davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I declare under penalty of perjury ( under the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX is on my two other credit reports as charge off which is XXXX   and a Equifax. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys Equifax and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX   balance on Equifax and XXXX report because it hurting me and this all happen due to someone fraudulent information on my report
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

capital one bank, XXXX XXXX XXXX, ut. took over my XXXX  credit card some time ago. i recently requested a line increase on XX/XX/XXXX. i applied online and also over the phone, but it was a robot and not a real person. subsequently they turned down my request and the reg b form say it was because " credit line increases are not available at this time upon request for this type of account. '' they invite me to go thru creditwise to help me with my problems. XXXX   shows me with a credit score of XXXX, and on-time payments of 100 %.

of course when i get to a real customer service representative they give me the runaround that i should check my credit score and delinquency and also end up saying that the computer makes the decision and they have no control over it.

i believe the reason to turn me down is in violation of reg b, and if the reason is true it means they havent raised the cr. limit on any credit cards which is hard to believe
Consumer complaint received 2018-03-24
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: Navient Solutions, LLC. (MD)

Several attempts have been made since XX/XX/XXXX by contacting Navient by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. Navient has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with Dept of Education/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to Navient until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for Navient to work along with Dept of Education ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have recently been a victim of fraud and have place security freezes and fraud alerts on all my credit reports. Listed below are accounts that I did not approve the following for my credit to be ran. Please review and delete this information from my Transunion credit report. I have reached out to them several time via phone, fax, and email and have not received any response. This is causing me a lot of pain and suffering. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, A PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2019-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Ihavesent3disputeletterstobothXXXXXXXX,XXXX,Capitaloneand3creditbureausinregardstofailuretoverifymyaccount.TheyhavecontinuednottoprovidemecopyofANYoriginaldocumentation(aconsumercontractwithmysignatureonit)asrequiredunderSection609(a)(1)(A)&Section611(a)(1)(A).Furthermore,theyhavefailedtoprovidethemethodofverificationasrequiredunderSection611(a)(7).PleasebeadvisedthatunderSection611(5)(A)oftheFCRAyouarerequiredtopromptlyDELETEallinformationwhichcannotbeverified.Theycontinuetosendmetoaccountstatementswhichisnotaproperformofverificationofdebt.
Consumer complaint received 2021-02-20
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)

I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.
Consumer complaint received 2018-03-24
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: SYNCHRONY FINANCIAL (VA)

This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have disputed a particular account with Equifax on several occasions. The final results were always that Equifax has verified the account as accurate. The account in question is listed on my Equifax File as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Ohio XXXX ; Account number XXXX. 
I contacted this particular company via XXXX certified mail requested validation of this account pursuant the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company failed to respond to my request and I submitted a claim through the Consumer Financial Protection Bureau ( Case # XXXX ) and the CFPB were unable to contact the company to receive validation either ; the contact number listed on my equifax report is invalid and will not work. I received an email from CFPB regarding this company that I filed a claim against and spoke with XXXX who confirmed that the CFPB were unable to contact this collection agency with the number that is listed on my Equifax Credit report ( XXXX ) ; I spoke with her on XXXX/XXXX/2015 at XXXX. 
Being that I was unable to receive validation as I requested and the number listed on my Equifax Report for this company is no longer in service, I would like to know what verification did Equifax receive to determine from their investigation that this account and the information being reported about this account is accurate. I have disputed this information several times with Equifax and each time they determined that this account was verified and validated and it is accurate. Per the Fair credit reporting act and the Fair Debt Collection Practices Act, by law I am entitled to receive validation regarding this debt. Also by law, when Equifax investigate a dispute, they are suppose to receive competent evidence to verify/validate the accounts instead of assuming that it is accurate. This account is not accurate by no means, matter of fact it is listed under XXXX different names on my file with the same contact information. Again, I need to see exactly what documentation Equifax received to determine this information was accurate since they did a fair investigation.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did equifax allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I had a fraud transaction on my checking account where money was wired out by an unknown party. This occurred XX/XX/22 and I am still trying to resolve this with the bank. The bank indicated that they deny my request to get the money because I released information about my account. They indicated that I verbally approved this transfer. I just found out that the voice the bank had was not mine. They also said that I provided them with personal information which was not the case. I am trying to get a written transcript of the conversation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MD)

