davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (WA)

XXXX XXXX over night was put in my credit report when I called he told me I was part of a data breach and if I didn't pay XXXX down and XXXX a month till resolved it will stay on my credit report and they can charge me if the debts mine or not.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i
Consumer complaint received 2023-06-13
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. (TN)

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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 (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX, Capital One, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, Capital One are financial institutions and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( XXXX XXXX, Capital One ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, Capital One ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AVANTE (PR)

On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Whom reports credit bureau I'm delinquent or owe. requested money on account been paid. And XXXX. Sold my information too multiple collection agencies name rXXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX whom also. Reporting trying collect on same account for XXXX 's. that not owe any money. .which has huge effect on my credit report 3 credit agency for months l have disputes this information which constantly still showing on my credit report. On the Billin shows other names instead my name. XXXX XXXX It shows different names on billing XXXX XXXX XXXX XXXX XXXX and these credit reports finding saying accurate reports. Which not true Documents attached bills not my name
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2023 I called American Express XXXX times. Each time was after a failed transaction at a different merchant who said that they accepted American Express payments. The card was declined after each merchant attempted to swipe the card at least twice. The places I went to were a XXXX gas station, a local tobacco shop, a XXXX XXXX restaurant, and a XXXX XXXX XXXX XXXX restaurant. 
Each American Express representative that I spoke with stated that the payment was declined for my own protection and to go somewhere else and try using the card. I did. This did not work any of the times. They mentioned to try at a XXXX or XXXX. 

XX/XX/2023 I went to XXXX and tried to purchase a pack of gum for {$4.00}. My gift card balance is currently {$200.00}. The transaction was declined. I called customer service while walking through XXXX with my family and they said to wait XXXX minutes and to try again. Again, they said the reason for the decline was for my own protection against fraud. I waited at least XXXX minutes and tried to make a {$39.00} purchase. The transaction was declined again. 
I went to an XXXX who also accepts American Express and tried paying for my familys dinner. The price was {$45.00}. This transaction was declined. I called customer service and they said the transaction was declined for my own protection and to try at another merchant. 

Finally I called customer service and they gave me the same reasoning. This gift card is virtually worthless and useless and American Express refuses to do anything to help me use the funds that were gifted to me.
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: WELLS FARGO & COMPANY (LA)

I have traveled down to XXXX for a month long vacation and immediately upon landing we got in a taxi cab that stole my card information and charged an additional {$200.00} on my account. We did not catch this for a day. Then, at a pharmacy, we were charged an additional {$75.00} then we were told the cost was ( {$35.00} ). We found out later this is a common scam. Once we noticed this ( first the taxi charge was noticed ) I IMMEDIATELY called the bank and had my business card closed down and filed a fraud claim. There was the additional pharmacy charge that was not caught during this call. Its possible there are two other fraud charged that were made with my card before we were able to catch it and shut the card down. They have declined my fraud claim despite my card being shut down and account being claimed. They took the money out of my account yesterday with no claim denial email. I know its not a high amount of money, but the fact is that I now feel like Wells Fargo doesn't empathize with fraud victim claims. My business account was violated, money was taken from it and the bank acted like the claim itself was fraudulent. I did file an additional complaint with them this morning with no response as of now.
Consumer complaint received 2024-04-17
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. (NY)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have been closed and are inaccurate this is affecting my credit.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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. (FL)

I am writing to file a formal dispute regarding a clear violation of the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX. I have discovered that the consumer reporting agencies have reinserted previously deleted information into my credit report without providing the required notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ), it is explicitly stated that if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. 
Despite this statutory requirement, I have not received any notification from either Equifax or XXXX regarding the reinsertion of the aforementioned accounts. This failure to comply with the FCRA has serious implications for consumers, as it denies them the opportunity to review and dispute inaccuracies in a timely manner. 
I kindly request the Consumer Financial Protection Bureau to : 1. Investigate the reinsertion of deleted information by Equifax and XXXX without providing the required written notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
2. Confirm the violation of the FCRA and take appropriate enforcement actions against Equifax and XXXX. 
3. Ensure the immediate removal of the reinserted accounts from my credit reports.

4. Provide me with written confirmation of the resolution and any actions taken.

I appreciate your prompt attention to this matter and the protection of consumer rights under the FCRA. Please feel free to contact me if further information is needed.

Thank you for your assistance in resolving this issue.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

A capitol one XXXX savings account was opened under my name and ssn fraudulently. I contacted them regarding having the account frozen and closed and to report the fraud. I was supposed to receive a call with the department to rectify this and I have not. I have never had any accounts with Capitol One nor am I trying to open any new accounts.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (FL)

I applied for financing at Land Rover XXXX XXXX on XX/XX/XXXX for a Used XXXX XXXX XXXX. I fell in love with the pictures even before seeing the vehicle. The finance manager reviewed my credit and walked me through the application process. I was connected with a sales person by the name of XXXX XXXX. I was approved for financing and had plans to visit the dealer the following day. That same evening, I noticed a discrepancy with the mileage of the vehicle that was posted on the advertisement. The mileage listed on the sales advertisement was XXXX. The actual miles on the vehicle was XXXX. Once I reported the discrepancy to my salesman the dealer didnt seem interested in working with me any longer, nor did they want to make any concessions. I subsequently posted a review about my experience and received a voicemail from XXXX XXXX and XXXX XXXX asking me if I would be willing to remove the reviews, and to give them an opportunity to make it right. Well naturally I accepted his apology and had high hopes we could get a deal done, so I prematurely deleted my reviews because I had faith this deal would be done. We did in fact come up with a more agreeable term and I had an appointment scheduled to visit the dealer at XXXX on XX/XX/XXXX to close. Unfortunately I got a text from my salesman that someone was at the dealer the same morning of my scheduled appointment getting approved for the vehicle. I should have left this dealer alone when my guy instincts told me to do so. It was a waste of mutiple inquires on my credit report and they just acted in bad faith the entire time. They were never truly interested in my business, they wanted the review removed. I was fully prepared to do a deal if this vehicle had been presented to me with complete and accurate information. Please stay away from this dealership.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

XXXX XXXX Balance= {$29000.00} XXXX CitiCards CBNA balance {$6900.00} In accodrance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6.2 states I have the right to privacy. 15 USC 1681 section 6.4a section 2 also states a consumer reporting agency can not furnish and 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 2024-02-27
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (MD)

My Virginia unemployment is deposited to my Virginia Way2Go Card ( Prepaid XXXX ) and I have had numerous issues with this company. 

XX/XX/2024 - I received an unauthorized charge of {$4.00} on my Way2Go card - I contacted Way2Go to refund my card {$4.00} - Way2Go suggested I order a new card ( I paid {$18.00} for expedited shipping and {$4.00} for a new card XX/XX/2024 - I called XXXX and was told the new expedited card was never shipped - I called Way2Go and they agreed to refund the {$18.00} expedited fee and {$4.00} fee since I never received a new card - Way2Go agreed to send another card and informed me it would take 5-10 business days To date, I have not received my refund of {$18.00} and {$4.00} ( I was told this would only take a few days on XXXX XXXX ). For the past several days I have attempted to reach Way2Go and can not get through the line. Even when I select the option to report a card lost or stolen -- I am unable to reach a live representative. I am only prompted to enter my social security number which is a red flag. The way Way2Go operates is inefficient and untrustworthy. Additionally, their practices do not reassure the safety of their consumers information. I am reaching out in hopes of solving this issue.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (FL)

In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXX ACCT : XXXX, XXXX XXXX  acct XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.