davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Capital One Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act. 

There are 5 accounts with the same number : XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello, On XX/XX/XXXX I noticed that my credit score on Equifax had took a BIG decrease on my points of XXXX  points. So I called Equifax on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that XXXX XXXX XXXX  XXXX put a nasty remark on my profile on Equifax all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with Equifax, XXXX, and XXXX about XXXX XXXX XXXX  XXXX with the same account as XXXX. In my letters I explained how I wanted XXXX XXXX XXXX  XXXX removed from my credit report because it was a duplicate account with a different name. XXXX was sold to XXXX XXXX XXXX  XXXX . However I was always in good payment with XXXX it's just XXXX  XXXX XXXX  XXXX bought XXXX Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with XXXX XXXX  and paid partial to XXXX XXXX XXXX  XXXX in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from Equifax and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with Equifax and XXXX. XXXX have removed all inquire but Equifax and XXXX will not remove and giving me a hard time. Please take a look at XXXX XXXX XXXX  XXXX and see why they have retaliated against me by leaving a bad remark on my credit file with Equifax. But also this bad remark may be on XXXX and XXXX in a few days. I really want XXXX XXXX XXXX  XXXX removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to experian many times to update and remove the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX georgia XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, & XXXX XXXX XXXX, XXXX XXXX ga XXXX. 

please add my current and only address to my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX, please remove the incorrect name : XXXX XXXX from my credit report please remove fraud alert from my credit profile
Consumer complaint received 2023-03-24
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. (TX)

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

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-04
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: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have a debit/credit card with Webster Bank and a checking account. In looking at my statement there were a number of XXXX purchases made using my card. I called XXXX and Webster to report that these purchases were not authorized by me. I told them that I would like a new card and to stop any purchases on the old card. In speaking with XXXX they did their investigation and credited me XXXX for the unauthorized purchases. I was very happy about that. I just received a letter from Webster Bank telling me that in doing their investigation, they have not found any errors and will be taking back the credits of XXXX. The case number on the letter is XXXX. I just spoke with a number of agents and the dispute dept. at Webster Bank and they could not give me any reason as to why they are taking the credits back off of my account. Needless to say, I am livid.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was amazed when I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXXXXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX  Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX  XXXX XXXX XXXX for XXXX never had XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I was unaware of this account. I never got a letter, notice, call or anything. I need to apply for a loan and saw it on my credit. I have contacted this company multiple tines, attempting to get information. I can't get a reply. I faxed the company on XX/XX/XXXX - since then COVID 19 has made life hard and my credit is still being hurt by this account. Even though they wont respond to me they have verified this account as accurate and it is still on my XXXX  report. They keep updating every month - it was just updated XX/XX/2020! This is ruining my life and I want it removed from the credit reports .I pay my bills. I would not ruin my credit over something less than {$200.00}.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: United Military Mortgage, LLC (PA)

From : XXXX aka XXXX XXXX <XXXX> Sent : Friday, XX/XX/2019 XXXX XXXX  To : XXXX   <XXXX> Subject : How do you protect me from ALL OF THESE DAMN MARKETING HARRASSERS I receive monstrous amounts of marketing letters, e-mails and telephone calls from people who want to sell me this or have me donate to that, AND WANT ME TO REFINANCE MY VA LOAN. 

How are these annoying XXXX getting my personal information address, e-mail address, and telephone numbers? No matter how many times that I block information, or try to unsubscribe to e-mails or mailing lists I still keep getting these annoying contacts THAT WONT STOP!!!!! 

I am a 100 % XXXX veteran. Much of my XXXX is XXXX and XXXX. These XXXX marketers trying to sell me something, charities wanting my limited income, and the bankers keep on trying to get me to re-finance my primary VA Loan through XXXX XXXX, to get some equity out of my house ( and of course to pay them some fees that will be included in the closing costs, so they can make some money off of my back ). Every time that I get contacted about re-financing, donations, or marketing requests, my XXXX goes through the roof for a couple of days. Just about the time I get back in control a little, here comes another call, or e-mail, or letter. 

These mortgage marketers normally mention the fact that it is a VA loan and that it is a loan from XXXX XXXX. XXXX XXXX has my information marked so it is not shared with other companies or people. What public database are these hackers getting my loan information from? 

The last marketing card that I received had an identity on it for " Low VA Rates , LLC '' from XXXX, UT. It had a VA ID number XXXX and FHA ID XXXX on the card, and an NMLS ID # XXXX. There were License numbers from 11 states other than Utah. These state licenses on the card did not include Pennsylvania ( where my house is ), nor in North Carolina ( where the XXXX XXXX office that processed my VA Loan is ). 

Who is giving data out to all of these XXXX annoying marketers that wont leave us alone???? 

Youre supposed to be The Consumer Financial Protection Bureau. When are you going to start protecting me???????????????????????????????? 

My XXXX  wishes the law authorized harassed citizens ( like me ) the authority to go to these operating locations once they were identified and take sledge hammers to all of their computers ( including back-up databases ), typewriters, and telephone systems to destroy ANY possibilities that these hackers/spammers/thieves would ever be able to continue bothering people in the future. If they pass a law like this let me know.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

I have an account with Gemini XXXX and I sold my XXXX currency back in XX/XX/ and it was suppose to be available in cash so I can withdraw it. Its not allowing me to withdraw my money from the account. I want my money now.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (WI)

In XX/XX/2014 my student loans were discharged through the total and permanent disability discharge with XXXX the account 's on my credit report with Experian should be removed because they are XXXX XXXX XXXX. 

XXXX has already removed the two student loans from their database. I am asking why Experian refuses to remove the referenced accounts I have contacted XXXX XXXX for further support in this matter from experian. 
at XXXX XXXX
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I would submit a payment to Capital one credit card and they would not take it out of my checking account after submitting my payment for up to 2 weeks later. They would then charge me late fees, interest and then finally said my card was closed due to fraud. That didn't stop them from still charging my card more fees penalties and interest toa total of over {$200.00} on a XXXX dollar credit limit. I paid them off and asked for a refund which they refused. they also placed this garbage on my credit report.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the XXXX  breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AK)

In XX/XX/2022, I filed a dispute against several companies when I found that there were credit accounts opened under my name. XXXXXXXX XXXX promised they would resolve my case, which they did three months after my dispute. XXXXXXXX XXXX closed the account after an investigation found that I was not responsible for opening the account. 
However, a debt collection, Midland Credit Management, sent me a letter asking me to pay the balance on the previously closed fraud account with XXXX XXXX XXXX for XXXX USD.
Consumer complaint received 2022-04-26
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. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXXXXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.
Consumer complaint received 2022-04-26
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. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX ) XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX Bank # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 15 U.S.C. 1681 Section 602 A States : I have the right to privacy ; 15 U.S.C. 1681 Section 604 A Section 2 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 ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Consumer complaint received 2021-08-19
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. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2023-01-18
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. (NC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
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. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Consumer complaint received 2020-11-03
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. (TN)

In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.