davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I tried to login to Experian and gave my social security # and numeric digit of my address. The username I thought I had used did not work, so I requested an email of my username and what I was emailed to my email was : XXXX I did not recognize the email address being used as my username and it is not my email. It appears that someone set up account information using my social security # and name, and so I can not get into change since I do not know the security question and PIN that was set up using my information. I tried calling Experian but was not led anywhere where I could resolve this problem using there phone system- only forwarded to other irrelevant recordings.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sequoia Financial Services (CA)

I have been trying to open a bank account and have been un able to do so due to my credit report in were I have documentation showing that I am been billed and in were my credit is being effected due to 3 bills from the XXXX XXXX XXXX since XXXX and this is not my debt what so ever and I am requesting to please remove this from my credit file the name of this collector is Sequoia Financial Services it is located in XXXX XXXX, CA and I have already made 3 attempts to get this removed and was not successful due to the very rude collectors that said that they had to be paid in full I tried explaining that these debts were not mine and that they had been effecting my credit since XXXX and that this was a act of illegal and unfair credit reporting
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

First lets start off with me disputing this account with the credit bureaus. Time after time Phoenix Financial verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Phoenix Financial. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

While in the process of purchasing an airline ticket on XXXX XXXX, an offer from Citibank appeared stating that I could apply instantly for a AA Rewards card with a {$250.00} credit and 40,000 rewards miles. It stated, " Don't worry, you will be able to continue your ticket purchase using the new card. '' In reality, a week went by before I was phoned and given approval and told that I could not use the card until I received it by mail in two weeks. I contacted customer service and asked if they could a ) provide the number and expiration date so I could use the card b ) allow me to temporarily purchase the ticket with my other Citibank card and then switch the payment or c ) expedite my receiving the card by sending it overnight. I was advised that no one knows my card number or can convey it to me, and no expedited mailing is possible. The ticket I planned to purchase will increase in price if I wait two weeks to buy it. Citibank offered no resolution after I suggested the solutions I would have accepted as a resolution to this.
Consumer complaint received 2019-08-04
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. (IL)

To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this fraud.
Consumer complaint received 2019-08-04
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: HYUNDAI CAPITAL AMERICA (NY)

Kia motor finance Corp is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from Kia as well showing on my reports. Ive had 3 leases with Kia and the only current correct one is may of 2019 for {$21000.00} having 3 Kia accounts reporting balances increases my debt which is wrong.
Consumer complaint received 2019-08-04
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. (SC)

I have sent both XXXX/Equifax a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent Midland Credit management a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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!
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

I was declined for credit due to a freeze I had placed on my credit last year. 
Using Experian 's website I attempted to remove the freeze in order for the creditor to access my credit history. For more than 10 days the website states : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. 
XXXX Mon - Fri : XXXX - XXXX '' I have sent a letter to Experian asking them to contact me regarding this issue with no response. I'm sending a second letter today XX/XX//2020 requesting the same.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (DE)

I was notified that a credit card account was opened under my name. I immediately contacted Wells Fargo and was told they would do an investigation. Over a month has gone by and my credit report is still reporting an open account from an address I do not recognize. Wells Fargo has sent me a regular card statement but has not contacted me to give me an update and has not told me whether the card is closed. I am concerned this is on my credit reports and that it may be used for fraudulent purposes
Consumer complaint received 2020-02-14
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I am existing customer with Bank of America. I called and asked if they could give me 0 % balance transfer from a XXXX Card. They said I would need to apply for a new card. I did and was approved for Card # 2 for  {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30 points, and if I had a problem I should contact XXXX. XXXX only has automated calls with 2 options : get a report or get a score. I called BOA back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Opened the Citi Thank You Premier credit card in XXXX under a promotional offer which offers 60,000 points upon account opening and spending {$4000.00} in 3 months. Chatted with agents online but were given false info on my spend amount and how much more I needed by what date. I called in late XXXX XXXX and talked to a supervisor and he agreed that it's Citi 's fault in providing lackluster customer service that I have met all the requirement for the bonus, but since the promotion date has lapse, he'd have to open a ticket to get an approval to credit me the points. Fast forward 2.5months, I called about 3-4 times and chatted online 2-3 times and still no resolution. I'm tired being lied to and wish Citi can just do the right thing.
Consumer complaint received 2020-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for A Capital One for myself and my son ; I'm his XXXX. I was approved for {$1000.00} & my son was approved for {$3000.00}. Since ; he did not have debts in his credit reporting. On XX/XX/20 I called Capital One and verified the promotional date for charges with no interest until XXXX. XXXX verified that my promo expiration date is XXXX. I verified again on XX/XX/20 at XXXX XXXX with XXXX for promo expiration date and said it was XXXX. At XXXX I emailed officials but received no response. Capital initially issued a Capital One Platinum Master card. But then, without our request, Capital One reissued a Capital One and changed it to QuickSilver Master Card in the name of my son, XXXX XXXX. I'm his XXXX, have XXXX XXXX XXXX and his payee. His current XXXX Statement Interest charge was billed for {$39.00}. No interest was charged in XXXX When we were in the middle of purchasing a house ; I was trying to get him credit to qualify us for a house purchase in which we moved into 3 months ago.

I know he's in a promotional no interest plan until XXXX like I am with my QuickSilver Visa in the name if XXXX XXXX . I'm still on a promotion period and I applied for them at the same time. They need to honor their promotion for him ; just because they reissued and rename his card does not mean they should terminate the promotion without notice.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MD)

Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (MN)

Received a collection letter from   XXXX   XXXX   stating I owe  XXXX   XXXX  a balance of {$1200.00}. I only have  XXXX  accounts with   XXXX    XXXX  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have done business with ace cash express in the past and was able to pay the loan/s off. So this time around I ended up needing to take out another loan with ace cash express I Bel it was like last year. And because I was having trouble making ends meat at that time, I haven't been able to pay them back this time. My plan is to pay it back. Well today our of snow I receive an agressive call by a unknown number in XXXX. He stated that I was going to be sued and that my case was redflagged and that they were getting ready to take me to court and that if I didn't make a payment they were going to continue with the he summons. I am so scared right now that I cried. And am still shaking. He gave a case # XXXX and to call this attorney at XXXX to stop the civil suit against me and to ask for a " Stop order on case '' .And he said, I had two case 's that were so serious and had been filed against me that I was en serious trouble. So I called that number and the man said he was an attorney and I gave him my information and he threatened me that if I didn't make a payment here soon, I was going to jail. He said, I owed ace {$1800.00} and I gave him my bank information and my card number. And he forced me to make XXXX $ payments every two weeks, in which I don't have. I hung up. I looked online and there was my account open and unpaid in the amount of {$1700.00}. He said I have to make 6 1/2 payments. If I did not comply they would severe me and I would go to jail. I am really scared right now. My XXXX XXXX flew off the roof. I have never been threatened before.
Consumer complaint received 2021-11-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I requested a payoff amount for my home mortgage loan and when I called Wells Fargo on XXXX XXXX to check on the status of my recorded request, I was informed that they do not have it and to submit another request for your payoff amount. I informed the supervisor on duty that your company is in violation of 15 US code 1639g and to correct the issue. The supervisor was unable to correct it but instead informed me that they will escalate it and make a complaint on my behalf to management.
Consumer complaint received 2021-11-16
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. (DE)

Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.
Consumer complaint received 2019-08-04
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. (NY)

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My first child was born in XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX   REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-01-13
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.