davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (FL)

I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

XXXX, XXXX & Equifax ( XXXX XXXXXXXX XXXX ) Balance {$6300.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX ) {$8800.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$42000.00} XX/XX/XXXX, ( XXXX XXXX XXXXXXXX XXXX  ) {$150000.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXXXXXX XXXX {$530.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Finance Companies XX/XX/XXXX, ( XXXX XXXXXXXX ) Automobile Dealers XX/XX/XXXX,
Consumer complaint received 2020-06-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-09-09
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 (CA)

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX, CapitalOne, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. 150 day notices need account removed ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I received an ACH deposit from my taxes. Account access was immediately blocked and put into closure account has still not been completely closed 30 days later, not my Checking or Savings account! I want to end all relations with this banking institution and receive my funds in full! I have contacted the XXXX  and filed several complaints. This is causing me many financial hardships and unnecessary havoc. The funds are mine, in my name, direct deposited into my account ; from a legitimate institution, I do not understand why I am still being blocked from accessing my funds if they claim my account is already in closure.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

For the past 2 weeks I called Costco Citi business credit card 10 times. Each call was 40minutes long. The fraud department constantly calls if someone opened a new card under my business name. I selected yes through text messages and phone calls. Each time we are making purchases at Costco hence Costco Citi credit card. It declines even with monies within our limit. After my frustration and bad customer service I requested to speak with the supervisor since I called so many time that my cell phone to send a clarifying text message was over used. I needed to go to my place of business to answer my the phone. Otherwise they would have to send a letter with directions on what to do next. This would disrupt my business as I need to make purchase for my business. Every call I made with with assistance with no prevail. Each time the agent would have to patch me to a supervisor and he or she would then tell me i would have no more problems. Today XX/XX/2023 they called my store, called my cell phone and texted messaged me twice today. I dont understand why this keeps happening. I wasn't rude to any of agents. I did express my frustration and confirmed if anything i could do, but at this point I do feel this was intentional. All I wanted was to have a good service with zero hick ups on my purchase. I spend about $ XXXX a week! On business purchases!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-20
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NC)

I had purchased a couch and financed it with 0 % interest if paid in full in 12 months in early XXXX. I received a call from a credit card company a week later that stated this was the credit line that had to be opened in order to pay off the financed couch ( their XXXX was not the best and may have misunderstood my request ), so I opened the credit line. 

I come to find out about a week later this was not the credit bureau that was used to finance the couch when I received another credit card in the mail, but just another credit company with an XXXX XXXX store credit card. Now I have two credit cards that were just recently opened : one that is used to finance the couch and one that misled me and caused me to open up a credit card that I didn't want, and never will use.

This has caused a ding to my credit score that I was not wanting just as I am looking to purchase my first home in the coming months. Whether they intentionally misled me or not, I believe someone with limited capability of explaining the credit situation should not have the authority to authorize an opening of a credit line in someone's name. 

I filed a complaint with multiple credit agencies to try and get this expunged, but nothing was done. It updated the credit report, but they have not deleted this credit line. I will be seeking assistance from Synchrony Bank ( the credit company that opened the line of credit ), but assume they will not do anything.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (SC)

This is my 12th endeavor to tell you that 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I tried to buy a XXXX XXXX online in XXXX. Repeatedly after being told a car was available, I applied for credit with Mazda 's financial arm, and then shortly after, the car was no longer available. This happened multiple times. I even waited for a sales rep to explicitly tell me when to come in. Then I went in, but they had no one on hand to actually sell me the car.

Yes, I filled in the applications, but with the express understanding that the car ( s ) were available. They induced me to run two credit checks in the same week and I came away with nothing for it because they weren't available for sale. It's hurt my credit score and I want these inquiries removed from my credit reports.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CO)

Subject : Formal Report Against KeyBank for Unauthorized Charges and Overdraft Issues Description of the Incident : Unauthorized WordPress Charges : Date : Over the past three years.

Description : I've been subjected to unauthorized charges related to a XXXX account. Despite monitoring, these charges continued without my consent. The account status misleadingly indicated " no payment has been added. '' XXXX 's ABU Service & Overdraft Protection : Date : Opted out in 2020.

Description : I was aware of MasterCard 's Automatic Billing Updater ( ABU ) service and its implications. To safeguard myself, I deliberately opted out of KeyBank 's Overdraft Protection. Contrary to my directive, KeyBank continued to authorize and pay overdrafts, resulting in numerous service charges.

Legal Protections & Violations : Relevance : The unauthorized WordPress charges, the implications of MasterCard 's ABU service, and KeyBank 's disregard for my overdraft preferences appear to violate the Colorado Consumer Protection Act ( CCPA ). This Act prohibits deceptive practices, which in this scenario, pertains to the unauthorized charges and KeyBank 's failure to respect my overdraft choices.

Potential NACHA Violations : Description : The continuous unauthorized electronic transactions might breach NACHA rules, which could lead to substantial fines. I have provided digital evidence of these unauthorized transactions.

Website Glitch : Description : I noticed an inconsistency on KeyBank 's dashboard. When accessing my business banking details, it displays information related to a personal account, raising concerns about the platform 's reliability.

Attempts to Resolve : Description : I have reached out to KeyBank on five separate occasions to address and resolve these issues. Despite my persistent efforts, KeyBank has failed to provide adequate assistance or a satisfactory resolution.

Request for Action : I urge KeyBank to initiate a comprehensive investigation into these matters. I believe I'm entitled to a reversal of the service charges incurred due to the unauthorized XXXX transactions and the bank 's failure to adhere to my overdraft preferences. 

Impact : This situation has profoundly affected my business operations and personal finances. I anticipate a prompt resolution and appreciate your cooperation. 

Thank you, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (NV)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number: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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number: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 2023-10-24
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

After recently noticing an account in Collections on my credit report from Convergent Outsourcing, I contacted them to obtain more information on XX/XX/XXXX. I informed that I was disputing the account as I did not have any information and requested information to verify the debt. After not receiving any correspondence, I contacted them again on XX/XX/XXXX to confirm they had the correct mailing address and email address and requested the info also be sent via email to expedite. On XX/XX/XXXX, I contacted the company twice, spoke to a representative named " XXXX '', verified my name and full SSN. I informed her of the reason for my call. However, she declined to assist me or transfer me to the appropriate department because I was unable to provide the amount due on the account and disconnected the line both times. During that interaction, I offered to verify me by other information. Later in the day, I contacted Convergent again, and spoke with a representative and requested for this account to be deleted and from my credit report because they failed to provide any information within 30 days per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The representative eventually transferred me to a supervisor named " XXXX '', I again explained the details in which he informed me the account would not be deleted until the account was paid in full. He also stated if I wanted more info I could call the original creditor. I explained to him, I am contacting them directly because they are the company who is reporting to the credit bureau and they are required to provide the requested information. I inquired about any validation information that was sent to me by them, in which he informed me a letter was sent to an address that I was not associated with and emailed to me ( confirming my correct email ). I advised that I am not associated with that address and I also provided my correct address and email when I initially spoke with them in XXXX. Why was it sent there. Additionally, he provided dates in which I searched all my email " folders '' and no email was received by Convergent.