davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing in regards to my rights being violated with all three credit bureaus, XXXX, XXXX  and TransUnion. I have a inaccurate information on my report that I have tried on numerous of times to dispute with the three bureaus and they will send me back a report stating it was verified. Upon the letters claiming to be verified, I asked not to be verified by the e-Oscar system, that they need to provide me with the information verified from the creditor. Therefore I am writing to you to report the three bureaus have violated my rights and I would like for these unverified, and inaccurate items to be removed from my report. attached are the letters that were sent to the credit bureaus. I didn't receive a answer from some of the credit bureaus. I have sent many letters for them to delete these unverifiable and inaccurate information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-12-13
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. (CT)

My information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WV)

CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

In XXXX XXXX XXXX  XXXX XXXX had told me I owe XXXX for a free phone. I had informed them in XXXX I didn't not owe the amount. I am being charge wrongly I had to contact the complaint office, President office, corporate office, receivable office. it took until the end of XXXX. I just decide to pay the XXXX in full so I would not have XXXX XXXX XXXX on my credit, they found out I didn't owe the bill and they did a reversal and refunded my payment removed XXXX XXXX XXXX off my credit and cleared the account Before they had fixed the issue this company Sequim collection agency LLC brought the account from XXXX XXXX XXXX. began sending letters and calling I didn't know what was going on I called XXXXXXXX XXXX XXXX  back I was told that the account issue was cleared. I told them I had talked to a MsXXXX XXXX at Sequim asset solutions who was not very cooperative. XXXX XXXX XXXX response was the sent Sequim solutions to remove me off there account. It was reported to the credit bureau that my account was XXXX they were ask to release me from there account. by I was told because I never owed the bill. They are yet on my credit. I informed I was told they had contacted Sequim asset solutions to remove themselves off my credit they are yet in denial of removing Sequim asset solutions off my credit. Here it is XXXX and have yet to get this in correction. I have taped conversation of all party including Sequim asset solutions upon request of what all parties response was.
Consumer complaint received 2021-11-02
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 (WA)

I attempted to make a {$36.00} purchase and I was charged in fraud {$99.00} and {$180.00}. I went into great detail of how many times I attempted to call the company and explain this is fraud. I have filed a complaint with XXXX After 2 months of trying to dispute with Capital One I get a generic letter that they are unable to help me because I couldn't show them a piece of paper of cancellation. XXXX XXXX ( the fraud company ) didn't even send a confirmation or approval email after they fraud charged my credit card. I explained there is no paper for an online fraud charge. All I have for the merchant " XXXX XXXX '' is a phone number. MINUTES after the charges hit my card I called Capital One and cancelled my card and the agent called the company with me and we had XXXX luck getting someone from this fraud company. I tried calling and left a dozen messages over 2 months and now their voicemail is FULL. I can't get resolution with my bank and they will not acknowledge this fraud when this company is clearly and documented with XXXX as being a fraud company. I want my money refunded. I do not have any product. I was charged these 2 transactions without my consent or approval. I would like capital one to stop transferring me around just to tell me I need to provide proof that does not exist. All other card companies worked and resolved these charges from numerous other victims of this fraud. I have read over 200 stories online of people getting scammed the same as me. I have no faith in my credit card company. They need to see this is illegal for me to be charged all of this money when I never authorized it.
Consumer complaint received 2023-03-26
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. (OK)

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 XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (VA)

I disputes Net credit account credit account which is over seven years on my XXXX credit reports and XXXX said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Net credit keep reporting inaccurate information on my account and they need tot stop.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

A fraudulent checking account was opened online in Arizona on my name next to my business account in TD bank on XX/XX/XXXX. The bank tried to verify this account with a fake phone number provided. When they couldn't verify it, they froze my XXXX account and when my XXXX  complained about bouncing checks I found out that ther e was a problem in mid XXXX. Initially there was {$480.00} deposited on XX/XX/XXXX and then a check was written for {$430.00} on XX/XX/XXXX. then {$10.00} was paid on XX/XX/XXXX and the ending balance on XX/XX/XXXX was {$34.00}. 
The bank completed the investigation and closed the fraudulent and my XXXX  accounts. Gave me a case # and recommended to contact police for a report and websites dealing with identity theft.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE denied me credit. On XX/XX/XXXX CAPITAL ONE stated the reason for their decision was : Based on your application information, application submitted is incomplete or can not be verified. On XX/XX/XXXX CAPITAL ONE stated the reason why they couldnt match me with an offer because : income is insufficient for amount of credit requested. Credit is a right, not a privilege. Pursuant to 15 USC 1602 ( g ) and 15 USC 1635, I have a right to extend and rescind credit. Also, pursuant to 15 USC 1691-Scope of Prohibition ( a ) Activities constituting discrimination : it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. If I exercise ANY RIGHT, CAPITAL ONE is not allowed to deny me for credit. Credit means the right granted. Pursuant to 15 USC 1602 -Definitions and rules of construction CAPITAL ONE has to be granted permission from the ORIGINAL creditor ( which is me- the original creditor, natural person, organization, consumer, creditor, and person ). On XX/XX/XXXX CAPITAL ONE left an inquiry on my consumer reports. That is a violation of the FCRA. I did not give CAPITAL ONE permission to check my consumer reports nor did I initiate any transaction with CAPITAL ONE.
Consumer complaint received 2020-11-17
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: Bread Financial Holdings, Inc. (FL)

