davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

I have sent to XXXX  and Equifax copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to Equifax 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.
Consumer complaint received 2023-02-02
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to address a matter of great concern regarding a recent dispute involving an ATM transaction that occurred on XXXX XXXX XXXX XXXX, at approximately XXXX XXXX. 

On the mentioned date, I attempted to withdraw {$500.00} from an ATM situated on the second floor of XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, no cash was dispensed from the ATM, yet the merchant proceeded to debit my checking account with the requested {$500.00}, along with an additional {$8.00} ATM withdrawal fee. 

Subsequently, on XXXX XXXX XXXX XXXX, I promptly submitted a claim disputing the transaction to Capital One ( my bank associated with the debit card used at the ATM ), providing all relevant details and documentation ( Claim Number : XXXX ). On XX/XX/XXXX, Capital One temporarily credited my checking account with {$500.00}, plus the {$8.00} fee, amounting to a total of {$500.00}. 

Regrettably, on XX/XX/XXXX, I received an email from Capital One denying my claim, citing reasons that, upon thorough examination, I find to be inaccurate. The denial was based on the assertion that their review of ATM systems and information provided by the merchant deemed the transaction valid. However, there is evidence, including video coverage from the ATM and statements from the security team at XXXX, as the resort as cameras everywhere, and proving that the {$500.00} never exited the ATM Concerned by this discrepancy, I contacted Capital One on XX/XX/XXXX, seeking clarification on the persisting {$500.00} transaction in my checking account. During this conversation, the Capital One representative informed me that the merchant of the ATM had confirmed the success of the transactiona statement I find to be fraudulent and untrue. Despite my request to resubmit the dispute claim, the representative declined to do so. 

To my dismay, as of XX/XX/XXXX, Capital One has permanently restricted my checking account. I am deeply troubled by the implications of both the ATM merchant and Capital One potentially engaging in fraudulent activities. Therefore, I am formally demanding the immediate resolution of this matter and the return of the {$500.00} to my checking account
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

1. On XX/XX/XXXX, I willingly closed my Capital Once credit card. 
2. On XX/XX/XXXX, I called XXXX to inquire about a refund for the security deposit and estimated date on which I would be in receipt. I was informed verbally that I would be in receipt of the refund through a paper check within 7 10 business days from the date from which the refund was processed. 
3. On XX/XX/XXXX, I again called XXXX to receive an automated voicemail, based upon my credit card number. I was informed through a virtual message that I should be in should be in my receipt within 60 90 days. 
4. On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX, given the inconsistency of communications on the timeline of a refund. In that complaint, I included that any failure to have this check in my receipt by XX/XX/XXXX, I would escalate this matter at a higher level, including the Consumer Financial Protection Bureau and any federal financial regulator that can hold Capital One accountable. 
5. On XX/XX/XXXX, Capital One was in receipt of my complaint filed under the XXXX XXXX XXXX, and no further communication has been received. 
6. On XX/XX/XXXX, I was in receipt of a statement from Capital One that reflects I have a {$0.00} balance, and that I have a {$99.00} refund processed. If Capital One can address the refund has been processed, then Capital One should be accountable for issuing the refund to me.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (IN)

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX  - CHARGE OFF - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (FL)

This is my several endeavors 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, remove 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-09
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (MO)

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.

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NH)

I contacted chime Visa where I have my online checking and savings  account in order to get transaction records printed out from XXXX  to supply to my auto loan so that I could verify that my payments were not late as they were reported on my credit report. In this process I was put through to a customer service XXXX  who needed to gain remote access to my account in which I did so. I questioned him the whole way through why he had to do it this way and he gave me a very good answer and what ended up happening was the customer service XXXX  from chime Visa or at least that's who I thought I was talking to had me put my savings into my checking so he could check both accounts as he explained to me and then all of a sudden my checking account was drained down to XXXX cents and it appeared that {$300.00} went out to a third party XXXX  and recipient whom I have no knowledge of and did not authorize. Now I have had to report my card stolen and there is an alert on my account according to chme Visa however I'm still not sure that I spoke to a proper representative and I have a new card being sent in the mail currently they stated that they would not be able to access my actual checking account and routing numbers so that a replacement card would be sufficient I am now in the process of waiting for that but I am out {$300.00} I filed a dispute with the company but I have not received any other confirmations with the exception of an email that states that I filed a complaint I did receive a text message for a code that supposedly I had requested which I did not when I received that I called chime Visa again I spoke to a representative he assured me that was because of the dispute process that I had initiated however the automated system XXXX  I clicked into that text said something about maybe adjusting the check for clarity or what not so it appears that whoever did drain my account from chme Visa or otherwise was also trying to create a check to cash on my account as well so I don't know how much information they have and I was unable to get confirmation from chime Visa themselves. I have uninstalled all remote apps and as many permissions as I believe I can to block any additional activity from this scammer and I'm now on my way to the local PD to file a report. The supposed agent gave me a transaction number that began with a $ indicating to me this was in fact a confirmation sent from a third party XXXX  such as XXXX XXXX however I do not know this person or where they are located and my XXXX XXXX history will reflect my continuous but infrequent use of it for a few certain people ( my XXXX  and my XXXX  whom we do dinner together at work on occasion )
Consumer complaint received 2024-01-19
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 (NY)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-04-28
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. (AR)

