davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute and report instances of identity theft that have affected my credit report. Upon reviewing my credit report, I discovered fraudulent accounts that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into these unauthorized activities. 

Details of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken the necessary steps to report these instances of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into these fraudulent accounts and inquiries and take immediate action to remove them from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
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. (PA)

I have always made my payments on time, and I am certain of this. What I am not sure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-22
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. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-22
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681. Furthermore, section 602 states I have the right to privacy ( 15 USC 1681 section 604a 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 2018-08-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Credit & Finance, Inc. (AR)

I had a credit card through commenity bank. XXXXXXXX XXXX was in the process of selling the accounts to XXXX XXXX. In that process I got behind on payments but never received anything in the mail from XXXX XXXX about this account. To my knowledge, once the account was with XXXX XXXX I did not receive any calls about my account. Around the beginning of XX/XX/XXXX, Atlantic Credit and Finance contacted my husband, who is not an authorized user on this account and is not listed on the account at all. He spoke with a woman named XXXX who worked at Atlantic Credit and Finance. She made him aware that my account was past due and they were attempting to collect a debt. My husband is a XXXX XXXX and due to the many scams going on would never give personal information or bank information without knowing the company and call is legitimate. They attempted to ask my husband for my date of birth, social security number, and other personal information. He, of course, would not give them this information. He asked them if this was legitimate then they should have the information. XXXX then proceeded to give him my social security number, date of birth, current address and other personal information. He did set up a payment plan to pay my debt. I never received notice of the payment plan. He received through the mail statements letting him know the amount was deducted. Nothing ever came in my name. He told me about this information, and at the time I was going through some health and emotional issues and did not have the time or energy to deal with it. Not only that, since it was now in his name, I did not know who to contact to deal with the issue. The end of XXXX, XXXX, my husband 's debit card expired, which was their form of payment. They sent a letter to my husband through USPS stating the payment would not go through. So, I called them to set up a new payment. While I was on the phone with a woman named XXXX who works for Atlantic Credit and Finance, I told her of the incident of XXXX from Atlantic Credit and Finance giving my social security number over the phone to my husband, and how I did not think that was legal. She repeatedly told me it was legal. I asked several times for her to provide documentation showing it is legal. She said she could not do that because she does not have that documentation. I did set up a payment plan to pay my debt, but I do want this company in some way reprimanded for this action. They could have been giving my information to any person. I originally filed a complaint with the Federal Trade Commission on XX/XX/XXXX and when I called to get an update on the status of the complaint was told to contact the Consumer Financial Protection Bureau.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was scammed by a subscription service that required payment prior to accessing the service. It started around XXXX XXXX XXXX  and I was charged for the service until about XXXX. I was scammed by XXXX  and the scam was mishandled by my financial institution, Capital One. I provided my payment info and proceeded to try to use the service. That is when I was given the message that I have " no active subscription ''. But, my card was still charged by the company, not once, but TWICE per month for a subscription that I was never actually given access to. I was unable to " cancel '' the subscription since the account did not reflect me having one. Yet, I was still being charged for service I was not receiving. I reached out to the email provided by their website and never received a response from the company. 
I attempted to file a dispute with my bank so that I could be refunded. My claim was denied not once, but THREE separate times. I explained the situation each time to whatever representative I got on the phone and I was told that they understood the problem and I just had to wait for the claim to be approved. I even emailed them screenshots with proof of not having any access to their service. After the 30 day waiting period, I received a notification from Capital One telling me that the claim had been denied on the grounds that I agreed to the terms and conditions provided by the seller. I would call my bank back and explain each time that the terms and conditions do not cover customers being overcharged for a service that they are not receiving. Each time I was told by the representative that they understood and were unsure of why it was denied. Only to wait 30 days and have them deny my claim again. I was charged {$56.00} for services that were then withheld from me. I found their XXXX page which actually has another review of a customer with a very similar complaint. 
There is no reason my claim should have been denied the first time since this is an obvious fraud, much less being in favor of the scammer THREE separate times. The explanation that " I agreed to the terms and conditions '' does not even address the problem mentioned in my claim, that I was being charged for services that I was not receiving access to.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

My Wells Fargo checking, and savings accounts were diminished suddenly and without warning, while I and my attorney representatives were in negotiations with Wells Fargo 's attorneys, XXXX and XXXX. They drained all monies {$3700.00} at the time from my checking account with no notice and {$1300.00} from my savings account at the same time with no notice. 


