davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complaint is with Bank of America in XXXX Florida. Please investigate them for AML ( anti money laundering ) and BSE ( Bank Secrecy Act ). The money I sent to open up a certificate of deposit was a scam that was run through their bank and the amount of my deposit was {$380000.00}. I was told by my local police that millions of dollars had been deposited in that account before they moved on. The FDIC lady I talked to said that is what she suggested that I do. She also suggested that you investigate XXXX for providing the advertisement for the fraudulent bank. I know I already sent in complaint # XXXX that describes what happened. Thank you for all you do.
Consumer complaint received 2023-08-01
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. (PA)

I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. They continues to report a " XXXX XXXX '' account despite it clearly being fraudulent, as well as a XXXXXXXX XXXX  account. These items should be blocked if the company will not do so itself. There is CLEAR OVERWHELMING evidence that I was a victim of widespread fraud. 

I am also attaching several letters addressing other fraudulent accounts where XXXX XXXXXXXX  and XXXX have noted the items are fraud and I should not be held responsible for them. They include XXXX, XXXX, XXXX and XXXX XXXX accounts. 

There are also multiple POSITIVE items missing from my report. I have contacted XXXX XXXX as they have two cards and only one is being reported. They are sending BOTH cards to all three agencies. 

I have also called XXXX and they are reporting to all three agencies but all are not reporting that account. 

These would help my scores as I have never missed payemts, etc. 

I have attached those accounts as well.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One credit card, I recieved a phone call a few days later to verify my identity. After passing the identity test or whatever I was told that I would be mailed out a card. 

Now I am being told that I need to verify my identity again before the card will be sent out. I tried using the website to upload the documents, but the website is not working. It keeps giving me an error message ( picture attached )
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

Chase bank has been holding a 3rd party check deposited via mobil app since XXXX and it's now XXXX. As soon as they put the hold on the check they also closed the account. We have done what's asked of us and FAR MORE but continue getting caught in a loop the just doesn't lead to any sort of resolution. First we are told the check need to be verified soon as that gets done then it's said they think the XXXX  check is fake. And after countless days through that process then the money will be in my account in XXXX business days we wait and go through the loop all over again and it has been an absolute nightmare. For check verification the 3 rd part person has bought 4 different phones and went to a local branch with id social security card and birth certificate none of which was enough to " verify '' also XXXX XXXX has asked them to release the check back to them and chase also ignores their requests as well. We have also been told the funds will be put into lost funds and it will take us 2 to 3 years to be able to access it. The XXXX dollar check has cost us more in time off just trying to resolve the situation because they will not let me add my wife to the account so just a phone call requires time off work because when I call i have to verify myself and give permission to speak with my wife a minimum of 4 times PER CALL.. The 3rd party has missed numerous days as well calling the bank and going into our local branch. When u get as high as possible with someone in chase fraud dept I ultimately just get left on hold sometimes for hours and never get to speak to anyone higher. This has been the absolute worst experience of my life time and I will never again bank with chase
Consumer complaint received 2023-09-15
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-05-16
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. (MI)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX Transition Address ( if applicable ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 5. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX
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: CITIBANK, N.A. (GA)

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


XXXXXXXX XXXX XXXX states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Consumer complaint received 2023-09-15
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (WA)

Apple Card is NOT investigating the disputed transaction on my card dated XX/XX/2023 for the amount {$980.00}, This transaction has been resolved with XXXX merchant and they have already cancelled this on my XXXX account, i have shared the proof on the same also sent the document to Apple, i have raised XXXX disputs on this amount so XXXX Apple did provisional adjustments to the disputed amount but they are not resolving the issue.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a 3rd party that a line of credit was taken out on our account. We would have to pay XXXX and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXXXXXX XXXX it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2023-05-29
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: EQUIFAX, 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-08-28
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. (LA)

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 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TN)

As many people are hitting on hard times, so am I. I was reaching the point of not being able to make payments, so before I missed any payments I applied for hardshihp status through a Debt Restructering Program and I was approved. One of my debtos was One Main Financial - I removed my Auto Pay, talked to my local branch rep, XXXX, and advised that I had entered the hardship program. I cancelled my autopay in XXXX. I talked with XXXX at XXXX XXXX in XXXX. I explained to her that I had cancelled my Auto Draft, provide my Case # with XXXX XXXX, who is handling my Debt Settlement Case. I advided XXXX that any future payments and communications would be through XXXX XXXX - XXXX took the case number and contact info and did contact GRT Financial to confirm. I had removed my Auto Draft Information from the One Main Financial Portal and talked directly with my representative at One Main Financial. On XX/XX/XXXX, XXXX Main took a payment from my account in the amount of {$300.00}, which caused an overdraft of over {$100.00} and cost me an Overdraft Fee of {$30.00} - I immediately contacted One Main Financial, my branch had already turned my file over to the Main Office that handles these Debt Settlement Cases. I contacted that office at XXXX - and talked with a supervisor there who denied my refund request, using some policy loophole they seem to have in place, saying I did not specifically state to One Main Financial that I wanted my Auto Pay canceled - She also stated they work with XXXX XXXX EVERYDAY ALL DAY - so that tells me she knows and fully understands the process. She claimed XXXX at the Branch did not note that I made that Verbal Request - My argument to her was : I did make that understood, very clearly, that I had cancelled the auto draft, and that all future payments and communications would need to be communicated through XXXX XXXX. Apparently, according to this supervisor, I had to state directly to XXXX - " I want YOU to cancel my auto draft. '' They took unauthorized money from my account, and they claim its my fault because my communication with them did not meet the criteria of their written policy. The fact she acknowledges they work with XXXX XXXX also tells me she knows the legality of that process, and what One Main Financial did by using some verbal loophole is predatory and to my understanding, against the law. I am requesting that One Main Financial reimburse me {$330.00} immediately. Thank you!
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (DE)

After reviewing my consumer report, I noticed that Credence Resource Management has placed a collection account on my consumer report. I have not received a call or correspondence from your company before or after the collection account appeared on all three major credit agency reports ( XXXX, XXXX, and XXXX ). Therefore, I wasn't allowed the opportunity to dispute prior to Credence Resource Systems violating my consumer rights, grossly misrepresenting my debt, and defaming my character.
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc. (FL)

I have received numerous phone calls from XXXX ( XXXX XXXX XXXX ) saying I owe past due rent of {$5600.00} from a rental I live in XXXX. They called me on XX/XX/XXXX saying I am being sued for this money and if I do not pay then my paychecks will be garnished. They called me again later that day on XX/XX/XXXX. They then called me again on XX/XX/XXXX saying the same thing again, if I do not pay they will have my paycheck garnished. XXXX called me again on XX/XX/XXXX twice to my cell phone, and called me at my job threatening me saying they will have my pay garnished if I do not pay and the gentleman on the phone was getting very aggressive. I told them they can not do that and he said want to make a bet and started laughing on the phone. I told them to stop contacting me about this and I feel as though Im being harassed and this company is being very abusive.
Consumer complaint received 2024-05-16
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. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-08-01
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.