davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
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)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2021-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I received an email from XXXX XXXX on Saturday, XX/XX/XXXX informing me that there was a hard inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. I had never heard of this bank nor did I request credit from them. 

I contacted TransUnion by phone today ( XX/XX/XXXX ) and they confirmed the hard inquiry on my account and said I should contact the FTC to file a complaint and have the hard inquiry removed from my account. I called the FTC and was referred to XXXX where I was then transferred to this website.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

We submitted a wire to XXXX XXXX on XX/XX/21. Wire was submitted to there United States bank account ( XXXX XXXX ) after 2 days. XXXX XXXX confirmed there payments team had no records of a wire transfer from my account. XX/XX/21 chase bank got in contact with XXXX  and were told the wire was missing information and thats why its being held, no communication on what the missing information was. Chase bank filed a recall on the wire the same day XX/XX/21. Ive been in contact with XXXX XXXX daily to confirm no changes, They still show no record. 
Wire amount XXXX.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth financial are reporting inaccurate and incomplete credit information. I am distressed that they included the wrong information in my credit profile and 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
Consumer complaint received 2018-03-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have purchased online some XXXX  bags using my credit card with total amount XXXX dollars on XX/XX/2017. Unfortunately, i received fake XXXX bags. I tried to resolve the matter with the merchant but all my tries were useless. I have disputed the charge and talked to the Bank about explaining what happened. The Bank agent asked me to provide some documents so i did. however, the bank asked me to get a second opinion on that merchandise i received and this should be on a letter head from a store that have the expertise to define genuine XXXX bags. I have tried very hard to get that letter but no store accepted to give it. i get back to the bank telling them about what happened but they refused to consider it. I went to XXXX store and the assistant manager check the merchandise and told me that he can not write a letter describing the merchandise but he instead can give some information on XXXX store business card and he said he was happy to explain that on phone if the bank what to get more details about that matter. i got back to the bank telling them that this was what i can do since no store want to give me that letter on " letter head ''. I talked to the bank today and they refused to accept that and they insisted on getting that second opinion letter on letter head. Now, my account was charged and my credit report was affected, and I want this matter to be solved.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

ComenityBank/XXXX - XXXX is reporting an erroneous late on my credit file. I recently checked my credit file and noticed this late notation. When this late happened i was unaware that my payment was late so i called in and spoke with a representative from Comenity Bank. I paid it off in full and the rep said my account WOULD NOT have a late on there. I have been a customer for a long time and i have NEVER been late. I need Comentiy Bank to follow their word and remove the late that shouldn't be there to being with.
Consumer complaint received 2022-11-16
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. (NY)

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX Account number. XXXX. XXXX XXXX services Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( reporting to XXXX, XXXX and Equifax ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

List of Unauthorized Inquiries : XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (PA)

I never applied for a student loan educational which was incorrectly reporting on my credit report # XXXX Then they sent it to collections I have been disputing since XX/XX/2020 I need this removed and blocked from my credit file
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and XXXX XXXX and XXXX are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (CA)

on XX/XX/2020, XXXX XXXX my care giver contacted XXXX XXXX XXXX XXXX who was referred by my landlord. I was just released from XXXX XXXX  from XXXX XXXX she spoke with employee XXXX at XXXX i was XXXX and had no knowledge of the call at this time due to my XXXX and medication. I was told about the conversation later. XXXX ask mr XXXX could his company provide video footage to her cell phone while away from the home because she was a care giver and taking care of a patient who just had XXXX and XXXX XXXX and could not get XXXX XXXX XXXX he said that they could provide the service for XXXX dollars a month and XXXX up front for equipment when the technican arrive she said ok and sign my name on the contract with out my approval .The technican arrivied on XX/XX/2020, he also install the new alarm and small motion detectors inside the house with out my knowledge he then activated the system. XXXX then ask him how does the video footage work on the cell phone he pulse and said what are you talking about she explained that mr XXXX confimed that the company could provide this service while she was away from the house he said he could not provide this service and mr XXXX gave her the wrong information she then call XXXX to cancel the account. MR XXXX said he was wrong and apologize for the miss information i told her immediately to cancel this service and get it out my name please.XXXX said he would cancel the account since he lye about service but he could not refund the XXXX dollars at that point we said cancel the account and we would like to speak to a supervisor he hung up the phone. the technican gave us supervisor XXXX XXXX number XXXX, i call him and told him again i dont want this service and please make sure its cancell because XXXX lye about the video footage to the phone he said can we something else out we said no thank you and hung up the phone i then noticed i was receiving serveral emails stating the alarm was not activated over 50 emails i call him back and said XXXX told me the acount was cancel he stated ok and i will make sure of it he lye.we never activated this service and have proof of that i also email them to cancel the account and call the automated service serveral times .i later received a letter from collection agency hillcrest davidson XXXX i later learned it was report to XXXX credit report, report number XXXX for XXXX dollars, my credit score drop 58 points from XXXX to XXXX this is wrong for this of trying to extort money from me and should be a crime i am XXXX  years of age shame on them i filed a dispute wih XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX XXXX.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-04-08
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXXXXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section XXXX ( XXXX ) & FDCPA XXXX, Under XXXX. V lid i XXXX XXXX XXXX Mi XXXX Mi XXXX XXXX XXXX i XXXX ( XXXX ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( XXXX ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO XXXX. I also have reported this account to the FTC, and XXXX Police XXXX. I need this collection account to be removed from my credit report. XXXX XXXXXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2021-06-01
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 (CA)

Name : XXXX XXXX Phone : XXXX e-mail : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I booked an award flight with capital one on XX/XX/XXXX redeeming XXXX capital one reward points ( Trip ID # XXXX with capital one, and Agency Reference Number is XXXX ) for 4 passengers flying one-way on XX/XX/XXXX from XXXX XXXX, CA to XXXX XXXX. The flights were reserved using capital one reward points to fly with XXXX airlines. The airlines ended up canceling the flight for what seems to be based on covid-19 concerns, but they were never reachable since before then. On the other hand, I tried communicating my request for a refund or flight credit with capital one, but they also indicated they are not able to reach out to XXXX airlines. I reached capital one via the following numbers XXXX and XXXX ( for their travel department ) since XX/XX/XXXX and throughout almost every month after ( more than 14 times and wasting many hours of being on hold and getting no where with them ), and they finally opened case # XXXX with their travel center in XX/XX/XXXX acknowledging that this is something they would be able to resolve. Capital 's initial claim back then was they would keep on trying to reach to the company for issuing me the refund, and they would give me monthly updates. The fulfilled that promise for 2 months only and then never called after, at which point I started calling them back myself again. On XX/XX/XXXX, I called capital one again, and they told me the company XXXX is out of business, and capital will be therefore refusing to refund the points back to me given that the company is not responding to them. 

My request is to at least refund me the XXXX capital one points back to my account given that the booking was fulfilled with capital one and I was never able to be even given that flight or a replacement.