Please also see this : The Federal Reserve Board 's Regulation Z, Section 1026.12 ( d ) ( 1 ) : " General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. '' I never signed anything, electronically or otherwise, regarding a Deposit Account Agreement. I do not recall signing/initialing any portion of a Deposit Account Agreement. 

Since this has happened my account has gone negative, payments scheduled, have been declined and now late, mortgage payment has been declined, due to all of my funds removed without notice on XX/XX/2023.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was a mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always followed PayPal 's terms and conditions and have conducted all my transactions in a lawful and ethical manner. Therefore, I believe that this limitation is unjust and should be lifted. 

Furthermore, I believe that the limitation was placed on my account in error. I have not engaged in any suspicious or fraudulent activities, nor have I received any notification from PayPal regarding any unusual account behavior. I am confident that if PayPal re-examines my account activity, they will find that there is no basis for the limitation. 

I would like to take this opportunity to request that PayPal review my case and restore my account as soon as possible. I value my account and the services that PayPal provides, and I would like to continue using them without any interruptions. 

In conclusion, I respectfully request that PayPal re-investigate my account activity and consider lifting the limitation on my account. I appreciate your attention to this matter and thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2024-01-22
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have to try to fix an error Equifax has with my name and date of birth. They are reporting my name as XXXX XXXX XXXX XXXX and this is wrong. My name is XXXX XXXX XXXX XXXX theres supposed to be no slash. Also my date of birth is wrong, they have it as XX/XX/XXXX and its supposed to be XX/XX/scrub>XX/XX/XXXX I have submitted my id and ssn card twice by mail how they requested and they say that they have not received it. Now my id and ssn card information is lost and who knows where. I tried fixing it through myequifax website and upload my id and ssn card for the dispute of my personal information. I got a response saying the dispute was complete only to find out its still showing erroneous. I have tried to apply for credit and have been denied twice because the company can not access my credit report from equifax. I have letters from them stating the fact. When I talk to representatives at Equifax they authenticate my information with the information I give them, but when I ask how my date of birth and name appears in the system they give me the wrong name and date of birth information. I need this fix asap.
Consumer complaint received 2024-01-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I week ago I get a call from Bank of America regarding a financial request under my name. I was instructed to return that call to XXXX. They also gave me a case reference number. I didn't apply for a credit card from this bank. 
When I checked my XXXX report, I had a new credit inquiry from Bank of America ( XXXX XXXX XXXX XXXX XXXX Texas, TX XXXX Phone number ( XXXX ) XXXX on date XX/XX/2024. 
I called back the first number and gave them my name and case reference number, and I was told that they had made a mistake cause they misspelled my last name when someone else was applying for a XXXX Credit Card and they will sent a letter to XXXX. I'm not even sure whether that number is legit or a scam. 
I call XXXX and request them to issue a fraud alert on my credit report.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (NY)

I reported fraud at Robinhood on or around XX/XX/2023. I was told that it would take 7-10 busines days to investigate while my account would remain frozen and I would not be able to withdraw funds. It has now been almost one month and Robinhood refuses to explain why or how I will ever get my cash back that was in my cash wallet amount to XXXX dollars. Robinhood is illegally withholding my XXXX dollars. I have asked them in writing and over the phone at last a dozen times since XX/XX/2023 to close my account and send a check with my funds in the mail but they refuse.
Consumer complaint received 2024-01-22
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  XXXX Balance Owed : {$23000.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently reviewed my credit report in detail and I am shocked to see that I am a victim of identity theft. I have a collection account that is hurting my score and opportunities for credit. This account does not belong to me. Please remove this account from my credit report as soon as possible. 

Thank you, XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC Attn : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have received one so-called credit report from your company along with other companies, which prepared at one of your branch offices addressed XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. I have already mentioned to the previously sent report from the most likely, same branch, this report has the information about the XXXX  XXXX XXXX. I received one credit-report last year, XXXX, which mentioned other banks and credit card companies not only the XXXX XXXX XXXXXXXX . I would like your company to prepare the right and reliable credit report.

Sincerely,
Consumer complaint received 2023-05-01
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CA)

After doing a minor audit I found a fraud charge when I reported it to the credit card company my claim was denied with in 24 hours I dont think this is far as how can they investigate something that fast. I was defrauded and it seems like Barclay Rci elite reward is protecting this merchant instead of me as a customer.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.