davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I got know about this in 2 months, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was {$0.00}. 
On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity in XXXX  credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a request of documents from the bank so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Cap. One it was on XX/XX/XXXX and they transferred me to recovery department, the representative ( the name was XXXX ), promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account. Up today I no any information from anybody. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. I am attaching documents.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (WA)

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX and # XXXX Account name : XXXX XXXXXXXX # XXXX ALL has violated my rights. 15 U.S.C 1681 section 602 A. States 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

According to Sec. XXXX correction of third party debt collector or credit bureau files in the debt collection laws National Credit Adjusters is in violation of this law on XX/XX/21 and XX/XX/21 they sent a letter stating that they didnt have sufficient time amount of time to research the disputed item. However, they continued to report monthly to XXXX, XXXX, And XXXX  according to the law if a third party debt collector states that there has not been sufficient time to complete the investigation the third party shall immediately change the item in the relevant file as requested by the individual. I have requested in several letters to National Credit Adjuster to provide sufficient proof of the alleged debt with a WET SIGNATURE and contract from the alleged creditor. They have not been able to provide this information to me the entire year. I have requested that these two alleged debts to be removed from all three bureaus immediately. I also searched the state of texas website to see if this company was licensed, bonded, and registered to collect in TexaS.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (NE)

I don't have specific dates and times for each attempt except for yesterday, XXXX.XXXX.18. I have called and asked WellsFargo to help me lower my monthly payment and I keep getting denied. I don't understand. My other student loans let me lower the payments. They have never lowered their payment. With multiple student loans, I am struggling to pay them. I'm behind 90 days constantly.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-01-12
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: JPMORGAN CHASE & CO. (CO)

I was charged too much for a vacation car rental ( roughly double the original amount or XXXX USD too much ). I have two documents that prove the correct amount, one is the confirmation from priceline which I had used to complete the reservation, the other document is a statement from the employee of the car rental company that states the correct amount and explicitly states that no one-way fee was to be charged for the rental ( which is the main driver of the difference ). I contacted the car rental company multiple times through different channels. As nobody at the car rental company felt responsible for the issue, I disputed the charge with Chase. The first agent at Chase asked me to go to the car rental location in person ( which is located in XXXX, I am based in the US ) to resolve the issue. The second agent pretended to take me seriously but closed down the dispute a few days later with no explanation or resolution, despite the documentation I had provided. With the merchant being unresponsive, it is the bank 's responsibility to resolve this dispute but Chase does not take its responsibility seriously.
Consumer complaint received 2022-11-05
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. (TX)

MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX XXXX
Consumer complaint received 2020-12-09
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: Bread Financial Holdings, Inc. (FL)

I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The reason for this complaint is to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered a few inquiries that I have no knowledge of. Because I did not apply for credit with the following : XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 
those inquiries I have mentioned to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if those creditors is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company Portfolio Recovery Associates, XXXX has been trying to collect this debt which is not mine. I have repeatedly filed credit disputes on this company. 

This company has been trying to collect this debt since 2016 which is out of the statute of limitation 's to collect this debt. This company keep reopening this account with current dates which is false. 

Furthermore, this company is not licensed to collect debt in XXXX, Tx and I am requesting to stop sending mail regarding this matter and remove this debt from all ( 3 ) credit reporting agencies. 

The following is : Date:2016 Amount : {$610.00} Actions Taken : Filed several disputes with the credit agencies.
Consumer complaint received 2024-02-02
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. (NC)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NV)

