davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-22
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)

n accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023 I contacted XXXX XXXX in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and Experian Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, XXXX, and Experian Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-18
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. (NH)

I made XXXX  XXXX auto lease payment on time but later found out Chase reported it as late payment. 

I contacted Chase to dispute the delinquency reporting and Chase 's response is the payment was not received on time as there was insufficient funds in my bank account at that time. 

XX/XX/XXXX, I disputed the decision on the basis of bank error and I submitted my bank statement to Chase, which shows there was sufficient funds at the time of my payment and there was no record of Chase deducting the payment. Additionally, Chase failed to notify me of unsuccessful payment in a timely manner. 

Later, I received a letter from Chase in the mail stating they agreed to ask the four major credit reporting agencies to remove the delinquency from my account. The date on the letter is XX/XX/XXXX. 

However, I found out recently the negative report is still not removed so I contacted Chase again. Chase stated that they have now decided the reporting is correct and they will not remove the delinquency, which contradicts the previous sent letter.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing now in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a significant part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am submitting this to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

after reviewing my credit report, late payments are being reported from XXXX of 2020 until present day. According to the CARES act that was signed into law on XX/XX/XXXX of 2020, late payments for persons financially effected by the pandemic are to be reported as current or compliant.
Consumer complaint received 2024-10-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

A month ago, I purchased several {$500.00} Visa gift cards from XXXX. XXXX of the cards ( the total : {$1500.00} ) were declined when I tried to use them at stores. I contacted XXXX about the issue, and the representative asked me to submit some documents required to issue replacement cards. I submitted them right away. It has been one month, and the replacements cards have never arrived. The case numbers are XXXX and XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2023-05-08
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. (MO)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (AZ)

California issued me a debit card for a tax refund. I have tried to initiate a transfer to my bank account over several days and multiple times. The website is BOGUS. I have tried 4 different browsers and unexpected problems occurred in each attempt. Primarily the " system '' seems to object to the amount of the transfer after I have tried to adjust it to less than the balance to cover any fees even though they state there is no fee for online bank transfers and even though the website acknowledges I have a balance of XXXX. I tried every amount to XXXX. I just got work my wife was allowed to get XXXX at the ATM with fees (? ) - NO DOUBT! 

My wife is now driving a XXXX mile round trip to a ATM for Money Network. I believe the reason for the BOGUS website is because they want to cause a fee to charged at the ATM. I don't care about the fee. I OBJECT strenuously to the BOGUS web site. 

Not only did they harvest my banking information, they FAILED to perform a task which happens millions of times a day. That is, a simple bank to bank transfer. 

I believe the bank should be sanctioned for their deliberate poor performance. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-30
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PERSIAN ACCEPTANCE CORP (MA)

I was shocked when I reviewed my credit report and found multiple inaccuracies on the way it's reporting into the major credit bureaus. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2023-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I opened a 3 month Certificate of Deposit account with Citibank on XX/XX/XXXX. The account matured on XX/XX/XXXX, and I closed the account on XX/XX/XXXX. I was told that the check ( which amounted to over {$50000.00} ) would arrive in 7-10 business days. After XXXX business days passed on XX/XX/XXXX and I hadn't received the check, I called their customer service line and was told that the check should actually take up to 20 business days. I then waited until that time period passed, and the check still hadn't arrived. I called again and was told that the account closure had been done incorrectly as a checking account instead of a CD, so that had to be resubmitted. The new estimated date for check arrival told to me was XXXX. In order to ensure the check was delivered, I was told to expect a phone call from XXXX between XXXX so that the postal service could confirm that I would be home to sign for the check. After not hearing from XXXX on XX/XX/XXXX, I called Citibank back to ask about the status of the check/whether or not it had been shipped, since it presumably only had the next day to arrive. I spoke with another customer service representative who said that the check was still held up in the " back office '' and that they could not provide any more information. I was advised to call back on XX/XX/XXXX to be provided a tracking number from the XXXX. I called back on XX/XX/XXXX and was told that Citibank/the " back office '' does not provide tracking numbers for checks ; they only do that for credit cards. The withdrawal form was also still filled out incorrectly, so this new customer representative assured me she had made the corrctions and submitted it again. Additionally, they were unable to tell me when I could expect the check. The only information I could be provided was that the check had been reisssued, that they would contact the " back office '' again to get an update, and that I would receive an email update within 24 hours. If I didn't receive an email within 24 hours, I should call them back to figure out what was going on. Throughout this entire process, I had been asking for a tracking number, for expediting shipping, or any way to ensure that my money could be delivered in a timely manner. I was ultimately told that these were not possible. Additionally, I asked to speak with a supervisor or manager ( or someone who could answer my questions about how things were filed incorrectly ) and was denied that everytime. I also asked if there was a place I could file a complaint, and the last customer representative said that she was the person do to that and would be doing so, although I never received confirmation. At this point, I'm not sure if I will ever receive the XXXX XXXX
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Since XX/XX/2023, I have not been able to use XXXX XXXX. I closed my account with USAA in XXXX because they made me pay back charges where I was the victim. Soon as I paid them off with money I didnt have, and went broke. I immediately closed my account with them by XX/XX/2023, at the latest. The amount was for {$1300.00} I had to pay. Fast forward four months later, and USAA is still a deterrence. I can not do anything.
Consumer complaint received 2023-05-18
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (PA)

Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX  Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. 
I am constantly being charge {$18.00} every month. 
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late
Consumer complaint received 2018-07-17
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX filed a judgement in XX/XX/2011. This judgement should no longer be shown on my credit report. It is only left seen on Experian.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of 2023 I took advantage of a 0 % APR credit offer from a seldom used Bank of America credit card. The offer promised 0 % APR for about 18 months from the date of the draw. I drew {$13000.00} against this offer. A month later, XXXX, an automatic payment was attempted for the entire {$13000.00} to clear the card. The payment bounced and a fee was charged against my account. The following month, XXXX, another automatic payment was attempted which succeeded. I contact BofA to complain about the fees and overpayment. They waived the fee and escalated my case for reversing the payment. The representative took down my banking information and said the case would be resolved soon. A few weeks after I called to check the status. The representative had no knowledge of the case and again took my bank information. A couple weeks after that I called a third time. That representative told me that I would need to call the case department. The following morning I called the case department and the representative said that each time I had called they had created a new case which extended the time to resolution. She also explained that BofA would be PAPER mailing me the confirmation. I had never elected paper communication with BofA. She then told me that the time to resolution would be several months. At that time I decided to close my account. A week later I received a check for the overpayment in my account ( ~ {$28.00} ) and I had also lost access to the account on the mobile app. This week XX/XX/XXXX, I received a call from BofA telling me that I had a past due payment of {$130.00} and that my total outstanding balance was over {$13000.00}. After spending an hour on the phone with 5 representatives, I was told that BofA ( in their infinite wisdom ) had decided to memo {$13000.00} against my closed account and then had issued a paper check for me to deposit and then pay against the new account. I neither authorized the account to be reopened nor had I received any notification that the account was reopened. This could adversely affect my credit and has caused me undue stress and wasted time. In my decade working in the financial services industry I have never seen such incompetence. The lack of coordination between BofA departments and the lack of communication to a customer has been disgusting. I have no faith in BofA and I suspect that this is linked to liquidity issues in the wake of the current banking crisis.