davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (CA)

Alliant Capital Management has repeatedly called several relatives and left messages repeatedly for several relatives and associates. I have asked them on XXXX separate occasions to cease and desist making contact with ANY third party regarding this matter and they still call and leave messages on my relatives and associates phone. They have my number yet I have not received a single call or voicemail. My family is being harassed unnecessarily because they have my phone number, email, and address and have not tried to contact me directly ever.
Consumer complaint received 2024-01-03
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (HI)

On XXXX XXXX XXXX XXXX filed a Loss statement with the IRS, stating that they discharged my debt of {$11000.00}. and were taking a LOSS, thus REDUCING their tax burden for 2021. 

Conversely, I paid income tax on the GAIN of {$11000.00}. 

After they have done this, it is illegal for them to take any payments from the consumer. 

Thus, when I contacted them, they REFUSED to take payment. 

Thus, according to the Fair Credit Reporting Act, it is not legal for any of the three credit bureaus to report this account as having a balance. The debt has been DISCHARGED ; thus, it can not be paid, and it can not be reported. 

Both Equifax and XXXX are each reporting a balance of {$15000.00}. ( Principal of {$11000.00} plus interest )
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (CA)

In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX  copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2023-08-19
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: AMERICAN EXPRESS COMPANY (CA)

In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023 I was charge {$76.00} at XXXX XXXX XXXX. I contacted Capital one and informed them that I did not place that charge on the card. They refunded the money to my account after I disputed the charge. Today, I received a letter from them stating that the charge was resubmitted to my account because they did not received requested information. I have not information to summit to them. I did not use this card to make a reservation and I did not present this card to the merchant. It may be that they have this card on file from previous stay.
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/23 I received a text message from " Bank of America '' asking " Did you attempt a {$3500.00} XXXX transaction. Reply Yes/No/Help. This text was from the number ( XXXX ) XXXX. I did not respond to this text. 
On XX/XX/23 I received another text message with exactly the same language from number ( XXXX ) XXXX XXXX from a person named XXXX XXXX. 
I responded NO and immediately got a call back from someone who said they were from Bank of America. He then took me through EXTENSIVE steps that he said would rectify this matter, even transferring me to a person from XXXX. Neither were representatives of these companies. When I hung up I called my bank to find out that this transaction was put through. This SCAM is RAMPANT. For further clarity this is how it works : " A common example of the latter is the XXXX Fraud Scam, which uses an ever-shifting set of come-ons to trick people into transferring money to fraudsters. The XXXX Fraud Scam often employs text messages and phone calls spoofed to look like they came from your bank, and the scam usually relates to fooling the customer into thinking theyre sending money to themselves when theyre really sending it to the crooks '' Bank of America is not willing to refund my {$3500.00} saying that since it was me that transferred the money that there's nothing to be done about it. 
I am proceeding with filing a complaint with the local police, the FBI and notifying XXXX, as well as any other organizations that deal in these matters, as well as any political figures that focus on these fraudulent banking practices.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, On XX/XX/2023 I logged into my XXXX XXXX XXXX XXXX issued by Wells Fargo bank and noticed I had been assessed a late fee of USD {$25.00} as well as an interest fee of USD {$48.00}. This was surprising as I have had no record of late fees on this account and thought I had paid off the balance in full for the prior statements. I then called Wells Fargo on the same day and was informed by a representative that I had been charged both fees as there was a balance of USD {$180.00} that had been left unpaid on my XXXX statement. Looking into the charges, I realized that my building had added those charges without my knowledge, given the card in question is linked to my building to pay for rent and utilities. 

In light of the unexpected charge and my lack of late payments prior, I requested that both the late fee and interest charges be refunded. The representative informed me that unfortunately only the late fee could be refunded and that the interest fee would not be removed. This seems particularly unreasonable, given Wells Fargo bank assessed the interest payment on the entire outstanding balance of my card at the time, totaling USD {$4300.00}, rather than only on the USD {$180.00} that was overdue. When I pointed this out to the representative, they sought a supervisor, who unfortunately upheld the original decision not to refund any of the assessed interest charge. 

This not only feels unreasonable punitive, but also markedly unfair given other financial institutions routinely refund assessed interest for first infractions on request. Even if Wells Fargo chooses not to follow this industry standard, I would think that it would be reasonable to only charge interest on the actual amount overdue vs. the much larger standing balance, the vast majority of which was not in overdue status.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (GA)

COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported XXXX balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to Experian. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA XXXX  account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

There are at least five accounts on my credit report that are showing up to 18 late payments. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX . XXXX. XXXX XXXX XXXX. XXXX. Indigo Credit card. It all started during the beginning part of COVID-19. When my jobs started shutting down, I called all of these Credit card companies and told them that I was being affected by this virus health wise and financially. I don't know what has happened, but my credit report is showing that I have 18 late payments!! OMG! I also called and told them that I lost both of my parents last year. We weren't expecting my father to die, but we suffered his loss as well. I tried explaining this, but it didn't work.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I am writing to dispute the accuracy of information contained in my XXXX XXXX consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00}
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (FL)

I haven't provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1.

Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature bearing my signature bearing my signature.
Consumer complaint received 2023-08-19
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear XXXX Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : XXXX XXXX Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX  or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it.

Copies of any documentation, contracts, or agreements related to this debt.

Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2018-02-10
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: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

I have three auto loans with CARMAX AUTO FINANCE : ACCT # XXXX, ACCT # XXXX and ACCT # XXXX. 

CARMAX AUTO FINANCE is in violation of the FCRA and XXXX Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 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 the consumer and the person making the report ; or experiences between On XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report. 

On XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report I submitted a written dispute regarding this on XX/XX/XXXX via USPS CERTIFIED MAIL TRACKING NUMBER # XXXX TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX and have not received a response or an update on my consumer file. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports Under 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I was a victim of fraud with bank of America and a company XXXX they do transaction with. I received a text message XXXX from the bank that stated a transaction was going through that I didnt approve and I sent a text back saying no I didnt approve the transaction. As soon as I pressed no a Bank of America representative called me. And made me transfer money using XXXX in an amount over {$3000.00} When I called to the next day to follow up with the transaction the Bank of America representative told me it wasnt them that called. The phone number that I received the call from was the exact number on my atm card. The bank investigated and denial my claim and will not be returning my money. My text messaged stated it was from Bank of America and the phone number that called me also was Bank of America
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

LexisNexis responded that the bankruptcy information was verified by using my address and last four digits of my social security number. I maintain I did not file bankruptcy and LexisNexis does not have permission to use my private information for their companys benefit. I have a right to privacy and the right to direct what information is released about me. I will not allow LexisNexis to make profits from my personal information while also causing me damages. You are governed under FCRA and other consumer protections laws put in place to protect me. I will give LexisNexis 14 days from the date of this notice to remove the bankruptcy records or legal action will pursue for damages that you are knowingly and willingly committing.
Consumer complaint received 2023-08-19
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. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$280.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX