davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Spoke with Capital one on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I have a fraud alert on my credit report, capital one has yet to contact me to verify the alert during a recent request in a credit limit increase. The credit limit increase was initiated and is pending a response since XX/XX/2018. Due to the nature of the situation, with a fraud alert, someone should of contacted me sooner. Instead i've made numerous attempts with no representatives to assist. This is negligent on capital one 's behalf, someone could be using my identity or possibly committing fraud in my name. And a week has passed without capital one verifying any information. This is irresponsible of capital one and unacceptable to consumers like myself.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX  to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX  and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX  or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.
Consumer complaint received 2020-10-24
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: EQUIFAX, INC. (CA)

I contacted Equifax to dispute an account that was send to them from a utility company, XXXX XXXX, in XXXX California area. The account report was completely wrong, since XXXX XXXX employees stole {$110.00} from my electric account that I used to temporary connect electricity to a Mobile Home to do some repair work. I have the receipt for that payment and I sent everything to Equifax. Equifax instead of removing completely the whole collection account, changed the account status to delinquent and report the  delinquent date to XXXX XXXX when in fact XXXX reported it as none payment XXXX of XXXX. The account did not exist at XXXX and started in late XXXX. 
This damaged my FICO score 60 points, dropped it from XXXX to XXXX. 
Equifax employee that did this was stationed in XXXX and I question him how is possible that you are not here in the United State and you have all my sensitive information? He had no answer for that and kept quite, the conversation with him took had an hour. I disputed the wrong doing but there was no action from the company. Now I have been financially damaged since I am doing a refinance and that cause my rate to go up, a thirty years extra payment.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I was reviewing my credit report and noticed that XXXX had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus Equifax and XXXX are XXXX pts more than XXXX and they have all the correct information on them. XXXX has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the better business bureau. They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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: AMERICAN EXPRESS COMPANY (NY)

Had a agreement with CPA vendor that was not fulfilled. Charge was on American Express card. American Express first declined pursuing the vendor when I initially filed the dispute and provided the support information ( contract and email from vendor they would not proceed and did not fulfill the agreement ). American Express after 5 attempts finally accepted the dispute but is making me still pay for the disputed amount less the interest. Previously ( no notice of change to process was provided as of XX/XX/2021 ) dispute charges were temporarily removed from the card holders account while the issue was being investigated. This has not happened and American Express is limiting my ability to use my card due to this charge even though I have paid off this card more than 4x in 18m and have a good credit history with American Express. 

American Express practicing anti-consumer and anti-black practices by limiting the ability of minority consumers to retain credit and obtain credit increases and use the full capability of their cardholder features which is offered to every other consumer. I have been a customer of American Express for over 4 years and have never received a credit increase with XXXX XXXX XXXX.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

The collection agency named, " RECEIVABLES PERFORMANCE MANAGEMENT , LLC '' filed a negative credit report marks on all 3 credit bureaus without properly validating the debt from the consumer. The collection agency did not provide a formal written report to present that the debt is valid prior to reporting to all credit bureaus and did not do their diligence that the debt is no longer owed given that we have the receipts of payment from the original creditor ( XXXX  ). The collection agency continued to call and harass despite being told that a request to validate the debt is important and that a substantial proof is needed to show in good faith the debt is owed.
Consumer complaint received 2020-04-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C.  1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-09-13
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MI)

HJR 192 72 10 USC 15 SEC. 1681 The goverment is responsible for all debts and I am the original creditor. All injuries against the living man are fileable for damages and remedy can be sought after via redress. I aslo attempted payment was made via 1099-A.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (FL)

I was unable to make payments to Lending Club because I am XXXX. I spoke with them 2 months ago to stop automatic payments from my bank account. The first payment was stopped. Unfortunately, the second payment was taken from my bank account. I called them XX/XX/XXXX and told them that they took an unauthorized payment from my account. They apologized and said that the money would be returned 5 to 7 business days later. I still have not received my payment reversal. I spoke to them XX/XX/XXXX and they told me it would be in my account by today, XX/XX/XXXX. The payment is not there. I called them back today and they told me that the payment would be in my account by the end of the week.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Omnex Group, Inc. (CA)

last XX/XX/2020, i, XXXX XXXX, US cell phone XXXX XXXX XXXX, sent pesos XXXX to XXXX XXXX ( XXXX phone XXXX XXXX XXXX ) through XXXX XXXX an XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, NJ XXXX after twelve days, the money is still not yet available. calls to them went un answered. they make everything difficult, and they said you can not call them while you are in the XXXX. my XXXX cell phone number is XXXX XXXX XXXX the reference number for this transaction is XXXX XXXX  told me to contact them through XXXX XXXX XXXX XXXX if contact them, they will just put down the phone. i tried their email XXXX. they will not reply. 

please help me recover my money from this XXXX scam.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MO)

I disputed this debt with the debt buyer on XXXX XXXX, 2020, I have attached the tracking sheet that verifies the dispute was signed for on that date. In that letter I asked the company to verify the debt by providing signed copies of any agreement I entered into, which they failed to do. In response to a dispute filed with you they forwarded a statement that contained my name and a former address, but nothing that verified the debt. I disputed the debt through the XXXX  XXXX XXXX and they denied having any paperwork that they could provide, stating that the account had been handled through XXXX XXXX XXXX. I sent mail to XXXX and they denied having any information regarding the debt, actually saying they could not locate any information using the information I provided. There is no account material to prove that this is my debt and I do not feel that XXXX  has been truthful in saying that the debt has been verified as they also will not provide me with any documentation that it is a debt legally owed by me..
Consumer complaint received 2022-03-01
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX  XXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX, and Federal Trade Commission. 

I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 

XXXX XXXX XXXX  XXXX XXXX, XXXX -Remove from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Remove from my report XXXX XXXX XXXX XXXX. XXXX, XXXX Remove from my report
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.
Consumer complaint received 2020-10-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

2 cds lost. Wells Fargo has no records. Never turned over to CA. Lost assets. The 2 cds were {$2000.00} each and opened in XX/XX/96. Auto renewal but never received any notice ever come time to renew. Yes I forgot about them but still should been notified. Talked to wells Fargo and said no records anymore so case closed. Case mgr. XXXX XXXX of executive office handled case number XXXX. Phone XXXX.
Consumer complaint received 2018-07-20
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: Experian Information Solutions Inc. (NY)

When I tried to fix some problems with Experian & XXXX  - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if XXXX had deleted the false info. I COULD NOT load my credit report because when I tried - more XXXX  Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 Experian. & 3 - XXXX. 



In XX/XX/XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XX/XX/XXXX - some problems started! - In XX/XX/XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, Experian & XXXX  have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX XXXX XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

.
Consumer complaint received 2022-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde  hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, Capital one, and XXXX XXXX. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to capital one and they have refused to remove the inquiry. I have also contacted XXXX XXXX  XXXX XXXX Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.