davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.
Consumer complaint received 2023-01-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (TX)

On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. 
I do not have an account with XXXX credit I do not have a debt with XXXX credit. 

I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. 
Flagship is holding my property and will not closed this account.
Consumer complaint received 2017-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (AZ)

I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX and XXXX XXXX XXXX XXXX have reported all these tax liens on credit, which negatively affects my credit rating. It was passed that not liens should be on credit reports in XXXX of this year. Please address and have all these reported correctly and accurately on my credit report. Secondly, these balances should have been paid by Bank of America prior to the close of sale on XXXX XXXX XXXX, XXXX NC This was in litigation and claimed to be collected prior to the sale of this property. Please address with Bank of America and refer to the agreement.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX at XXXX, I began receiving phone calls on my office line ( which I never provided to Portfolio Recovery or any old employers, since I have not been with this employer long ). Personal calls are not permitted on our phones, so I am facing disciplinary action or possible termination if it continues. 
Since then, I've received multiple calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I reached out via email to ask that they cease and desist contacting me period, but especially at work. 

My credit report does not indicate any past due or collections. All of my credit cards and my auto loan are in good standing.
Consumer complaint received 2023-01-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-08-15
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: EQUIFAX, INC. (FL)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

HI. on XX/XX/XXXX i could not pay my credit card the balance was XXXX dollars. Then i had called from agency debt consolidation. they told me they can help me on this debt after 10 minutes talk I agree. then we set up the monthly payments then on XX/XX/XXXX they started to take XXXX dollars every month from my account for 2 years. Then 4 months XXXX dollars. So i started paying on XX/XX/XXXX and finish on XX/XX/XXXX after that they sent me a certificate of achievement which says i am debit free. After that i was happy and i forgot about it. But on XX/XX/XXXX i got a letter from XXXX XXXX saying i have to pay XXXX dollars to the recovery agency then i call them i sen what i have they could not find anything. nothing is paid and i think the debt consolidation company scam me. and i have court on XX/XX/XXXX. Thank you.if any documents you need let me know please thank you again.
Consumer complaint received 2022-08-12
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

Hi, I applied an American Express ( AMEX ) Gold charge card on XX/XX/2018 and was told that I am eligible for the welcome offer, which includes : - {$100.00} Annual Statement Credit with your Corporate Card Membership - XXXX Membership Rewards Points after charge {$2000.00} of eligible purchases on The American Express Gold Card within the first three months.

( Please see the attached full offer terms ) After this card got approved and I met the spending requirement, I double checked with AMEX and got the confirmation that my welcome offer would be posted to my account after a while.

However, I was told by AMEX that my welcome offer got declined. When I asked them for the specific reason, they just started to make excuse like : " You had an AMEX credit card closed BEFORE applying this AMEX Gold card. '' - I never closed any of my AMEX card before, they later changed their words when I pointed this out.

I tried to contact AMEX multiple times earlier regarding this issue and I attached the recording from one of the phone call I made to them, which confirmed I DO have this welcome offer. Please check the attached recording file for this.

Please feel free to contact me if I you need any other information on this. Thanks.
Consumer complaint received 2020-05-28
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. (CO)

I reported an error on my TransUnion credit report, in regards to a charge off which is listed as charged off on my XXXX  account. Yesterday, TransUnion responded after two days of research to tell me everything is staying the same. I have proof and documentation that this should be taken off of TransUnion, yet they are giving me the run-around. Please help me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I sent a letter to experian asking them to investigate account XXXX XXXX account # XXXX. The tracking # XXXX I received a letter from experian saying that the information was accurate. 
i just recently looked over my account XX/XX/XXXX and noticed the information is still reporting inaccurately. The credit reporting agency is not reporting accurate information on the report. The dates are different the amounts are different and the report is not a 100 percent accurate. 

USC 15 1681 i Expierian did not do a proper investigation of this account and did not up hold law and lied on a official documents saying they did something they didn't do. I have evidence to prove my case.
Consumer complaint received 2021-09-12
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. (TX)

Both XXXX and transunion show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX XXXX EQUIFAX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Link USA, LLC (MO)

I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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: SYNCHRONY FINANCIAL (OH)

SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. Pulled my credit report without my authorization creating a " hard inquiry ' on my XXXX credit report, and probably XXXX and XXXX, respectively. 

I submitted a dispute with XXXX in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ). though the response from XXXX and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact XXXX requesting removal of the inquiry. 

I did as I was instructed by contacting both SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) and XXXX to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed XXXX specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " XXXX reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks! 

Attached are the dispute letter sent and the response from XXXX. And, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) took a report but continue to make me goes back and forth between the Synchony Bank and PayPal with no ending resolution but long period on the phone between the two. 

What would be a fair resolution to this issue? 

SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A merchant charged my credit card for a {$250.00} deposit for an urgent care visit on XX/XX/24 with the promise of refunding the {$250.00} once our health insurance reimbursed him for the visit. XXXX XXXX XXXX ( the merchant ) went out of business on or about XX/XX/24. The merchant lied about accepting our health care .... he did not have a contract with our healthcare provider as of XX/XX/24. The merchant will not respond to phone calls and the place of business has been shuttered in XXXX XXXX A quick search of XXXX XXXX shows that XXXX XXXX XXXX ( owner and operator of XXXX XXXX XXXX XXXX XXXX and apparently the only employee ) has defrauded more than XXXX people who wrote reviews on XXXX XXXX .. maybe there are thousands that he defrauded that didn't write reviews. 

I contested this charge with Capital One and they have not been helpful. They refuse to permanently credit my account for the {$250.00} that is due to me. I have attempted to escalate with Capital One, but they refuse. 

In addition to the Financial Fraud committed by XXXX XXXX, he also shared HIPAA data that is private information about my son 's medical conditions and test results. This information was shared with XXXX XXXX XXXX, Capital One, and myself. I will be filing a complaint with The Department of Health & Human Services for a HIPAA Privacy violation and XXXX XXXX XXXX, XXXX XXXX, Capital One, and potentially both VISA and TSYS corporations.
Consumer complaint received 2021-08-15
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: CITIBANK, N.A. (MA)

My wife from whom I separated and flied for divorce in XX/XX/2021, opened two credit cards with CitiCards in my name without my knowledge or permission. She has since admitted to me that she did. 
The first card appeared on my credit report on XX/XX/2021. 
I reported the issue on identitytheft.gov.

Unable to find a phone number of CitiCards to report the issue, I sent CitiCards a letter on XX/XX/XXXX to the address listed on the credit report, demanding that they close the account and that they accept that I am not responsible for the charges. They have not responded to that letter since. 
I also reported the issue to the police of XXXX, MA on XX/XX/XXXX, but have not heard back from them. 
I have since been able to obtain statements for both cards. The first has a credit limit of {$3600.00} and as of XX/XX/XXXX, a balance of {$3500.00}. The second card has a credit limit of {$2000.00} and as of XX/XX/XXXX, a balance of {$1700.00}.