davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX, my social security was deposited and I couldn't get it out in its entirety. The identity theft person kept changing my pin and they ended up taking my money, basically {$1400.00}. I took out {$600.00}. The daily limit was met, there was about {$800.00} left. I called Netspend and I told them what happened and they wouldn't let me transfer the rest of my money out. So the thief took the balance out later that day and the next day. I couldn't access my account. The identity theft people kept changing my pin, email, security questions and password over and over. The bank wouldn't freeze my account. I begged them over and over to freeze it. I asked them why they didn't freeze it because of all the unusual activity. Who keeps changing all this access information? I've been a customer since XXXX. I have sent the bank at least XXXX emails, gotten a police report, contacted the FTC, FBI and I provided all of this information to the bank. The dates my money was withdrawn are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I asked the bank repeatedly to freeze my account. They didn't. I told them several times to do this. I even reset my security question, the thief changed that. Then I was unable to access my account because they changed EVERYTHING and they were going to send an access code to the fraudulent phone number. I was so upset. They had essentially stolen my account, and the bank let them. This money is what I live on. I'm very upset, to say the least because I had to prove everything over and over again. The customer service people wouldn't let me speak to a supervisor, and nobody would let me know the dispute departments phone number or email address. I was passed on from one person to another and it was obvious to me they were trained to deflect people from finding out specific information. I believe this bank acted in an illegal manner, in my opinion. I want my money back with none of the flimsy excuses and I need it ASAP. I need my medications. I have several illnesses, serious ones. This has caused me so much stress I can not eat or sleep well. I just want/need my money back and I want to be done with them. False promises and their excuses ... they can keep them.
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-07-20
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. (VA)

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 XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to XXXX XXXX and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly 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 necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-04-26
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. (DE)

I am writing to dispute the presence of inaccurate and damaging accounts on my Experian credit report. Despite my efforts to rectify this issue and providing evidence, Experian has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Experian : XXXX XXXX Account # XXXX : Experian removed this account from my credit report, which I greatly appreciate. However, there is another XXXX XXXX account that Experian has failed to remove. 
XXXX XXXX Account # XXXX : Experian continues to report a XXXX XXXX account on my credit report, despite receiving notification from XXXX XXXX that this account has been deleted from their records. I have attached a letter from XXXX XXXX confirming the deletion of this account and requesting its removal from my credit report. 
In addition to the letter from XXXX XXXX, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Experian 's failure to comply with my request and remove this inaccurate account from my credit report is not only a violation of my rights but also against the law and the FCRA. 

I demand that Experian immediately rectify this situation by removing the aforementioned account from my credit report. Failure to do so will result in further legal action. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had a statement balance due XX/XX/XXXX of {$1800.00}. I had a credit of {$44.00} applied XX/XX/XXXX and made a payment of {$1800.00} on XX/XX/XXXX. I was still charged a {$14.00} interest charge even though monthly balance was paid. I called Capital One ... .and they won't remove the interest charge
Consumer complaint received 2023-03-24
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: 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 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

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. Capitalone Spark Business XXXX, XXXX XXXX has violated my rights. 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( Chapter XXXX, Chapter XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file. 

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report. 

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

A company called Pro-Collect reached out to me by way of an account manager who identified himself as " XXXX XXXX '' and he stated that he received my information from a company called XXXX. XXXX XXXX stated that I owed money for a bond that i acquired or signed up for to pay for something at XXXX XXXX. I informed him that I did not owe any funds for a deposit or any damages because I had my apartment professionally cleaned and inspected prior to my move out and return of the keys and fob. Also, I informed him that I never took out any type of bond or loan associated with my apartment. The gentleman stated that if i didn't plan to pay them, he would put it on my credit on the first of next year and he would write it down as a refusal to pay. I informed him that It is not a refusal to pay because it is literally not my debt. I asked for identifying information and ended the call. When i got the apartment initially, my roommate was XXXX XXXX XXXX and he was the guarantor on the apartment and he may have done something with a bond, but I don't know anything about it and can 100 % confirm that I have never taken out or signed for a bond of any kind. I'm new to Texas so I don't even understand what this bond they're speaking of, even means.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I send XXXX $ on XXXX XX/XX/2023 by western union and it was promised me that the receiver will receive the amount on the same day that is on XXXX XXXX XXXXXX/XX/2023 but it is received still and today the date is XXXX XXXX XXXXXX/XX/2023 so I talk to the customer care XXXX to 5 times they are just telling me we are working on it nothing else no other solution
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

XX/XX/XXXX  a deposit of XXXX a week later attempting to pay bills I noticed it had cleared called.in to assured it would take 2-3 day, i found that somewhat odd but shock i was worried i figure put into saving an earn interest, so busy I hadn't went on Vacation returned XXXX was when told of suspect ion of Faud my account was frozen I was upset of course, then i ask question everyone got no answer, There was no fraud excessive overdraft nothing, I was told the Banks just didn't want to bank with me finally I received cashiers check in this month. I want answers .and make sure this bank doesnt smear my name. 
Thank you XXXX XXXX
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2023-08-25
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. (DE)

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not authorize XXXX  services or any other reporting agencies or companys to share my personal information. 
I have asked XXXX TransUnion XXXX XXXX services to remove an delete inquiries and some other reports that I did NOT authorize to be removed from there reports at my request and they have not done so
Consumer complaint received 2023-10-28
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)

XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, Transunion and XXXX is showing different history on XX/XX/2022.
Consumer complaint received 2023-08-04
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. (GA)

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 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 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the Fair XXXX model is flawed because it does not take into account situation.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on last XX/XX/2023 to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I check my scores twice a day. Ive notice that my XXXX score was do to rises but it didnt not Ive also notice that from the FNBO complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2023-11-18
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX XXXX XXXX Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-07-08
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. (WI)

This is my fourth endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXX/XX/year>