davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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 (WA)

XX/XX/XXXX, I called Capital One to dispute 7 charges made to my account. 
The call took 4 hours and when I login to my Capital One account, it shows that the charged were contested, then IMMEDIATELY added back to my account. I was frustrated and the agent helping me simply said " I'm done '' and hung up the phone. However, it was clear that we were not done.

This is now the second time that Capital One has refused me the legal underwriting right, in my contract, allowing me to make disputes. Capital One is breaking contract and illegally charging me for contested items. They are not making the proper inquiries with the seller and now they are charging me instead.

They know they are in the wrong because once they called and tried to offer me {$100.00} to drop this case. I declined and it's funny because there is no recollection of that call ever having taken place at Capital One ...
Consumer complaint received 2021-07-17
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. (PA)

To whom it may Concern, I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc. (WA)

On XX/XX/2023, I noticed an unauthorized withdrawal of {$9.00} on my bank account to Self Lender, Inc. I have never heard of this company and have never accessed this company 's website and/or used this service. I then checked my credit reports and noticed a fraudulent account had been opened on XX/XX/2023 using my information in the amount of {$520.00}. The account showed as a personal loan with SBNASELFLNDR on my XXXX credit report, an installment loan with XXXX XXXX  on my XXXX credit report, and an installment loan with XXXX XXXX Self Lender on my XXXX credit report. I attempted to contact XXXX XXXX and was only able to get the automated message telling me to email XXXX and XXXX for issues related to fraudulent accounts and credit report issues. On XX/XX/2023, I emailed Self Lender letting them know about the issues outlined above and requesting urgent attention and a response. On XX/XX/2023, I attempted to call the bank ( XXXX XXXX  ) and spoke to an employee there who told me the only people who could help are representatives from Self Lender, and was again directed to contact Self Lender. On XX/XX/2023, I again emailed Self Lender requesting a response and urgent action. I had still not heard back from my original email. On XX/XX/2023, I emailed Self Lender again and attached a copy of the identity theft police report and FTC reports and requested urgent attention and action. I did not receive a response. On XX/XX/XXXX, I again emailed Self Lender and requested urgent action and attention. I have still not received any response and/or communication from XXXX XXXX. The fraudulent account opened in my name caused my credit score to drop at least XXXX points. Clearly, I am a victim of identity theft and I am extremely upset that this issue has not been immediately addressed and rectified.
Consumer complaint received 2020-07-23
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. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

XXXX. BANK XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$250.00}
Consumer complaint received 2018-03-01
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. (FL)

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Despite having the correct credentials ( I use a password manager ), when attempting to unfreeze my credit report at my.equifax.com, I'm greeted with a page that says " We are temporarily unable to complete this request. Please try again later. '' This has been going on for the last 45 days. Attempts to contact Equifax
directly have failed. There have been instances where I've miraculously gotten in touch with an actual human and they've actually hung up on me within 15 seconds.
Consumer complaint received 2022-08-17
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 (MN)

In late XX/XX/2022, my friend referred me for American Express XXXX XXXX XXXX credit card and I was offered with a welcome bonus of XXXX XXXX ( my friend witnessed it ) if I can spend {$3000.00} in 3 months. However I still have not received the welcome bonus after I have spent more than {$3000.00} in 3 months. My friend has already received the referral bonus. 

I chatted with American Express Customer Services via the chat portal couple of times and they gave me conflicting responses ( can share screenshot if needed ). 
" Thank you for sharing this with me, let me quickly check it for you. The offer was - Card Members who apply through this offer and are approved for the XXXX XXXX XXXX American Express XXXX can earn XXXX Bonus miles after spending {$3000.00} or more in eligible purchases are made on the Card within the first 3 months of Card Membership. '' and then they told me my welcome offer was declined. They opened a case to investigate this and told me to wait for 6-8 weeks. 
After 6 weeks of waiting, I checked in with them and they told me 'After the review. Our specialist has advised that the Welcome offer was removed from your account and there is also a note here that the welcome bonus is declined. 
I do know that you have been offered the welcome offer once you have opened the account. ' They stated that I was offered with a welcome bonus then declined the offer without notifying me. I never receive any email or other notification tool that the welcome bonus was declined. When I applied for the card, my friend was with me and she also saw that the I was offered with the welcome bonus. I am questioning these conflicting statements American Express made and want American Express to give some proof and have a third party firm for audit. If American Express can not answer these conflicting statements, American Express will need to add these XXXX XXXX  to my account.
Consumer complaint received 2023-01-19
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)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of  security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I have an account with Regions Bank. On XX/XX/2020 an unauthorized ATM transaction of XXXX dollars was made and I reported this the same day if not the next day after it happened. I called three days before filing this complaint to get an update on my case. They said that it was concluded and determined that this transaction was valid. I asked for evidence and validation of this transaction and they failed to give me such information, given I also have a police report regarding this and which they also refused to accept because the case was already concluded. I asked for upper management and they also refused to help me. This not right, given that this was an ATM transaction and there is video footage that they can easily verify and provide evidence regarding this false transaction that now I am being unjustly responsible for.
Consumer complaint received 2020-08-22
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-XXXX XXXXXXXX -XXXX XXXXXXXX XXXX  XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX - XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-10-14
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

Good afternoon, The company that I am having an issue with is Ally Finacial on. Ally financial stated that they have verified this account on XX/XX/2020, but they have never verified this account with me. Also, this account is showing as a charge off and closed but it is showing my payment frequency as monthly. I have sent a request to Ally Financial on XX/XX/2020 to send something to me to show that this is my debt. However, they have not sent me anything.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602. A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
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. (FL)

Im asking for the company to remove the late payments. No one contacted me letting me know that I had to put the loans in deferment had I known I would have kept up with it now
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. TransUnion reporting company is reporting XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. XXXX and TransUnion are reporting different information on the same account which is contradicting each other. This is a discrepancy.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

In XXXX of 2020 I canceled my card and ordered a replacement card because mine had been stolen, and that same month paid my bill in full to ensure a smooth transition. I did not receive a new card in the mail from them until XX/XX/2020. When I logged on to activate the new/replacement card, the website let me activate it, and then once I had, my account showed a litany of charges from mostly out of state and subsequent late fees and interest charges in relation to those out of state charges, all of which dated AFTER I had spoken with them to confirm my cancellation and request for a replacement card. I called to try to resolve the issue, and they claimed that I had never called to cancel the card. When I brought up the fact that I had in my hand the package with the replacement card with Citi Bank as the return address, in addition to the fact that I activated the new card just two nights ago, they refused to respond to my questions. I tried to be as calm and reasonable as I could be with them but they insisted on continuing with their false and predatory stance on the situation. I am including images of bank statements, the package in which I received the replacement card, and of the card itself. If you need the full credit card number, let me know and I would be happy to provide it. Thank you. 

Ps. If there are any issues with the images I provided, I apologize, and I would be more than happy to resend any of them or to send anything else that you may need.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I paid off my installment loan in full to Apple Bank on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted Apple bank they said It is false information In their records everything was paid on time. I then contacted XXXX XXXX the credit agency that lowered my score and they said they received the info from Apple bank. I contacted Apple bank and the rep said there was not anything they could do on their end only trans union can fix the issue. I called XXXX XXXX once again and was told they will look into it and put in a dispute which can take up to 90 days.