davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (TN)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes. 

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Reference Bank of America fraud claim : XX/XX/year> received a call from my credit union ( XXXX XXXX XXXX XXXX ) which I did verify the number on caller ID that it was from my credit union. Individual indicated he was from my credit union fraud department and possible fraud on my credit union XXXX card and possible other visa cards. He had my account number both credit union account and my visa account number for both credit union and Bank of America. As I remember, we exchanged several text messages over a couple of hours and I may have said yes to a couple of them, through my ignorance not knowing what I was saying yes to. 
He indicated he would call back Monday the XXXX XXXX after he gathered more info. I went to my credit union on the XXXX of XXXX, found out he ( XXXX XXXX ) was not a member of XXXX XXXX XXXX XXXX team and that he spoofed their number and I was scammed. I immediately closed my account with XXXX, reopened new ones. I then locked all my credit cards ( XXXX XXXX XXXX, locked the XXXX credit bureaus, notified Bank of America XXXX XXXX, they closed the cards and issued new ones. I filed a fraud report with Bank of America and the FTC. Bank of America has denied my claim of fraud for just under {$25000.00} and I have reopened asking for proof of purchases. XXXX charges to someone in XXXX XXXX called XXXX XXXXXXXX XXXX were charged to my card. I was not alerted of these charges, although I had {$500.00} max alert posted. Bank of America has refused the claim saying I authorized it, they have yet provided proof except to say I authorized via text message. I have no merchandize/material resulting from my supposedly {$25000.00} in purchases. I will seek advice of an attorney.
Consumer complaint received 2023-04-14
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. (CA)

This is my follow-up 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 Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2018-06-27
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: EQUIFAX, INC. (NC)

I am going to attach a copy of the investigation request my wife and I sent to Equifax on XX/XX/XXXX. Over thirty days have passed, and we have not yet received a response.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion send me update on XX/XX/year> that account was deleted, looked at my consumer report as of XX/XX/year> and still showing on consumer report needs to be fixed asap! TransUnion is causing me hardship
Consumer complaint received 2023-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX, My vehicle was illegally repossessed from my private residence. The Tow company that entered my property illegally with their truck damaged my fence and broke the lock off the gate where my XXXX XXXXXXXX XXXX XXXX was parked. The tow truck driver offered no information in regards to where my vehicle was going. I asked the driver for credentials and his company information and he verbally attacked me with profanity. On XX/XX/XXXX I called the lending company ALLY BANK. And they informed me that they did not send anyone to reposees my vehicle and that there records showed that I am still in possession of vehicle and that they are in the process of repossession and that there records show I still was in possession of my car. I explained to them that a tow truck picked up my vehicle from my residence and said they were sent by Ally. I am incredibly confused by this whole situation. I kept trying to call Ally from XXXX XXXX XX/XX/XXXX and was offered no information. Then on XX/XX/XXXX I received a notice of lien and sale from XXXX and the information was EMPHATICALLY FALSE AND UNTRUE. I'VE TRIED CONTACTING THE THE TOW COMPANY LISTED AND HAVE GOTTEN NO ANSWER TO MY CALLS. I FEEL LIKE I AM RHE VICTIM OF A SCAM AND I DONT KNOW WHERE TO TURN. IN ADDITION TO THIS ILLEGAL REPOSSESSION MY PERSONAL PROPERTY THAT WAS IN MY VEHICLE AT THE TIME IS NOWHERE TO BE FOUND AND THEY WERE IMPORTANT AND SENSITIVE ELECTRONICS WITH ALL MY PERSONAL INFORMATION ON THEM.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I bought XXXX of BTC on Venmo , and have had problems with sending small amounts ever since I made the initial purchase.

Fast forward to today, I have a balance of roughly 11k in BTC and the Venmo app is not letting me send to a different wallet or cash it out ; its literally stuck in Venmo, they are holding my entire crypto balance hostage, I cant even send small amounts. This has been happening for almost 2 weeks, I havent been able to touch my money. Ive tried everything from the waiting game to reinstalling the app many times, my phone etc.. 

Ive spoke with Venmo assistance on phone and lengthy mail conversations, their best advice is to reinstall the app, Ive done this multiple times. Still nothing. Ive explained my troubles and have spent hours of my time going back in forth with their support team, theyve told me this last : the true ( and likely frustrating ) answeris that we are not able to resolve this for you. You may try to make the transaction again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I'm very sorry again for the inconvenience this causes but if you have additional questions or concerns please let us know! 

