davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I paid for a credit repair service. The person who repaired my credit disputed my Capital One spark account and it was closed for fraudulent activity. I called them to confirm it was NOT fraudulently and they told me after the investigation is completed I still will not be able to get my account back. No one was able to give me an explanation as to why I couldn't get my account back. Now I receive a letter in the mail saying they have confirmed it was my account and the activity was not fraudulent but still my account is closed.
Consumer complaint received 2018-06-30
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. (MO)

My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2022-03-21
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. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years
Consumer complaint received 2019-10-17
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-09-27
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: TD BANK US HOLDING COMPANY (VT)

On XX/XX/XXXX. I noticed on my credit card statement a transaction made at a XXXX in Minnesota on XX/XX/XXXX. They cancelled my credit card immediately. They said that they would then look into the transaction and it turns out that there were 6 transactions made totally {$340.00}. I called them again later that week and nothing had been done. I called again the XX/XX/XXXX. I had not received my new credit card as of yet and nothing was credited to my account. I called again today. They said that they are putting it in as a non fraud case to XXXX because I do " business '' with XXXX. So because I have bought XXXX food in the past a few times over a few years I must have bought this food 6 different times in one month in a state I've never been in. Under the Error Resolution Notice which they had no idea about they are not crediting my card like they are supposed to.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (CA)

I have continued to dispute XXXX XXXX XXXX XXXX due to theft. its been one year from last dispute and Experian has failed to investigate per the fair credit reporting act and the cares act.. at one point I was willing to pay the account with settlement from the company due to me being a XXXX XXXX victim and was trying to find housing. this account was establish during the XXXX XXXXXXXX. the police did find the car eventually and XXXX XXXX XXXX decline to pick it up from storage due to it being wrecked. XXXX XXXXXXXX also want me to sign a statement stating that I had the car in my processing all that time which will not be a correct statement. 

Experian has also continued to provided a statement to creditors when I'm applying for credit stating I have seriously derogatory delinquencies meaning more than one and other factors that play in the denial of my application. 

since I have almost recovered from id theft I have paid my bills on time and Experian has continued to keep my score at a minimal to prevent me from applying for credit.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My family members aswell as the people involved in a XXXX XXXX lawsuit filed and won by me for the death of my wife in a car accident aswell as being related with situation that I was XXXX for for 15 years and discharged, has been stealing my identity and committing fraud in my life with financial accounts and it involves multiple accounts and transactions pertaining to false arrest warrants for me being served and resubmitted aswell as mortgage fraud in my credentials and life policies that were to come to me being adjusted illegally and fraudulent transactions made to cash value in and it all shows up on my consumer report and I have filed with irs and all committed companies but need assistance in furthering things to do in order to bring this to justice because they are stealing my financial assistance from government, filed student loans in my name and received the money for them already and this should be on upcoming credit accounts and I need a full reversal of all transactions that have been made that have not been me
Consumer complaint received 2022-12-03
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. (AL)

Transunion refused to follow suit with XXXX and XXXX. Both credit bureaus have removed unauthorized inquires and account from credit report due to failure to show proof of debt. I have submitted multiple times to Transunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Trasunion it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Transunion failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires 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 removed from my credit report or send debt validation of these accounts with my signature.
Consumer complaint received 2022-03-21
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : {$860.00} ; Account Type : Collections.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. 

I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! 

I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi Personal Banker
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

this account was open in XX/XX/XXXX or XX/XX/XXXX i made payments on the count ever month untill it was paid off. i was told the account was paid in full, i use XXXX XXXX and i noticed it was on there as a collections, try to resolve with the company with out any luck, they reported opened in XX/XX/XXXXwhich is untrue
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (FL)

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (PA)

My name is XXXX XXXX and I have recently viewed my Equifax credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted Equifax directly and just keep getting the run around and transfered only to be hung up on after holding for 35 minutes. I expressed to them that this is stopping me and my family from aquiring a home. I have also contacted the Federal Trade Commission in this regard. I pull my credit report every week and they have not been removed. I've called equifax everyday for past month and nothing has been removed. Please help. My family needs a place to liveand this is stopping our process.
Consumer complaint received 2021-06-14
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: Fairway Independent Mortgage Corporation (CA)

On XX/XX/2021 I was solicited by a lender on XXXX. They asked for my credit history and income and asked me to complete their application sent to my email. I started to complete the mortgage application and never submitted it back to the company, I never completed or signed the document I quit halfway. Unfortunately, I quit completing the application after I checked a box that said they could run my credit. But like I said I never finished the application nor did I ever sign or submit the application to them for processing. They took the application and ran with it and ran a hard credit inquiry on me without my permission on XX/XX/2021. When I found out about this I was furious and told XXXX XXXX they had no right to run my credit. He was rude and never apologized nor did I ever receive a copy of the this hard inquiry.
Consumer complaint received 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello Today I called Transunion Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to XXXX  and XXXX whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved
Consumer complaint received 2022-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-07-06
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: SYNCHRONY FINANCIAL (FL)

Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-SyncB/Paypal ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-SyncB/Paypal ( XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXXXXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/21, I applied for what I thought was a CapitalOne Quicksilver card. 

On XX/XX/21, I discovered an annual fee on the card, which was a surprise. I called CapitalOne and spoke to XXXX.The Quicksilver One and the Quicksilver look visually nearly identical ( gray with concentric circles ), and apparently, I clicked the one with an annual fee in lieu of the one without. He did not waive the fee nor allow me to upgrade the card. I called later and spoke to XXXX at CapitalOne and he said I would have to close the old account and apply for a new one. 

I then spoke with XXXX from the new applications team. We went through the application process, only to end with a decline of my application. My credit score is impeccable, unsure why I'd get declined.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank has violated the FDCPA by causing my phone to ring with an automated telephone call requesting payment of an alleged debt on XX/XX/2022 at XXXX and XX/XX/2022 at XXXX. These calls are a violation of 15 USC 1692c. Comenity Bank has sent me an electronic mail message and letters stating it was attempting to collect a debt, using its symbol in the communication ( an email ) which is a violation of 15 USC 1692b. Pursuant to 15 USC 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) NOT STATE THAT SUCH CONSMER OWES ANY DEBT ; ( 3 ) NOT communicate with any such person more than ONCE unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2021-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Chime is an online bank that has closed my account as well as many others ( evidence provided here : XXXX XXXX XXXX ) without much detail and or warning. As such, they have the funds to my account ( {$1500.00} ) and have not sent over the remaining funds from my previously open account to me via check, wire-transfer, or any other means. As this was meant to be my rent for the month of XXXX, I had to source my payment via my credit card, which is not ideal for plenty of reasons. As I have been waiting patiently for an update going on more than 2 weeks now, please help in escalating the transferring of my funds back to me ( as they have locked me out from my online app account and I am now incapable of transferring it myself ). Thanks
Consumer complaint received 2022-12-03
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: Choice Recovery, Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.