davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

This is my numerous 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. 
XXXXXXXX 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 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 2023-04-20
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: EQUIFAX, INC. (OK)

I have been attempting to deal with Equifax since XXXX XXXX XXXX. I was locked out of my online account, being charged monthly for a service I could not access due to being locked out. Finally, I called Equifax and on the 5th attempt I did reach a customer service person who reported that they cancelled the service but I got no refund for the 6 months I was not able to access my account. One year later, still not able to access my credit report sent multiple dispute letters to Equifax, no response, called on the XXXX try reached a customer service person who said I would be getting an email within XXXX ( XXXX ) days to resolve being locked out of account. I never received it. I have over 35 hard inquiries on my credit report that were initiated without my consent, again customer service refused to help stating I needed to contact each business individually, even though I had done that, still refusal to assist. Today I attempted to log back into my account, I am attaching screen shots. Both XXXX and XXXX reflect at least XXXX pts higher, while Equifax will not cooperate or acknowledge even my existence. I am sending a certified letter with Intent to Sue. TWO YEARS and definitely experienced $ $ $ $ $ thousands of loss due to high risk financing.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-01-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

XXXX XXXXXXXX XXXX XXXX  and Capital One sent me a fraudulent cashier 's check from my closed out checking out almost twelve months after the account was closed. The fraudulent cashier 's check could not be cashed despite Capital One 's policy regarding their bank issued cashier 's check. The check was issued directly from Capital One and they knew that it was not funded at the time that they mailed it to me. As a result the Capital One cashier 's check bounced multiple times. Capital One representatives repeatedly lied about the check and its replacement status. I've communicated to several Capital One representatives including the CEO 's office that they should immediately send a replacement check to the same address information they had for the for the destroyed fraudulent check. To date I've had to suffer numerous lies from Capital One representatives and I have not received the cashier 's check requested or reimbursement for the bounced check fees incurred from their fraudulent check or any compensation for the damage that their fraudulent actions have caused.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (KS)

Received a letter from AMOCAL Systems or XXXX, they use both names, stating that XXXX XXXX XXXX XXXX XXXX was owed {$5500.00} from me. I called them. They said the bill was for services provided to my adult son. I explained he was an adult and this is not my bi ; ll. They stated someone said I was responsible so I had to pay this or they were providing negative information on my credit to the credit bureau.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited a check for {$10000.00} on Friday XX/XX/2022. 
Check cleared the bank that the check was written from on Friday XX/XX/2022. 
Truist put a hold on my check on Saturday, XX/XX/2022. 
I waited a few days, then called customer service. I was told the hold was due to " doubtful recovery of funds '' and was told to go into a branch with the check to possibly get the hold removed. 
I went into branch with the check and was told that if I could provide proof that the check had cleared, that they could remove the hold. 
I emailed proof of the clearing within 2 hours of being in the branch.

The branch leader called me the next day after I sent another email asking for an update and said that it would be done. 
Today is Monday XX/XX/2022, the day my funds were originally supposed to be available and I still do not have the funds.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

I requested The original creditor 's name and address.

The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I traded in my XXXX XXXX to XXXX of XXXX for the XXXX XXXX. Per the trade, XXXX was to pay off my existing loan with Bank of America for the XXXX XXXX XXXX XXXX did not send out the check to pay off the loan on the XXXX XXXX until XX/XX/2022, so it was reported on my credit that I had two late payments. I called and spoke with the dealership several times during this period because I was notified in XXXX via a credit report ding that the payment was late and the loan had not been paid off. It wasn't until I threatened to leave a public negative review that it was paid off. XXXX stated that they would attempt to dispute the two late payments because they were caused by their negligence, but they did not.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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: I.C. System, Inc. (TX)

Hi, I've tried to fix this false reporting with XXXX and XXXX last month and they didn't update the late payment I had. I need this last payment/debt collection that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap.
Consumer complaint received 2018-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (CA)

I was seen at XXXX XXXX XXXX XXXX  (XXXX, OK)  in the emergency room XX/XX/XXXX. 
When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. 
A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized  and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! 

