davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Accounts are : XXXX {$2300.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$780.00}, Inquires ; XXXX XXXX, XXXX, XXXX XXXX, equifax mortgage, XXXX XXXX, XXXX and XXXX  Please remove any inquiry within the last 30 days.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (TX)

Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number XXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. this company add a different amount and different dates in XXXX report it was reported XX/XX/XXXX when previous report the company was going comply by deleting this account from my credit report XXXX. 
previous complaint XX/XX/XXXX complaint file # XXXX Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number # # # # # XXXX Original Amount Owed {$3300.00} Amount {$4000.00} XXXX XXXX
Consumer complaint received 2021-02-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

Hunter Warfield, acting on behalf of XXXX XXXX XXXX XXXX XXXX, is trying to collect {$1800.00} in debt for which I do not owe and has also not provided any proper written notification, violating The Fair Debt Collection Practices. My relatives and I have received numerous calls from Hunter Warfield. They have no authorized authority to contact my relatives and have used untruthful alias in attempts to have my relatives provide them with my personal information. 
Hunter Warfield has also unlawfully reported this debt to the credit reporting agencies resulting in it being reflected on my credit report. XXXX XXXX XXXX XXXX is already being sued for its actions and the lawsuit is still ongoing XXXX Case # XXXX ). XXXX XXXX is trying to get around the lawsuit by seeking to collect without answering the lawsuit by sending the case to Hunter Warfield. Even by sending the case to collections XXXX XXXX did so without following the proper legal process.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Hello I am writing this complaint about a letter that was sent to me from a company called Credit Collection Services for a collection amount of XXXX. I reached out the company on XX/XX/21 and explained to the representative that this was not my account and they continue to proceed with collection. I did let them know that I do reside at this address but the insurance company is reporting the information incorrectly on my account. I already reached out to the former collection agency in which this account was first sold to and they removed all obligation to collect from my credit and personal record. This is reporting wrong on my credit on XXXX, XXXX and XXXX and I would like it to be removed..
Consumer complaint received 2019-06-06
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. (GA)

XXXX ; Experian and XXXX  are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a XXXX in XX/XX/2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX my account was hacked from someone I am unaware of. Bank of America has been giving me a hard time retrieving my money. Every 2 weeks they say its has been extended due to a claim that is still open. I have contacted them every 2 weeks and all they say is you have to wait. They do not offer any extra assistance. I was told the account will be closed and the money would be available to me XXXX XXXX, then XX/XX/XXXX, next XX/XX/XXXX now its XX/XX/XXXX. I have not been able to pay my bills because everything I have is in the bank. I am pending eviction. I need my money out of this bank. BOA has made my XXXX negative because they took money from me.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

{$500.00} was fraudulently removed from my Wells Fargo bank personal checking account and has not been refunded to me. The transaction occurred on XX/XX/19 at a bank branch approximately XXXX miles from my home. I did not make the withdrawal.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NM)

Velocity Investments LLC out of New Jersey represented by XXXX XXXX  XXXX XXXX is suing me for a debt I do not owe them. They tried suing me in metropolitan court in XX/XX/year> case was dismissed and now suing me in XXXX XXXX court. Debt collector would call excessively and threaten action against me in years XXXX. Told them I have no knowledge of debt and what they want. Judge dismissed case in 2023 and now debt collector trying to sue me again, sending me excessive documentation requesting me to admit to statements. I am with limited sources and having to tackle this by myself, trying to get sanctions against me. This debt collector has multiple FDCPA violations reported against them online and its practices are misleading, abusive, and unfair to consumers. Help me please. My credit report shows {$0.00} balance for said debt from original carrier.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wrote to XXXX  ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both Experian and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XX/XX/2019 I tried to get my credit report and score and all efforts prove futile, so XX/XX/2019I called Experian, XXXX and XXXX and was told that they are unable to process my request because there are some discrepancy with my social security number. Once I heard that I immediately contact XXXX and told them what I was informed of and they told me that they dont know why I would be told that by the bureaus because I am verified via their system. 
I am who I say I am and I dont know why it is that i am being told I have discrepancies on my social security number when I just got my number this pass XX/XX/XXXX. Please help me fix this problem.
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. (CA)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
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 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 2021-02-04
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. (CA)

I recently, submitted a dispute to Transunion about the way XXXX XXXX is reporting on my credit report. On, XX/XX/XXXX, I received a response back from Transunion stating that JXXXX XXXX  has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) Transunion reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, Transunion reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, Transunion fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that Transunion did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (VA)

I opened a savings account with Comenity XXXX bank on XX/XX/XXXX. I funded the account with $ XXXX/XXXX from another savings account that I have with another bank ( XXXX XXXX ). 
Comenity Direct put my account in 'Restricted ' immediately. 

They sent me a secure message in their online banking website asking for copies of my driving license, social security card and XXXX form. They provided me the option of sending the documents either my postal mail or through their secure message on their online banking website. 

I submitted the information they requested on the same day i.e. XX/XX/2021. 

