davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am reaching out today regarding my Capital One 360 checking account. I opened an account with Capital One in XXXX and it has been horrible every since. Capital One allowed somebody to open a checking account in my name fraudulently and I found out about it a year ago. It took yall 1 year to investigate and do nothing. I called a year later and the issue was still not resolved. Mysteriously when I called it was able to get fixed over the phone within 48 hours. I opened my own personal checking account and they continue to keep putting somebody else 's dob on my account locking me out of online access. I don't need to stress how difficult it is to manage your bank account without being able to see into your account. I have called multiple times regarding this situation and it was able to be fixed after I was locked out for 30 days. I then took a nap on XX/XX/22 and woke up to being locked out again I then called on XX/XX/22 to be told once again they have updated my information to the fraudulent person 's information again. Now I can only imagine how many laws are being broken by updating somebody else information onto my account, however, nobody seems to care as it continues to happen and they advise they don't have a permanent solution for them not to put fraudulent information on my account. How do I know you are not placing my information on somebody else account? Also, I keep getting told it will be XXXX business days before I gain access to my account. I don't understand why I keep getting locked out of my account it is not my fault and I have to keep waiting 15-30 days to gain access for XXXX days to be locked out again and start the process all over again. This is completely unacceptable and illegal to allow somebody to open an account in my name and not have them verify any information and to keep placing somebody else information on my account. I have provided all the information they have requested, debit card numbers, credit card numbers, sent in my driver license number, gave them my full social and they still will not provide me access. Now had they only taken this much determination when they allowed somebody else to open an account in my name I wouldn't be in this position.
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

Bank : JP Morgan Chase Used XXXX to accept payment for XXXX XXXX XXXX advertisement. 

Buyer wanted to UPGRADE XXXX Account to a Business account the cost was 2 transactions of {$400.00} and {$600.00} respectively. To be reimbursed. The Third payment was {$1000.00} which I did not make. 

I paid using XXXX. I did not get the money back or my money for purchase of the furniture listed on XXXX XXXX XXXX.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

CBNA inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

CBNA inquiry XX/XX/2021 still shows on my credit card can it be removed? 
XXXX XXXX still shows on my credit report can it be removed please.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

My name should have been fully removed from the lease prior to any sort of issues. Someone else had resided their that should have been added to the lease in place of me. The office never updated this information and I lived nowhere near this property at the time of past due payments and eviction. The office also never contacted me to inform me I was indeed on a the lease and there were past due payments or chance of eviction. I had no mail sent, phone calls, or emails from the company until the information was sent to a collections agency. I have disputed this several times with no results. This is not my debt to pay. The new tenant on the lease should be fully responsible along with the other lease tenant. Im extremely shocked that this is even happening. If someone had notified me prior to an eviction and told me I was on the lease and that money was owed I could have settled these issues before they escalated to this level. But no communication from them was ever made. Now that its at the collections agency I see the apartment complex is no longer in business. I have no way of getting ahold of anyone. It feels like a complete scam and now I have an eviction and debt that is not rightfully mine to bear.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Occupation : XXXX XXXX Account Type : Deposit/Savings Bank : Bank of America On XX/XX/2022 my cousin 's fiance called me stating that his account was put on hold by Bank of America because of the frequency in which he transfer money to my account. He had asked me to assist in getting monies to his fiance in XXXX because he isn't able to use the services of XXXX nor XXXX XXXX. Initially he used my XXXX XXXXXXXX XXXX ( USD $ savings account in XXXX ), International transfer, but the charges were excessive. I then proposed to him to send it to my BOA account and I will withdraw and pay over the equivalent in XXXX $ to her from my local account I still maintain in XXXX. 
On XX/XX/2022 I received a notification via BOA mobile App that my account was below the minimum limit I had set. I then checked my App and notice my balance was {$0.00} I immediately called XXXX provided for XXXX assistance. I was told that a note is on my account for me to contact the risk department. I contacted them via telephone. Upon checks made and verification of my account, I was told my account was closed and they aren't required to give me a reason and the balance in my account will be sent by cheque within 5-10 business days. 
I have limited number of payees in my account, namely : my mother and sister, both legal guardian of my XXXX XXXX daughter and both resides in XXXX, XXXX Also , my XXXX XXXX son 's mother who resides in XXXXXXXX XXXX 
All the above persons can be contact to verify my authenticity. As a valid customer for approximately five years with not even a traffic ticket on my record, I am very disappointed with the actions taken by Bank of America, one of the best financial institution in America without even doing any investigation. I am very certain this is a case on my nationality as a XXXX 
I'd appreciate a fair investigation of my case and the reinstatement of my account.
Consumer complaint received 2023-01-20
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: International Computer Systems, Inc. (AR)

THIS IS NOT A DUPLICATE!!!! 

First collection services has broken the law due to obtaining my non-public personal information. I XXXX XXXX has never done business with First collection services. First collection services is a nonaffiliated third party trying to collect an alleged charged off debt. You can not collect on a cancelled debt and if you do so it is in fact tax fraud. You're also furnishing this alleged debt on my consumer report. You do not have permissible purpose to do so being that the alleged debt was in fact purchased and you do not have my consent to furnish anything on my consumer report.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable items listed below : DISCOVERBANK Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My information was stole ( birth certificate, social ) to the point I had to go to the FBI to find out whom had put loans in my name, they cleared XXXX off but now it to the point the person is putting hard inquiries on my credit repot that would take years to get off. I want to figure out how I can clear all this up because its not me doing these things.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX 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 promptly delete.
Consumer complaint received 2022-08-14
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)

Equifax is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely EQUIFAX, XXXX AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind EQUIFAX, XXXX AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. Pacific concrete F.C.U. V. Kaunanoe Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per EQUIFAX privacy policy, I was not given full disclosure of my rights to opt out.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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 2022-09-28
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Consumer complaint received 2022-09-28
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (TX)

My debit info was stolen, and about {$10000.00} was taken from me. I spent days at the local PNC branch disputing transactions ( I had a police report and plenty of proof and admittance of the person that stole the money ). The dispute was not filed correctly ( the branch admitted this to me ) and it was passed between 2-3 people during the process, so some items were not disputed that should have been, or were disputed that shouldnt. The bank refused to give me provisional credit during the investigation, even though I had proof of everything. The bank ended up denying my disputes, closing my account, and stating account abuse. The branch is at fault, and admitted to filing my disputes incorrectly. XXXX XXXX at corporate was well aware of all angles of the situation and would not help me get it straightened out. I am a single mother of XXXX, have been evicted during the process, and am still without the money that was stolen from me. And now am without a bank account.
Consumer complaint received 2022-09-28
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. (WI)

I am a natural person im a living human being i have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681 and they violated my rights numerous times. And i demand that these accounts, 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 be removed because. According to 15USC 1681 I have the right to privacy and i did not give equifax written permission to furnish these reports
Consumer complaint received 2022-09-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-28
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. (GA)

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 items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$260.00}
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-09-28
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX