davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

It was some fraudulent activity done to my accounts and I disputed the transactions..chime denied all disputes then tried to reverse a old close dispute so my account would be in the negatives..now they telling me to verify my identity, which I did but they keep acting like Im not supplying the right documents
Consumer complaint received 2023-11-24
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 (MO)

In accordance with the fair credit reporting act, Capital One auto finance acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2023-11-24
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. (DC)

I am writing in formally to appeal the denial of my claim concerning the Equifax Data Breach and the impact it had on my personal information. In XX/XX/2023, I received notice from Equifax stating that my claim had been denied on the grounds that I did not have an active membership with Equifax at the time of the breach. 

I would like to emphasize that despite the assertion made by Equifax, my personal information was undoubtedly impacted by the data breach. The breach compromised sensitive data, including my social security number, address, and other personal details that reach the dark web, which poses a significant risk to my financial security and personal privacy. 

I understand the necessity of accurate records and verifications for such claims. However, I believe there has been a misunderstanding or error in evaluating my situation. I have thoroughly reviewed my records and can confidently confirm that my information was indeed affected by the Equifax Data Breach I have enclosed documents that further validate my claim and substantiate the impact on my personal information. 

I kindly request a reconsideration of my claim and urge the CFPB to reassess the evidence provided. The breach has caused significant distress and potential risk to my financial well-being, and I trust that the CFPB will XXXX review my case to ensure fair resolution. 

I appreciate your time and attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information or clarification is needed. 

Thank you for your prompt consideration.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/ {$27.00} for a transaction on XXXX XXXX XXXX 
XX/XX/3 {$27.00} for a transaction on XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} for a transaction on XX/XX/2023. 

I visited a priority pass airport lounge on XX/XX/XXXX  with 2 guests ( spouse and daughter ) and was supposed to be free as my card includes 2 guest + self for free. I visited a restaurant within priority pass on XX/XX/2023 with 2 guests ( spouse and daughter ) which should have also had been free. 

Contacted chase and they wont dispute or refund the charges and also claim to have no visibility into why I was charged these fees and so late. They also confirmed 2 guest should be free per card benefit for priority pass.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possibXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (NY)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-03-15
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-03-15
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: Experian Information Solutions Inc. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 I deposited a check of {$1800.00} which I received from a company for my internship to purchase training equipments. 
Bank of America credited the amount in my account without any disclosure that its under process or any warning that check hasnt cleared but we have still credited the amount in your account. The internship company asked me to XXXX  {$1700.00} to a vendor in XXXX to purchase the equipments, which I did. 
On XX/XX/2022 Bank of America reversed the transaction claiming that the check didnt clear leading to my account going in negative. 
It amazes me that why would Bank of America credit the amount if the check never cleared, this lead to me losing money from my account and my balance going in negative. 
As a student in XXXX, who has come from XXXX, it causes so many hardship because the banking system doesnt do its due diligence before crediting an amount from the check.
Consumer complaint received 2023-11-24
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: CITIBANK, N.A. (FL)

I enrolled in an online employment site called " XXXX XXXX '' phone # XXXXXXXX  about two years ago. I used my Best buy credit card to make the purchase. XXXX. 

After about two months and unable to get employment with " XXXX XXXX  '', I attempted to disenroll from the service and stop the use of my credit card. 

I contacted both " XXXX  XXXX '' and " Best buy ''. Both promised to cancel my enrollment and Best buy promised a refund. 

I would like Best buy and XXXX XXXX to cancel my enrollment and refund any funds due me.
Consumer complaint received 2023-07-16
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. XXXX XXXX U Under, 15 U.S 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (IL)

I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
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. (NY)

i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXX credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..
Consumer complaint received 2023-02-19
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: IQOR US INC (SC)

Allied Interstate reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681
Consumer complaint received 2023-10-11
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Dear PayPal Support Team, I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I strongly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period and have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of great importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I am a victim of identity theft. Someone has been hacking my accounts since the beginning of the year and I have called capital one to make several complaints. I have opened several claims with them but whenever they deny a claim, they never give me any type of investigation process or proof. I think it's completely unfair that they can just deny claims when I am literally telling them that I did not authorize these transactions. Can you please have them reinvestigate these claims and give me my money back. 
# XXXX # XXXX # XXXX I did not authorize these transactions and I have told them multiple times. Because of Capital One 's irresponsibility, I faced an eviction and lost my home. 
Please have them rectify this.
Consumer complaint received 2017-05-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (TN)

A representative from  True Accord  -   XXXX   XXXX   - continues to email me in regards to a debt. Her emails have become increasingly inappropriate. I have not responded to these emails as I have no written notification of a debt in my name with her company. She uses very intemperate and inappropriate language to address me and this alleged debt. I have a copy of a recent email from  XXXX  and have included a transcript with this report.      XXXX  's latest email subject tell me to : ( My name  ) it ' s time to stop with the games  Body : W hen I grew up I put away childish things.  Enough. P ay what you owe.     I have attached a screenshot of this email.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TN)

on XXXX I got an alert that a new account was opened in my name with XXXX. I did not open allow it to be opened or gave permission for an account with XXXX to be opened. I have filed a complaint with the FTC and the XXXX county sheriff 's office this has been an ongoing issue. please see attached.