davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

In early XXXX of XXXX, I discovered that I am a victim of Identity Thief. On XX/XX/XXXX, I contacted Truist bank to report a fraudulent deposit of {$18000.00} was made to an account holder. The representative told me to email all the information I have to XXXX which I did on XX/XX/XXXX. Once the email was sent, I received an automated reply. On XX/XX/XXXX  I called Truist bank to confirm if the email was received and what actions have been taken if any. The representative informed me that no actions have been taken on the account, but it will be frozen and to email XXXX for any follow-up questions I have. On XX/XX/XXXX  I sent an email asking for a follow up to my claim and what actions have been taken. I also provided a cell number so they can contact me directly. I received another automated reply confirming my email has been received and an analyst will take the appropriate action. To date I have not received any further communication from Truist Bank.
Consumer complaint received 2024-01-08
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)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-03-25
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: Experian Information Solutions Inc. (AZ)

CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2023 autopayment was on my account I turned it on & I was unaware that when my mother made a payment for me prior capital one associate added her banking info to my account, the automatic payment tried to take it from her account and the account had been closed and the credit card company tried to take the payment a few more times. I thought it was coming from my new business bank account but my balance never changed. So I called on the XXXX XXXX after the payment was returned and I kept trying to make a payment and nothing worked so XX/XX/XXXX I called with my mother to make a payment with her card and we made a XXXX dollar payment and the person on the phone said they can't add her payment option for future use because they have to use a 3rd Party application to process the payment so the other person 's information is secure. The lady from capital one removed all of the old payment accounts and noticed my mother 's banking information was added to my account. We were unaware of this and I asked is everything OK because on the app it said my accounts were closed. She said everything was good. I attempted to use my card and it was declined. I got paid yesterday XX/XX/XXXX and attempted to make a payment today and I found out they closed my accounts. They transferred me to the fraud department and I explained the situation to the managers of the fraud department and they were extremely unforgiving and continued to tell me there were no ways to rectify the situation and that my accounts will remain closed and that I needed to pay them off. I was mocked and belittled like they were superior to me and didn't care to hear my explanations of what was going on. I've never missed a payment. I had XXXX return payment in XXXX and I fixed that immediately. From XX/XX/XXXX to today I've been working on fixing the payment issue I was having and when I called today they stated the person I made the XXXX dollar payment with over the phone did not remove the old payment accounts from my other card with them and they considered it fraud and continued to tell me they don't know who my mother is. The phone calls were recorded and my mother verified the authorization for the XXXX dollar payment I made the last time. They told me today I have no options but pay the cards off and the accounts will remain closed. They were harsh. They made an error by adding my mother 's card to the account and I was unaware that it was her card that the autopay was set up for. The returned payment was for XXXX dollars. My purpose today was to make that payment. Also XXXX of my secured cards was XXXX dollars and they are keeping that they said. I'm at a loss of words on what exactly to do other than file this complaint. Nobody deserves to be talked down to like they did to me as all I was trying to do was fix the problem and they told me they didn't see a problem. I need help please help me.
Consumer complaint received 2023-05-05
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)

XXXX XXXX LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine
Consumer complaint received 2024-01-08
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: V and H Portfolio (TN)

XXXX XXXX was paid before the 90 days. They said I was late and they charged me which left me another balance thats not mine. 

Its also sold to a collector name Vance and Huffman LLC {$2300.00} Ive tried to have them remove this off my file
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andreu, Palma & Andreu, PL (FL)

This company is attempting to collect a debt and is using unfair practices according to The Fair Debt Collection Practices Act.According to the FDCPA 15 USC 1692c.d.e.f.I have no contact with this company, no debt or any contract with them for them to assume an alleged debt.This company has no wet signature of mine on any documentation, and can not provide any debt validation.I request debt validation from this company under 15 usc 1692g.Also request accounting information under US code 9-210.This company is using 15 usc 1692e and is threatening as an attorney to collect a debt not owed to them.
Consumer complaint received 2023-12-11
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax 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.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.
Consumer complaint received 2018-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC (LA)

On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any  debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. 
I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. 
On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. 
The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). 
I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX Capital One reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX XXXX.
Consumer complaint received 2023-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it might concern ; I was on vacation in XXXX XXXX staying at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband and myself were looking for a taxi on XXXX XXXX  from the hotel to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ride is XXXX XXXX each way. 
I looked up XXXXXXXX XXXX, however the wait time was too long, price range was between XXXX XXXX each way. 
I was approached in the hotel lobby by XXXX XXXX named XXXX XXXX, stating that he can take us to the stadium and I can use credit/debit card. He was driving XXXX XXXX XXXX XXXX XXXX XXXX 
We used XXXX XXXX XXXXXXXX from the airport to the hotel ( further distance ) and were charged {$100.00}. 
XXXX did not disclose that he will charge us {$360.00} to the stadium, we agreed on {$100.00} each way. XXXX XXXX also agreed to pick us up from the stadium at the same price. 
XXXX did not provide us with any sort of receipt, and no amount was showing on display. No signature was provided. 
I received a fraud alarm when we tried to pay after dropping off back in the hotel, The alarm was asking to approve {$250.00} authorization. 
That authorization was approved as I assumed that was the cover for each ride. 
I received an additional charge of {$720.00} from XXXX XXXX, which was not approved either. 
My husband XXXX XXXX contacted XXXX XXXX via text message trying to resolve the issue. 
XXXX stated that he provided limo service, however, no limo car was provided nor requested. 
Please see XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Website states his prices, {$750.00} charge is for all-day service which we did not request nor receive. 
XXXX overcharged us based on false demand, which is also illegal. 
Bank Of America refused to represent our case due to the inability to provide a receipt. 
However, they sent us a text message with a fraud alert at the point of authorization.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX 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 XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX.
Consumer complaint received 2023-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (DE)

I was pre-approved by a XXXX XXXX XXXX in XXXX, Delaware. I needed to replace a totaled car due to an accident. I was pre-approved through Ally Finance the last week of XX/XX/XXXX. I went to XXXX on XX/XX/XXXX. I was told to go into XXXX to sign my documents. My pre-approval loan included gap insurance. XXXX ran their own credit reports. I told them they did not have approval to run my credit again. The issue was resolved and I left with a XXXX XXXX XXXX. On XX/XX/XXXX, 16 months later, I was in a XXXX  accident. The car was totaled. XXXX XXXX at XXXX ext XXXX confirmed my loan had XXXX  insurance but could not give me the information. XXXX loan papers does not have it included. So I'm requesting the actual recording to be researched. I know 100 %, I requested XXXX  insurance because of the loss in XXXX. I need the remaining balance to be paid off. I don't know why it's not notated but the finance amount is exactly what the representative quoted me with the XXXX  insurance. Please Help!
Consumer complaint received 2023-10-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: LD Holdings Group, LLC (CA)

Closed on a VA loan XX/XX/XXXX. Have had issues with the USPS delivering my mail, and today upon obtaining my mail, is a letter of cancelled coverage from the insurance provider from a home builder, who setup a policy and used an outside title company. Title company just never used the escrow to pay the premium, and my coverage cancelled XX/XX/XXXX. I discovered this on XX/XX/XXXX. 

XXXX : XXXX XXXX ( based in XXXX, CA ) Lender : XXXX  Title Company : XXXX XXXX XXXX ( in XXXX, CA ) My Address : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-12-09
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. (PA)

I am XXXX XXXX, I am a natural person and this is me XXXX XXXX submitting this dispute. This dispute is not being submitted by a third party. 

( Equifax, XXXX, XXXX ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute Cornell.edu 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors Equifax have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these accounts. 

Creditor Account Number XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 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