I noticed an inquiry on my credit report from Comenity Bank on XX/XX/2020 that I did not authorize. I called XXXX to dispute it and have it removed but, I was told to contact Comenity Bank. I spoke with them and they said they would look into it and get back with me. I didn't hear anything from them so I sent a certified letter to ask to have it removed. Still no response so, I contacted XXXX again to dispute it and they said they could not remove it until they get authorization from Comenity. I sent another certified letter to Comenity Bank and called again. They said they did not see an account with my name or where I applied for credit. They again said they would look into it to have it removed. It has been six months and the inquiry ComenityXXXX/bjsw is still on my XXXX credit report. I am looking to purchase my first home next year and hope I can get this unauthorized inquiry removed. Thanks in advance!
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. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to contact Bank of America for some time to discontinue billing me for debts that were not mine or incurred by hardships. The Bank of America moved into location on XXXX  XXXX. My neighbor was foreclosed on by Bank of America. Some of her debts were carried over into my accounts. My account with Bank of America was to have been closed in XXXX. I tried to contact the bank about a nursing home/hospital error my grandmother had incurred. She XXXX away in XXXX. Faulty banking practices contributed to the error. Since this time, I was also robbed at a XXXX. Thus, the Bank of America accounts stayed in my credit record. I would ask that the Bank of America immediately remove any debts from under my name in the credit record and notify all three credit bureaus that any debts were being removed and cleared from my name. 
It would be great to receive {$500.00} at least in damages from the Bank of America as they caused suffering to my grandmother and family ; had fraudlent accounts under my name.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (WI)

I have several inquiries on my credit report that I don't recognize which are XXXXXXXX XXXX XXXXr, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I even wrote out some of the duplicate inquiries on my report.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (IL)

I sent a debt validation letter on XX/XX/XXXX to Phoenix Financial Service this company has failed to validate my debt instead they sent I for regarding a procedure and XXXX codes which I know is a violation of Hippa regulations.I never signed a release form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : Capital One # XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX  on XXXX, University of XXXX
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

at XXXX XXXX. XXXX, I used XXXX app to purchase this item. But after I purchased it, I saw the seller has closed his store. I realized I got fraud and then I called wells fargo and contacted with paypal to report this case in the same day I purchased. but the seller proved a fake tracking number which means the tracking number is exist but the delivery address doesn't match with me, the XXXX choosed to trust the frauder and dennied my request.the wells fargo staff promised me they will invetigate this case by 10-15 business days, and gave me a temporiry credit on my card. after a month, there was no any information or notification for me from wells fargo, so I thought the case has done. but after 4 months, the last Saturday, XX/XX/XXXX. XXXX, my wells fargo account got deduction with no reason, the wells fargo staff told me because they dennied my request, so they reverse the credit. but they had never contacted me before, and they had not asked me for any evidence of being fraudulent with me, and even I could prove that the frauder did not send me anything before. But now that four months have passed, some proof is gone.
Consumer complaint received 2021-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Transunion 's inquiry issue. I have two inquiries with Transunion that I did not approve, I need these removed. I contacted Transunion and was not successful in submitting a dispute with them. I need the following inquiries removed from my file : DEPARTMENT OF EDUCATION dated XX/XX/20 and XXXX dated XX/XX/20
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (WV)

I took out a personal loan in 2018. I didn't pay it off due to not being able to work for my health issues. It is being reported on my credit that I owe twice as much as the original loan. I reached out to the creditor and was told that my defaulted loan would continue to accrue interest until paid in full. They wouldn't allow me to make a payment because they said I would need to pay more than I could afford. This loan was for XXXX and I'm being told I owe almost XXXX and it goes up by XXXX a month on my credit report.
Consumer complaint received 2020-06-03
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: Lendmark Financial Services (AL)

I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX  account number XXXX Is being reported on my XXXX  and Transunion credit report ; This account does not belong to me. I have made every attempt to notify the company and ask for its removal. The company has yet to do so. I need this account removed immediately.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

CONRAD CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $XXXX Date Updated: XX/XX/XXXX Last Payment Made: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX XXXX (Personal Services) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The company responded to my dispute with XXXX with documents that are incomplete and not within the requirement of account level documentation.
Consumer complaint received 2023-02-07
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)

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies Equifax XXXX XXXX did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all XXXX reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


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