davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2018 I registered access to a " XXXX '' account through my USAA Checking Account. I was attempting to buy football tickets to the 2018 XXXX XXXX that night, and the seller ( named XXXX XXXX ) told me to use this as a secure payment method. Since it was through USAA, I felt safe that this was a reliable method of payment that would be backed by the company. 

Once I sent the {$1000.00} through XXXX, I realized this was a scam and the individual was not going to send me the tickets. I immediately called USAA and asked them to stop the transfer, but they said it was " pending '' and that I would have to call again on Monday, XX/XX/XXXX to file a dispute. I again requested them to cancel it since it was still pending, which meant it hadn't been received by the scammer and providing me some hope that there was still time to recover the {$1000.00}. However USAA was adamant I would have to call back on Monday. 

I called back on XX/XX/2018 to file a dispute, as I had paid for a service or product that was never provided to me. I received an email today that stated " Based on the XXXX Terms of Service agreement, the sender is responsible for resolving any dispute with the recipient regarding payment for goods, or services '', and they closed my dispute without offering me any resolution.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Claim # XXXX Capital One stated that I needed to provide a letter from a third party stating that the vending machine I. purchased from the merchant was unrepairable. I have provided this document as requested. I also emailed it to Capital One, but I have not received a response and am now unable to get a representative on the phone in the dispute department.
Consumer complaint received 2024-01-04
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. (LA)

I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to Equifax, XXXX, and XXXX, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX ( Credit Card and Auto Loan ) and my XXXX XXXXXXXX XXXX XXXX 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.
Consumer complaint received 2024-01-04
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. (GA)

A charge off is a consider a certificate of indebtness which means it is income and needs to be removed off my consumer report. XXXX auto loan is showing as a charge off on my consumer report and is effecting my business and livelihood to take care of my family. Also another company showing on my report as a charge off is a company stated as XXXX XXXX XXXX for XXXX $ and the other charge off is XXXX for XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute unauthorized entries on my credit report that I believe are the result of identity theft. I have not authorized or opened the accounts listed below, and I request their immediate removal to ensure the accuracy of my credit information. 
Please find the specific items that need to be addressed : XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} [ ] I have reported this identity theft to the Federal Trade Commission ( FTC ) and am including copies of the FTC Identity Theft Affidavit along with this letter as evidence supporting my claim. Based on this documentation and the rights afforded to me under the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent entries be deleted from my credit report as promptly as possible. 
Thank you for your attention to this matter. I look forward to your swift response to confirm the removal of these items. 


Thank you for your assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-11-08
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)

Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX  file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXX XXXX XXXX  XXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Consumer complaint received 2023-04-27
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit reporting act JPMCB Auto XXXX has 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 an account without my 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 my purpose.
Consumer complaint received 2024-04-22
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. (CA)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-25
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. (NY)

My name is 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 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (MO)

Hello, I'm writing to you for help concerning my venmo account. My uncle sent me XXXX dollars to help me with the purchase of a vehicle. I tried to transfer the money to my debit card and venmo then told me that I had violated the user agreement same and suspended/froze my account. I can't take your demo to find out what I had done that violated the user agreement to be given no answer and then told that my account was permanently deactivated and that I could no longer use Venmo. On or about XX/XX/2023 I sent an email to the venmo support team because contacting them are directly you can not talk to anyone at all about your account it is a whole separate team that deals with it and you can not speak to them on the phone you have to reach them through email.. I emailed them an email asking them what it was that I had done to violate your policy with no answer being given I just received an email back stating that they could hold my funds for up to 180 days for lost prevention reasons which is complete crap.. I do believe that I am the only one who is missing out here and who has lost anything. They have caused me to not be able to get my vehicle therefore I have missed out on so much money from work that I'm really not sure how I'm surviving except for with the help from friends and family. Since then I have XXXX emails sent between myself and Venmo 's " team '' me asking them to please just let me transfer the funds to a different card and I would close my own account they didn't have to because I don't want to be a part of it any longer. Today XX/XX/2023 they sent me back an email stating that they would consider the case closed and they would not respond to me any longer that they would send me an email to my emil aaddress if my funds were ever available to transfer in the future.. this is not at all what a business should do to their customers especially a business with a huge name like Venmo. I do not recommend Venmo to anyone and I would like this to be taken care of immediately. I want my funds off of the account and I will be extremely cautious about any online card or bank or anyone who has control over my money. I am so unhappy about this. It is completely ridiculous and not professional whatsoever in any way, they should not be allowed to do this to their customers.
Consumer complaint received 2023-04-18
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. (FL)

This is my XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX **** Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

Hi I had a refund on XX/XX/XXXX from the IRS go to my chime banking account. I opened the account because I didnt have a bank account at the time and I heard with Chime bank you could get your refund faster,, however after receiving the refund Chime closed the account on XX/XX/XXXX. I contacted customer service sent them all documents they required to reopen the account, once doing that they still refused to open the account. I made one transaction on XX/XX/XXXX from the account and sent my money cash via person to person transfer to a family member. It is nowXX/XX/XXXX and I have yet to receive my money from them, they keep lying saying they mailed the check. I was told today the check has not been issued and keep getting the runaround, this bank has stole XXXX from me and keep transferring me to different departments. I was told 2 weeks ago the check was mailed and it will arrive in 3-5 business days, please help me retrieve my funds.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

To my surprise, I found that I have been charged {$20.00} per month since XX/XX/2018 for an Experian account that I was entirely unaware of. I was shocked to learn about this situation as I have never knowingly signed up for any Experian services. 

For my credit monitoring needs, I have been using MyFico for quite some time, which has provided me with reliable and comprehensive credit monitoring services. I have consistently relied on MyFico to keep track of my credit score and related activities, and I have never sought nor used any services from Experian or any other credit monitoring provider. 

It appears that I have been mistakenly enrolled in an Experian account without my knowledge or consent, leading to these unauthorized charges on my credit card statement. This situation has understandably caused me great concern and frustration, especially considering the length of time these charges have been occurring without my awareness.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I purchased a van through XXXX XXXX The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the XXXX XXXX website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding inaccuracies in my credit report. Despite numerous attempts to rectify these errors, I have yet to see any updates reflecting the correct information. 

Firstly, I have consistently provided my current address as XXXX XXXX XXXX, XXXX, TX XXXX. However, it appears that this information has not been updated in your records. I reiterate that this address has always been my place of residence. 

Furthermore, I must emphasize that I do not have any employer, yet your report lists a company as such. It is imperative that this erroneous information be removed promptly. 

Upon thorough inspection of my credit report, I have identified several discrepancies that require immediate attention : My full name is XXXX XXXX XXXX, and I request that this be the only name listed on my report. Please remove any other names, including misspellings, as they are inaccurate. 

My date of birth is reported incorrectly. The correct date of birth is [ Month, Day, Year ] : XX/XX/1993. 

In addition, my current address remains incorrectly listed. It should be updated to reflect XXXX XXXX XXXX XXXX, TX XXXX. Any other addresses listed are undeliverable, and I have no affiliation with them. 

I have diligently submitted disputes regarding these errors, yet they persist. It is imperative that these inaccuracies are rectified to ensure the integrity of my credit report. 

I kindly request that you FIX these matters promptly and provide confirmation once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION (CA)

I asked Alliant Credit Union in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/2023 removed. Thank you.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records.

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter.

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future.

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX. XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Balance : {$8000.00} XXXX. XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8000.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX