davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC (MO)

COMPLAINT XXXX XXXX has violated several rules of The Fair Debt Collection Practices Act : They called me numerous times daily, leaving messages and then to immediately turn around and call 2 of my family members leaving personal information with them including who they were. I spoke to them around XX/XX/XXXX asking them not to call anyone but me after that they called my sister ( s ) leaving a message as to whom they were.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX DE XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX not mine PUBLIC FILINGS XXXX DIST CT XXXX not mine
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank has reported to the credit bureaus erroneous missed payments and payment amounts prior to contacting me. In fact, they have ruined my credit by submitting late payments multiple time during each month, whereby I have received notification from XXXX  and XXXX XXXX, that a late or non payment has been reported. They have done this in access of over 6 months. Additionally, due to this false and erroneous information, they have caused my line of credit to decrease from other creditors where my payment history is flawless. SB also have tacked on a ridiculous, and I am sure unlawful, interest amount. When I purchased furniture from XXXX XXXX for my new home, I took out a line of credit which was only {$1000.00}. I paid cash at the same time. I have been paying on this line of credit since 2017 and the total balance they are now trying to collect from me is {$1800.00}. Also, they are sending threatening letters to me and saying they have tried to contact me. I have received NO calls from this creditor. Second, SB reported to the bureaus I was late and thereafter sent me notification 2 months the later- after they ruined my credit and they continue to do so each month. At this point, because they have violated FCRA rules I am NOT submitting any payments to them. Each month they report 2 late payments. For example, on my XXXX  report it shows, non payment for XX/XX/XXXX and then they reported it again on XX/XX/XXXX. SB did this for about 3 months before I was even aware they were reporting this false information. They have been reporting this information like I said earlier without my knowledge or communicating to me first.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

The vehicle was taken from me and auctioned. I tried to negotiate retention of the vehicle but was denied reestablishment. Later on the account was closed and still reflected a balance owed when it should reflect a balance of XXXX dollars amount. I should not be paying for a vehicle that no longer is in my possession that is fraud.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX 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 personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 
Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-02
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. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2020-12-23
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)

on XXXX XXXX i send a method of validation letter to Equifax LLC ( credit bureaus ) in regards to a dispute i sent about the inquires on my credit file, they return implying that the inquires have not been reporting on there file but it has been under the fair credit reporting act and the cfpb i have the right to address this inaccurate information that has been placed on my file. I've received 3 notices of completion that my disputes has bee fixed updated and clearly nothing has changed, the confirmation i received are:XXXX XXXX XXXX ..i have asked them for any documents with my signature pertaining to these unverifiable, unauthorized, inaccurate information that has been placed on my file. There practices under cfpb is not in compliant with the law.
Consumer complaint received 2022-10-26
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: BARCLAYS BANK DELAWARE (FL)

I check my credit report every day and I checked my report on XX/XX/XXXX to find out XXXX  XXXX and Barclays bank has added 3 inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for XXXX  XXXX or Barclays bank and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (IL)

I opened an account ( credit card ) with CB Indigo on XX/XX/XXXX. My credit report is reflecting late payments for XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior to XXXX and following XXXX all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I applied for a Macys credit card. The cashier Open a credit card for me and print out double receipt give XXXX to her friend and want to me. then I started receiving message that somebody is using my credit card. I filed a credit card complain but not took care of the right way.
Consumer complaint received 2021-02-15
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 (RI)

Attempted to cancel a trip for XXXX 2020 in XXXX XXXX. Due to pandemic and travel restrictions, we were not able to leave USA. XXXX XXXX  XXXX took the deposit of {$2300.00} in XX/XX/2020 for a trip in XX/XX/2020, and refused to refund stating the stay was non refundable. after sending emails for a couple weeks, XXXX XXXX XXXX eventually stoped answering emails after the US banned travel to the XXXX. Credit card company ( capital one ) says that because they did not confirm our cancellation, I can not be refunded. I send all of the email correspondence to capital one but they were no help on the matter.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (MO)

I disputed an unverified public record on my credit report multiple times over the past 4 months. The credit bureau claimed to have verified the public record with the court each time. Ive reached out to the court to regarding the verification of the public record that allegedly belongs to me. The court responded by saying that they do not report anything to the credit bureaus. Therefore the credit bureau must not be telling the truth about verifying the public record with the court. I have attached the courts response to this complaint. I sent the courts response to the credit bureau asking for them to immediately remove the unverified public record. However they refuse to.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

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 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name is XXXX 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 2023-08-02
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. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-02
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. (KY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-15
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: CITIBANK, N.A. ()

There were 3 x fraudulent transactions on my credit card. On XXXX XX/XX/2015 there were two amounts of XXXXaed taken from my Citi bak credit card. I have raised this fraudulent activity with the bank and they have not conducted investigations or refunded the money to me. I suspect these are fraudulent transactions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX  XXXX, LA, XXXX XX/XX/XXXX XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and any other information that is not verified by proof of ID. Thank you for your time, XXXX XXXX
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.
Consumer complaint received 2021-02-18
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: Navient Solutions, LLC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Navient. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Number is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-04-15
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: WELLS FARGO & COMPANY (TN)

Wells Fargo pulled my credit THREE times for the same credit card application. I only authorized the first hard pull and expressly declined permission for any further hard inquiries. 

On XX/XX/2018, I applied for a Wells Fargo credit card with a credit inquiry that was authorized. Wells Fargo misread my XXXX credit report and declined me for being deceased! ( XXXX has verified I was NEVER erroneously listed as deceased ). When I called Wells Fargo 's reconsideration phone line to have the error corrected, they promised the report would be reconsidered and correctly read WITHOUT a duplicate hard inquiry. This promise was not honored. Despite the fact I did NOT give permission for another inquiry, only to re-read the existing report to verify it had been misread, Wells Fargo entered a second inquiry on XX/XX/2018. I then visited a branch to have the duplicate inquiry removed, which the bankers promised to do and they called a corporate office on speaker phone and I heard them request correction. Instead, a THIRD inquiry, unauthorized, appeared on my XXXX credit report on XX/XX/2018. 

I have TWICE sent a formal letter in writing to XXXX demanding correction. The company has failed to respond.
Consumer complaint received 2023-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Credit Corporation (MI)

Applied for credit card with www.Avant.com website showed annual fee of XXXX dollars. After pulling my credit and giving me a hard inquiry approved me but with a XXXX dollar annual fee. Not that big of deal but when I contacted support through email they directed me to the 1800 support and after contacting them they just kept repeating that my annual fee is XXXX dollars regardless of what their website showed. Contacted email support again to tell them the issue was not resolved and was once again directed to 1800 support to be told again that the website saying it's XXXX dollars is not relevant to my XXXX dollar fee. This seems like false advertising to me as the only time XXXX dollars was shown to me was after I gave approval for the hard pull on my credit.
Consumer complaint received 2022-09-09
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!