This company magically appeared on my credit report for years now. They never sent me my initial letter. I disputed after I found them on my credit report which isnt fair. I have tried everything to pay them despite the fact i do not owe this to XXXX XXXX. I simply wanted it deleted if I paid. They refused. The last time I called the man was so rude on the phone. i requested a supervisor and as always they say someone will call you back and that Never happens.They violated the law. They owe me. i have paid so much for this stupid collection they never gave me a chance to dispute. They even admitted they sent my initial letter to the wrong address!
Consumer complaint received 2020-11-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/XXXX I researched an online company called " XXXX '' and thought they were legitimate. I placed an order for a XXXX XXXX XXXX outboard motor for {$1100.00} plus {$75.00} for shipping. Total {$1200.00}. The transaction was made through XXXX  against my Capital One Visa credit card. Later that day I read a disturbing account on the XXXX users message board that caused me concern that this was a fraudulent company. I reported a problem with XXXX Resolution Center on XX/XX/XXXX. I wrote an email to the company requesting a cancellation of the order. The email failed to be delivered, a permanent error. This, despite it being the advertised email address. I received an order confirmation from Fast outboards, order # XXXX on XX/XX/XXXX. Using the email address on the order acknowledgement, I sent another email requesting order status and once again the email went undelivered because an email address failure. I then contacted Capital One and notified them to please hold or reverse the payment, that the payment was in dispute because I suspected the seller to be fraudulent. They logged this dispute in their system on XX/XX/XXXX. Case number XXXX. They told me that the charge would be held for up to 90 days or until the merchant responded. on XXXX XXXX I received a tracking number via XXXX XXXX XXXX, number XXXX. I followed this over the next couple weeks. Supposedly the motor was shipped from XXXX XXXX to XXXX XXXX. A few days latter to XXXX XXXX. Then on to XXXX in XXXX, then to XXXX XXXX. All for {$75.00} no less. This was exactly the same as the horror stories I had read on the XXXX message board. Then the tracking information completely disappeared. Of course I HAVE NEVER received this motor. In the mean time I messaged the merchant listed on the XXXX dispute form. No response. 
In early XXXX I received a letter dated XX/XX/XXXX from Capital One stating that the merchant had provided information supporting the transaction, that no cancellation had been received and that Capital One would not honor my dispute. 
On XX/XX/XXXX I sent a set of documents to Capital One showing my attempts to contact the seller and cancel the order. On XX/XX/XXXX they sent an electronic letter in response that the information I had sent did not validate my dispute and they were closing my case. On XX/XX/XXXX I called Capital One and told them that I have never received the product. That i wanted to dispute the charge for that reason. Capital One informed me that they have a policy that a transaction can only be disputed for one cause and that they considered the case closed. I informed them that I would not remit payment for the {$1200.00} and that I would continue to seek resolution of this issue. I sent a written letter documenting this. 
Then I began researching my rights and came to this web site.
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (WV)

I took out an automobile loan with First National Bank of PA around XX/XX/XXXX which resulted in a repossession around XX/XX/XXXX. In reviewing my credit earlier this year on XX/XX/XXXX I pulled all three major credit reports and found that this debt was being reported twice on one report ( XXXX  ). The original debt was being reported by the original creditor ( First National Bank of PA for {$8100.00} ) and a debt collector ( XXXX XXXX XXXX XXXX for {$6200.00} ). At that time I placed a credit bureau dispute with XXXX that did not resolve this issue. Recently I started my journey to purchase a home utilizing a mortgage loan. In reviewing my credit history I found out that this loan was still being reported twice with ( First National Bank of PA for {$8300.00} ) and ( XXXX XXXX XXXX  for {$6200.00} ) but now the creditor ( XXXX XXXX XXXX ) is on two credit bureaus ( XXXX and XXXX ). When working with my mortgage lender, and at their request I called and removed the dispute language from my credit reports and also contacted the debt collector to find out who owned the debt so this error can get rectified. When I contacted them ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX at XXXX EST, I explained that this debt was being reported by both companies and was looking to find who owns the debt to clear up this error. I was told that this is normal practice for them to both report the debt. At that time I ended the call and discussed the best steps with my mortgage lender.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NC)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2023-02-16
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. (CO)

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat 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 Instruction. 
15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

Upon attempting to obtain my credit report online, website states it's unable to do so and directs me to obtain it via mail. No reason given as to why. 

Furthermore, Equifax ask for identity verification info from over 12 years ago.