davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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)

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I disputed XXXX hard inquiries with each company and they claimed that they sent letters to the 3- bureaus but once I notified them a month or so later the companies said I had to contact the 3 bureaus to have the hard inquiries removed but they gave me the run aroundIve been trying to dispute these hard inquiries since XXXX. My credit report been under fraud since XXXXXXXXand Im still a victim of fraud. I was in prison from XXXXXXXX XXXXThe potential negative item came from my old bank XXXX XXXX  which XXXX had hooked my bank card to cash app and was a victim of fraud,. Someone did an overdraft of {$500.00} and the fees made it {$13.00} and something dollars which I disputed and won. Industrial bank put the account at XXXX but did it as an charge off when it wasnt. XXXX points were taken from my XXXX XXXX. I disputed that but nothing happened. Can you help me because this is stressing me out. Thank you and have a blessed day.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I HAVE A CHASE CREDIT CARD. A FEW DAYS AGO I OPENED A CHASE PERSONAL CHECKING ACCOUNT ONLINE AND EVER SINCE I DID, I'VE BEEN LOCKED OUT OF MY ONLINE ACCOUNT. I CAN NOT LOG ON TO MAKE A PAYMENT. AS OF TOMORROW, I WILL BE LATE MAKING MY PAYMENT AND I'M NEVER LATE MAKING MY PAYMENTS. I'VE CALLED THE NUMBER IT SAYS TO CALL WITH THE MESSAGE SAYING THERE'S SUSPICIOUS ACTIVITY BUT ALL THOSE IDIOTS DO IS KEEP PASSING ME FROM ONE PERSON AND DEPARTMENT TO ANOTHER NOT GETTING ANYTHING ACCOMPLISHED. I'VE TALKED TO NUMEROUS PEOPLE IDENTIFYING WHO I AM AND ALL THEY DO IS TRANSFER ME TO ANOTHER PERSON TO IDETIFY WHO I AM. I DON'T HAVE TIME FOR THIS XXXX XXXX!!!!! ALL THEY DO IS KEEP TRANSFERING ME THAT'S IT!!! MY ACCOUNT IS LOCKED. I CAN'T MAKE A PAYMENT AND I'LL BE XXXX IF THEY REPORT LATE PAYMENTS TO THE CREDIT BUREA BECAUSE OF THEIR XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/XXXX I made a purchase for XXXX wigs from XXXX for XXXX. On XX/XX/XXXX I received an email from the merchant that they did not have enough product & would refund in XXXX days. In XX/XX/XXXX I received another email that said it could take up to 30 days. On XX/XX/XXXX I filed a dispute with my bank USAA & gave the emails from the merchant. At that time I received a credit. I received an email on XX/XX/XXXX that said it was closed because more info was at said it was closed because more info was needed & the credit was reversed. A rereview was submitted that same day. I resubmitted the XXXX emails from the merchant again. The next day on XX/XX/XXXX I received another email stating that I resubmitted the same documents & there was no error found from the merchant. However, in both emails the merchant acknowledges that I would not receive what I ordered & to go through my bank to get my refund faster. On XX/XX/XXXX I called back again & spoke with a USAA manger who told me there is nothing more that I can do. I called back & spoke with another manager who told me that a dispute analyst would call me within XXXX business days. I received a call today, XX/XX/XXXX, at XXXX but could not hear anything. Once the voice did come through I was hung up on. Of any dispute that was ever placed on my behalf this has been the one time that Ive had a direct email from the merchant stating I would not receive what I bought & I do not understand why USAA would not handle this issue, especially when they state that they guarantee the return of money for their customers if defrauded. This is the XXXX time Ive gone through this was USAA & I refuse to allow this to happen again. I will be closing my account once I complete handling this issue. As a XXXXyear veteran of the XXXX XXXX I do not feel that my money or myself I Has been taken care of or handled with care.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-07
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted XXXX identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent in documentation and been through all types of hoops since XXXXXXXX XXXX wrongfully closed this account due to a false death indicator without proper documentation or investigation. 

XXXXXXXX XXXX  has inaccurately reported this account to have late payments as well as closed the account due to false information they did not investigate causing great stress and costly damages to my credit report and personal life. 

Equifax refuses to remove the inaccurate late payments as well as my request to delete the account My rights are being violated as a consumer outlined in the FCRA, which states I have the right to fair and accurate reporting. The FCRA also states Equifax has a duty to uphold fair and accurate reporting. They can not willing report inaccurate information. 
Yet, after this account has been proven inaccurate and removed from the other credit agencies they continue to ignore my request for deletion.
Consumer complaint received 2023-08-02
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-06-07
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)

XXXX XXXX Account Number- XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my early warning consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To follow up on Complaint ID : XXXX Of course, I am not satisfied with Capital One who took 16 days to give me a ready-made response allowing them to deny any wrongdoing. 
I want them to investigate the circumstances of the transaction by approaching the employee who supposedly helped me. He should remember me well, as it usually happens, because of my strong accent, and because I doubt that he is often dealing with a customer bringing this amount of money. He should be able to corroborate that I wanted the 5.10 % rate for 10 month, and that the 4 %, 3 year term has never been even mentioned or talked about. Once again, Capital One employee, because of my difficulties with the use of the tablet, intervened and dealt personally with it as well. It's evident that a mistake has been made. Do not disregard the responsibility of counsel of your employee, and do not discard the possibility of an oversight of his part. 
After XXXX weeks, you needed more time to investigate, you said, but your response does not reflect any research but solely a easy way out using the banking rules. 
I am also so sorry that XXXX is not able to answer his phone when contacted at the number and ext. provided.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had BANK OF AMERICA checking account ( Account # XXXX ) since XX/XX/2023. 
I had a lot of transactions with this account like debit card purchases and some check deposits. I never had problem with check deposits and it has been cleared all the time. 
My last check deposits was for amount of XXXX $ ( dated XX/XX/2023 ) from XXXX XXXX XXXX, I had deposited that check on XX/XX/2023. ( check # XXXX ) After completed deposit I got email from Bank Of America informed me my deposit check has been hold till XX/XX/2023 and my available balance will be delay, because they believed that check is not gon na be clear. On XX/XX/2023 I got another email from Bank Of America that informed me my amount will be hold until XX/XX/2023. 
I was ok with that situation because my account wasn't that old and they need to verify that check. But right ofter that email I tried to login to my Bank of America online account ad it showed my account is blocked. 
I called to Bank Of America to see reason of my account blocking and they told me they closed my account because of bad check, I ask what does bad check means and they told me the check issuer bank didn't verified my check and it is a fake check. 
I called to the company who gave me the check ( Check issuer bank is XXXX XXXX  and the company name is XXXX XXXX XXXX XXXX ACCOUNT NUMBER... ... XXXX ) and told them the situation of me. 
After that the XXXX XXXX XXXX XXXX company sent me their checking account screenshot picture proof my check was cashed from Bank of America. 
I have proof the Bank of America has been cashed the check from XXXX XXXX XXXX XXXX. 
on XX/XX/2023, and they never deposited to my account. 
They don't let me login to my Bank of America and no body answer my questions. 
I need resolve this problem get my XXXX $ money back and reopen my bank account.
Consumer complaint received 2023-09-15
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. (AZ)

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.