davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (CA)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Fraudulent Transaction Report Rejected Multiple Times by Bank Of America To Whom It May Concern, I am writing to complain that my report of a fraudulent transaction to BOA was rejected three times. I requested the cost be removed, but my request was denied. I seek resolution for this issue The story goes like this. 

On XX/XX/XXXX or XXXX, my credit card went missing, and on XX/XX/XXXX, someone began using it fraudulently. Unfortunately, I was unaware of the loss until XX/XX/XXXX when my bank detected suspicious activity on my account. 
I typically do not use this Bank of America card for regular purchases. It is for XXXX charging and minor expenses via XXXX XXXX, which is why I did not notice the unauthorized charges sooner. Because of this limited use, the fraudulent transactions went undetected for five days. 
After receiving a notification from my bank, I immediately suspended the card. Upon reviewing my statement, I discovered that a total of {$1000.00} had been spent across six unauthorized transactions between XX/XX/XXXX and XXXX. 
Even one of these transactions was made at a gas station in XXXX XXXX, a place I have not visited. ( Refer to the history for the fraud transactions below ) On XX/XX/XXXX, {$210.00} at XXXX in XXXXXXXX XXXX On XX/XX/XXXX, {$250.00} at a pet shop in XXXXXXXX XXXX On XX/XX/XXXX, {$210.00} at XXXX XXXX in XXXX XXXXXXXX XXXX On XX/XX/XXXX, {$230.00} at XXXX XXXX in XXXXXXXX XXXX  On XX/XX/XXXX, {$47.00} at XXXX XXXX station in XXXXXXXX XXXX On XX/XX/XXXX, {$100.00} at XXXX XXXX station in XXXX XXXX. 

Out of the expenses listed above, only the XXXX charge of {$210.00} was recognized as fraudulent and removed. I do not understand why only this particular charge was addressed.The bank deducted the remaining {$850.00} from my account. 

When I first reported the issue to the bank ( Claim Number : XXXX ), I was told it couldn't be approved because I had already received the product or service. After filing a police report ( Report number : XXXX, attached ) and resubmitting my claim, I was rejected twice more for the same reason. I also provided proof from my company HR that I did not leave work on the day of the fraudulent transaction. I need to understand why my claim was rejected and request a clear explanation. 

Thank you for your prompt attention to this serious issue. 
Sincerely,
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Form 1099-C - Discharge of Debt was filed by XXXX XXXX XXXXXXXX XXXX XXXX with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by XXXX XXXX XXXXXXXX XXXX XXXX because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS. 

XXXX XXXX XXXXXXXX XXXX XXXX has failed to notify me the year following the filing and has failed to update account number XXXX to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. XXXX XXXX XXXXXXXX XXXX XXXX had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. XXXX XXXX XXXX XXXX Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (GA)

I have complained about Barclays on numerous occasions to CFPB. Even though there is a conspicuos pattern of abuse CFPB has refused to do anything substantial to bring this abuse to an end. I guess this is because Genocide XXXX, who has spent a lifetime pandering to credit card companies set this bogus consumer protection bureau. On XX/XX/XXXX I purchased air tickets on the website XXXX. The Barclay credit card is affiliated with XXXX and I have been a member in good standing for over XXXX years. According to the rules if I purchase something on the website I get XXXX the normal points whhich I can redeem at a later time. I informed this dullards that they failed to assign the correct points. Instead of rectifying the problem These dullards said they would get back to me in a week to 10 days. Here we are over XXXX weeks later and no sign of rectifying THEIR mistake.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rocky Mountain Capital Management (OH)

I DONT RECOGNIZE THIS CREDIT REPORTING PARTY WHICH IS ROCKY MOUNTAIN XXXX, never did business with, notwithstanding the FACT that the information is incomplete, inaccurate, incorrect payment history 15 usc 1681 ( b ) insured maximum accuracy of the furnisher. Never received any proof of debt, please re-investigate this mis information the FCRA states the furnisher to report complete and accurate information
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Subject : Dispute of Reinserted Information and Removal of Incorrect Information To Whom It May Concern, I am writing to dispute the reinsertion of information that was previously deleted from my credit report. The information in question was deleted as a result of a dispute I filed, but has now been reinserted without proper certification of its accuracy and completeness.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), any information that has been deleted from a credit report can not be reinserted unless the information provider certifies its accuracy and completeness. Furthermore, the credit reporting agency must notify me within five business days of the reinsertion, providing the name, address, and phone number of the information provider. 

