davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, XXXX and trans union advising them that the accounts for XXXX XXXX bank ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to  dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I opened a checking and savings account with Citizens Bank back in XXXX pursuant to the {$600.00} promotion bonus that I had received in the mail. I went to the XXXX XXXX  branch on or about XX/XX/2022 and opened the account with banker, XXXX XXXX. 

I had checked with him at the time of the opening on whether I would qualify for the bonus as one of the qualifications was that I shouldn't be a signer on any accounts whereas my wife had added me to her account, only recently at that point. He said that wouldn't be an issue as I was only a secondary on her account. I relied on his advice and opened the account. 

I have since account opening met the requirements of the bonus. I reached out to Citizens Bank executive office too but they denied the request citing that I had signed the documents based on the promotion bonus. 

I relied on Citizens Bank to open this account and fulfilled the promotion requirements. I request you to step in and help me get the promotion bonus. 

If you need to reach me I'm available at XXXX.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I shopped at XXXX store XXXX in XXXX XXXX, XX/XX/2022. I spent XXXX but my Capitol One card declined the transaction so I had to use my XXXX debit card instead. My Capitol One statement for XXXX showed the XXXX charge. I also got my XXXX bank statement that showed the XXXX for XX/XX/XXXX XXXX called Capitol One and disputed the charge. The charge was removed in XXXX statement XXXX. I had stopped using the Capitol One card but I did use the card XX/XX/2022 online for XXXX. I had a XXXX on my Capitol One account. I sent Capitol One a copy on my receipt that says Capitol One declined the purchase XX/XX/2022. The receipt says another credit card was used. I am sending pictures of my receipt and XXXX bank statement with the charge from XXXX with the XX/XX/2022 charge.
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

onXX/XX/XXXX or XX/XX/XXXX I came to Chase Bank which located in the XXXX XXXX XXXX XXXX, XXXX AZ XXXX, with my friend to deposit cash around {$1400.00} to ATM machine which stand in the lobby. We deposited two times coz one time can not deposit all of them, and when we do the second time, the machine was stuck and after 5-10 mins loading circle, the screen showed need the bank supports help, and the ATM machine didn't come out any receipt or paper to show what's going on. we called the staff from bank to help us, they suggested us to call the bank customer service to do the claim service, I called and built the claim case with Chase customer service, they just said they'll do the investigation process and will resolve within 10 business days, on XX/XX/2018, I checked my bank app, there is a credit added {$1400.00} into my recent transaction, but today when I logged into my online account, on XX/XX/2018, I saw there is a claim reversal transaction showed up, which is that {$1400.00} amount was reversal, then I called the bank, they said they can not do anything about this solution coz they already went through the claim process and their back office gave this result. but I'm definitely disagree with this, coz i deposited the cash in the lobby on that day, my friends and the lobby staff also saw that, coz there is one staff came to ask us is this machine works well, we answered yes, and they explained with us, coz some guest use this machine to deposit money but got in some trouble before so they questioned. that means they knew this machine got some problem. but i called the bank customer service to ask if there any other way can do it again, they said there is nothing he can do. i am so angry with this answer, coz i was depositing my money through your bank ATM machine, but is the machine comes out the problem not because i'm lied, according to he said can not do anything, the only thing i can do is to complain the bank.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Every time I log into my Equifax credit report since XX/XX/2024 I am unable to see my credit score or report and see the below error. Customer service agents are rude and are not able to help me. I do have active disputes identity theft items but I was able to see my credit report and score just fine until XX/XX/2024 I am a paying premier member. I need someone to do fix this immediately. See below error message and attachment. 

Error message : Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at 1-888-EQUIFAX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX  removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX  that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is XXXX.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Good Morning, I have been dealing with this nightmare for way to long. ive had my identity stolen and apparently it still is. I have all kinds of cell phone debt on my credit report but i never opened them. I can not get ANYTHING because of this! 
i try and apply for any type of credit and they can not help me because what was one XXXX is now - .... My credit score can not be found. 
Please help me! 
I want to start college and can not do anything!
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (CO)

I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.
Consumer complaint received 2018-08-31
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: Experian Information Solutions Inc. (DC)

I'm filing this complaint because Experian - REPORTING # XXXX AND REPORT # XXXX has ignored my request to provide me with the documents that their company has on file that was use to verify the accounts I disputed. being that they have gone pass the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( a ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. please resolve the matter as soon as possible. Thank you.
Consumer complaint received 2022-07-09
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

My accounts were hacked on XXXX  XXXX and XXXX  XXXX took me to court for non payment i sent them proof showing it was identity theft and it was charged by an unauthorized individual. They finally agreed and retracted their judgement however they only retracted on one account and not the other. The other account was sent to collections and they have been harassing me ever since for something i wasnt liable for. I will attach documents
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (MS)

VKI - VALENTINE & KEBARTAS XXXX XXXX XXXX XXXX, Massachusetts Has called multiple times from different phone numbers. They have now started contacting family members which is very unprofessional. They have used XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX. They have called almost over complete 30 days of XXXX.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (MS)

on XX/XX/2018 i sent a letter to XXXX XXXX requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
Consumer complaint received 2022-07-09
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part XXXX Docket CFPB XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX with Rushmore Loans opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST (CA)

I AM A VICTIM OF AN IDENTITY THEFT, BANK OF THE WEST HAS ASSIGNED THISA CCOUNT TO XXXX XXXX XXXX COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT BANK OF THE WEST, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT BANK OF THE WEST
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.