davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CO)

XX/XX/2019 I was in a bicycle crash and required and ambulance ride. The Ambulance was provided by XXXX XXXX and XXXX XXXX. My insurance was rather slow to pay so, XXXX XXXX and XXXX XXXX turned me over to Aargon Collection Agency. My insurance then settled with XXXX XXXX, but Aargon still wanted the remaining balance. I don't think I really owed this, but did not know how to fight it, so I paid then a settlement to go away. They have not gone away and continue to send collection letters. 

Settlement of {$850.00} was paid in full XX/XX/2019. Aargon reference number, XXXX Nevermind that Aargon probably had no right to any money, but they persist in harassment.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One accepted my company to open a business credit card with a limit of XXXX. XXXX year later we asked for and increase and they accepted to increase it to XXXX. A couple months went by, and they automatically increased my limit to XXXX. I've made all my payments on time and no late payments ever. I had some fraud with XXXX of the employee cards and they verified the issue and credited my account total about XXXX. Months later they froze my account because according to Capital One suspicious activity prompted an alert sometime in XXXX or XX/XX/2022 and they told me over the phone that they needed to verify my identity to move forward. They have this email link set up to upload a picture of my ID and I tried over XXXX times to upload the ID and their app would not accept it because of clarity issues. I offer to text it or provide personal information to a question that I choose when the account was opened but they would not accept any other way. Finally, I talked with a supervisor, and he asked me some questions and got my account back on trackXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told them that this can not happen again. Here we are in XX/XX/2022, and it happened again. Capital One told me fraud alert again and now they asked for XXXX, home address verification and ID. They stopped my text alerts to verify every purchase so I can no longer see what they buy with my cards on my mobile phone. I no longer trust that they know what they are doing and feel they are providing my documents to leak by sending them on an email thread. If they don't know who I am why did, they let me open a business account. I feel harassed, picked on and they are disrupting my daily business operation for no good reason. Every time I would see unauthorized transaction, I would call them to let them know. When they freeze the account, they don't let me speak of anything because they tell me they don't know who I am. I have the same phone number, name and business XXXX that I provided when I opened the account. How could the account owner be humiliated and harassed when the hackers get away with it with no issues. I sent them over my SSN card along with a home address verification letter and they said that my ID wasn't legible when another customer rep said it was fine and the other XXXX documents needed to be emailed in. I believe they are targeting me and my business for no apparent reason. I pay my bills on time and if they really don't know who I am why don't they question the payment when I send it in, shouldn't they reject it as well just like my purchases get rejected.
Consumer complaint received 2022-11-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX ACCT # XXXX
Consumer complaint received 2020-01-15
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. (TN)

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Equifax under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2020-01-15
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)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX  Customer Care TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX : Request to Update XXXX Report Due to Loan Closure Issue Dear Sir/Madam, I hope this message finds you well. I am writing to formally request an update to my XXXX  report concerning my loan account with XXXX XXXX. 
Details of my account : Name : XXXX, XXXX XXXX, XXXX XXXX Report Reference Number Loan Account Number : XXXX Date of Loan Closure : XX/XX/year> I have successfully cleared all dues associated with my loan from XXXX XXXX. However, the loan account is still showing as active in my XXXX report, which is adversely affecting my credit score. 
I kindly request you to verify this information with XXXX XXXX  and update my XXXX report accordingly. A prompt resolution would be greatly appreciated, as it impacts my ability to obtain future credit. 
Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt response. 
Sincerely, XXXX
Consumer complaint received 2020-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2024-03-16
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/year> ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX{$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in XXXX
Consumer complaint received 2024-10-15
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. (OH)

XXXX issues. TransUnion disputes. XXXX. XXXX. Dispute prior and removed. A same as cash loan. Paid in full. Business wanted to overcharge me for a billing issue as their clause is if any billing issues then same as cash voided and want paid above same as cash option. XXXX purposefully messes up billing to try to gain funds over the same as cash option. Prior dispute TransUnion removed. I disputed again XXXX times after because placed back on wrongly and old age and billing issue as stated above dispute refused by TransUnion. Over XXXX XXXX XXXX. 
XXXX. Had a same as cash loan XXXX. XXXX purchase. High price due to shortages. XXXX mishandled on my credit report balance and payments. Reported under a different source also XXXX XXXX. From what I paid and how many times I paid to XXXX under billing on their website it was paid in full. XXXX or XXXX refused to correct or remove from report. TransUnion would not remove or make them correct. Wrongdoing by all parties. By law reports MUST be accurate. No one will adhere to laws.
Consumer complaint received 2024-10-15
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-02-22
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. (FL)

I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2024-10-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 2. XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX  Account # ending in XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX 4. XXXX XXXX Bank Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX 5. XXXX Start Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609.

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window. 

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (MD)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$1800.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MA)

This complaint is based on violations of the FDCPA, the FCRA and MGL c.93A of the Massachusetts Consumer Protection Act by the Respondent. 

XXXX On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by Massachusetts law or the FDCPA. 

XXXX On or around XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials required by Massachusetts law for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt. 

XXXX XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by Massachusetts law and the FDCPA. 

___ In early XX/XX/XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent deleted the account from XXXX  and XXXX. However, the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to XXXX. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they have continued collection activity while failing to validate the debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of 940 CMR 7.08 ( 2 ) and MGL c.93A sec . 2 in that they continued to collection activity while failing to provide evidentiary materials to validate the debt as required by Massachusetts law.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( e ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Consumer complaint received 2023-07-14
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: ALLY FINANCIAL INC. (FL)

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than XXXX hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be XXXX inquiries from XXXX XXXX XXXX and it will NEVER be more than XXXX inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw XXXX inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only XXXX inquiries and I then told him that I can very CLEARLY see XXXX inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his XXXX XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales XXXX XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported.

I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : rent recovery solutions Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (SC)

I went to a Wyndham sales presentation on XX/XX/2019 at XXXX XXXX, Tennessee. I am a Wyndham owner and already have a Wyndam credit card. 

When I was speaking to the salesman, I was clear that I did not intend to make a purchase, and told him that both my husband and myself have Wyndham credit cards. The salesman asked us to make sure our account information was up to date and had us sign a statement that it was. 

About 10 days later, I received two notices fr om Barclay 's Bank, stating that we did not qualify for the credit cards that we applied for because we already had open accounts. I have been in contact with dozens of Wyndham owners who have been lied to and tricked into having a credit report run this way. It is a pervasive problem throughout the Wyndham franchise.