davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (GA)

I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.
Consumer complaint received 2023-03-22
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. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXXI Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.
Consumer complaint received 2018-11-08
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. (AZ)

I currently have 16 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 16 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that a

re 1. FIRM LINE OF CREDIT * ( result of open account only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inq
uiries should not be reporting on my Credit Report.
Consumer complaint received 2022-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (CA)

I have dealt with this company for quite some time over at least the last year or more. Their website clearly states that we have the right to pay off loans early with no penalties. I paid off two or three loans I had off early as per their website. However, when I took out this last loan, I believe I was penalized because of my great paying history and my ability to pay my loans off early. In the past, the very same loan amounts, I would pay around or near {$160.00} per paycheck. However, when I took this most recent loan amount out, my biweekly payment was {$410.00} per paycheck for nearly the same loan amount in which I was paying {$820.00} per month since XX/XX/XXXX. I just looked at my loan balance and it clearly shows my balance as {$410.00} but I am unable to obtain a payoff amount and the payment schedule shows that the loan does not pay off until XX/XX/XXXX. I emailed the company today, called twice in XX/XX/XXXX in which they decreased my payment amount from {$460.00} to {$300.00} per pay period. I also called in XXXX and was told there was nothing that they could do.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

Trident Asset Management is saying I owe XXXX since XX/XX/2015. They refuse to acknowledge the fraudulent account and speaking to them gets no where. I am at my wits end and about to hire a attorney to send them a letter proving its not my account as its off 2 credit agencies already.
Consumer complaint received 2022-06-18
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: NRA Group, LLC (PA)

In accordance with the fair credit Reporting Act # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is my account.
Consumer complaint received 2018-11-06
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)

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX. closed accounts # XXXX, and XXXX. A request to deleted these accounts was submitted to the three major consumer reporting agencies during the next reporting. However, these accounts which were deemed as fraudulently open are still reporting on my credit file. In spite of that, you have also exceed the 30 day period to credit agencies to investigate disputes additional were given to resolve this matter. Your company as well as XXXX both received a notarized copy of an identity-theft report and identity affidavit. Further collections were terminate then deleted without coincidence with XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages of these accounts are not deleted. Please be advise that this is also a prominent offense of defamation whereas misrepresenting my name with debtors I am not associate with. You have 15 days to deleted this accounts otherwise there shall be legal action taken. 

Thank you..
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX, specifically XXXX, XXXX or XXXX has been calling my work, my sister-in-law 's business looking for me. I am making payments on time. I have spoken to them and told them not to call me at work. Yet they continue.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/18 someone used my social security number, DOB,  and potentially other information to get a PIN for my Capital One 360 online savings account, where the person changed my password. Luckily, I noticed the password change notification and put a hold on my accounts. Based on the information the Capital One security team provided to me, the perpetrator was most likely my soon-to-be-ex wife, who has no legal right to that account or the funds in that account. 

Capital One claims that they have two factor authentication in place to prevent this type of attack from occurring. However, the perpetrator was able to use their own phone number for the second factor - a phone number that has never been registered with Capital One or associated with me in any way that I know about. 

Upon further discussions with the Capital One security team, I discovered that they will consult a 3rd party database to determine if a phone number is associated with an identity rather than the information provided by the customer. So, apparently the perpetrator has signed up for some other account or service somewhere using their phone number and my information. This was enough for Capital One to use that phone number as the second factor of authentication. Meaning, the attacker can use the first factor ( information about me ) to generate the second factor ( a trusted phone number ) at will. So, they do not use two factor authentication as claimed. 

There is no way to disable this 3rd party database check, so I have no way to protect my accounts going forward. It's already proven the person in question has all of my information ( which could happen in domestic cases like this, data breach cases, etc. ) and that is sufficient to bypass all of Capital One 's security ( which is what true 2 factor auth is intended to prevent ). 

Due to this, my account and funds have been on hold since that time. I have made repeated explanations to their security team how this is a major security hole as it effectively makes their two factor auth single factor auth. The reps I have spoken with claim that their superiors don't see this as an issue, and that I'd probably get more traction if I had actually let the perpetrator steal funds from my account rather than preventing the theft. 

So, effectively Capital One is stating that they do not have the ability and/or desire to protect its customers from fraud due to security holes in their system.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AL)

The collection company in question, DIVERSIFIED CONSULTANT, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$830.00}. The open date listed on my XXXX  credit report is XX/XX/XXXX which is incorrect. I was living and working abroad in XXXX XXXX during this time and the XXXX network is not even available in this country. I have a job offer letter to that proves this timeframe. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XXXX, XXXX, XXXX. I had the same issue with this account being listed on my XXXX credit file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
Consumer complaint received 2018-11-08
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: AMERICAN EXPRESS COMPANY (CA)

With my Business Platinum Credit Card through American Express I am promised a XXXX to XXXX ( XXXX per point ) value per point with my selected airline. After that I am also supposed to get 35 % of my points back on with flights booked thorough my selected airline. My selected airline is XXXX. XXXX XXXX does not allow amex travel to book directly with them. Because of that I am required to book directly with XXXX wait for the payment to post- then call AMEX to get the point adjustment. I have done this many times previously, I have had the card for almost two years now. This time an American Express representative is trying to keep my points and not give my 35 % points back.
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

Our credit card was hacked after paying someone through PayPal. Our bank cancelled our card, but I just received a letter from PayPal Credit advising me of a newly opened account. I did not open this account and a phony email address is listed for me.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called Wells Fargo and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called Wells Fargo, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DISCOVER BANK (IL)

I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

On XX/XX/2018 I sent a letter asking for validation of an alleged debt to a collections agency, XXXX XXXX in XXXX Oklahoma. On XX/XX/2018 I received an itemized bill and a photocopy of a lease with XXXX XXXX through XXXX XXXX. They did not send anything else validating this alleged debt owed to them as requested in the validation letter originally sent to them. In the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. I never had contract with this collection company and they sent me an invalid contract.
Consumer complaint received 2022-07-11
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. (FL)

There is a fraudulent charge on my account from XXXX XXXX for the amount of XXXX the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. 
Please remove this from my accounts immediately
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND ALL CREDIT BUREAUS.
Consumer complaint received 2022-02-23
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. (IL)

XXXX XXXXXXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. 

I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last night I went in XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX Someone stole my phone and was able to access to my wallet and stole my money ( he XXXX himself 2000 $ ) and is using my cards to make purchases also. 
I need help ASAP I am not able to access any of my cards and accounts to block them
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MA)

My personal information was comprised several times in the last few years ( XXXX, XXXX, XXXX XXXX, etc. ) so I tried contacting Sagestream LLC to have them freeze my credit report. I have faxed the required documents listed on their website, https : //www.sagestreamllc.comXXXX, multiple times plus, mailed those same documents to Sagestream LLC 's address, called about 30 times, never any answer. I have left multiple voicemails with my name, contact number and why I was contacting them and Sagestream LLC has NOT responded to any of my request or correspondence. It's been over a month now and Sagestream LLC has not contacted me or frozen my credit file, which they are required to do by law.
Consumer complaint received 2018-11-08
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: Protocol Recovery Service, Inc. (FL)

Profilo recovery XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close