davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
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 (FL)

since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 
These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2019-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have an Capital One credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XX/XX/2019 I noticed that XXXX  removed my capital one account without my permission. 
The account is still showing on my XXXX  and XXXX which is good. 

I contacted XXXX and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted capital one and they said they are reporting to all three credit bureaus. They told me to contact XXXX. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my XXXX  credit score like 200  points and I dont know what to do to fix this. 
I need some help please.
Consumer complaint received 2020-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I made a complain thru XXXX  and no solution is getting resolve because it is a big company which is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is a fraud. The first issue is the name of the account. I called and notify them that the name in the account is misspelled and I told them multiple times to change it but it never happened. 

There is a problem with this : First, I am paying the account with different name this caused problem with credit history and debt collection. This gives a negative report to my credit. 

The second issue is that I was supposed to get my refund once I turned in the equipment to XXXX after the account is close and I have the receipt. After few months, I received phone calls and letter from the debt collection agency stating that I owe XXXX XXXX XXXX and I saying that I did not return the equipment. I made a multiple phone calls, sometimes 2-4 hours a day just to resolve this matter. I keep getting cut off or I keep getting transferred from one agent to another. 

XXXX XXXX XXXX told me that my account is close with the different name ( XXXX XXXX ) so that they wont deal with me anymore but issue is not resolved and they open a new account to charge me of the refund amount. Not only XXXX XXXX XXXX owes me the refund from the returned equipment, they also wrongfully charge me for no reason and turn the account into the collection agency to give my credit an bad review. 

At one point my credit is down to XXXX, I have to call the credit agency and spend more money to monitor my credit. I've been dealing with this since 2018. This is my last resort and I need help.
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (NY)

XXXX denied me employment without providing clear information as to what was the reason for the denial. I have already sent the updated court records to HireRight and XXXX and they were reluctant to update them. 
My Criminal Court case has been dismissed and sealed as I was found not guilty. I notified XXXX and HireRight right away and yet they still decided to deny to employment because of a crime that I did not commit
Consumer complaint received 2018-10-25
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: LEXISNEXIS (CA)

Regarding the following : XXXX XXXX XXXX XXXX XXXX TAX ID is XXXX I have made multiple calls and request since XXXX of 2018, and each time I've been told by a XXXX XXXX CSR that they will send me a report but yet to receive it. 

This is an ongoing issue with XXXX XXXX and they have don't respond or ignoring my request. Federal Law requires that they should provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided them with additional documents and information shows differently. Therefore if the reported items are inaccurate, misleading or incomplete ; XXXX XXXX may have violated the Federal Law. 

Also, I requested this investigation on XX/XX/2018 and now it is almost 6 months with no concern or proper respond. Please investigate this inaccuracies and delete the incorrect reporting from my company 's record.
Consumer complaint received 2018-03-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

For the past two years, I have been receiving calls for years about a debt that I do not owe. This debt is an online cash advance. After confirming that I do not know about this debt, they perceive to continue to call me and even contacted my husband through text about this debt. I have asked for documents and was told that I had received documents back in XXXX. However, I can not get anyone to give me documents or a contract for this loan. In the month of XX/XX/XXXX, I have been left with messages stating there will be court documents sent to my home and work location and my wages will be garnish. Today XX/XX/XXXX, I called XXXX and ask for them to proceed with their court threats because I do not owe anyone. I also asked for their name and was told " XXXX XXXX. '' In addition, I was told that I owe this company over {$800.00}. This company had the last digits of my social security and the name of the bank. I was given options to settle out of court. I then asked for the original creditor 's name and was told " XXXX XXXX. '' I proceed to look up these names through the web and found extremely negative information such as " scammers. '' After being harassed for years, I need to know what is going on!
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT 1 LATE PAYMENTS THAT IS NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSP A CHAPTER XXXX LISTING I NEVER FILED. ALSO PREVIOUS ADDRESSES THAT NEED TO BE DELETED, AND 2 EMPLOYERS THAT ARE NOT FACTUAL THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED THIS IS THE 3RD TIME I AM SUBMITTING THIS ONMY OWN ANDEITHER THE CFPB OR TRANSUNION SAID IT IS NOT FROM ME IT IS JUST A STALL TACTIC SO PLEASE RE SUBMIT THIS AND DO YOUR JOBS
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

I asked for verification of the debt from the bank because I had identity theft and I don't recognize it. I asked them to stop calling and only communicate via mail, .and to stop contacting family members. They have continued to call family members and imply that they are suing and that the family member is legally obligated to assist them. Multiple family members have called me scared because of their language.
Consumer complaint received 2021-03-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted dispute letters to Transunion, XXXX  and XXXX  In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Our lease expired on XX/XX/2018. We had contacted the office to ask if we could lease on a month to month basis as our home was not ready. We in fact did not need to go month to month and moved out of the apartment before our lease was up. We had signed our notice to vacate 3 months prior. We did not sign a renewal on our lease. We are not responsible for the amount owed.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rocket Mortgage, LLC (MS)

After applying for refinancing of a mortgage, Quicken Mortgage provided information showing 40 collections, 20 legal collections, 2 recent delinquent reports and 13 delinquent accounts that seriously affect my credit record. I have no idea who is submitting this information to the credit agencies because it is the first time I have seen such. I am requesting information on who is providing this information for the credit agencies so I can have my attorney take necessary actions to repair my credit reports. 

