heavy accent and was very hard to understand. The only thing I could understand was, he would mark it down as fraudulent and for me to contact the credit bureau. I intend to file a police report, contact the credit bureau ( s ) and file a fraud alert with them. Their address as listed on the statement, is XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-30
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. (LA)

I REACHED OUT TO THE COMPANIES THAT HAVE THESE FRAUDULENT ACCOUNTS ON ALL 3 OF MY CREDIT REPORTS ASKING FOR PROOF SHOWING THAT THESE ACCOUNTS BELONG TO ME. THEY HAVE YET TO PROVE THESE ACCOUNTS BELONG TO ME. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Consumer complaint received 2023-02-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IN)

My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( XXXX XXXX  ) concerning XXXX XXXX XXXX XXXX by XXXX with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called XXXX XXXX, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from XXXX XXXX two years ago. 
When I checked online at ( XXXX ), I found that somebody at XXXX XXXX  opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize XXXX XXXX  to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted XXXX XXXX, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
XXXX XXXX openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-01
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00}.