davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On Monday XX/XX/XXXX I received a call from Capital One stating that my account was flagged and audited for possible fraud. I have several authorized users. None of their cards are activated nor do they have access to their unique card numbers as I have all authorized user cards sent to my home address and not theirs. In addition I have a {$9300.00} credit limit and a {$0.00} balance on my account. I very rarely use this account with the exception of the XXXX season. 

Capital One asked me to contact my authorized users and request that they send me a copy of their social security cards, and the front and back of their drivers licenses. 

I supplied them with most of the information but was still in the process of gathering up copies for the people they named. Capital One told me there was a timeline to get this done but to understand that they could not remove the restriction off of my account until they had all of the required documentation. 

They called me today XX/XX/XXXX and told me they were closing my account because they could not verify one of the documents that I had already sent in. I asked more questions regarding which authorized user they were referring to and they said they could not share any further information with me. I don't believe that any of my user 's are suspicious, but if they are, I would like to know specifically who they are referring to. I believe I should have some sort of clarity and understanding on what's actually happening and why. 

In addition, I have had this account in good standing for over 6 years. I thought I had built a good relationship with the Capital One. I would like to be clear on what this random audit and the outcome means for me and my credit reputation going forward. I have worked hard for my credit standing. 

Also additional information is listed below. 

My XXXX # XXXX XXXX Customer XXXX XXXX XXXX Is the contact number they gave me. 

Thank you so much for your help
Consumer complaint received 2020-06-28
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. (NY)

this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
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15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
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Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
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I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
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It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.
Consumer complaint received 2020-10-17
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. (CA)

Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.
Consumer complaint received 2020-06-28
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. (NY)

this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (MS)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}
Consumer complaint received 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

I had eight store credit card accounts ( Amazon, TJ Maxx, XXXX, Paypal Credit, Lowe 's, JC Penny, XXXX, and QVC ) with Synchrony Bank, which has a monopoly on store cards. The company closed my accounts suddenly at the beginning of XXXX, without notice, and did this to several hundreds of consumers since the onset of the COVID-19 pandemic ( per a XXXX search on the issue ). I, along with several other consumers, had rewards points attached to these cards. Prior to closing the accounts, my credit score was almost XXXX and I had very few credit card debts. My credit utilization was around 10 % and I have 0 delinquencies or collections. When the company cancelled these eight accounts, I had to act quickly to reduce my debt to keep my credit utilization above average in the hopes of retaining my stellar credit score. In addition, the company wrongfully used the closures to thieve all of my rewards points, which amounted to a modest {$170.00} XXXX {$110.00} with Amazon, {$30.00} with TJ Maxx, and {$30.00} with eBay ). Further, the company used their monopoly to causes damages to me in the form of reducing my credit score before I could use my savings to keep my debt-to-income ratio above average. In letters I received on XX/XX/2020, the company simply stated that activity on my accounts was " indicative of high risk of failure to pay, '' which is categorically unfounded per a review of my credit usage with their company and all other companies with which I have ever had financial instruments. I have had 0 late payments with any of my creditors including Synchrony, have never filed bankruptcy, and, in fact, pay off my balances every month for every Synchrony card that was wrongfully closed.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I am trying to link my account with the XXXX app, so I can fund an investment account. PNC is not allowing XXXX to connect to the app. I'm also having trouble connecting with Mint.com and other apps. It seems that PNC is not allowing third-party apps to connect with PNC accounts. This is incredibly frustrating. It's not up to PNC what apps I use or what I choose to do with my money. They must allow these apps to connect!
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2022, a collection account was reported to XXXX, and subsequently to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The account is under TRANSWORLD SYS INCXXXX for the amount of {$280.00}. This account was opened on XX/XX/2022. 

This account was not familiar so I initiated a dispute with XXXX on XX/XX/XXXX. I had never received any communication from Transworld and had no idea what this amount is for. The XXXX  account information shows XXXX XXXX XXXX XXXX as the Original Creditor. On XX/XX/2022, I reached out to XXXX XXXX XXXX ( aka Dignity Health ) and they can not provide any confirmation of this debt. They suggested contacting the company they use for billing, XXXX. XXXX did not provide any information on this either. They sent me back to original creditor. They suggested contacting Transworld. When I called Transworld, they claim that they do not report to credit bureaus and the original creditor does so. 

I asked them why they have reported such a small amount to credit bureaus only after a month of opening the account and without sending me any notifications. They claimed they have sent a letter on XX/XX/2022. I have not received such letter. But even if the letter was lost in mail, shouldn't they have provided me with a reasonable opportunity, communication, and timeframe to settle the amount with them before reporting it as non-payment? This is all assuming that the {$280.00} bill is a valid bill and not an attempt by either XXXX XXXX, XXXX, and/or Transworld to steal my money. The fact that they keep ping-ponging me back and forth is another issue that needs to be addressed.
Consumer complaint received 2021-01-24
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. (CA)

I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2017-05-27
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. (PA)

None of the information on the credit bureaus are mine. I have been complaining about this for years. My transunion,  XXXX , and   XXXX   are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Consumer complaint received 2017-05-27
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)

The accounts below are not mines and should have been removed.         XXXX   XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$5900.00} Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Closed :  XXXX   XXXX ,  XXXX  {$4100.00} Closed  XXXX   XXXX    XXXX   Closed :  XXXX   XXXX ,  XXXX  {$1400.00} Closed This account below is more tha n 7 years old an d should be deleted.        XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,  XXXX  {$3000.00}
Consumer complaint received 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We have two homes and two different mortgages serviced by the same Loan Servicing company, LOANCARE. 

