davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (ID)

Ive been in bankruptcy since XX/XX/XXXX. My lawyer, XXXX XXXX XXXX, sent out a letter of proof on XX/XX/XXXX to XXXX. They still are showing my XXXX account as open and active in their er site as well as my XXXX credit report and possibly XXXX and XXXX. I know for sure in XXXX. Its illegal to keep open my XXXX account after Ive filed for bankruptcy. And when I call XXXX Im automatically transferred to collections where they ask for payment. Its illegal to do this after I filed for bankruptcy which I did on XX/XX/XXXX. Please cease and desist attempts to collect money when I call in and am transferred to collections. Please contact XXXX and change my account from open status to closed due to bankruptcy. Also close my account number XXXX. Stop showing Im in past due status on XXXX website. Im in bankruptcy. Its illegal.
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (FL)

On XX/XX/20 I was notified by an attorney soliciting my business, that I was being sued by Zwicker & Associates in the amount of {$19000.00}. I researched and found this online and to my surprise, found this to be true. I called their office on XX/XX/20 to attempt to validate the debt and understand why I didnt receive any mail. The representative told me that they had the wrong address. On the court document they have an address listed from 3 years ago. They made no attempt to locate my correct address and I never received any mail from them regarding this supposed debt, so I had no opportunity to validate.
Consumer complaint received 2023-05-19
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. (TN)

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, XXXX, Equifax. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.
Consumer complaint received 2022-08-17
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 (TX)

Capital One has made false statements regarding this claim. They have provided conflicting and misleading information. 

The purchase concerning XXXX XXXX XXXXXXXX They advised me they never paid the merchant for the charge. Now they are stating they did pay the merchant for the charge. 

The merchant XXXX is requesting I pay them $ {$3100.00} as well. 

Capital One has spoken to me about this matter several times and the calls need to be pulled I was advised the chargeback was from me spending the funds on transactions. Now in this statement capital is claiming it's a chargeback from the account with the XXXX charge. 

Capital one needs to remove this debt from my account due to the information that was provided by several of the representatives. Sending a statement that they corrected internally is not the fix to this. They record all calls and I'm demanding those call transcripts are provided and should reflect the very statement they send in response to my dispute.
Consumer complaint received 2022-11-19
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. (OR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX
Consumer complaint received 2018-11-10
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (PA)

This complaint involves Reliant Capital Soutions LLC and  the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was. 

When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt. 

I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.
Consumer complaint received 2018-11-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (PA)

XXXX online college scammed me out of student loans and Pell grants I never received and now being charged {$300.00}. The account was removed from my credit report and then put back on my credit report all within a couple months time.
Consumer complaint received 2018-11-10
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 have written to all major credit reporting agencies ( Transunion, XXXX, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Consumer complaint received 2018-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/2018 capital one sent emails stating false acussations regarding an invitation to an auto loan.I was told that applying would not have an impact on my credit.In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

XXXX XXXX XXXX has sent my account to collection company while The full Patient share has been paid. XXXX XXXX  is forcing me and pushing me under pressure by collection company to pay the insurance share due to the fact their claim process was not done right and insurance just paid for an alternate.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
Consumer complaint received 2018-11-10
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: CITIBANK, N.A. (AZ)

In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Consumer complaint received 2018-03-09
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: JPMORGAN CHASE & CO. (CA)

CHASE XXXX Account # XXXX IS PASSED THE SEVEN YEAR MARK ON MY CREDIT AND IS NEGATIVELY AFFECTING MY CREDIT SCORE! 
THIS ACCOUNT HAS BEEN CLOSED FOR OVER SEVEN PLUS YEARS AND IT NEEDS TO BE DELETED AS PER ( THE FCRA ) THIS IS CAUSING ME FINANCIAL HARM! 
PLEAE HAVE THIS DELETED FROM ALL THREE CREDIT AGENCIES. 

THANK YOU VERY MUCH
Consumer complaint received 2022-12-27
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. (GA)

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made 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. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2018-11-10
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: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-06-25
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: CREDIT ACCEPTANCE CORPORATION (NY)

the following accounts that appear in my report were not authorized, they do not belong to me, please review them Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CREDITACPT Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-15
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: JPMORGAN CHASE & CO. (GA)

i, XXXX XXXX have never applied for credit application or any inquiry with JPMCB. JPMCB is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, consumer report on date XX/XX/2022
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I did a thorough investigation on my credit report and seeing and seen Experian was reporting in accurate addresses listed on my personal information. I called to dispute the information that wasnt accurate on my credit report such as the three addresses that I have never seen and I asked for Experian to remove them I send a dispute letter by mail with a copy of my ID, social Security card my insurance card to verify in result the issue wasnt resolved
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (GA)

The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I called Wells Fargo to resolve the issue with my bank regarding the amount of XXXX dollars. {$28.00} & XXXX dollars. Wells Fargo refused to give my money back and made inappropriate statements to my checking account one dispute agent stated I should utilize my money better and not towards XXXX XXXX. As a customer of Wells Fargo its not her right to discuss and manage my finances. I find the discussion to be inappropriate. Secondly, she made false accusations and speculations stating is there inappropriate behavior on my checking account that she needs to report. She has no rights to make speculations claims to discredit the Wells Fargo customer and shes held liable for those statements she misrepresented the integrity of Wells Fargo and customers. I have proof and evidence I tried to resolve the matter with XXXX XXXX. XXXX XXXX refused to give my money back and I have followed the necessary steps which is going to the restaurant to speak to them and XXXX XXXX. They both refused to give my money back.
Consumer complaint received 2018-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

EQUIFAX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED EQUIFAX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. XXXX XXXX HAS ASKED FOR EQUIFAX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.XXXX XXXX REQUESTED THE REMOVAL IN XX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.