davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received a call from an XXXX number ; they told me one of my business debit cards had been compromised, and it was their job to ensure that I was protected, and that I should make sure the alert system was activated against any further fraud. The individual, calling himself XXXX from Bank of America, told me my debit cards should be disabled and new cards would be mailed to me. They only asked for the last 4 digits of my debit cards in order to " disable '' them. After that they told me that in order to " opt in '' the alert system, the IT team was going to " generate a wire order '' and that to opt in I should answer YES to the confirmation request on my phone. I became suspicious and asked how I could be sure they were indeed from Bank of America ; he told me to look at the phone number they were calling from, and XXXX the numbers for BOA listed on the internet. It was indeed XXXX XXXX XXXX XXXX ( I do have that called on my phone log, with the duration of the call, over 2 hours ). He was extremely courteous throughout, and sounded exactly like what you'd expect from a top customer service. I did follow the instructions, even though I was not feeling completely reassured. After that they attempted to generate more wire transfer order, allegedly to include all accounts in the alert system. They did not succeed and when I told them this call was too long and I had other things to attend to, they thanked me in an apologetic and somewhat discouraged tone, and the conversation ended. 
By then I felt very uneasy, and rushed to the bank branch to report what had happened. 
They looked at my accounts on line and observed they had somehow had had access to my accounts, and had moved money from all my accounts into one single one, and attempted to transfer over {$90.00}, XXXX, but had failed. Unfortunately, in their first attempt, they had managed to transfer out over {$16000.00} to a XXXX account with a name and an account number. I filed the complain, froze the said account, and when I asked them if I should notify Law enforcement or if they were going to, they shrugged off that question, indicating to me that I was going to be " fine '' .... 

A few days ago, I received a letter from BOA saying they were unable to recover the funds and they considered the matter " closed ''
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I'm expressing a complaint against Pay Pal for negligence in closing my account, allowing a fraudster to hack into my account, scam people out of money, and leave my account with a negative balance they are saying I'm responsible for. The fraudster also opened a credit card in my name after I notified PayPal of the fraudulent activity and asked them to close my account. 

XX/XX/XXXX - PayPal allowed the fraudster to gain access to my account by lifting restrictions via chat with them. 
XX/XX/XXXX - the fraudster again chatted with PayPal to get them to lift restrictions on the account. 
XX/XX/XXXX - I called notifying PayPal that I had an unauthorized withdrawal from my savings account from PayPal. During the call the rep acknowledged that someone had gained access to my account and changed the email, phone number and password associated with the account. At this time I asked for the account to be close but told it couldnt be b/c it was under investigation. XX/XX/XXXX - 3 payments from customers for false transactions from the fraudster came through after I notifed PayPal of the hacked account. XX/XX/XXXX - the fraudster transferred money from the hacked pay pal account out to his/her bank account. XX/XX/XXXX - I changed my password and contact information within the account. XX/XX/XXXX - the fraudster was able to regain access to my account, changing contact information back to him/her. XX/XX/XXXX - a Pay Pal credit card was opened in my name. I called the Pay Pal credit division notifying them of the fraudlent activity and was told they would close the account. I never received email confirmation of the account being closed. XX/XX/XXXX - After letting PayPal know a credit card was now opened in my name and asking them to close my account again, they put my PayPal account on hold so no transactions could take place. XX/XX/XXXX - buyers started filing cases against the payments for fraudulent activity. Pay Pal started deciding in the buyer 's favor on these cases, resulting in a growing negative balance in my account. XX/XX/XXXX - PayPal said they would reimburse me for the {$190.00} that was stolen from my savings account. XX/XX/XXXX- received an email from paypal that my negative balance was being sent to collections. XX/XX/XXXX - called to ask how to remove negative balance, was told to call the buyers or file a complaint through ic3.gov. PayPal said they wouldn't reimburse me.

The total amount taken out of my PayPal account was {$2900.00}
Consumer complaint received 2023-08-25
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. (MO)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-25
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. (TN)

i am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, 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 an 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 2024-06-04
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. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Consumer complaint received 2024-06-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/year> repaid auto loan from Bank of America in full and sold the car. 
As of XX/XX/year> still have not received loan lien release. 
Called 3 times and was told " it should have been sent ''. Was not given any tracking information or any proof that it was sent. Was told that they will resend which should take 20 business days. 

According to 301.640 section of Missouri State Law, lien has to be released within 5 business days.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a complaint previously that was closed XXXX. The issue continues. 

I receive credit offers from capital one for my ex wife from 6 years ago at my house with my new wife. My ex wife never lived at my current address. 

We have called capital one multiple times and have yet to see this fixed. The previous complaint was closed, but never actually fixed.
Consumer complaint received 2023-08-25
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. (TX)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (FL)

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in XXXX, XXXX, EXPERIAN. I appreciate your timely collaboration and I remain attentive to your effective and prompt response XXXX INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN INQUIRES DONT RECOGNIZE XXXX XXXX XXXX XX/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
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXXXXXX XXXX  XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of Experian and XXXX XXXX. An XXXX XXXX was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called XXXX XXXX and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. XXXX XXXX informed me that they would look into the issue and they closed the account. I also reported this dispute with Experian. I received notice at the beginning of XX/XX/XXXX that Experian had founded in XXXX XXXX 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. XXXX XXXX and Experian have yet to delete this information from my credit report. Whatever investigation XXXX XXXX did, they never contacted me for additional information to verify my identity, address, or phone number.
Consumer complaint received 2023-08-25
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)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-06-07
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
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)

I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND XXXX XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY EQUIFAX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. EQUIFAX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND XXXX IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. EQUIFAX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM ANNUALCREDITREPORT.COM
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-02
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. (GA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-06-04
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. (CA)

I am writing to inform you that I am disputing erroneous information on my credit file. These accounts are violating my rights under USC 1681. According to Section 604 ( A ) ( 2 ), a consumer reporting agency can not furnish an accounts without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse items of information, other than records of convictions of crimes, that is more than seven years old. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. 

The following accounts/items does not belong to me and was opened without my consent, permission, or authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX