davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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)

Upon further review of my credit profile It has been brought to my attention that I have been victimized by Identity fraud. I reviewed a copy of my credit report and Capitalone ran an unauthorized credit inquiry on me on XXXX XXXX 2021 .I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. Please contact capitalone and investigate such occurrence.I am requesting an updated copy of my credit report which should be sent to the address below. according to the provisions of 612 { 15 USC 1681j } there should be no charge for the report. In addition as part of your investigation please send the names business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX phone number XXXX. Id like to take this time to thank you in advance for your speedy cooperation in this delicate situation
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I fully paid off a debt that had been transferred to a collection agency by XXXX XXXX XXXXXXXX. It is important to note that the debt was sold to the collection agency without my consent, which I believe is a violation of my rights as a consumer. After paying off the debt in full, the collection agency assured me that the charge-off status would be removed from my credit report with all three major credit bureaus ( Experian, XXXX, and XXXX ) XXXX 

However, despite their promise, the charge-off remains on my credit reports, negatively affecting my credit score. I have contacted the collection agency and the credit bureaus multiple times since then to have the charge-off removed, but no action has been taken to correct this inaccurate information. 

The original creditor was XXXX XXXX XXXXXXXX, but they transferred the debt to a collection agency without notifying or obtaining my consent. I have attached proof of payment and correspondence with the collection agency confirming the debt was paid in full. Despite the debt being settled, the charge-off remains on my credit report, and I am requesting that it be removed immediately as it is causing unnecessary harm to my credit profile. 

*Dates Involved : * - Date of full payment : XX/XX/2022 - Date when the charge-off was supposed to be removed : immediately paid *Actions Taken by Companies : * - The collection agency promised to remove the charge-off but failed to do so. 
- I have contacted Experian, XXXX, and XXXX regarding this issue, but they have not removed the incorrect information from my credit report. 

*Relevant Consumer Protection Law : * Under the *Fair Debt Collection Practices Act ( FDCPA ) *, consumers are protected from unfair debt collection practices, including the unauthorized sale of debt. The sale of my debt to a collection agency without my consent could be a violation of this federal law, particularly if I was not properly notified. I request that the charge-off be removed from my credit reports with Experian, XXXX, and XXXX as soon as possible, and that my rights as a consumer be fully respected.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

US Bank fraud department froze my wifes debit card for transactions we made while having an ample amount of cash to cover said transactions. They failed to notify us of the freeze on the card. 

When we called in the to the bank and was connected to the fraud department, US Bank personnel refused to lift the freeze as they had determined internally that the card had been compromised.

One of the payments for which the freeze was put in place for was a for the premium payment made for my wifes medical and dental insurance through the XXXX XXXX XXXX XXXX. 

Their representatives refused to lift the hold on her card and hung up on us. We have no idea if a new card is going to be issued. 

This same card is utilized to pay for my wifes medication at the local pharmacy. We were told that we need to go to a branch location to get a new card. The nearest branch is XXXX to XXXX XXXX drive from where we live in XXXX. 

Upon calling the branch in Idaho where we had originally opened the account in 2004 we were advised that her card was also included in a group of cards for which there had been a data breach that allowed an outside entity to obtain debit card numbers. The location of the data breach or time had not been disclosed to us when the breach was discovered. 

It. Is my opinion that the Senate Banking Oversight Committee needs to investigate and question banking executives at US Bank about this data breach.

The process by which US Bank handles debit card freezes needs to also be reviewed. Our local Texas banking institution ( XXXX Bank ) notifies me by both email and text message of any suspected fraud compromises in my debit card and accounts. US Bank does not. They would rather cause financial, medical, and personal difficulties rather to appropriately and proactively notify their customers when there is a problem.

The resolution I am seeking is that the US Bank Fraud Department have appropriate customer engagement training. That US Bank implement an appropriate customer notification system for suspected debit card/ACH fraud issues. That US Bank have a proactive policy for notifying customers of suspected or actual data breaches within their system or the credit/debit card transaction clearing house.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.
Consumer complaint received 2022-12-02
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: ONLINE Information Services, Inc. (CA)

In a letter dated XX/XX/XXXX, Online Information Services, a collection agency based in XXXX North Carolina, on behalf of XXXX XXXX XXXX XXXX XXXXXXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, CA address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to two different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in Long Beach and do not have record having received services from the named provider. I disputed the debt with the credit agency ( XXXX ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.
Consumer complaint received 2022-12-06
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. (IL)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX. 

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 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. 

XXXX is re-aging the debt which is against the FCRA.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in prior disputes with Transunion, XXXX, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. Transunion, XXXX, and XXXX have no reason to assume the previous requests were not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Recovery One, LLC (FL)

Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX  XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Consumer complaint received 2023-01-26
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank Mortgage does not inform its customers about increases in the escrow amount. When your autopay 'underpays ' the new payment amount, they hit you with a {$70.00} late fee. They can not provide proper reporting online related to your escrow balance and analysis. The full monthly payment amount due on the mortgage does not update until a few days AFTER the actual payment is due. I always pay on time. I, nor any other customer, should be penalized for their antiquated system, inability to send electronic notifications and horrible reporting.
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2022 I sent {$300.00} via XXXX to XXXX XX/XX/2022 I sent {$200.00} via XXXX to XXXX The money was sent as a down payment on a puppy. When I went to the address provided to pickup the dog on XX/XX/2022, the person who answered the door knew nothing. I tried to call the persons number and it was disconnected. XXXX profile and email were also deleted. I was scammed, any help is appreciated.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-02-08
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. (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, Equifax and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (MI)

Apple Credit Cards ( Goldman Sachs ) refuses to both lower a 24 % rate and refuses to allow me to do an electronic balance transfer out in order to get a lower rate somewhere else. I have paid on a regular basis and my income has not changed, however I did use a cash advance which then changed my rate from 10 % to 24 %. I set up two balance transfers to have money go from Apple to XXXX XXXX. Apple states in their terms they have the right to refuse balance transfers.

Here 's the rub..the work around is that I can get XXXX XXXXXXXX to issue me a check and I can then pay from my bank account IF Apple declines the electronic transfer in time for me to still receive the lower rate offer. I have no control over this.

Apple should not be able to dictate how I move my balances out... especially if it is impacting my livelihood. I shouldn't have to spend hours figuring out a work around for a money-grabbing detail in fine print. 

Credit card companies could do a quick knowledge check by having consumers answer questions regarding their interest rates, their balance transfers, etc. rather than being clever about how the information is shared.