Our Check made out to XXXX XXXX XXXX with the loan number written in the memo field was deposited into the wrong account. 

This caused a late payment, We weren't notified, Both my wife and my credit has dropped 78 points. 

I spoke to the LOANCARE who admitted the mistake, they told me to write an email and send it to paymentresearch@myloancare.com which I did, Friday, XX/XX/XXXX. As of today, XX/XX/XXXX, I have had no response from LOANCARE.
Consumer complaint received 2021-07-14
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. (GA)

I was alerted by Experian on XX/XX/2021 that a hard inquiry was created on my credit report from XXXX/XXXX  I XXXX who the company was and I don't own a pet. It's a pet store. It was done in error or fraud. Help me to get this false reporting off of my credit report.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I have a {$300.00} Credit limit and I made a one time authorize online payment to XXXX in the amount of {$40.00} using my sons account. XXXX later deducted a total of {$1300.00} within a three month period. XXXX XXXX refunded a portion leaving {$910.00} for XXXX to resolve. XXXX return the funds into the account but held me responsible for the {$910.00}. Once I seen it on my credit report I reported it immediately to XXXX they did a investigation which determined I would not be responsible for any charges due to fraudulent activities in XXXX. XXXX removed the account off of my credit report after almost a year in some months of causing me financial and emotional stress fighting this. XXXX then sold the account to XXXX XXXX whom has now added the account back onto my credit report causing my credit score to drop again making it hard for me to provide for myself and family.
Consumer complaint received 2020-07-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC (CA)

Good morning, this is a collection agency by XXXX, that has an ongoing case against FTC. The school is using a debt collection agency ( third party ) to collect tuition fees to students. In the case given by the judge states that anyone connected to the XXXX, including collection agency are prohibited in collecting tuition fees and interest to the said tuition fees. I reached out to them twice already, sent them a demand letter to stop, because XXXX has an ongoing case. I attached a copy of the case #. I still receive emails and letters. I enrolled and never attended a single class because of XXXX and then followed by preliminary injunction prior to my scheduled classes. All students paid 25 % of the tuition fees before the class starts and school will collect the remaining balance. In my case They already collected {$11000.00} from me, which the promised education was not received. 
first payment collected was on XX/XX/2020 amount of {$9700.00} 2nd payment was collected via automatic payment to my credit card on XX/XX/2020 amount of {$1400.00}. 
I made a stopped to my automatic payment and from there on they started sending me emails and letters which i answered them. I spoke to one of the representative of Universal account servicing and told them that XXXX has ongoing case and so they should stop collecting what they call debt.
Consumer complaint received 2020-07-14
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. (CA)

on XX/XX/2020 I seen a " change of address '' email for a Macy 's account I never opened ( submitted a complaint for this as well ) Macy 's has stated that the card being used is not in my name therefore they can not do anything about this being tied to my macys account
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion I've contacted them with 3 disputes letter stating that their were inquiries that were incorrect on my credit profile under section 609 they have legally send legally document of the creditor stating that they are mines. 
section XXXX and XXXX unverified items must be deleted immediately Transunion has not responded to my disputes
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (CO)

My loan officer, XXXX XXXX ( NMLS XXXX ) of XXXX XXXX, XXXX, clearly explained to me that if I closed in XXXX that my closing paperwork would include the interest for XXXX ( to be paid by me at closing ) and that my first mortgage payment would not be due until XX/XX/XXXX. I emailed and called him to clarify because I had a final rent payment due XXXX. He assured me that the closing paperwork already included XXXX 's interest and that my first payment would be due XX/XX/XXXX. When it came time to close, the paperwork was not written the way he explained- there was no interest in the closing numbers and my first payment was slated to be XX/XX/XXXX. XXXX, who was at the closing, became quite confused, insisting he had never heard similar terms. He tricked me into closing by outright lying to me about the terms. While I agree it is my responsibility to understand my numbers and disclosures, I asked specific questions to my loan officer, who misled me and fed me false interpretations of the numbers to his benefit and my detriment. 

I have attached our email chain where I was told with no uncertainty that my first payment would be in XXXX. I have also attached evidence of our follow-up phone call- while I do not have a recording, it shows XXXX and I spoke for almost six minutes immediately after he emailed me. During that phone call I explained that in my experience, if one closes on a house in the beginning of the month, one pays the first mortgage payment in the following month. XXXX told me in that conversation that my thinking was incorrect. He said that he had many year 's experience, and that I had never financed a house in this state so I should trust his expertise.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.