davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

15 U.S. Code 1692 - communication in connection with debt collection. 
This debt collection agency is require that I pay {$130.00}. On a debt that don't belong to me or is not verified.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-31
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2018-11-26
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. (TX)

I contacted all three credit bureaus ( XXXX, XXXX, and TransUnion ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX  XXXX XXXX, 2 ) XXXX Customer Service on XX/XX/XXXX for XXXX XXXX XXXX, 3 ) XXXX XXXX on XX/XX/XXXX, 4 )  XXXX XXXX on XX/XX/XXXX, and XXXX  ) XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Consumer complaint received 2019-04-02
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: ID Analytics, Inc. (CO)

Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. 

The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. 

As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.
Consumer complaint received 2022-03-31
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: CITIZENS FINANCIAL GROUP, INC. (DC)

In late XXXX of this year ( XXXX ) XXXX transferred a number of accounts to Citizens bank. 

Previous to the transfer to Citizens bank I had an XXXX credit card. 

In XXXX, I noticed XXXX fraudulent charges on my XXXX credit card which I immediately highlighted with XXXX for concern. The first charge was placed on XX/XX/XXXX for {$98.00} from a business called XXXX. The second charge was placed on XX/XX/XXXX for {$2.00} from a business called XXXX. Neither of these charges were placed by me. I have never heard of this business. Despite reporting these charges on the same day I received notice of these reports on separate days. ( If necessary I can share copies of the confirmation documents for these disputes ). 

In XXXX, I finally received notice of the confirmed unauthorized use of my card from XXXX ( sent out on XX/XX/XXXX ) and the cancellation of said card. In the associated call with XXXX I was told the charges would be canceled and I should use the Citizens card as my new credit card. ( I can also share a copy of this notice if that's helpful ). 

In late XXXX, following the transfer I activated my new Citizens Bank card. Upon using it for coffee in early XXXX, I went online to check my account and I saw an extra {$100.00} in charges. 

I subsequently called Citizens Bank on XX/XX/XXXX to alert them of the issue. I was told the issue would be escalated and I would receive a call back in the next 7 days. 

On XX/XX/XXXX I decided to send Citizens Bank the documents I mentioned above. 

On XX/XX/XXXX, having received no calls back, I followed up about this issue and was informed that the issue was further delayed because " CItizens Bank mail had been returned to them '' so they would need to reissue my card. ( I have no idea how this is possible because so much Citizens Bank mail arrived just fine and they sent the new card to the same address ). 

On XX/XX/XXXX, having still heard nothing, I tweeted about the issue which led to a conversation in direct messages with a Citizens Bank staff member, and I received a message that the issue was " being escalated. '' On XX/XX/XXXX I received a call that the " XXXX 's XXXX '' would begin " researching the issue. '' The fraudulent charges remain on my card and my online account will require payment of these fraudulent charges by XX/XX/XXXX.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act, 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 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 2022-03-31
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (AR)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

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  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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

At the start of 2019 my credit scores reported by Experian and XXXX were both in the range of 810 to 820. As of XX/XX/XXXX, my credit scores are being reported in the range of 670 to 690. As a result I have been denied a loan to cover required home improvement projects. 

The only changes that might have affected my scores are 1 ) my wife died on XX/XX/2019 ; 2 ) XXXX XXXX lowered my credit line from {$16000.00} to {$8000.00} with the explanation that I had not used enough of my credit line in recent months ; and 3 ) a  disputed payment totaling {$420.00} was reported as delinquent without notification to the credit reporting companies that I had disputed the charge, or why. 

Should the death of my wife, or an arbitrary action by XXXX of lowering my credit line ( they have also arbitrarily raised my credit line several times since I have had the account ) or a disputed, unpaid charge for a mere {$420.00} cause my rating to fall to the point I can not now secure a loan? This seems grossly unfair.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is doing a big fraud with me, I am not going to use Capital one card for big transactions anymore. I disputed three transaction 3 months ago, one was the XXXX for {$93.00}, the second one was for {$300.00} the home inspection one and the third one was the {$140.00} one. For several days capital one gave me a credit for all three transactions and now they added it back on my credit card and sent me a letter for two of them, {$93.00} and {$300.00} and said that they are going to reapply the credit on my credit card before the transaction is completed. 

This is a big fraud bank. Why they gave me a credit at the first place if they wanted to reapply it again and that too after so many several months. 

Please see the attached screenshot and a copy of the letter I received from them. 