You asked me to provide names of companies involved, but I don't know who they are. If there is something I can do to obtain this information, please let me know and I will take whatever action is necessary to obtained. 

XXXX XXXX
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I uploaded a document stating that the inquiries on my report were not authorized by me. The inquiries were not removed from my report nor was a reason provided as to why the inquiries were left on my report.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

wells fargo wants me pay back a XXXX dollar balance for checks they allowed into my account how is that possible when my account was reported hacked an cards stolen the signature they have on the checks is not my signature i have tried to resolve this issue but due to the fact wells fargo failed on securing my account by letting a person breach my account with a fradulant signature again i reported this incident more then once being able to provide evidence of me reporting before during and after the incident yet im still being hit with the charges due to lack of security an responsibility on the branches end
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I received a late payment on my XXXX credit card for an apparent late payment. The thing is I have autopay setup with my bank, and the bank has confirmation numbers supporting they sent out the payment at the same time it does every month. XXXX uses " TD XXXX XXXX XXXX '' to manage their branded credit card. TD XXXX XXXX XXXX refused to accept my bank 's Electronic transaction confirmation number as proof that the payment had been sent on time as it is every month. They refused to remove the fee and told me to take it up with my bank. 

I have since canceled the credit card account, but I will still need to pay the fee 's and late charges. This is very obviously fraudulent business practices.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I have asked MBA Law for details of this debt and they have never sent it to me. I have been fully insured and dont recall any invoices. If they are right, I will pay but need them to remove it from my report, if they are not able to prove it, then they need to remove it immediately.
Consumer complaint received 2020-12-12
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: ALLIANT CREDIT UNION (AL)

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED ALLIANT CRED XX/XX/2020
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I was locked out of my coinbase account do to an unauthorized transactions, after being sent an email to follow steps I followed every step I was then sent an email on XX/XX/XXXX I received this email We have successfully collected the funds from your recent failed transfer. However, there may still be restrictions on your account. And since then I havent heard anything back from anyone my account is still locked with over XXXX dollars in it. Ive been emailing for the past month and still nothing.
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act these XXXX account numbers have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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. 
15 U.S.C 1666 B : 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 2020-06-03
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 (PA)

On XX/XX/XXXX I cancelled a subscription with a merchant, but the merchant continued to charge my credit card and not deliver any goods. After XXXX  the merchant ( XXXX XXXX XXXX ) it seems they shut down the business but continued to charge old customers ' cards without notification. 

I opened a dispute on XX/XX/XXXX to dispute 15 charges against my account totaling {$320.00}. I put a hold on my account to prevent future rebills. 

American Express recently said over chat ( log attached ) that they will only investigate the last 60 days. In my first conversation they said they were investigating all of them. On their website it says at least 120 so I don't know what is correct. 

I received 2 refunds of {$21.00} each for XX/XX/XXXX and XX/XX/XXXX totaling {$42.00}. I received a card declined notification for the charge in XX/XX/XXXX so the merchant was still fraudulently billing. 

This dispute is for a recurring transaction and not just 1 transaction so they don't require investigating each one. All of them should be reversed. I have provided evidence to their customer support already and the response was that they will not investigate it. 

The business doesn't even exist so I don't know how AMEX allowed them to keep charging my card.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Acceptance Corp (WA)

XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX  XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX
Consumer complaint received 2022-05-02
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. (LA)

I've been getting denied for mortgages, new credit cards and loans for over 2years now due to inaccurate information being reported on my credit profile. Experian stated that my accounts were properly investigated but how is this if all the status update are 2-3 years old. If they did a proper investigation, then those dates would reflect something ending in 2022 but that's not the case because no real investigation was done. I've circled all the violations made by Experian in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a 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. 

Also they took more than 30 days to complete my investigation
Consumer complaint received 2018-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MO)

I was incorrectly billed for two visits or exams at an XXXX XXXX facility during a single visit that took place on XX/XX/XXXX. 

After many, many conversations with hospital billing and my insurance company, the alleged debt was then sent to their collections and subsequently to an external collection agency. I submitted proof of the error ( including my insurance EOBs ) to the hospital 's billing department and to the external collection agency on XX/XX/XXXX. 

I received a response from the collection agency stating that they found that the coding on the claim was correct, but with no proof or evidence to back it up. I sent a letter asking for evidence on XX/XX/XXXX. 

I then received a collections call from a different company sometime in XX/XX/XXXX ; I told them that I had submitted evidence of incorrect coding/billing previously and refused to pay a bill I do not owe. 

Subsequently, I have received notice from another collection agency on or around XX/XX/XXXX, dated XX/XX/XXXX, giving me 30 days to dispute.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am waiting from someone in capital ones cooperate office to call me or email me I have written to XXXX XXXX and XXXX XXXX and not one time has anyone contacted me at all they refuse. everytime I call customer service I just get a supervisor and no one higher you can ever talk too getting really frustrated and want to talk to someone in ther cooperate office and have a conversation with some one there