I contacted them various times using their online secure message and also on phone about when they would remove the restriction on my account and when I would be able to withdraw my money from my account. 

Every time I was told that the information is still being reviewed. 

I called them today ( XX/XX/2021 ) on the phone and they told me that they received the documents and there is nothing further needed from me. Yet they did not remove the restriction on my account. 

Despite numerous follow-ups with the bank, they keep on saying that the documents are 'being reviewed by upper management '. 

So I asked them to close my account and refund me the money. They refuse to do so. 
It has been one month without the bank letting me withdraw funds from my own account. 

They are holding my money hostage on a flimsy pretext of 'upper management is reviewing '. This, in my opinion, amounts to fraud / theft as the bank is refusing to let me withdraw money from my own savings account without any legal reason.
Consumer complaint received 2021-02-04
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. (TX)

I have filed several requests for XXXX  XXXX  and Transunion to remove a fraudulent item from my credit report under the name of XXXX XXXX  XXXX  and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  XXXX  and Transunion  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX  XXXX  and XXXX  XXXX  XXXX XXXX and Transunion clearly stating that I did not open or authorize any account from XXXX XXXX  XXXX  and XXXX  XXXX  XXXX. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XX/XX/21 I opened an online dispute with Experian with regards to the accuracy of the bankruptcy they have listed on my report. I specifically disputed the court name and the reference number of the bankruptcy. On XX/XX/21 I also uploaded dispute documents on experian.com/upload and received confirmation that documents were uploaded. On XX/XX/21, I received a response stating that the information reported is accurate. I proceeded to call their dispute center and on my first attempt, I was greeted by a very belligerent agent named " XXXX from the XXXX team '' who was very unprofessional and refused to transfer me to a supervisor, after giving me some confusing answers. On my second attempt, the agent was more professional however, he told me that he had to transfer me to the department that would be able to see the documents I uploaded. It just so happened that the person he transferred me to was just another one of his colleague, who was definitely more professional and confirmed to me that there's no such department. 

He told that he could not see any of the documents I uploaded which leads me to conclude that 1/Experian did not care to verify the documents I uploaded to support my dispute and upload them into my profile ; 2/ I'm seriously concerned about their statement that " The company that reported the information has certified to Experian that the information is accurate. ". It shows that they did not actually investigate the disputed items because I did upload proof that their furnisher of the bankruptcy removed the erroneous bankruptcy item from their report, as they were reporting it inaccurately. So this is a blatant lie. 

If this isn't proof that they did not bother to actually investigate this dispute, then I don't know what it is. I sent those same documents via mail on XX/XX/21 however I doubt the outcome will be different. 
I have reached out to their furnisher of the bankruptcy and I was told they did not receive an inquiry from Experian to verify the bankruptcy however, they have submitted a request for a " manual verify ''. I reached out to Experian again and the person I spoke to just reopened another dispute. At this point I'm not confident they actually investigate these requests. 
It seems like I don't have any options other than taking this matter to the next level.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I wrote to Oportun ( formerly known as Progreso ) at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.
Consumer complaint received 2021-02-04
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. (GA)

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without my consent or knowledge solicited several different financial lenders with my credit report. 

The internet manager XXXX XXXX, emailed me a application for XXXX XXXX XXXX, to apply for credit through XXXX XXXX XXXX. 

On XX/XX/2021 my credit alerts where sent to me indicating that several inquires where made for my credit report. 

That evening the sales dept. called and informed me that they found someone to do the loan. I expressed to him that I inquired about a loan only through XXXX XXXX XXXX and his reply was that he could nothing about the unauthorized inquires he made, but stated he was sorry and was only trying to get the loan. 

I feel he was trying to get himself a commission by throwing me and my credit under the bus. I NOW HAVE SEVEN INQUIRES BECAUSE OF XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the XXXX Account # 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 2021-05-02
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)

Hello on XX/XX/21, I submitted a compliant through your system on the credit bureaus reporting inaccurate and unknown items on my credit report. I received a notification stating that my compliant has been received and recently checked to see the status of my compliant only to find that my case has been closed. The reason states that " We have contacted you to let you know that we need additional information about your complaint. We haven't heard back from you. Without more information we couldn't process your complaint and have closed it. '' I searched the website to identify what information was needed, but no where on your site does it state what information you need. This is extremely frustrating, it I sent my initial compliant on XX/XX/XXXX and it is now XX/XX/XXXX and I am still in the same place that I was when I started. I have not received any information from the bureaus nor has your office stated what information is needed for my compliant. What is the point of having a governing body if even your company does the same thing as the bureaus which is ignore us consumers. Which brings me to this question, what is my next step if even the CFPB will not protect me??? and clearly in your name is Consumer Protection Bureau ... Can someone please help me address this issue, I was looking to purchase a home by this summer but that has had to be postponed due to the negligence on both the credit bureaus and the CFPB part. I request that the following items on the documents be removed immediately or a compliant will be filed to the attorney general about both agencies.