I am going to return all big purchases on this card and put it on XXXX XXXX who is not a fraud like this bank and is more reliable and doesn't play a vicious circle.
Consumer complaint received 2019-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SECURITY FINANCE CORP (OK)

XXXX keeps calling me after I have told her to stop calling me regarding someone who has used me as a reference. 
. 
I do not have a loan with this company and they keep harassing me after I have repeatedly asked them to stop contacting me. 

This company has called me several times a week since XX/XX/2019.
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

I sent Fidelity Credit Services a certified letter in the mail disputing the account and requesting information of the validity of the account. They never got back to me. The letter was sent on XXXX XXXX. I have the tracking and confirmation of the receipt. The tracking number is USPS XXXX. On XX/XX/2019 Fidelity appeared as a collections on my credit report. I tried calling them in XXXX and told them I was disputing the existence of the account and that I needed proof of the amount owed. They told me they were not going to provide me with anything and that I should contact the original creditor or my credit report would be ruined in XXXX. The amount is {$4800.00}. I do not believe I owe any of the amount. A judgement was never awarded against me. I never authorized any charges and I never opened any account with Fidelity nor the original creditor. The original creditor was my previous landlord. I payed rent every month early and provided him with a 30 day notice upon moving out. The claim is his word against mine. The amount he requested was {$4700.00} for damages. He would not provide any receipts or evidence of the damages he thought was done. I told him I would be more than happy for him to take me to court for that amount and to get a judgement in his favor, but he would not do it. I lived there for 2.5 years and there was minimal damage beyond aging of the dwelling. The original creditor would not provide me with a judgement or appropriate evidence of the amount owed and instead turned it directly over to Fidelity and has refused to respond to me.
Consumer complaint received 2019-05-05
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. (TX)

THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

After filing a complaint via cfpb against Mr. Cooper Mortgage in XX/XX/2019, I was verbally, and in writing, told our initial new mortgage payment would begin XX/XX/2019. However, today, XX/XX/2019 I received via US Mail a statement that reflects the initial mortgage payment listed as XX/XX/2019 ... that's today! 
Below is an extract of their response from the previous " bankruptcy '' complaint I filed in XX/XX/2019. 

" After review, we have confirmed that you did not file for chapter XXXX bankruptcy and will have the bankruptcy information and coding removed from the account. Also note that there will be no negative effect to the credit. The account currently shows as due for XX/XX/2019. " ( Complaint # XXXX ) Sadly, this is the second complaint I find it necessary to file prior to the initial payment with this company.
Consumer complaint received 2019-05-05
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: Thaxton Investment Corporation (AL)

I'm written this complaint because I am a victim of fraud and the company name are Quick credit in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX  they remove the fradulent account but XXXX I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to XXXX I want it remove from my credit report this not my account
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CO)

My credit card from Comenity bank for XXXX was lost or stolen and used without my authorization. They charged up about {$1200.00} in charges. I hadnt used this card in over 2-years. I didnt realize there was even a balance until I received a call from them stating my payment was late. I went online and notified them immediately that this card was fraudulently used. They then denied my claim stating there was No basis to support a claim and provided no additional supporting documents. They then reported my late to the credit Bureaus and negatively affected my credit and refused to fix it even when I called them and filed a dispute with the credit bureaus.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

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 XXXXS.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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-05
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX  XXXX {$580.00} XXXX   XXXX {$660.00} XXXX XXXX {$430.00} XXXX {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Report Act XXXX Account # 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. 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBERXXXX
Consumer complaint received 2019-05-05
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: CITIBANK, N.A. (CA)

Three issues : 1. Online chat showed conversations of MANY other customers ' conversations. The messages clearly demonstrate that other customers are seeing threads that do NOT belong to them. This is a huge legal and compliance issue. 
2. Account is not activated when agent said it was. This is lie and deceit. 
2. Business card accounts can not be registered or managed online. This is a known issue without deadline for resolution. 

Details below : Opened a CitiBusiness AAdvantage Platinum XXXX card in XXXX. 

Two weeks later, finally received card in the mail. 
Same day, I try to activate it online. Keeps saying " information is incorrect. '' A week later, I get text messages AND mail that there was fraudulent activity on my account. 
I call Citi Customer Service three times. Open online chat. 

Citi agent, on the third time, asks : Did you call a week ago? We suspect it's fraudulent call, and may need to close your account. 
After explaining that was me trying to activate the card, he said the card is not yet activated. 

I was then transferred to a rude agent, who was not trying to help at all. 
I have spent over an hour with a large Financial institution, and during this whole time, have not been able to use the card for a single transaction. 

After being transferred again, the Citi XXXX XXXX team tells me that it is a known issue that business customers can not register the card online nor manage it. There is no time for resolution.