davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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 recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that were not open by me.Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-12-08
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: TRUIST FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 181 SECTION 682 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report furnish an account without my written instructions.

15 6SC 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

A new {$1.00} paper statement fee was added to my account on XX/XX/XXXX. 
I verified I have never been charged this before. This is a new fee that was not in the original XXXX XXXX XXXX, and I did not agree to this new fee. 
I called and had the fee reversed, but I am filing this complaint on principle. 
I asked if they sent notice of this new fee and if so how they sent it -- mail or email. 
They said they sent notice of the new fee on XX/XX/XXXX by mail to my home address, but I don't recall receiving that letter. It may be true ; I don't know.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (OK)

NATIONAL CREDIT SYSTEMS , INC junk debt buyers have purchased a debt that is untenable and discharged under federal law. NATIONAL CREDIT SYSTEMS , INC is not a creditor and is in direct violation of the Bankruptcy Act, as codified under USC Title 11 et seq. NATIONAL CREDIT SYSTEMS , INC. is also in direct violation of 15 USC 1681b ( impermissible credit pull ) whereas the damaged party shall find restitution under 15 USC 1681n. The above mentioned junk debt buyers had a duty of care of making sure not the violate any consumer rights with respect to the consumer, having failed to do so. Govern Yourselves Accordingly.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (MN)

Ollo credit card was bought out by Ally Credit Card. I was supposed to be able to log on and create a new profile and open the on line account. This transition was on XX/XX/XXXX. I have been trying to get customer service to resolve this issue but as of todays date they have not. I continue to get messages that my information dose not exist. The only way to see my balance is by logging into the old account ( Ollo ) and am able to at least see my balance. I have no way to check my account except by phone.
Consumer complaint received 2024-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : -Cap One on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

To Whom It XXXX Concern : I am writing to make a formal complaint to TD Bank , N.A . I am seeking directive assistance from CFPB. This is a solution to someone so I can be heard and take seriously in protecting my information. I was/still am a victim of identity theft since XX/XX/XXXX. 

A XXXX XXXX credit card account was opened with TD Bank XXXX fraudulently with my information without my knowledge and consent in XX/XX/XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX and reported account opened fraudulently, Given my contact information. I was provided with the case # XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX once again. Spoken with XXXX XXXX from XXXX XXXX and confirmed the account has been closed as of XX/XX/XXXX. 

On XXXX XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. Verbiage is vague so I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Left several voicemail message and never received a reply. 

On XX/XX/XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. XXXX is vague. Today { XX/XX/XXXX } I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Risk XXXX told a call was made to TD Bank XXXX on XX/XX/XXXX, a security code was sent to XXXX as resulted of the account was reactivated. In addition, she said the case has been closed and if I want to investigate, so I will need to open a new case. 

I am extremely baffled with facts that ( 1 ) TD Bank XXXX had knowledge that the credit card was opened fraudulently and closed the account on XX/XX/XXXX, ( 2 ) TD Bank failed to verify the caller identity, Accept the risk on themselves and sent the security code resulted the credit card account reopened without my knowledge and authorization. Today, I made the call to TD Bank XXXX XXXX XXXX @ XXXX - to setup a new claim as I was instructed. The phone system did not respond to my cellular phone. 
The phone # that I had registered in the case when opened initially and there was no live attendant. 

TD Bank XXXX XXXX XXXX is not/ has not diligently in protecting my information. This resulted distress because once again having to deal with this nightmare. 

Due to data sensitivity, I didn't include the full account in this complaint. It will be readily available to provide upon request. 

I attest the statement made herein is truthful under perjury. Thank you. Best, 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. (MS)

My information was breeched a few years back when I went on vacation on the XXXX XXXX XXXX. I've been trying ever since to get my credit and other information back on track. This XXXX card is not mine and I need them to remove it.
Consumer complaint received 2024-05-01
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. (FL)

I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX, Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

In XX/XX/2024 I received a notice of " Important Changes to Your Account Terms '' from Synchrony Bank, the issuers of the Lowe 's store credit card. In addition to their already usurious 31.99 % interest rate on the card for carrying a balance, the company now wants to charge a {$1.00} " Paper Statement Fee '' forcing customers like me who prefer ( or for customers without internet access, need ) mailed paper statements. Internet access is NOT free and it is not currently universal whereas the USPS services the entire U.S.. One should not have to have internet access to avoid this fee. Mailing of bills is a normal expense in this industry ... companies should be able to incentivize customers to switch to emailed statements if they don't mind but companies should NOT be able to punish customers who either can not or prefer to not receive emailed statements. There is a lot of talk about " junk fees '' and this certainly seems a prime candidate!
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take 7-10 business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). 

I have already made a complaint on XX/XX/XXXX. BofA called me on XXXX XX/XX/XXXX, but I didn't answer the call because I was attending a course. After the course, I called her back, but there was no reply ( about XXXX ). And she still has not yet called me back until now! 