Best, XXXX XXXX | Venmo Support VENMO IS STEALING CRYPTO MONEY AND GIVING NO SOLUTION!
Consumer complaint received 2023-05-21
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. (OH)

I have had all my personal information, address, birthday, social security number and credit information stolen. I reported it to XXXX, the three credit services and once again information hacked, the freeze on my credit was hacked, freeze lifted after less than two weeks and thee fraudulent name added to my identity.. More accounts opened.
Consumer complaint received 2023-04-10
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: EOS Holdings, Inc. (MD)

I disputed the information with the company. They maintain that it is mine and should remain reporting on my credit report. EOS CCA Account XXXX XXXX. The date it was open was XX/XX/XXXX. I was not living in the United States and it is impossible for me to have opened this account. I lived abroad in the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. The balance on the account is {$1000.00}.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MD)

Fortiva Credit Card has assessed me over {$500.00} in late fees since XX/XX/XXXX to XX/XX/XXXX. The late fees are {$41.00} per month, although I have made payments on time. I have been late on two occasions, but NOT a week or more late. The majority ( if not all ) of the payments have been at the beginning of the month where the due date is the XXXX of each month. I'm being told if my payment is one day past the due date or early, I will get assessed a late fee. 

Fortiva Chat has said : XXXX XXXX I see that your statement is only generated on 2nd of every month. Since the payment was received before the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment. 

XXXX XXXX  I see that late fee of {$41.00} assessed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: JPMORGAN CHASE & CO. (MO)

After Several attempts to work with Chase Bank regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted Chase and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

IN XXXX OF XXXX I called up because of some fraudulent activity on my card and found out that they were having issues due to an updated that effected about 1/3 of their members. 

It took months for them to resolve the issue with the fraudlent activity at which time I apparently over paid and was not informed of such until months later as my statements were messed up for months and after my payment my statements were showing XXXX and were until you lost your contract with XXXX. 

In XX/XX/XXXX you removed yourself from my credit report after I asked for you to correct my credit score because of you miss communicating with the credit bureaus because they were also showing incorrect information on what I owed for months since you had no idea. 

As you can see from the attachment this dropped my credit score it also dropped my available which increased my usage percentage. 

This has been a real nightmare and I have already filed one complain on here and they said not their account which is true now but when all the issues happened it was and you need to fix it. 

After my card was compromised in XX/XX/XXXX I never received a replacement card when they lost the account in XX/XX/XXXX. 

The statements in Black and white were obtained by XXXX XXXX from what they obtained from Comenity. The Colored statement is like pervious ones I had received from Comenity not what I received from XXXX XXXX those were completly news to me as I had never seen them before. 

Also Comenity said with the issue with my account I would not be charged interest because they could not take off the fraudulent charges and give me an accurate amount to pay then when they said they figured it out apparently they had not and I did not know or was informed until I was sent a refund check months later.
Consumer complaint received 2023-04-10
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-04-10
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation.

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account XXXX : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXX FL XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (LA)

The lease was opened XX/XX/XXXX with XXXX XXXX XXXX. The loan amount is {$60000.00}. I contacted XXXX in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and XXXX. The item was deemed as fraud and removed. Then 2 years later EXPERIAN ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the XXXX account was added back to my credit report. IVE CONTACTED XXXX Numerous times about this account and its still on my credit report and is destroying my credit. 

THIS IS FRAUD AND SHOULD BE REMOVED FROM MY EXPERIAN CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO EXPERIAN. Police reports, fraud applications, my drivers license, proof of residence etc. 
please remove the XXXX account
Consumer complaint received 2023-07-02
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. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (SD)

In XX/XX/XXXX, I did a home equity loan through my bank and paid off multiple credit cards including my GM card ending in XXXX. The account was supposed to be closed at payoff. I cut up all my cards at that point, but I could not find my GM card. I was not concerned though because it was closed. In XXXX, I got a notification on my credit monitoring service of a delinquent account and saw that this GM account that was supposed to be closed with a XXXX balance was reporting past due. I have never received anything in the mail alerting me of this. I called GM and discovered there were several XXXX purchases that were made after it was paid off. So I logged into my XXXX account and compared my history to the charges. NONE of them were on my XXXX history. I rarely use XXXX and I did not at all in the timeframe of the charges. I called GM and reported 4 charges as fraudulent- {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. GM approved and removed the {$15.00}, {$11.00} and {$20.00} but have done nothing with the {$72.00} charge ( which was on the same day as the {$15.00} charge that they removed ). I have called 4 times in the last 30 days and am continuously told it is still " pending review. '' Meanwhile, it continues to report as delinquent and incur late fees and interest charges! I called today and asked if it is still incurring late fees and interest and reporting late while under review and the rep said yes! The rep also said, even if the {$72.00} charges is removed, I may still be responsible for the fees. This is completely unfair and wrong.
Consumer complaint received 2023-05-21
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions