davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Investigative Concepts, Inc. (ID)

The criminal investigation is totally wrong.What you see is only partial and the dates listed for the offense is wrong.In fact older than 7 years, which should be invisible to employers.   Information to be corrected : 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date  :  XX/XX/XXXX   Release  Date  :  XX/XX/XXXX   XXXX  Date :   XX/XX/XXXX   2 )   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date :  XX/XX/XXXX  Release Date :  XX/XX/XXXX  XXXX  Date :   XX/XX/XXXX  W hat the   XXXX   were,  1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) (   Washington State    )    XXXX     XX/XX/XXXX     XXXX   Date :   XX/XX/XXXX  rel ease dat e: XX/XX/XXXX  2  )   XXXX   XXXX     XXXX    XXXX   (    XXXX   XXXX   XXXX   ) (  Washington State  )   XXXX     XX/XX/XXXX    XXXX  Date: XX/XX/XXXX  release date: XX/XX/XXXX
Consumer complaint received 2024-04-02
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

thank you for admitting that XXXX  of my XXXX  attempts to pay off my total balance of {$100.00}. 

If my balance on XX/XX/XXXX was {$100.00}. 

then on XX/XX/XXXX. My balance was still {$100.00}. 

On XXXX XXXX balance was still {$100.00}. 

At XXXX XXXX XXXX XXXXXXXX in your response you confirmed that this transaction of {$100.00}. was succesfully paid. 

my balance of {$100.00} is subtracted by my payment of {$100.00}. At XXXX XXXX. on XXXX XXXX.currently makes my total balance at XXXX XXXX XXXX XXXX XX/XX/XXXX equal what amount? 

would you like to grab your calculator? 

accounting is apart of your banks fiduciary duties! 

at XX/XX/XXXX at XXXX XXXX. my balance would be {$0.00}. 

ARE YOYU WITH ME SO FAR? .DOES THIS MAKE SENSE?

AT THIS POINT AND TIME YOU SHOULD BE ABLE TO CALCULATE A XXXX BALANCE. 

on XX/XX/XXXX. I make a transaction to XXXX XXXX in the amount of {$170.00} which i will attach with this. this doesn't process with XXXX XXXX  till following day. but balance show up on my statement I imagine same day XXXX XXXX. 

On XXXX XXXX what is my balance? anything over {$170.00} is what you owe me! 

can you show me where I spent any more money ( or have made any other transaction other than that {$170.00} with XXXX XXXX. )? 

No so how did I manage to get an over draft fee? 

how did i get a balance that is more than {$170.00}? 

especially since you confirmed that i had a balance of {$0.00}. As of XXXX XXXX. on XX/XX/XXXX. 


thank you for your time. 
XXXX XXXX p.s. XXXX really needs to stop letting Customer Service act as bankers and accountants. It is trully sad how XXXX you XXXX XXXXXXXX are over there at capital one and between NEGLIGENCE FAILURE IN ACCOUNTING SHOULD HAVE YOUR BANK FINED AND PUNISHED. FOR YOUY ARE UN EQUIPED TO MEET YOUR FIDUCIARY DUTIES
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Hello, I'm having a problem with one of my banks, called BECU. Someone managed to have access to my data and accessed my account, they deposited checks in my name but with another living address, then they took out the money they deposited plus mine, now I have an overdraft in my account and those of the bank do not manage to do anything. And they say it's my fault. 

In addition to depositing checks that were not mine, they also made different transfers through XXXX, and the only thing the bank says is that it was me and they rejected my claim.
Consumer complaint received 2024-04-02
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. (MI)

On XXXX XXXX, 2024 and XXXX. XXXX, 2024 XXXX XXXX made a fraudulent consumer report using my personal information without my consent, to the consumer reporting agencies ( Bureaus ).
Consumer complaint received 2024-01-12
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 (OH)

These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  account number beginning with XXXX, also Capital One account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In the past year I have submitted 3 disputes to Capital One. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and capital one denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
Consumer complaint received 2024-01-11
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: Advanced Resolution Services Inc. (FL)

I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) for their failure to address and resolve a dispute I raised concerning inaccurate information on my ARS consumer file, specifically a public record related to bankruptcy. 

On XX/XX/XXXX, I requested a copy of my ARS consumer report, and upon reviewing it, I discovered inaccuracies in the public record section. On XX/XX/XXXX, I mailed a dispute to ARS challenging the accuracy of the following information : " Court : U.S. Bankruptcy Court Bankruptcy Filing Number : XXXX Reason : I dispute the accuracy of the public record listed as 'XXXX XXXX XXXX Date : XXXX ' on my credit report. I do not recognize this record in the reported manner, and I have confirmed with XXXX XXXX XXXX, the reported furnisher, that they supply information to XXXX, not ARS. I request the permanent removal of this disputed public record from my credit report. 
I included a copy of how the item appears on my ARS report, along with a response from XXXX confirming they do not provide information to ARS. '' Despite mailing my dispute on XX/XX/XXXX, I have not received any response from ARS regarding the investigation results. Subsequently, I sent a follow-up letter to ARS on XX/XX/XXXX, requesting an updated credit report. Unfortunately, I have not received any response to date. 

Enclosed, please find copies of my dispute letter mailed to ARS on XX/XX/XXXX, the follow-up letter mailed on XX/XX/XXXX, a copy of how this bankruptcy appeared on my ARS report XXXX and the response from XXXX dated XX/XX/XXXX.
Consumer complaint received 2024-01-11
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)

for Inquiries I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.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 AND INQUIRIES deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (MI)

After looking over my credit report, I noticed that there are XXXX late payments reporting for XXXX accounts that I was never late for with XXXX XXXX. Account number XXXX and XXXX. Can you please investigate and provide the proof of the late payments? If there is no supporting evidence of late payments, can you please have these payments update as I was never late? Thank you
Consumer complaint received 2024-01-11
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 (LA)

I recently reviewed my credit report where I discovered that ( Capital One ) reported what was notated as a ( LATE PAYMENT ) for a credit card account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions.
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-11
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)

This serves as a follow-up to my previous complaint dated XXXX I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, Equifax, and XXXX. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Violation of Arbitration agreement 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805 Sharing my personal information and accounting
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. Pursuant to 611 of the Fair Credit Reporting Act, I kindly request that you promptly investigate and rectify any inaccuracies found within this information.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

The late payment accounts in question are inaccurately reflecting delinquency beyond the dates when the payments were made, leading to an unfair and misleading portrayal of my credit history. I demand that your bureau promptly investigates and updates its reporting to accurately reflect the payments made and the resolution of the delinquent status. Despite my previous disputes and attempts to rectify this issue, there has been no substantial update, and the inaccurate information continues to adversely affect my credit profile. 
XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I insist that your investigation be expedited, and the necessary corrections be made to my credit report without further delay. The inaccurate reporting is causing unwarranted stress and potential harm to my financial standing. I expect a thorough and efficient examination of my dispute, followed by the immediate updating of the credit report to accurately reflect my payment history.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I recently sent in report expressing to the XXXX  major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself. 

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

1. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX These accounts should be removed and blocked from my consumer report immediately.
Consumer complaint received 2023-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (OH)

XX/XX/2023 {$57.00} XX/XX/2023 {$3400.00} XX/XX/2023 {$140.00} XXXX XXXX {$590.00} XX/XX/2023 {$340000.00} XX/XX/2023 {$100000.00} XX/XX/2023 {$290000.00} XX/XX/2023 {$1.00} XX/XX/2023 {$99000.00} These deposits are being held by XXXX XXXX XXXX for an indefinite amount if time, and it may cause my business to close soon if our funds are not released.