I don't understand why this is so hard to transfer my own money. Why it takes so long???!!! Over 7 business days, of course, even over 10 business days!!!!!
Consumer complaint received 2023-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TX)

SATISFACTION OF LOAN AND DEBT RELEASE ( Sent to Bridgecrest XXXX ) I am writing to confirm that account # XXXX has been paid in full and this has satisfied any and all obligation to the said Retail Installment Contract. The final payment ( s ) is hereby made as satisfaction of loan and debt release status as of XX/XX/, showing in the amount of {$14000.00} ( Remaining Principal Balance ), and any additional interest and/or fees associated with account above in accord and satisfaction of debt as a whole. Account status is now Paid in Full as this was confirmed by agent during phone call made XXXX at XXXX and re-confirmed by another agent including title release information via text communication made XX/XX/ at approx. XXXX to ( XXXX ) XXXX. Therefore, any statements made to credit agencies or any other credit reporting bureaus must be made aware that this debt has been satisfied and Paid in Full. Furthermore, you shall refrain from making any more claims in relation to this debt as it is considered to be satisfactory of the loan, including any and all obligations in connection with the XXXX XXXX XXXX, and is now hereby released of any and all debt. 

Please notate statements on Invoice # XXXX which is an attachment of electronic payments made on XX/XX/2023 ( Sent to Bridgecrest dated XX/XX/2023 ) which confirms payment if full in accord and satisfaction of said debt and payments were accepted by Bridgecrest
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my credit card was used to fraudulently purchase theatre tickets at XXXX XXXX for XXXX XXXX in the amount of {$980.00}. Unfortunately, I was never made aware of this transaction, even with mobile alerts enabled on the account. To my surprise, reviewing my XXXX transactions with my tax representative. The transaction was flagged and I immediately called Capital One. Just after getting off the phone, they immediately closed the case citing a valid charge, based on the reporting timeline. 

I found the merchants information online for the XXXX XXXX for XXXX XXXX. They confirmed the transaction was fraud. They also stated the customer information for the credit card didn't match my customer profile. They used an alternate name, email, and phone to make this transaction. Information that should've flagged an alert with Capital One. Instead, Capital One approved the transaction with ZERO notification outside of a paperless statement that is only saved within the app and wasn't properly brought to my attention. Furthermore, Capital One is charging nearly 28 % interest on this transaction on my account. So not only has my private information being compromised, Capital One is capitalizing on behalf this fraudulent charge. 

I have been a customer for several years. I expected Capital One to promptly inform me of this transaction. Capital One violated my privacy and breached the contract security terms for this card and processing. An extension to this reporting timeline for this future dated purchase should be implemented for their failure acting on my behalf for a service that was able to successfully authorize this payment with incorrect contact information. 

I do intend to file a police report as well for supporting evidence. But expect Capital One to do the right thing by their customer considering this unique circumstance. I trust Capital One will uphold the integrity of this account and relationship with their customer and take responsibility for not properly flagging this transaction.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Consumer complaint received 2023-10-26
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. (CO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

I was unfairly charged the following absurd fees. The account had sufficient funds throughout these periods. 
XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00}.
Consumer complaint received 2024-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is the timeline : XX/XX/XXXX : I reached out to the e-mail on a house ad named XXXX XXXX about renting a house. She said it was available but would not give me location until I booked it XX/XX/XXXX e-mail. 
XX/XX/XXXX : She sent me cancellation policy stating that If you cancel your bookings two week prior to check in date, you will receive a full refund. 
XX/XX/XXXX : She sent me the invoice and wanted me to pay XXXX to XXXX, I didnt feel comfortable, so I asked to use your Capital One. 
XX/XX/XXXX : She sent me a link XXXX XXXX XXXX and gave me my username XXXX Password : XXXX. I clicked on the link and paid it. Now when you click on invoice it is gone. I did include a copy of it. It is billed through XXXX on our account. 
XX/XX/XXXX : She said payment received. Prior to our arrival, she would give me details. 
XX/XX/XXXX : I said our plans have changed and I am requesting a refund. 
XX/XX/XXXX : She said Will do, thanks for letting me know. 3-5 business days will reflect on my card. 
***Money never came back!

**We called the number numerous times on invoice and no answer. 
**I called the actual XXXX XXXX XXXX  XXXX, which is the name of the campground. They said the property I booked has a flag for fraud and the name XXXX XXXX doesnt exist. I booked through XXXX XXXX XXXX ( this doesnt exit ) XXXX : I e-mailed again that payment didnt come back. She never replied. 
XXXX : began email XXXX customer service in an effort to help with this matter. Attached is my dialogue with them. They too have been unhelpful. They keep asking for our account information with XXXX. WE DO NOT HAVE AN ACCOUNT with XXXX. The person who scammed us, used XXXX, we did not. 
XXXX : Various calls with Capital One. A dispute representative told me that I would get my money back. Never came .... 
XX/XX/XXXX : Capital one reopened my case XX/XX/XXXX : Capital one told me there is nothing they can do. 
Capital One will not refund the money. I have provided all the documentation to them. 
Thank you, XXXX and XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (AL)

This account was opened on XX/XX/2022. It has a balance of {$2100.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and inaccurate.
Consumer complaint received 2024-01-26
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)

Name XXXX XXXX Address XXXX XXXX XXXX Credit Bureau Name : EQUIFAX DATE XX/XX/year> RE : Social Security Number : -- XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it related to credit inquiries that I did not authorize, made by the following XXXX  : EQUIFAX Inquiries : 5 THE Proof is the PICTURES I sensed with the letter..

I did not authorize anyone employed by these companies to make an inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals XXXX XXXX XXXX should you continue in your non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals O '' ce CC XXXX XXXX XXXX XXXX  XXXX is a copy of my drivers license, SS card and third form of ID.

Remove all addresses that not on the ID 15 USC 1681