davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-27
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Bank was Wells Fargo, the bank distributing and managing the cards for XXXX XXXX XXXX. Opened a XXXX XXXX XXXX promotional card on XX/XX/23. Payments were made twice with " Thank you for your payment '' notations ( XX/XX/23 and XX/XX/23 ). Payments were apparently reversed later without notification. Customer received late notice and notice of late payment fee XX/XX/23. Customer called XXXX number for explanation. None could be given by that associate. Customer went to physical bank location. No explanation could be given by teller and then bank officer other than payment had been reversed. Customer requested transaction detail ( bank drawn on/bank money returned to including last digits of account number ). My intent was to see if one of MY banks had declined the transactions. The bank officer said that information was unavailable. Customer tried looking up information on all possible payment methods ( my checking, CCs, debit, XXXX, XXXX, XXXX, etc.-ever way it was possible that I originally paid ). Transaction detail information was finally found on the Wells Fargo website nested several layers down. There was still no explanation for WHY the original charges were reversed ( there was plenty of money in both accounts ). I called the XXXX number again after making a third payment attempt. This time the associate said that whenever a new payment type is set up, a customer must call the XXXX number and verify OR THE PAYMENT WILL BE REVERSED. 

This information was not disclosed by the Nursery associate who filled out the credit application with me. This information was not disclosed by email at the time that my acceptance email was sent nor when the CC itself was sent. It was not disclosed when I set up my online account and made the first payment. If it was included in the wording of any literature attached, it was buried or worded in such a way as to seem trivial. Additionally, this is not a customary procedure for making online payments ; therefore, it was not anticipated as a part of a procedure. 

I believe that this is a fraud to get at least one late payment fee from new CC customers. 

On a personal level, I am angry about a late payment fee when I paid ( twice ) on time. I am also concerned that the late payment will adversely affect my credit score.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NY)

I had a membership at XXXX XXXX XXXX XXXX XXXX XXXX that became unaffordable so I requested cancellation but received no response from the club. Around the same time i lost my debit card so I had to replace it and on XX/XX/XXXX  I received an email from First Credit Services , Inc, a debt collector, stating that I owed the gym {$1400.00}. I attempted to dispute the debt over the phone with XXXX XXXX XXXX and was denied. After filing this complaint I am considering contacting an attorney to review the clubs contract.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

This is the continuation of the previous complaint ID XXXX. Because the system of Consumer Financial Protection Bureau automatically closes the complaint down right after receiving a response from the bank, so I have to open up a new complaint. 

The response from the bank was a XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX is a XXXX XXXX XXXX and she told me in her letter to call their Customer Service about their closing my accounts when their Customer Service does not have any information and does not know anything about it? She wants me to call their customer service and yell and fuzz at their customer service instead of her when their customer service does not know anything about t he issues? 

When Ally Bank closes down my accounts UNFAIRLY, they only sent me a letter saying that they closed my accounts down ; that was it, they did not say anything why or what was the reason. I called and asked but they were not able to tell me why. 

I still have records that I did complained alot about their online banking was down a lot that I could not pay my bill using their pay bill features, and I think they revenged me for complaining by closing my accounts down. 

Also, I did use my debit card to purchases and later disputed some transactions. However, I do not think that is the reason why.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a Capital One credit card under my name with an outstanding balance of over {$3000.00}. I called Capital One to request information about the account and they gave me no information. I started a fraud investigation with capital one and they closed the account. I also added a fraud alert to my credit report and filed a police report. Capital one denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. Capital One then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via XXXX. This account is fraudulent, I did not apply for or authorize the account.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (FL)

I called customer service many times to request a new debit card and all the calls the answer was " go to a branch '', something is not possible because where I am now there is no branches near, even there is no branch on this state. 
Also I tried to request the new debit card trough the online banking without success...
Consumer complaint received 2023-09-27
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. (NJ)

RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C.

1681nXXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (AL)

Company was sent a cease and desist and continues to violate the law and continues and admits to continuing to report disputed information to my credit file when company knows it illegal. Cease and desist consists of ceasing ALL attempts to collect any debt and All communication regarding such debt.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

I called the Credit Management Company listed on my XXXX report that has a balance of {$1700.00}. The lender allegedly was XXXX XXXX XXXX XXXX. I spoke with the collection agency and they told me that the account was no longer with them. It is with another company XXXX XXXX XXXX which is not on my actual credit report. Credit Management Company did not have any other contact or account info.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In my complaint I sent a 50 page fax to back up what I said to the banker when they took my complaint what the bank is saying they didnt receive documents stating what I was suppose to receive and how was different then what I got apparently they cant read because its one in my statement to the baker who took complaint and they didnt recieve documents with specific cancellation information that is also in the papers I sent them they merchant never sent me my second item after I complain to him his tune is garbage he merchant breached the contract by not sending me my second two and his first one was trash. All this is listed in the paperwork I sent them.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/year>, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The items in dispute are the Incorrect Aliases that LexisNexis XXXX is reporting on my report LexisNexis XXXX Report. This is my third notice to LexisNexis regarding the incorrect aliases that they are reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER been known by these names and I have NEVER been associated with these names. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.
Consumer complaint received 2023-09-27
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. (TN)

I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process
Consumer complaint received 2024-01-30
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)

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXXXXXX XXXX XXXX XXXX ( {$8700.00} ) XXXX XXXX XXXX {$930.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

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 a 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.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (NH)

I have submitted a dispute with all 3 credit agencies with regards to a XXXX account that appears on my report. This account is reported as a loan, that is first of incorrect as a XXXX account is not a loan. Secondly, I asked the creditor to send me verification of the debt as I have never had an account with XXXX. I did not receive proof. I requested these items be deleted. I submitted my dispute with Experian on XX/XX/2023 ( a Sunday ) they " completed '' the dispute on XX/XX/2023 less than XXXX hours later. It seems impossible that a dispute can be properly validated in less than XXXX hours. I have tried to contact them and sat on hold for hours. There is no way E-oscar is verifying these items. Something must be done as there are several other disputes that they have " validated '' that have had to be removed. Also, the other 2 reporting agencies have not validated the same debt that Experian states they have. I feel these reporting agencies do not do their job. They are merely going by what an artificial intelligence platform provides to them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was terminated from my job since XX/XX/23. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/23 and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2023 Experian dropped my credit score significantly based on false misleading information from XXXX bank. I only have a checking account through XXXX, only a debit card. The new information states I had a XXXX  bankcard, and it's reactivated. It states I've used XXXX  % of my available credit. This is a false misleading statement.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A cease and desist letter was written to Capital One about " alleged Debts '', which Capital One stated in a response letter that they honored. The letter they sent acknowledges they're accpetance of my Cease and Desist request. All communication in regards to the collection of " alleged debts '' shall cease and desist. 
Yet, I received a statement of " alleged debt '' from a billing cycle thats is after they sent acknowledgement of the cease and desist which is a clear violation of the Cease and Desist.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In according with the fair Credit Reporting Act XXXX  Account # XXXX -XXXX  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 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Unauthorized Inquires listed below EQUIFAX : 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