davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION (CA)

Bank of Hawaii failed the ID verification responsibilities under 12 CFR Part 222 Subpart J - known as Reg V. 

A fraudulent account was set up in the Bank of Hawaii using my personal information and a suspicious transfer was deposited in my account with XXXX XXXX XXXXXXXX for {$0.00}. I alerted Bank of Hawaii of this fraudulent transaction and fraudulent account by calling their fraud department. I was told they would freeze the account and conduct an investigation on XX/XX/23. They told me that the account could not be closed until an investigation was completed. 

The next day, XX/XX/23, {$4700.00} was debited from my XXXX XXXX XXXX  account and transferred to the Bank of Hawaii. Bank of Hawaii failed in their duties to verify the identity of the account holder requesting to open an account with their bank, failed to prevent theft when warned, and failed to close a fraudulent account when asked. 

The account balance remains outstanding, XXXX XXXX XXXXXXXX and Bank of Hawaii have failed to make me whole in this instance of fraud.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CT)

XX/XX/XXXX I transferred my cell phone services from XXXX to XXXX XXXX. To do so there had to be existing debt owed on current service of which I had none. 

Subsequently I have received numerous collection notices appear on my credit report and of which all were resolved and withdrawn, The latest being as early as XXXX of which it was withdrawn. 

Now, on XX/XX/XXXX I received a new collection notice from a new agency called JEFFERSON CAPITAL, LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone number XXXX. Debt description : XXXX. ACCOUNT # : : XXXX ; JCS REFERENCE # : XXXX AND AMOUNT OF DEBT : XXXX. 

I disputed the debt through the company on or about XX/XX/XXXX and received a response back mail dated XX/XX/XXXX that I stated more information was need and I responded by phone and was told that I needed to obtained documents from XXXX. In addition to the correspondence of XX/XX/XXXX then received another correspondence dated XX/XX/XXXX that stated that I had 30 days to prove the debt was not mine. 

I went to the XXXX Corporate store and was unable to obtain any records to validate my dispute, The store manager then contacted the XXXX management and I we were unable to obtained any records of existing debt.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I lost my XXXX credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXXXXXX XXXX XXXXXXXX. I am unsure if he filed taxes in those years also.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Collection Account in question does not belong to me. I've repeatedly requested the original contract and any signed documents linking me to this account from the reporting agency, XXXX XXXX XXXX to no avail. 

I've never held a XXXX account and have asked for any contract associating me with it, again with no success. Their claim of {$610.00} is baseless as it's not my account but rather a fraudulent one. 

The XXXX account has overstayed its welcome on my credit file, surpassing the permissible duration according to consumer laws, and should have been removed by now. 

Regarding the XXXXXXXX XXXX account, I've disputed its authenticity and requested XXXX to provide any documentation linking me to it, but nothing has been forthcoming. 

Furthermore, accounts settled and paid should not linger on my credit file beyond the stipulated timeframe set by consumer laws, including the XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I initiated 2 claims with Bank Of America on XX/XX/XXXX  for fraudulent debit card charges on my checking account. One was in the amount of {$980.00} and the other was for {$640.00}. The date range of the fraudulent transactions went back as far as 11 months prior to XX/XX/, but many were more recent. These fraudulent charges were made against my checking account debit card without my knowledge or consent. My debit was in my possession at all times. 

I filed the claims with the help of an associate in the BOA Debit Card Fraud department on XX/XX/23. The debit card charges were initially put in a " Temporary Credit Adjustment '' status and then later denied because they were " outside the 12 month window ''. If that were true ( and it is not ), why would the BOA associate have helped me file it? Plus, if BOA took too long to review the issues, why should I be penalized for that? That " blanket '' explanation did not apply to the dozens of fraudulent charges that occurred over several months. Additionally, why would BOA provide a temporary credit adjustment if they thought it was outside of the 12 month window? This does not make sense on many levels. I appealed these decisions to BOA and my appeals on both claims were again denied. 

This result was very disappointing as I have filed other claims for much smaller amounts and they were paid. That seems inconsistent. 

I acted in good faith and I expect Bank of America to do the same. Please review and advise. Thank you.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-28
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: TRUIST FINANCIAL CORPORATION (FL)

Hard inquiry has been placed on my credit report on XX/XX/2023 by Lightstream without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-04-15
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. (NJ)

I recently notified Transunion that I am a victim of identity theft. the fraudulent /error accounts XXXX and XXXX XXXX. are showing on my credit report, but they are not mine, I didn't pay any settlement and I did not open either of the accounts. Transunion is also listing addresses on my credit report that I have never lived at before
Consumer complaint received 2023-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood has a interest product for my cash that's in the account. I deposited and held over XXXX dollars available for them to provide the 4.6 % interest which should have been earned over the past two months. They made me sign up for Robinhood gold for {$5.00} per month as well which I did. I spoke to someone on Support who helped with this and my money was earning interest and then all of a sudden went away. 

They owe me XXXX x 4.65 % for 2x months. That's going to be around {$500.00} dollars they owe me.
Consumer complaint received 2023-12-13
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: JPMORGAN CHASE & CO. (VA)

Requesting honor of chargebacks. I was misled and not told about " provisional '' credits when I was credited for successfully disputed charges. I was told at the time of reporting that I was made whole of fraudulent charges and formally and finally given the credits. Retroactively 2 months later I was called by a " case manager '' and told " those were provisional credits '' and now those charges back on my account. I was never told they were " provisional '', rather, I was told by the rep that my case was closed and resolved. Even if these were originally supposed to be " provisional credits '', I was never informed and I lived my life under the finality of what I was told -- that the credits were formally given and my case was resolved. I was either negligently misrepresented at the time of receiving the credits OR negligently misrepresented upon receiving the charges back on my account. 

Charges spanned from XX/XX/XXXX to XX/XX/XXXX for a merchant named XXXX XXXX, whom I purchased many digital passes for live events that never came to fruition, and then they went backrupt and they deprecated their platform as per an email XX/XX/XXXX, attached titled " XXXX - An update from XXXX ''. These charges, plus the interest accrued, are rightfully shown in my attached statement as credits titled " XXXX XXXX. View the charges now retroactively added back in the attached doc, XXXX XXXX XXXX XXXX XXXX 

I've tried every avenue available through the relevant departments. The fraud department points to the disputes department as responsible, and the disputes department points to the fraud departmenr as responsible. The disputes department said there was no further action I could take except to send a secure message through Chase online portal addressed to Chase Executive Offices. I did that and haven't heard back. Also, in order to further escalate I was told by the disputes department that a manager would call me within 24-48hr. This was two weeks ago and never heard back so yesterday I called again to followup and they apologized and said someone would call me withint 24-48hr again, I don't have confidence there, and nor did the rep on any resolution from whatever that call would be.
Consumer complaint received 2023-12-12
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)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

on XX/XX/2024, I sent to Lexus Financial Services a letter requesting specific information ( see attached ). I never received a reply from them. I also wrote the dealership XXXX XXXXXXXX XXXX XXXXXXXX XXXX requesting specific information ( see attached ). They never replied back either.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

DIVERSIFIED ADJ SVC Reported : XXXX. XXXX, 2024 {$1500.00} I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2023-12-12
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. (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. 

Account XXXX : XXXX Account 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 2023-12-12
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)

XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 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 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (OR)

I received a phone call on XX/XX/2018 from Diversified adjustment services regarding a sprint bill from XXXX.When I told the woman over the phone that I couldn't pay it she interrupted me started cussing in a threatening manner I then hung up. She has since been calling my phone several times a day, sometimes more than once in an hour through out the day. This has been going on at least 3 times a day since and at one point she called me FIVE times in one day. This is not professional and is starting to be harassing and threatening. I called this company on XX/XX/XXXX to make a complaint and was cut off and told I needed to settle my debt before they would transfer me to the supervisor. I have my phone records if needed to prove it