davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX I contacted XXXX XXXX, XXXX in regard to info that they had sent to me in response to my request for validation for the Capital One credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital one CEO XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client XXXX XXXX XXXX authorized them to offer me a settlement on a debt that XXXX has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.
Consumer complaint received 2019-03-11
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. (CO)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX Im emailing you regarding a XXXX XXXX dollar compensation that bank of America was supposed to sent me For a fraud back in XXXX through XXXX, I was unsuccessful and I was avail to get some help with a lawyer unfortunately lawyer was XXXX to get the money but bank of America was not willing to accept the refund so were emailing you to know the next steps from here, I have the date of an appointment I had with a banker showing the money was accepted but no money yet.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Winklevoss Exchange LLC ()

I have an account balance from XXXX XXXX that I can't withdraw at all because of Gemini. Gemini owns XXXX XXXX and what happened is that my gemini account got deleted without any notice. I was not verified yet after almost 2 months and i figured there was a bug with my account. I tried creating a new account, with my job e-mail, and provide better pictures of my passport etc, but unfortunately it wont let me create a new account. It is saying that my e-mail address is unavailable. XXXX So now Gemini / XXXX owns my money and it is impossible for me to withdraw it. I have been sending numerous e-mails to their customer service and got no replies. It's been 2 months now ... I need this money back. This is fraud. Please help me!
Consumer complaint received 2020-09-01
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Consumer complaint received 2019-03-11
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: The Outsource Group, Inc (CA)

Complaint number : XXXX, submitted letter on XX/XX/2017 regarding XXXX for the amount of {$1000.00}. The alleged bill is past the Statue of Limitations Civil Code : 337
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NC)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$500.00} XXXX XXXX   XXXX {$660.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2019-03-11
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: GOLDMAN SACHS BANK USA (TN)

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with Marcus by Goldman Sachs Bank and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
Consumer complaint received 2017-12-15
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 (IL)

Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!
Consumer complaint received 2022-01-08
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. (CA)

Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I received the following email regarding Bank of America accounts, that I do not have with the bank. Please advise as to what I should do. Received XX/XX/XXXX. I am deleting the email. 

Bank of America SECURlTY-ALERT You are receiving this email because we noticed a failed sign-in attempt to your account from an unrecognized device. 
Our system has blocked this sign in attempt as a security measure. 
In order to safeguard your account, we have temporarily restricted your account activities. 
You are immediately required to validate your account to restore your account privileges. 

Before you proceed, kindly make sure your debit/credit card is within your reach, as you will be required to verify your card details. 

Please note : Failure to restore full access can lead to permanent suspension of your access to our banking services. 

click the link below to validate your account. 

Get Started Best regards, B.0f.A XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved. NMLSR ID XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

XXXX XXXX XXXX acct # XXXX and LVNV Funding acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same local auto insurance company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2023-04-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (PA)

In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX  XXXX Bankruptcy reference number 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (GA)

XXXX XXXX and Experian are fraudulent on my following accounts : USDOE/XXXX is fraudulent on my credit Account # XXXX US DEPT ED is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials about this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit report act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-26
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. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-06-04
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. (FL)

On XX/XX/2019 my credit bureau receive a hard inquiry from Equifax Mortgage Solution without my authorization damaging my credit score. 
I just want that inquiry to be removed from my credit report.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XX/XX/XXXXand XX/XX/XXXXI truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Consumer complaint received 2022-02-09
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Lakeview Loan Servicing company has been the worst experience of my life. Their website or mobile app rarely works. They advertise to use the online option but does not allow you to make payments. The biggest complaint is that my property taxes were due on XX/XX/2021 and it is not XX/XX/2021 and they still have not been paid and no one can tell me why. The managers and employees appear to be lost as well. Starting feel like this company is one of these companies that will close down, take the money and run. I know that is not how loan servicing works especially by it being a FHA loan. But that is how I feel. This company is terrible and I was not surprised to find out they have a rating of XXXX with the XXXX. I am not sure why the government uses them.
Consumer complaint received 2020-11-17
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. (VA)

Theres a XXXX XXXX XXXX account on my credit that is reporting as 90 days past due but the account has been paid in full and closed since XX/XX/2017. Please have this delinquent status removed from my credit report.