15 USC 6801. It reads " It is the policy of the Congress that each financial institution has an affirmation and continuing obligation to respect the privacy of its customers and protect the confidentiality of those customers non public personal information ''. Citi Bank cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are all financial institutions under that title. 15 USC 1681 section 604a section states " In general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER! : " In accordance with the written instructions of the consumer to whom it relates '' Any and all consent given to ; Citi Bank CBNA, XXXXXXXX XXXX XXXX XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXXXXXX, XXXX and XXXX whether it verbal, non verbal, written, implied or otherwise is hereby REVOKED! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that non disclosure option ''. Citi Bank CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX never informed me of my right to exercise my own disclosure option. Furthermore, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' These accounts adverse items reporting without my permission that is against the law w. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

Additionally, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc. (AZ)

I have sent up to 3 dispute letters to XXXX XXXX XXXX and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit company and continue to call and harass me.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A card was proactively cancelled and a new card was issued XX/XX/XXXX. A charge was applied with that card which was proactively cancelled on XX/XX/XXXX. Capitol one was not able to provide a phone number or any information to me on the creditor. I spoke with someone on XX/XX/XXXX. Instead of allowing me to dispute the charge again my new card has been restricted. I am being penalized again for something I had nothing to do with. I would like to have my current card remain active without being inconvenienced to cancel that card. Since that card was not the card utilized for the fraudulent charge i see no reason to cancel the card. The Capital One is incompetent and has no regards for customer goodwill. I am being treated as if my business means nothing to them. I want the {$500.00} charged removed, without cancelling my card that was not used for the charge, and I want to have my current card not be restricted. I keep being humiliated with my card being restricted as I attempt to make a purchase. I have been a customer of Capital One since XX/XX/XXXX and I have always paid off the balance in full each month.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2024-02-22
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. (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I was contacted by someone, unbeknownst to me at the time, that was impersonating Chase and called from a spoofed Chase number. They explained they were calling about a debit charge in the amount of {$96.00} made in Utah. I saw the charge on my account and confirmed this was fraudulent. They went on to explain that someone had also attempted to make 4 different wire transfers to 4 different XXXX XXXX accounts, 3 of which went through. I confirmed that was also not me and they proceeded to walk me through the process of stopping the wires, when in actuality they were authorizing them. Two wires in the amount of $ XXXX and $ XXXX were sent out on XX/XX/XXXX and a third in the amount of $ XXXX went out on XXXX. On XXXX, I realized I had been speaking to people impersonating Chase and immediately went to a branch to have the account closed and the funds recalled. The Chase claims department is implying that authorized and/or received benefit from the wires, which is inaccurate. As Chase is aware, the transactions were fraudulent and we acted with urgency to alert Chase to the matter and their failure to act quickly to precent further fraudulent activity further contributed to the losses. In addition, it is over 2 weeks since the fraudulent transactions have occurred and Chase has failed to provide updated status of recalled transactions. In addition, the Chase claims team and wire transfer teams have provided conflicting updates during my daily calls. Just yesterday, I received an update on one of the fraudulent wire transfers for $ XXXX that was posted to my replacement account despite my repeated requests to halt the transaction that was originated on the original, now restricted account. I have also been advised several times that a Hold Harmless letter was required by the beneficiary bank XXXX XXXX to return the funds to my account which Chase has failed to act upon. I have been told by Chase claims supervisor that the letter is standard and that they were not sure why it wasnt sent. As of today, XX/XX/XXXX, there is still no update on 2 wires totaling $ XXXX. This is extremely disappointing and is further evidence of Chase negligence that contributed to any losses I may incur.