davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I contacted ( XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

An Account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau Agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and not being liable any longer for this debt with the original creditor.. I also notice that this collection agency re-aged the account to keep the information on the credit report longer. This lowered credit score 50 points and I am in the middle of buying a home. This is a violation according to the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) as well as violation according to the FCRA Section 605 ( c ) Running of the report period. Hipaa was also violated.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

My name is 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 2023-04-04
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2023 I received emails from Bank of America that an online application was filed and approved. There were several emails and I went to Bank of America on XXXX XXXX XXXX XXXX Washington XXXX DC on XX/XX/XXXX at XXXX. I met with a representative there and they contacted their fraud department and stated that someone did open an account in California. They were able to have that account closed and blocked. XXXX XXXX I received more emails about an application and it was approved. I spoke with them again stating that I did not open an account. At this point I am furious as someone is able to open accounts in my name with my address ( my parents address, not my current address ). XX/XX/XXXX and XXXX another email with them welcoming me to Bank of America. I have no where else to turn to about this matter and need to know what my next steps are and how do I go about this? They will not give me corporates number. 
I have all of the emails printed out as well.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have received two notices on XX/XX/18 stating that are debiting XXXX and XXXX from my account for an offset. I have been debited numerous times excelling over XXXX. I have previously put in a complaint about previous charges and I am still getting debited. I do not owe this bank this amount of money.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I received a notice from one main financial asking me to go to a police station and have a paper signed in front of the police officer. I am XXXX, are they suggesting that I do not have a XXXX XXXX or XXXX  because other companies just remove the hard inquiry. I have not seen such resistance from a company that has violated my rights. Has no proof that I requested any type of services with that company. Has not been able to prove that I was at a branch location as listed on my XXXX and XXXX credit report. Are now stating through this letter that they have multiple lending partners and maybe I HAVE issues now with My MEMORY!!!!! WOW. This is harassment. I feel violated, This has cause a XXXX XXXX, With my medical condition and the external factor being presented with this letter. One main financial needs to either remove the hard inquiry of my credit report, or explain why there are not able to do so.I do not need to go to a police station or send in a statement after they have not been able to prove that the hard inquiry belongs to me. This is a deceptive Business Practice. How many consumers are being affected by companies that will not admit to their mistake. Please Assist Me. Thank You.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One call center representatives and welcome email confirmed that I will receive a {$500.00} reward once I meet all the requirements, but the reward was not distributed as promised and I was told later that I am ineligible for the {$500.00} account opening bonus. 

I opened my account successfully with the promo code " XXXX ''. I received a confirmation email from Capital One bank on XX/XX/2020, which indicates that I will see the bonus in the account within 160 days after account opening as long as I make the required deposit within 10 days. The email did not have any languages indicating my ineligibility for the promotion. During this time period, I called Called One and was confirmed that I would receive the bonus. 

I waited for about a half a year, but the {$500.00} never hit my account. Call center representatives said that it is normal that it takes longer time for the system to process the reward and asked me to wait. After opening a case, I was informed that I was not eligible for the bonus, which contradicts to the communications that I received from Capital One bank in the past. The promotion requires depositors to keep a balance of USD XXXX to receive the {$500.00}. I kept my account balance above USD XXXX for approximately 180 days at the time of writing this complaint. 

I was not able to resolve the issue with local branches in XXXX. Local Capital One banks are turned into cafes. Local bank employees have limited access. Resolving the issue with Capital One bank is difficult and time-consuming. I received no email response after requesting the Capital One bank investigation team to reopen my case.
Consumer complaint received 2022-08-16
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)

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the accounts below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-16
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. (CA)

XXXX XXXX XXXX is reporting on XXXX equifax and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Consumer complaint received 2018-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was attempting to open a online investment account with ( XXXX ) Investment services. after the final step which required me to apply my bank Routing number.The online investment service contacted me stating the my Bank, CAPITAL ONE is blocking me from attempting to have access to my Bank external information. After contacting my Bank Capital One i was told that i can not have access to this information, when i questioned that decision. i was told that maybe its because i have a " FRAUD '' alert on my account. What does a Fraud Alert has to do with me opening a online investment account?
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (OK)

I am not liable for this debt with XXXX XXXX I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems , Inc. did not provide me with the original contract as I requested. 
On XX/XX/2019, I opened up a XXXX  service account for my son. He had service for about 20 days. The first bill was extremely high. I contacted XXXX to inquire about the excessive bill and I discovered that the XXXX employee set me up with XXXX lines tied to this single account. They referred me back to the store to get the matter rectified. Unfortunately, the XXXX employee who opened up the account had quit and the managing staff could not help me to get the account fixed. They removed the charges for the additional XXXX lines and I paid for the single service fee. After 30 days, I get another bill from XXXX XXXX again with excessive charges. When I contact them to complain, they told me it was the activation charges for XXXX service lines. At this, I took the equipment back to the store and had the account closed. I never activated XXXX lines - I don't even have XXXX people in my family. XXXX  claims that I violated the terms of our contract- yet they are unable to provide any contract that we signed for XXXX lines ( which we never did ) and they are trying to stick me with paying a fraudulent bill that their dishonest employee created so he could land a good payday before he skirted out on them. That employee loaded my activation as if I opened up XXXX lines on a single account and XXXX  refuses to accept their culpability. Again, I am not liable for this debt with XXXX  ; I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems XXXX XXXX did not provide me with the original contract as I requested.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX loans when XXXX loan payments were paused last year XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C. (KS)

Arnold, Scott, Harris PC has utilized questionable collection tactics, including contacting me for a debt that has been paid and filing for garnishment after the debt was paid. 

I previously owed state taxes to Kansas and was on a payment plan with Arnold Scott Harris for that debt. I paid off the remaining balance with my XX/XX/XXXX and XX/XX/XXXX federal tax returns. However, the collection attorney filed a garnishment after the debt was confirmed as paid several weeks prior to filing the garnishment. 

They did remove the garnishment, but they now claim that I still owe a balance. I have asked several times for them to provide a full accounting money owed an money paid. I also faxed them a letter with this request. They have been unable to provide this accounting. Instead, they sent me a payment history that lacked the original debt owed. They also continue to contact me through robo calls.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Recovery Solutions (TX)

I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AZ)

Several dates in the month of beginning of XX/XX/XXXX. I called and try to investigate but the keep giving me a run around saying they will no longer investigate. Its hard to get credit cards and a vehicle if a lot of inquiries that you have no idea where it came from.
Consumer complaint received 2018-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. Transunion and XXXX have ignored me in violation of the law.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of SS # XXXX the inaccurate information on my credit report has caused me alot of stress. I demand all of this unfair inaccurate information be removed from my credit report ASAP. 


XXXX. XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry please remove XXXX. XXXX XXXX XX/XX/XXXX unauthorized inquiry please remove XXXX. XXXX XXXX XX/XX/XXXX unauthorized inquiry please remove XXXX XXXX XXXX unauthorized inquiry please remove XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX XXXX XXXX acct # 32 inaccurate remove ASAP failure to remove these damaging information will result in lawsuit. Consumer law 15 U.S.C 1681n a In general. any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-08-16
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)

It has been drawn out into the open that you 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 again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2019-06-12
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. (FL)

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Financial Recovery Services , Inc. Financial Recovery Services , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to Financial Recovery Services , Inc . They received it certified mail and signed off at XXXXXXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX