davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-28
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: GOLDMAN SACHS BANK USA (TX)

Starting back in XX/XX/XXXX I was charged for merchandise for XXXX on XX/XX/XXXX that I did not receive. Back then the company was XXXX but was bought by another company now. I checked my outdoor cameras, asked neighbors, and confirmed with the merchant they did not have proof delivered and I did not receive the items. This merchant has an XXXX XXXX XXXX XXXX website for lousy service, and no surprise never credited me after numerous calls so I opened a dispute. The Apple Mastercard has added and removed the credit for this XXXX 3 times. Over 5 months I have had to reach back out to them to re open the dispute. Doesn't there have to be an end to the dispute after 90 days??
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (TN)

i was XXXX title max keeps calling me XX/XX/2021 and they keep calling me about a car that they should have came and got they got the title and they knew the address where there car was they should of came and got it instead of harrassing me
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I sent an email and letter to Capital One : " Earlier this year, I made a settlement payment to pay a total of {$1700.00}. I paid that off in XX/XX/XXXX. I sent a letter months later asking to have the account removed from my credit report but was denied. 

I would like for you to understand that I have been going through a very hard time dealing with XXXX, XXXX XXXX, and family death, however, I managed to pay the settlement in full. 

I'm planning on buying my first home and since the account hasn't been removed, that has stopped all proceeds with my lender until this old, closed account is removed. I know it's scheduled to be removed in XX/XX/XXXX, but I would like to know if it can be removed now since it is paid. Please consider removing the account as it is negatively affecting my current chances of purchasing a home. '' I recvd a call from Capital One and they still refused to remove since it was paid. They tried to tell me that they don't remove accounts until the 7 years are up, however, I have testimonials that they do remove especially if the account was paid. They didn't give me any other reason as to why it couldn't be removed. I have sent numerous letters since I paid the account in full and they resend letters without description of why and no verification as to why it should stay on my credit file
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

XX/XX/2020 {$3000.00} Cash was accidentally sent when attempting to check money transfer status in Xoom. Same amount was sent again. Attempted to contact multiple times within 30 minutes to cancel transaction. By the time I got a response 30 minutes had passed and they said to use a different email. When I finally used the requested email they said there was nothing they could do as the transaction had already processed. I let them know that I had attempted to contact them multiple times right after the transaction happened but all they said was their records indicated the " correct '' email requested after 30 minutes.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I 've fell behind on my payments with navy federal credit union, car loan, credit due to unemployment after I received another job my car was repossessed and I paid nfcu my payment and the repossession fee which turned out to be XXXX dollars my vehicle still was not released due to nfcu telling me I would have to pay the repo company there share which is now XXXX also my checking account was overdrawn XXXX dollars and they closed my account along with my credit card account I 've noticed I 've been spending more money than I started off paying I believe I 've paid half of my car loan off by now but it appears as if my car loan has became the same price as when I purchased it, also the bank told me I would have to pay them before they were to re open my account which is strange considering my account had direct deposit and they closed it out
Consumer complaint received 2023-04-05
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/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 2022-06-16
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-16
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One, charge off of {$3000.00} - This account showed my longest payment history and was established before I started my business. I worked out a payment plan with Capital One which would be in three payment installments that would keep my account active. After the arrangement was made the first payment was made over the phone with an agent. ( Have record ) I made the second payment on time and because of the approaching holiday season in which funds can get depleted fast, I decided to pay the final installment in advance at the agreed-to amount. The XXXX  system Capital One uses marked my final payment as unpaid and my account was quickly closed. 

I've sent several certified letters to Captial One in order to get my account reopened and I get back very generic letters from them. I did not want to lose my almost perfect pay history with that creditor and now that I own a business this derogatory mark on my credit file is causing me great financial harm. 

Lastly, I have several documents that support my claims and show the efforts I've made to resolve this issue. 

Thank you, XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act, XXXX XXXX, account # XXXX, has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Respected Director, Unfortunately, I have recently become aware that this account has been opened fraudulently without my consent or authorization. After thorough investigation, I have determined that I am a victim of identity theft, and this account is XXXX of the unauthorized accounts opened in my name. 

In accordance with the Fair Credit Reporting Act, I hereby request that you take the necessary steps to close this fraudulent account from my credit report as soon as possible. Additionally, I request that you place a fraud alert on my credit file to prevent any further unauthorized activity. 

Enclosed with this letter are copies of documents supporting my claim of identity theft, including police reports, identity theft affidavit etc. Please review these documents and proceed with the closure of the account accordingly. 

I also request that you provide me with written confirmation once the account has been closed and any associated derogatory information has been removed from my credit report. 
This company hereby, deemed as Jefferson capital systems llc popped up on my credit report. I have no idea, as so before also I tried to resolve it and the original creditor such as XXXX XXXX got all info but I am not cognizant why again and again this shows up. My CAR AND OTHER VITAL documents were stolen in XXXX, California along with my ssn and other stuff. I have no idea of this account and all so I please request the authorities to take necessary action and close it immediately. I am attaching all evidence again and I am a student or was an Intl student when this happened. Please I sincerely request to resolve this matter and close the account. 

I know Identity theft can have long-lasting effects, so it's essential to remain vigilant even after taking initial steps to address it. I know regularly monitor my credit reports and financial accounts for any signs of suspicious activity. I did also file with Federal Trade Commission ( FTC ) before. 
If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-16
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-16
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. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX  added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. In XXXX, I was a resident at XXXX XXXX XXXX XXXX XXXX, GA XXXX. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt. 

I also never in XXXX, TX at XXXX XXXX. This is a fraud account.
Consumer complaint received 2022-06-16
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a Walmart rewards credit card and used it for about 6 months till I got XXXX. Back in XXXX up until XX/XX/XXXX ( now ), and when I got released I went to try and access my capital one account and since I'd been in XXXX and XXXX  so long I lost my phone my number my emails ... Everything for security verification for accounts I had were all lost. I called Capital One and entered my card and it redirected me to collections agent. They said I owe over {$900.00}! I had, had just about {$100.00} owed balance when I was XXXX  I believe. So at first I thought maybe it's fees from over time and I made a {$20.00} payment. But later I realized that it had to of been used and maxed out because It just doesn't make sense. I would never come close using up to my credit limit. Only buy what I can afford to pay back that month!. So I really need help with this. I'm going to leave documents of the times I was in XXXX  and till the times I was XXXX  but keep in mind that most all of them when I get released, it's into a XXXX XXXXXXXX. If you can look at the transactions on the card and see when it was used and compare it to when I was in jail you should see it wasn't me that made that transaction. 
Also I have a XXXX XXXX XXXX account, and a Kohl 's Rewards credit card. The Kohl 's card I got sometime between one of my ins and outs of XXXX, because I was told I had good credit at the time so that's what makes me believe someone used my card after I applied for the Kohl 's card. I had no access to my capital one at all after I was originally XXXX. 
Thank you for your time and I look forward to hearing back. 
Also I have no access to the Walmart account at all, so I can't personally see any transactions that were made.