Please provide me with : The name, address, and phone number of the information provider that certified the accuracy and completeness of the reinserted information. 
A description of the procedure used to determine the accuracy and completeness of the information. 
A free copy of my credit report reflecting the reinserted information. 
Additionally, I request that you conduct a reinvestigation of the reinserted information to ensure its accuracy and completeness. Please provide me with the results of the reinvestigation once it is completed. 

Furthermore, I have requested on numerous occasions for the removal of incorrect personal information from my credit report. This includes : Incorrect names Incorrect employer information Incorrect phone number Despite my previous requests, these inaccuracies remain on my credit report. Please correct these errors and provide confirmation once they have been addressed. 

Thank you for your prompt attention to these matters. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-06-02
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am Filling this Complaint Against credit report agencies transunion, XXXX and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to XXXX  Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, transunion and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Consumer complaint received 2024-07-26
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX around XXXX time, I deposited {$2000.00} ( XXXX ) to pay my credit card bill for card ending XXXX at the Chase ATM located at XXXX XXXX XXXX XXXX XXXX PA .

ATM accepted the cash deposit, then tried to count/ calculate the cash and then errored out. The ATM did not even return my cash and instead it just displayed that the ATM is out of service and gave me the receipt ( attached ). 

I called the credit card support immediately and they informed me that they will check and for time being they made a temporary deposit for {$2000.00}. On XX/XX/XXXX, that transaction is reverted back with out proper details. Calling the customer support is also not helping. I am trying to track either the ATM transaction that I made on XX/XX/XXXX morning or the Credit card transaction that ties to the ATM transaction to locate the cash deposit. ATM transaction for money deposit is completely disappeared without any trace or accountability. Please help me.

Attached is the receipt to lookup the transactions.
Consumer complaint received 2024-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (SC)

GM FINANCIAL WAS SENT A 1099 C CANCELLATION OF DEBT XX/XX/year>. A 1099-C IS A CANCELLATION OF DEBT WHICH MEANS THERE IS NO DEBT AND THE DEBT SHALL BE REMOVED IMMEDIATELY UPON THE COURT ORDER 1099C FROM ALL BUREAUS FIRST, SECOND, AND OTHER AFFILIATES WHICH ARE AGAINST THE LAW TO REPORT ON A CONSUMERS REPORT. IT HAS NOT BEEN REMOVED AND ALL REPORTING BUREAUS HAVE THIS INFORMATION. PLEASE REMOVE THIS DEBT BECAUSE GM FINANCIAL HAS RECEIVED IT. PLEASE DO YOUR DUE DILIGENCE OF WHAT A 1099 - C IS.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital One Bank ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WI)

My husband had a fraud on his Sam 's Club Synchrony bank credit card account in XXXX and XX/XX/XXXX. He reported the fraud multiple times and they kept transferring the balance to the new cards issued. 
He passed away XX/XX/XXXX. We've been fighting with Synchrony Bank to close the account since. We have reported his death multiple times. He had two other cards through them that were closed but they continue to collect on this one and send threatening letters that they are going to sue us. 
My daughter and I called and spoke to XXXX today who advised we didn't report the death. My daughter advised all the dates and times she called as well as the letter mailed on XXXX by certified mail that was received by them and the death certificate was enclosed. He reviewed and found the letter but stated we didn't send the death certificate, which was in the same envelope. They continue to send threatening letters and refuse to close the account. 
I've attached the fraudulent transactions that were reported in a file with a letter to XXXX. They removed the account from my credit report. The only remaining balance on the card were the fraudulent transactions.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/year>, I submitted a complaint to the CFPB portal ( complaint # XXXX ) regarding the following accounts : XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX  - Account # : XXXX and on or about XX/XX/year>, TransUnion responded back to me on the CFPB Portal that these accounts were verified, which is more than XXXX  days after the initial dispute submission, additionally failed to provide the results with XXXX  days of the reinvestigation
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (MA)

Google suspended my account gpay and XXXX XXXX payment method for no reason. Ive been using my XXXX account for over XXXX years and never had a problem with this. Google XXXX browser accidentally used XXXX XXXX as a name that I dont use. Ive told Google that my name is XXXX XXXX and Ive used XXXX for over XXXX years. I verified my name and Id with my license XXXX XXXX to verify Im the original owner
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts XXXX sent certified mail. they sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.