davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to complain about how Capital One is handling my on line credit card purchases for the account ending in XXXX. The decline almost every transaction, stating that it is " suspicious '' as fraud. Almost EVERY transaction. 

Usually they just send a text asking me to confirm that it was me doing the transaction. Sometimes, they make me call in and their automated system will ask me to confirm the transaction, and then says to resubmit the transaction and they will unlock the card. 

Today, XX/XX/2023, was different. I had to call in, there was no automated verification, so I had to wait on hold. I punched in confirming information ( which they want to know it's me ) and then was on hold for another XXXX minutes waiting for a representative. The representative was courteous, but had no choice as " the system '' required her to ask all these questions as my account had once again been flagged as suspected fraud over this latest {$8.00} online transaction. Even though they confirmed my phone number I was calling from, they wanted all of this information : 1. My full name 2. My address 3. My phone numbers ( both the one I was using to call them and the other one I never use but is the house land line phone ) 4. My credit card ending numbers 5. My credit card CVV number 6. To verify a transaction from 2 weeks prior 7. To verify a transaction previous to that ( both of these were transactions they declined and I gave up and used my XXXX card to make the purchases ) 8. Asked if I had the card in my possession.

9. Asked if I knew my online banking credentials for sign in.

10 Asked if I had signed in to online banking in XXXX ( XXXX months prior ). 

ONLY then did they ask me about the {$8.00} transaction. 

WHY did they have to ask all that information when they KNEW I was calling from a number they have on file and then pester me with all those questions when it was obvious it was me on the phone. 

What bothers me most is that they do this for almost EVERY transaction - using the card has become a problem because they constantly decline my transactions. It has gotten to the point where I'm using other cards instead of theirs because they decline all of my transactions until I call in XXXX other cards do not.

This account has not had fraud on it, and I have had the account for quite some time. There is something wrong with their fraud flag system if they reject almost every on line transaction I attempt to make, particularly when others don't. And this time, I had to spend XXXX  minutes on the phone answering a ridiculous amount of questions when they knew I was calling my the phone number they have on file!! And asking about signing in to online banking XXXX  months ago or to verify transactions from weeks ago? Ridiculous. 

I'd like you to raise this with them as it's no longer for my protection, but clearly to stop me from making online transactions. Their fraud flag system flags everything!!
Consumer complaint received 2023-12-18
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. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-12-14
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. (TX)

Had a soft and then hard inquiry from XXXX XXXX XXXX XXXX XXXX which is a XXXX credit card. Was not me. I contacted XXXX and after much research, they found that someone tried to use my name to open a credit card account online, but had none of my PII, no social security number, not even the last 4 of my social. No credit was extended but somehow this remains as a hard inquiry on my Equifax report. I called Equifax, explained they should have never allowed an inquiry with no SSN, but they refused to remove it from my credit report. I need help having them remove this fraudulent inquiry.
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (MO)

Experian closed ANOTHER complaint without addressing the problem and yet again give explanations that are ridiculous and have absolutely nothing to do with the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-12-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Upon contacting the company, they have declined to remove an item from my XXXX account that I never possessed. I have provided evidence that the item was returned to XXXX XXXX in XXXX, but they have refused to acknowledge it. Here is the proof from XXXX XXXX confirming the return. According to their policy, there is a XXXX window to return the item, which was indeed returned and received in XXXX.
Consumer complaint received 2024-05-08
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. (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.

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 2024-06-13
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-18
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. (DC)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I, XXXX XXXX, am formally writing this complaint to address a matter in which I, XXXX XXXX, have reason to believe that I, XXXX XXXX, am a victim of abusive and deceptive behavior by a debt collection company. This company has XXXX different names, COLUMBIA DEBT RECOVERY and GENESIS. It is my overstanding that the FDCPA prohibits debt collectors from using business names other than their true name per 15 USC 1692e ( 14 ) of the FDCPA. The debt collection company failed to validate an alleged debt they claimed I, XXXX XXXX, owe. Written notice was sent to them on XX/XX/XXXX requesting them to properly validate the debt. COLUMBIA DEBT RECOVERY DBA GENESIS did not provide any answers as requested in the debt validation letter per 1692g, 12 CFR 1006, and 1692B of the FDCPA to validate the alleged debt. There was provided a copy of an old contract and electronic model form b1 form with violations in the electronic email. COLUMBIA DEBT RECOVERY DBA GENESIS never received permission from XXXX XXXX to use the number associated with any such accounts allegedly associated and as stated in PRIVACY ACT ( 5 U.S.C. 552a ), they did not provide XXXX XXXX with the purchase agreement that gave them legal permission to obtain XXXX XXXX social security number and any other classified information protected by the Privacy Act of 1974 as requested. This is a violation of the PRIVACY ACT. COLUMBIA DEBT RECOVERY AKA GENESIS stated in their response to the debt validation letter that the alleged debt will accrue interest which is a violation per 15 USC 1692f ( 1 ) ( FDCPA ). COLUMBIA DEBT RECOVERY DBA GENESIS name indicates that they are in the debt collection business which is a violation of 15 USC 1692f ( 8 ). COLUMBIA DEBT RECOVERY DBA GENESIS furnished the alleged account in my XXXX Consumer Disclosure Report indicating they are collecting as an attorney. This is a violation of 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and 15 USC 1681s-2 - ( FCRA ) for reporting inaccurate information to the CRAs. Attorneys can not be debt collectors and debt collectors can not be attorneys. COLUMBIA DEBT RECOVERY LLC DBA GENESIS did not provide any proof showing that they were licensed to collect in the state XXXX per XXXX XXXX ( XXXX ). COLUMBIA DEBT RECOVERY LLC DBA GENESIS was demanded to cease and desist all collection activities immediately for abusive and deceptive behavior used against XXXX XXXX to collect the alleged debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS will not cease despite the abuse and violations of my federally protected rights. I, XXXX XXXX, am aware that this debt collection agency has been sued in XXXX for abusive deceptive practices per Creager v. Columbia Debt Recovery in which they were judged for that matter. I, XXXX XXXX am aware that this debt collection agency is a junk debt buyer flagged as an abusive debt collection company.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2023-12-18
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-18
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-05-08
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)

I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inacurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 I have no recollection of initiating any transaction or applying for credit with XXXX XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticty. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable prof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 

Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 

In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MD)

The total amount of money lost was about {$6200.00}. I explained to my bank that the money transferred into my XXXX XXXX had been stolen but they said there was not enough evidence to prove that the money was stolen. Under the assumption that I was in a partnership with someone I met online, he told me he wanted me to learn crypto and he would repay me if any of my money was lost. This began in XXXX XXXX XXXX and was over by XXXX XXXX XXXX. The person who scammed me created arguments until he fully backed out of the conversation, making it impossible for me to transfer my money back into my account.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.
Consumer complaint received 2024-05-08
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)

This is maybe my 7th or 8th time disputing and reporting these fraudulent accounts reporting to my credit report and they still are not being removed. I'm not sure what more steps I need to take but I need these accounts removed immediately. Theyre affecting my life in ways that are more than detrimental.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We reached out to Bank of America in XXXX, XXXX  regarding re financing our home because the house was in foreclosure. We received a letter from BOA, stating we were eligible for assistance and an application would be sent out. We received the application, completed it and mail to them with requested info. I called BOA to see if application was received and it was. The next week I called to find out status and more info was requested. I faxed the info to them. I called to see if they received it and it was received. While waiting for letter regarding the status of application a letter was taped on our door XX/XX/2018, stating we had to vacate house within 3 days because the house was sold in an auction. We were very devastated. I call the acct manager and she told the house wasn't sold, I told her about the notice we received. The manager told me I needed to speak to the foreclosure department. She transferred me to them and I was told I needed to speak to the acct manager, I call acct manager back and she told me to call foreclosure attorney. I called the attorney and was told they only do paperwork for BOA and to call the acct manager back. They were all passing the buck causing the ball to be dropped. No one assisted me. I need to know why. We purchased home in XXXX and fell on hard times throughout the years. We reached out to Bank of America for help to keep our home and we were deceived and misleaded by Bank of America. Thank you for looking into this complaint and let us know our rights regarding this matter. If you need additional information, please call me at XXXX. Thank you
Consumer complaint received 2023-11-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Recieved email from Bank of America on XX/XX/ XXXX XXXX XXXXXXXX XXXX stating that an online banking account was opened. On XX/XX/2023, I received an email from XXXX XXXX ( a subsidiary of Bank of America ) stating that an application for a XXXX account is under review. At XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX XXXX to rectify the situation. They confirmed that the activity was fraudulent as the user entered my social security number, date of birth, address, and name. They closed the application and flagged my social security number to prevent users from making an account with it. The representative also informed me that this information would also be passed along to Bank of America. However, I received another email from Bank of America stating that an online banking account had be created on XX/XX/2023.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-08
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. (TX)

Improper use of my credit report. XX/XX/XXXX and XX/XX/XXXX these two collections were added to my credit report. They have been reported improper information on my credit report.