davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions.

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX XXXX which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from 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  Unspecified **Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I have also filed a report with Truist Bank 's Identity Theft Victim Assistance Group and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being.

- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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. (IL)

XXXX, XXXX XXXX XXXX Trans Union is Reporting a late payment for XX/XX/2022 for XXXX. Also theyre reporting the wrong amount that was paid. 

These Bureaus have not verified or deleted XXXX XXXX XXXX from my credit report. These are not my student loans.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (AZ)

total amount is {$470.00} to XXXX XXXX. I returned and paid off all of my remaining balances before I moved to the home I purchased. I'm still not sure what I owe? but I believe its because the equiptment I mailed back to the company was not received. I don't recall ever getting a call from XXXX  to attempt to collect a debt. I only got a call from Waypoint and they did try to collect that debt. 

I've called waypoint a few times and attempted to pay off the balance only if they agree to remove the nagative mark or allow myself to remove or delete the negative mark on my report. all 3 times they refuse to email me, write or verbally agree on the recorded line to allow me to delete or remove it from my report myself. 

I don't feel like its fair to pay for this balance since I never had the opertunity to pay it off before it became a collection. I don't was to settle, I would like to pay it off in full asap. 

this complaint is with Waypoint and XXXX XXXX.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Experian Credit Reporting Agency - Unable to place credit freeze. I have already mailed information, received credit report that I had already pulled online. Credit report number XXXX. Their system says this is invalid. I also found the last 4 digits of my social security number incorrect on report. I can not reach anybody and keep getting kicked out of their system. I only have online contacts or phone numbers that go nowhere.
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (MI)

On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

In XXXX, I used Visa Gap Credit Card managed by XXXX  to purchased international airline tickets for my parents to come visit from XXXX. Flights were canceled due to travel restrictions, then the war started... 

I kept in contact with the XXXX XXXX in order to extend my travel certificate and on XX/XX/XXXX they unexpectedly issued a full refund " to the original form of payment ''. However, the Visa GAP credit card does not exist anymore. 

In XXXX, Gap Credit Card became Master Card and all accounts were moved to Barclays. XXXX assured me that the bank that issued the card ( XXXX  ) would send me a check even though I no longer have an account there. I called XXXX, they said that there is no record of any refunds and if there are any, it would be handled by Barclays. I called Barclays and they said that they have no records of any transactions prior to XXXX and no refunds were posted. 

I had an extensive communication with XXXX XXXX XXXX ( including through XXXX  ). They've conducted a thorough investigation and assured me that the amount was successfully refunded back to the original form of payment. Its been almost three month now since the refund was issued. I spent many days on the phone with both banks and XXXX trying to locate my money and now I am hoping for your help. I have receipts for two refunds ( one per each ticket ) - {$620.00} each or {$1200.00} total, but I have not received that money and I don't know who is responsible - XXXX  or Barclays.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

Hello I would like to report credit karma for showing false ads on credit cards I was approved for. This made me apply to credit cards and get declined which affected my credit score. Credit karma has done fraud and because of credit karma false approval postings, my credit score was affected negatively.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. 
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. 
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.
Consumer complaint received 2022-09-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (FL)

I contacted my credit card company to get on a plan to pay off some outstanding debt on a closed card. We agreed on a {$15.00} min monthly payment down from {$25.00}, but interest is still being charged, meaning that I can only pay less than {$10.00} a month altogether. Is their anything I can do to stop the interest from piling up?
Consumer complaint received 2022-03-10
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)

There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is XXXX.
Consumer complaint received 2019-10-27
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-03-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been working on repairing my credit after I found out I was involved in the Equifax security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX Informat Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2018-03-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (KY)

I have called XXXX XXXX , XXXX to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date :XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   Date:XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
Consumer complaint received 2017-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.