davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-10-05
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. (PA)

I discovered unauthorized inquiries on my credit report today, and I don't understand how or why they are there. When I checked my report like usual, these discrepancies just showed up. I even refreshed my browser, hoping it was a mistake, but they stayed. I need the documents I sent to be reviewed closely and this resolved immediately. Im really frustrated that this is happening and I cant wait for this to be fixed.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

The issues with KIA Finance America began early in XXXX when they wanted to charge me for the Property taxes pertaining 2 leased vehicles that I have leased with them. They incorrectly registered the vehicles with XXXX XXXX in Virginia instead of XXXX XXXX in Virginia. After multiple phone calls I have made to their customer service without any remedy to correct the situation ( i.e. correctly register my vehicles in XXXX XXXX, XXXX XXXX XXXX to credit the taxes back, and instruct XXXX XXXX to charge me taxes ) I ended up paying the property taxes with XXXX XXXX through KIA Finance America. As per KIA Finance America instruction I have sent them a letter with copies of all documentations so they could correct the issues. As I noticed the issues were not corrected, I took upon myself to remedy them. My vehicles are properly registered in XXXX XXXX. However, in XXXX of XXXX, XXXX XXXX incorrectly charged Property taxes on my Vehicles. KIA Finance America is charging me for the property taxes. I contacted XXXX XXXX who immediately credited KIA Finance America back plus the additional property taxes that I paid in XXXX of this year. Therefore not only I do not owe any money to KIA Finance America but there is a credit due to me. I can provide documentation to all of those. I have contacted KIA Finance America today ( XX/XX/XXXX ) but have no faith the situation will be resolved as no one in their customer service team ( with the exception of one supervisor ) is even willing to search for the credit XXXX XXXX returned.
Consumer complaint received 2024-10-30
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: GOLDMAN SACHS BANK USA (NY)

My apple card was being charged fraudulently from XXXX of this year from many different places around the country, many transactions in multiple states on the same day. This resulted in my savongs account transfering thousands of dollars to Goldman Sachs being auto-deducted from my savings account through XXXX  to pay for the apple card. 

There is also no way for someone to use my virtual apple card because I have not had an apple device since XXXX of this year. After months of waiting for my disputes to be investigated, they were deemed authorized and not fraudulent. I have requested for these decisions to be reversed multiple times and asked for the reasoning behind these outcomes, however, the " Apple Card specialists '' can not provide me with any of that information. 

I can provide invoices to when I traded in my apple device and bank statements showing the fraudulent transactions. I also have photographs with location metadata throughout these months proving I was not in these places ( XXXX XXXX XXXX XXXX. ) on the date of transactions. 

It is of note that I live and work in western XXXX  and nowhere near where the apple card was being charged.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MN)

I am a victim of identity theft and I have never applied for or opened any checking, savings or credit card account Citibank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-09-17
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also was a victim of identity theft by a person who used to do my credit repair and used my information for her own gain. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-10-28
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: CITIBANK, N.A. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

To Whom It XXXX Concern : I XXXX XXXX have a vehicle Loan with XXXX XXXX since XX/XX/XXXX for some reason my car loan is not reporting on all 3 of the Major Credit Bureaus. I have reached out to the credit bureaus by phone they are telling me that disputed the account, and it was removed from my credit report I didn't dispute the account to be removed from my credit report. I was disputing hard inquiries NOT XXXX  XXXX. I called XXXX XXXX to see why my account is not reporting they told me they are reporting it to my credit report each month. I would like for my account to be added back to my credit report. Its effecting my car credit. Also, I have hard inquiries that I didn't authorize or give my consent to pull my credit report. 


INQUIRIES 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 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 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/XXXX XXXX XXXX XXXX XXXX STATEMENTS ARE ATTACHED TO THIS EMAIL
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX ( YOUR BALANCE THAT YOURE TRYING TO COLLECT ) ORIGINAL CREDITOR XXXX XXXX ( AS STATED ON MY CREDIT REPORT ) Dear MRS BPO , LLC, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account.