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 168XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX All the XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.
Consumer complaint received 2024-01-19
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OK)

I made a purchase with my gift card on line. The company cancelled the order and sent, me an email showing that they had. Because I can't regfister an address with the card. 
Now it shows pending charge on my card and has for almost a week. They won ' ; t let me file a complaint on a pending charge.So there is nothing I can do, can't even contact the company. I will never buy a vanilla card again. This is the second problem I have had with them. Please helep me out on this. I am a XXXX XXXX  on a fixed income and need my money.. 
The card number is XXXX XXXX XXXX XXXX. XX/XX/year>. The company powersports has been very cooperative and had no problem making sure the order was cancelled and told me the funds would be put back on my card. The problem is with Vanilla gift card.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (FL)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/24 I received a message from TransUnion of a score decrease of XXXX points Due to my XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance being paid off in full decreasing the {$70.00} balance to {$0.00} this has negatively affected my ability to purchase a home.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-05-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I've received a letter from Portfolio Recovery Associates , LLC dated XX/XX/XXXX as a response to my previous CFPB complaint sent on XX/XX/XXXX. The complaint number referenced is : XXXX. In that complaint I demanded Portfolio Recovery Associates , LLC to provide full disclosure and original accounting documentation proving their lawful right to continually report derogatory information to each of my consumer reports. The referenced account number is : XXXX. The referenced balance is : {$900.00}. I refuse to pay this alleged debt. No contract between Portfolio Recovery Associates , LLC and I, the consumer exist. I demand this information be deleted from each of my consumer reports immediately and permanently. I am in possession of photocopied/manufactured documents containing both false and misleading information. As a debt collector/buyer, Portfolio Recovery Associates is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. This act of non-compliance proves their willful negligence in continuing to report derogatory information to my consumer report that is both damaging and defamatory. Portfolio Recovery Associates has neither properly verified or validated anything according to law. Portfolio Recovery Associates , LLC is listing XXXX XXXX. as the seller of this information and themselves as the " present creditor ; both direct examples of fraud and intentional misrepresentation. These derogatory items actively reporting on my consumer reports are direct examples of libel. All of which are keeping me under duress. Portfolio Recovery Associates , LLC is acting with malice and reckless disregard. The bill of sale included in their documentation further displays their attempts at extortion and an outright display of an inequitable transaction that continues to cause harm to me as the injured party. According to Portfolio Recovery Associates , LLC documentation, XXXX XXXX charged off the alleged account, recorded such as company loss, received a tax break, sold it to Portfolio Recovery Associates , LLC for profit and never provided me with the IRS form 1099-c for tax purposes to claim as income on my taxes. It is a violation of law to report income on a consumer report. Again, how are these actions equitable to me, the consumer? It is not. If Portfolio Recovery Associates , LLC is in fact, the present creditor on this alleged debt, I will be requesting a forensic audit according to GAAP from the IRS. I will also be requesting a forensic audit. I am submitting IRS form 3949-A for both companies listed on Portfolio Recovery Associates , LLC documentation sent to me dated : XX/XX/XXXX. 

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

hi good afternoon My name is XXXX XXXX XXXX and i have not make credit report more 10 year and isee that have lot inquiries on my file that i see see credit card that i never apply for one other information someone stole my identities and make report to IRS about it but i still have information on my i have student loan yes i due have that and car payment i don't have global lending i sale my car to other dealership and i don't own money to this companies and i send full report to you can see if remove
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2024 I went to a Wells Fargo in XXXX Delaware to withdraw {$20.00} from the atm, I walked over to the bank door and realized it was closed so I walked to the drive thru atm, after that I went back to my car thats when I seen the branch manager staring at me, she asked me if I was XXXX I told her no, then she started following me while I was driving off, she then met up with some XXXX XXXX and they started recording me and telling me they were calling the cops stating I was looking suspicious and why was I near the bank
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (OH)

I have filled out a XXXX form for Genesis Financial Solutions, and the IRS accepted it on XX/XX/2024 This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.
Consumer complaint received 2024-01-17
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)

So I have tried too get XXXX, Equifax, and XXXX to get collections off of my Credit report. Collections that are on Credit Report is a violation because it is a Certificate of Indebtness and also considered as income and it can not be reported on my Credit Report.. 

I demand deletions of these account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX