davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

Unfortunately a few weeks ago I opened up a checking/spending account money market savings account and a savings account with Ally bank in the process I funded all of my accounts with large sums of funds from my XXXX XXXX XXXX XXXX account accumulating a total balance of {$80000.00} USD through an ach transfer using my XXXX # and routing #. All of my funds were transferred from my XXXX XXXX XXXX account successfully. I tried to send my nephew {$100.00} through XXXX and next thing I know I received an email saying all of my accounts were restricted. So I give Ally bank a call and the representatives transferred me to the fraud department where I received no help whatsoever some reps even hung up on me saying that they dont believe I am the true party before I could even give my information this totally sucks. I am totally depressed some nights I cant even sleep good just thinking about my funds being held in a account I have no access to I feel hopeless. I feel like Ive been robbed this should be illegal what Ally bank is doing just holding my funds and a large amount of $ XXXX at that. Please I just need some help I check the atms with my debit card and it only says I have a balance of {$40000.00} USD but I cant withdraw or make purchases with my card please I just need help and a peace of mind to know whats going on and where are my funds before I take legal action against Ally Bank.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contact Capital One Bank, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$1900.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for the complete account number and the amount of the debt. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, a copy of the charge-off statment, a copy of 1099-c, and proof that the alleged debt is owed by me including any signed agreement or contracts.
Consumer complaint received 2024-07-19
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. (MI)

After checking my credit report I have found XXXX XXXXXXXX XXXX XXXX to be in violation of several of my rights. The account is stated as opened on XXXX XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. Also, this information is also not true, accurate or fair as it is reporting invalid email, address, and phone number under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ).
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (AZ)

I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

On or around XX/XX/XXXX - XX/XX/year>. Multiple calls were made attempting to get assistance to make a payment. A call was necessary because I needed the payoff amount. I could not get through to an agent and was met with an automated message saying no one was available. It was obvious they were having system issues. I called a few times. As a result BMW has reported my account delinquent. This would not have occurred if their phones were operational. I am also currently experiencing an issue with making a payment with my debit card and that is also failing. I will be emailing a screenshot to web services regarding this. This complaint is only in reference to XXXX, which I have also confirmed with an Agent that BMW was experiencing phone issues on or around that time. The fact that I mentioned this in a Message in the online portal and BMW still chose to report this as late is unacceptable. I ask that you remove this ASAP. 
BMW has been never helpful in removing lates even as a courtesy, or due to covid. In this case this is your fault.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (KY)

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of Inquiry : XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On [ Date ], I sent a letter to Equifax notifying them of the reinsertion of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX and Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX and Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX and Equifax they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

They said they contacted me multiple times about a fraudulent check being deposited. I never got a call or an alert on my account then my account gets closed and they are holding my funds for almost two months with no mail or information on what is left in my account. Ive been with them Since 2013 so why would I attempt fraud nevertheless Ive had this same account for years. Ive been having to change my card frequently because of fraudulent charges and access to my account
Consumer complaint received 2017-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX ( coinbase ) XXXX experienced a flash crash around XXXX PT on XX/XX/XXXX. The price of ethereum traded went from over $ XXXX/coin to {$0.00} / coin in a matter of seconds before climbing back up to around the original value. This liquidated assets of literally every account that had a margin trade open and everybody lost all of the money in their accounts. I myself lost over {$30000.00} worth of ethereum in seconds. Many others lost more. I 'm sure the total losses were in the tens of millions of $ or much higher. This is absolutely absurd because no person could predict susceptibility to this kind of Market manipulation. It 's not acceptable for the exchange to expose their users to risks that can make them lose everything at such a moment 's notice. The Exchange needs to reverse the transactions that happened at this time, as it is currently they lose all credibility and their attempts to protect what happened as valid puts their relation to the matter into question!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account was closed after a payment was returned ( I explained that another bill overdrafted my account therefore bouncing back my payment ). Account access was removed right away, and I to date have not made any payments toward the balance. The problem is that capital one has been reporting on time payments until XXXX of XXXX, with the last payment made XXXX of XXXX. The last payment I made-verified through my bank statements-was in late XXXX. I have asked both capital one and the credit bureaus to correct this information, multiple times, and they have concluded their investigations with nothing changed, updated or removed. I feel this has harmed my credit worthiness showing such a recent late payment, and the capital one statements the way they were billed make me feel like some fraud may have been done.
Consumer complaint received 2024-07-19
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)

Transunion, are reporting an account that is closed and they are reporting with several errors which is illegal, this account was resolved and an agreement was reached with XXXX XXXX in which I would pay XXXX and we would close the case which I did here I attach proof of my canceled check and the letter I received from Credit Acceptance, Transunion in my credit file is showing that no payment was received in addition it is not reporting this account correctly, and I demand it be deleted from my credit
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. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just received my credit report and noticed that you are reporting this account incorrectly. This Late payment history is reporting the following months inaccurate, For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not paid at all But for EquiFax it shows everything is paid up untill the month of XXXX XXXX XXXX XXXX it shows a closed account with no credit history. This is inaccurate credit report, According to the FCRA, I have the right to an accurate credit report, Please remove this Account immediately from my credit report. Please provide me copy of my new credit report reflecting this account removed upon completion thank you
Consumer complaint received 2024-07-19
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. (CA)

Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or Transunion after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named XXXX XXXX has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to XXXX XXXX for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-11
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.

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 2024-07-19
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. (CA)

I am writing to express my deep disappointment and frustration with your bureau 's handling of the inaccurately reported late payments on my credit file. Despite the multiple dispute letters I have sent, your team has consistently verified these erroneous accounts, causing ongoing harm to my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. 
I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 
I demand an immediate and thorough re-investigation into these accounts. The current state of my credit report is causing undue harm to my financial standing, and it is imperative that these inaccuracies be corrected without further delay. I expect you to cease reporting these false late payments and to update my credit file accordingly. Furthermore, I require a detailed explanation of the verification process your bureau undertook that led to the continued reporting of these inaccurate late payments. Transparency in this matter is crucial, and I expect a prompt and comprehensive response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the XXXX le of the consumer. and according to 15 USC 1681 s-2 they are suppose to 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-19
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you