davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NV)

When my husband was XXXX XXXX XXXXXXXX XXXX he opened a new bank account and moved all of outlr joint account funds to his new account. I later began difficult on my own after I did research on what financial abusers are likely to do, and I started calling companies to find out what was in my name so that I could fix anything I found. I called Wells Fargo fraud department to see what I could find. To discover that a card I thought was in his name and I was just authorized to use was the opposite. I never took out any of the 4 credit cards in my name or gave him permission to do it. I knew he took out my student loans, because he asked my permission. I did not know that the wells fargo, the 2 XXXX  XXXX credit cards, or the XXXX XXXX were in my name. I never applied, I never saw a bill, I never got a statement. I found that all of the online banking for each were in his contact information. ( His phone number, his XXXX XXXX XXXX his email address, and he made the passwords to access them ). When I called Wells Fargo I had them look into his charges and tell me if any seemed unusual. They said no. His usual spending. I asked for a copy of all of the statements, and they mailed them to me. I gave them to my divorce attorney. I thought that it was something that the district Court Judge would order him to pay. But he did not. The {$13000.00} charges were all made by him and during our separation not before. He acted like the card was his. I had to ask permission any time I used it, and he would take it away when he was XXXX about money. I believe the charges were made after I was awarded in court a temporary emergency household child support payment when he left our joint bank account at XXXX. I pulled my credit to look at it when I saw the other credit cards I didn't know about. The only one with charges he made was the wells fargo. He used to pay all of the bills, and I didn't know he stopped paying the " credit cards that were mine '' I didn't know they were mine and I didn't know I had any bills to pay. I didn't know that he would only ruin my credit if he used a card that both of us had. So I didn't look right away after his XXXX. I called XXXX XXXXXXXX and after hours was relieved that there were not outstanding balances. I called XXXX XXXX and was also relieved it has a XXXX balance. My credit report says that wells fargo has turned the debt over to collections. He also put all of our assets into only his name. Spent all of our community money, and divorce court can only give me his equity in our condo to repay his waste to try to divide equally our assets.
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Velocity Portfolio Group (MD)

I have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted XXXX call many time starting from XX/XX/XXXX police report and ftc XXXX never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX XXXX my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show XXXX also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: American Student Assistance (CA)

In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.
Consumer complaint received 2022-07-20
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. (MD)

To : XXXX XXXX XXXX, XXXX and XXXX ; XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX d/b/a TransUnion This complaint serves as my FINAL opportunity to cure and request for Monetary relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
The account below remains open. How did you verify this account? Please provide the information you received as well as the contact information of the person you interviewed during your investigation. Please be advised verification via E-Oscar is not valid. Other Credit Reporting Agencies have not been able to verify these debts are valid ; XXXX XXXX  None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer. 
You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance. 
Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.
Consumer complaint received 2022-07-20
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

XXXX XXXX refused to open my account located on XXXX XXXX XXXX, Ny XXXX. Bank manager XXXX told me that his boss wont open my account after he told her there was an error with XXXX XXXX.
Consumer complaint received 2022-07-20
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2016-06-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NM)

This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello I have tried for XXXX week to get money returned to me from closed account from Bank of America I had a checking account which was closed Bank of America stated they will mail out a check on XX/XX/XXXX As of XX/XX/XXXX I have not received this check. When I inquired about this I was told I would need to wait 120 days before a stop payment can be issued. 
I am not sure why my money can not be returned to me and definitely do not understand why this process takes 120 day to complete. 
I also requested the money sent electronically but this can not be done either. 
I believe I have been very fair about this but this matter need to be resolved. 
I am requesting for Bank of America to refund my money approx. XXXX dollar immediately not 120 days from now. 
Any help or suggestion you can provide would be greatly appreciated Please contact me by email XXXX Thank You XXXX XXXX
Consumer complaint received 2023-03-30
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and XXXX.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion & XXXX several times about XXXX XXXX XXXX. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 an account without my instructions.

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

credit card account XXXX XXXX account was closed by creditor and charged off the amount was 250 now reporting as 0 in closed accounts but this collection agency portfolio continually keeps reporting it as open with a balance that is wrong and fraudulent. I have tried to get this removed through dispute on XXXX  only and the collection agency portfolio reset the date illegally on my credit report instead of correcting error and removing the information. I want this false information removed immediately.
Consumer complaint received 2021-01-25
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: ALLY FINANCIAL INC. (MI)

Credit reports were run and I never authorized nor provided my social security number to these sources. Someone has my social security without my permission. I only went to XXXX XXXX. Only was run or permitted for that source. Someone has run my credit 4 times after that completely against my permission.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I contacted Capital One and requested that they provide me proof of the debt by providing me the original contract and they did not. During this time that they said I open the credit card the apartment complex mail boxes were broken into. I never had a credit card with Capital One and they have not provide valid information to prove that this is my account.
Consumer complaint received 2023-03-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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 (CA)

I signed up for a software subscription for approximately 6 months. I attempted to cancel the subscription and the software company kept charging me. I emailed the company directly to get them to reverse the charges and cancel the subscription without success. 

I filed a dispute with my credit card company. During the dispute period the software company added more charges on my credit card. Capital One allowed these charges to go through despite the fact that they had been informed that the software company was not authorized to withdraw from my account. 

This subscription is {$220.00} per month and had been going on for a year before I escalated to CapitalOne.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (TX)

In XXXX I started getting calls from XXXX XXXX XXXX XXXX at least 4 times a day from early morning until late at night. They would not answer when I said hello, and they did not leave messages. I spoke into the phone and told them my number is on the National do not call registry and not to call me any longer. On XX/XX/XXXX, I screamed into the phone asking 4 the caller to identify himself. Apparently he was taken aback and muttered a name which I didn't catch. He told me the company he was calling for was Credit Management in XXXX, Texas. Once more I told him my number was on the National DNC list and I had told him previously not to call me. He said OK and hung up. I got your request via email for this information, but over the last 3 weeks your portal and password resets have not worked. The XXXX phone number has not worked either. Today someone finally answered the phone, but she was ignorant and rude and would not listen to me. This is all the information I currently have. If you need anything else, please make sure your contact parameters are working before you contact me again. I appreciate your help and want to assist you in any way I can, however, there is nothing I can do if your communications do not work.