davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

During a extensive investigation into all 3 credit bureaus ( XXXX, XXXX, and XXXX ) I see that there is information that is reportedly inaccurately in my credit reports ( Capital one-account type, high credit, and many more information ). According to the Fair Credit Reporting Act all information across all 3 bureaus should report accurate information which this account is in infringement of not reporting the most accurate information.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

To : Bank of America Remediation Department From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Date : [ XX/XX/XXXX ] Regarding : Incorrect Check Amount and Unfulfilled Reimbursement of {$5000.00} Dear Bank of America Remediation Department, I am writing to formally address a significant issue regarding a check issued by your institution. The check, dated XX/XX/XXXX, was intended to reimburse me, XXXX XXXX, for a previously unresolved matter. The original amount was supposed to be {$5000.00} USD. However, the issued check erroneously stated an amount of only {$0.00}, as indicated on the checks memo line No Memo ( Closure ). This discrepancy suggests a failure to adhere to proper protocols and professionalism by both the issuing bank and the bank responsible for creating the check. 

The check in question was issued under account number XXXX, with the remitter noted as Green Refund from the XXXX Bank address, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. It was drawn against XXXX XXXX XXXX Bank of America, using routing number XXXX and transit number XXXX XXXX. 

The significant underpayment and delay in disbursement have caused substantial inconvenience and financial hardship. As per federal and state regulations, it is the responsibility of financial institutions to ensure the accurate and timely payment of funds, especially when a financial obligation has been acknowledged. 

I request that the Bank of America Remediation Department promptly address this issue by issuing a replacement check or direct deposit in the full, correct amount of {$5000.00} USD to the following address : XXXX XXXX XXXX XXXX XXXX Pl. 
XXXX, XXXX XXXX This matter requires immediate attention, as the delay has already extended beyond a reasonable timeframe. Your swift action is necessary to rectify this situation and avoid any further escalation. 

Should there be any additional steps or documentation required on my part, please inform me immediately. I appreciate your prompt attention to this matter and expect a resolution without further delay. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Under the Fair Credit Report Act, this creditor has violated my rights under 15-USC-1681 Section 6 to 2 states I have the right to privacy ( 15-USC- 1681 ) Section 6 0 4 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (VA)

I did not authorize these inquiries to be pulled from my credit report and I want them to be removed. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

When I was unable to finish making interest-free loan payments and advised them, the company doubled the amount that I owed and would not provide any alternative payment plan. Instead they sent me emails. I told them to cease and desist and gave them 2 notices which they ignored.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have had a XXXX XXXX  savings for years at Capital One. My account was compromised and funds taken out without my approval or knowledge. Most have been credited back except XXXX for {$20000.00} was not. This was sent to Green Dot Bank where I don't have an account and never did. I was told this withdrawal happened on XX/XX/year> at XXXX. I never authorized this and was not advised. I was in the hospital from XX/XX/XXXX and released XX/XX/XXXX about noon that day. I didn't have any computer or laptop with me in the hospital. My wife never accessed the account either. So, at XXXX am I was in a hospital bed. 
They are supposed to send me information on how this occurred but not for weeks. 
I have made money transfers in the past but don't have Green Dot Bank as one of the allowed transfer- to Banks.

It seems as if they don't believe what I am telling them and care less about this. I didn't do anything wrong-they were supposed to take care of my money but got duped and now I am paying for their mistake.

I have tried to email the CEO but no answer. I have called a great many times and may have to hire and attorney.
Consumer complaint received 2024-08-02
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: JPMORGAN CHASE & CO. (MO)

We paid for a vacation rental home through XXXX XXXX XXXX in the amount of our portion for {$5500.00} ( we split the total with another family ). After being there it was found to have mold in the shower, they sent someone to bleach it and it was so powerful we had to leave with all our children and could not return without the overpowering order until after midnight. Also, there was a golf cart and one of the seat belts were broken which the only response we got was to pull harder on it. Then, we found XXXX mold around a light and ceiling of a different bathroom, pictures were sent to the property management company and phone calls were made. We received no response back to address this more serious issue. This was over XXXX of XXXX weekend the busiest time of year and there were no other accommodations we could find in the location we were at. We knew another family down there and they allowed us to stay with them for 1 night until we could get everything out. We tried resolving this with the property management to no avail, so I disputed the charge with Chase. I called Chase to file a dispute and was instantly denied because we never told them we checked out we are responsible. I have submitted online 2 appeals of their decision. So far it has been denied a second time without anyone contacting me for more information. It is my understanding that when you do not receive a product ( the house and golf cart ) or a service ( the property management and cleaning fees ) the credit card company will investigate.
Consumer complaint received 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (CA)

I initially reported fraudulent activities on my XXXX debit card to XXXX XXXX XXXXXXXX XXXX due to i never received the debit card on XX/XX/year>. My claim was denied due to issues with digital validation, so I submitted an appeal request on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX informed me that they would need XXXX calendar days to handle the appeal. Despite my multiple requests for updates, the escalation team has consistently told me that there is no update and that the processing of my appeal is being delayed, even though it has now been over 90 days.
Consumer complaint received 2024-07-13
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. (MA)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Sect
ion 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|
Consumer complaint received 2024-07-13
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. (NC)

I am writing to formally lodge a complaint against XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-07-13
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. 
It has been XXXX days and you are in XXXX of this law because I am a victim of identity theft!!! 
Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, XXXX XXXX XXXX XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the XXXX INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-07-13
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX  Date fraud began XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2024 Date that I discovered XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2024-07-13
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. (CT)

I recently reviewed my credit report and I noticed unrecognized and fraudulent Hard Inquiries. I would like them removed from my credit report. I have also filed a complaint with the FTC reference # XXXX XXXX XXXX  XX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-13
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. (MI)

It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that 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 without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX 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 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 2024-06-29
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. (GA)

XXXX XXXXXXXX XXXX XXXX ; Account XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Disputing errors on credit report Dear XXXXXXXX XXXX I am writing to request a correction of the following information that appears on my XXXX, Experian, & XXXX consumer report : XXXX. ) Credit report information to identify account status : INCORRECT - XXXXXXXX XXXX  ; acct # XXXX XXXX. ) Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the executive orders of the United States of America and XXXX XXXX XXXX XXXX, my travel visit to the island of XXXX turned into temporary residency due to closed borders of international travel in XXXX of XXXX. My earning-ability was drastically changed. Many efforts to make payments were rerouted as " UNAUTHORIZED '' due to my IP Address being beyond domestic range. 
Representatives from XXXX XXXX were not understanding with my responsibility to maintain timely payments. This lack of completing transactions resulted in the reporting of payments late, subsequently charged off ; then repossessed after deferment contingencies were not available. 
- The report shows proof your company that have already been repaid. 
- I have processed the proper tax forms to reflect these matters, as well as the measurements taken by XXXX XXXX to validate accuracy of this information. 
- Since having this automobile refinance after a previous loan was assumed through XXXX XXXX, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. This includes having multiple hard pulls on my credit profile, which the Auto Dealer, AND Their Finance Departments contend that negatively impacts my credit report. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 informationisinaccurate.