The report credit report is showing one balance, and you are trying to collect a differ balance? Which is inaccurate information which then it is against the law and requires this to be removed. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I was a victim of a check washing crime back on XX/XX/22. A check for {$1900.00} was stolen some how in the mail service and was cashed under a different name. The check was cashed on this date and I immediately went into the bank to file the paperwork on XX/XX/22. I was notified that someone would get back to me regarding this problem. I have made repeated attempts to contact the Huntington Bank branch in XXXX IL since then to determine the status of the funds but they continue to tell me it is under review. I have not had reimbursement of these funds since this date and I want to understand what rights I have since this has take a significant amount of time and I was not at fault regarding this fraud. I was informed that it could take up to 120 days to resolve the matter and today is 120 days. Can someone please investigate what are my rights to retrieving my money back from the bank. I have contacted other banks which I have done business with and the typical turnaround time is not more than 30 days for reimbursement.
Consumer complaint received 2024-10-04
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-04
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MN)

I am having a problem getting my annual credit and consumer report from Lexis Nexis, XXXX XXXX XXXX and XXXX XXXX. I want Lexis Nexis, XXXX XXXX XXXX  and XXXX XXXX to send me a complete copy of my annual consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/year>, XXXX : XXXX, XXXX Drivers License Number is : XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely stunned this morning when I discovered inaccurate accounts on my credit report, with no explanation as to how they got there. I check my report consistently, and everything has always been in order, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was some kind of technical glitch, but the incorrect accounts were still present. Now Im left feeling frustrated, and Im requesting that my documents be closely examined to resolve this once and for all.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Refer to credit Card with Capital One XXXX, I was trying to make a partial payment for my vacation trip XXXX to a XXXX company paymentwas decline couple of time and after that the card was blocked for couple of days, Then I made a payment with my other Capital One Card which went thru after couple of try. Now again today I was trying to make a payment and card was declined, I called the Capital One and was told that there policy is I can't use this card for such vacation. I am paying a membership for this card and I especiallytook this paid card for travel benefitsand essaymanage my finance. I am also leading a our group and responsiblefor all finance during our vacations. During all my payments I was in contact with Capitol One customer serviceto avoid these problems. But they are not giving me a satisfiedanswer for this problem. All the detailscan be obtain from Credit Card Company. Please let me know what can be done. I do want to go ahead with my complain for all inconvenienceand insult in my group. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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 (FL)

Creditor : XXXX CAPITAL ONEXXXX, you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Dear Consumer Financial Protection Bureau, I am reaching out to you in a state of utter desperation. The inaccuracies on my credit report have shattered my dreams, torn apart my sense of security, and left me in a constant state of anxiety. My life is unraveling before my eyes, and I dont know where else to turn. 

I recently filed complaints ( Complaint IDs : XXXX, XXXX, XXXX ) concerning several accounts that are inaccurately reported on my credit file. Despite my best efforts, XXXX, XXXX, and XXXX  XXXX XXXX have told me they can not even find my accounts, leaving me helpless in providing details that I dont have. How can I defend myself against something they claim doesnt exist? 

Because of these errors, my life is falling apart. The car I need to go to work and the home Ive dreamt of owning are both slipping through my fingers. I am mentally and emotionally broken. The weight of this situation is unbearable, and I fear that it could destroy everything Ive worked so hard to build. 

The accounts in question are as follows : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are wrongly holding me XXXX, violating my federally protected rights to privacy and confidentiality under 15 USC 1681. I reviewed my Experian credit report on XXXX XXXX XXXX and was devastated to find glaring inaccuracies that are completely beyond my control. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, under 15 USC 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or corrected. And yet, despite these clear legal protections, I remain trapped in this nightmare.

Furthermore, under 15 USC 1681s-2, furnishers are prohibited from providing information they know or have reasonable cause to believe is inaccurate. And yet, my life is being destroyed by false information that continues to haunt me. 

My Previous Complaint Details : Complaint ID : XXXX ( XXXX ) XXXX ID : XXXX ( Experian ) Complaint ID : XXXX ( XXXX ) These complaints remain unresolved, and the inaccuracies persist, wreaking havoc on my life. I am begging youplease, remove this inaccurate information from my credit report. I feel like Im drowning in a sea of injustice, with no way out. This is not just a matter of numbers on a report ; this is my life, my future, and my sanity at stake. I can not bear this burden any longer. 

Please help me fix this before its too late. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
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: GOLDMAN SACHS BANK USA (CA)

I bought a white pair of XXXX XXXX XXXX shoes via XXXX. As the XXXX were cutting ties all sale were final. 
Well shoe showed up XXXX. I told XXXX and have chat transcripts. They errored and offered a XXXX percent coupon but wouldnt let me return for refund so I dispute with Apple/sac Im like on my XXXX time with same dispute as nobody will contact me to make sure they are seeing right information. And despite sending it in repeatedly it never seems to attach to file or what ever excuse. 

And now Im in dispute over a XXXX XXXX charge to boot. 

Been lied to about interest stuff on Apple purchases
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.