The amount with AMCOL Systems Inc- $XXXX. 

I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. 

I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (PA)

I bought two {$100.00} American express prepaid gift cards on XX/XX/24 from XXXX. It was advertised that these gift cards should work on nearly any online and in-person site however, it was clear that, that wasnt the case. Typed out below is what Amex advertises on the AmexGiftcard website.

Widely accepted More places than ever welcome American Express Gift Cards.

No usage fees This Gift Card has no fees after purchase.

No expiration The funds on this Gift Card do not expire.

Add to mobile wallet Add to your Mobile Wallet for a contactless way to pay in-store.

I made sure that they were activated by using the website to check my balance. An attempt was made to use them on XXXX, XXXX, and XXXX but all of them failed. I wasnt even able to add the the cards to my mobile wallet though the website clearly says that should be possible. Every time I tried to use the cards I was charged a {$0.00} fee which I didnt know was supposed to happen and doesnt happen with other gift cards such as Visa. 

I reached out to get assistance by calling the customer service number a day after receiving the cards. I was told that it would be better for me to try and use the card in-store, because they are serious about security. I looked it up online and saw others posting similar issues with Amex gift cards simply not working and getting the exact same message. THOUGH it was clearly advertised that the cards should work online, at almost every store, should not charge a fee after purchase and can be added to a mobile wallet. The card failed on nearly all fronts.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-10-01
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. (NV)

I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX ACCOUNT XXXX is reporting this account as opened on XX/XX/2023 The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Respected Director Im a XXXX  and this company is keep on harassing and not taking off this inappropriate debt of XXXX $ or something as originally they say it is XXXX $ and this is resulting due to identity theft and my car and documents got stolen back in 2019 of summer and I am not sure about these devices or anything. I already had a prepaid number and now Im overseas as since a year my number is cancelled and please I dont know why XXXX and Jefferson capital system is using such tactics. Please remove this false accusation from my credit thanks
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (FL)

On XXXX XXXX, I was alerted by MoneyLion, my bank, that I had a transaction declined because their system detected a series of fraudulent charges. There were six charges made at a XXXX in XXXX, New York ( I live in Florida and have never been to New York. ) One of the charges was declined, but my bank processed the other five transactions : Charge XXXX : XX/XX/2023 -- {$200.00} Charge XXXX : XX/XX/2023 -- {$250.00} Charge XXXX : XX/XX/2023 -- {$400.00} Charge XXXX : XX/XX/2023 -- {$110.00} Charge XXXX : XX/XX/2023 -- {$250.00} As soon as I saw my bank notify me of the sixth fraudulent charge, which was made at the same place on the same date in the amount of {$220.00}, I froze and canceled my debit card. When I called my bank, I was told there was nothing they could do until the charge was processed. 

I waited for the charges to be processed and then filed a dispute on XX/XX/2023 and sent a statement of fraud to MoneyLion. 

On XXXX XXXX, I was sent an email stating that they had reviewed my case and it was determined that : " The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. '' I contacted them again to reopen the dispute and sent them several pieces of evidence : 1. My transaction history of the date in question that showed other transactions I made in Florida. 
XXXX. My travel history via XXXX. 
XXXX. A screenshot of the bank -- itself -- alerting me to the fraudulent charges. 
XXXX. A paystub showing that I was at work and paid full-time wages at the time the charges were made. 

I have yet to hear back from my bank.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or around XX/XX/2023 Consumer sent 'validation of debt letter ' to Capital One Bank stating that Principal would continue to perform obligations of agreement upon validation of lawful debt. 

Principal was current on payments and in good standing with credit accounts. Principal had six accounts with Capital One, and all six accounts were closed in retaliation for the validation of debt request made by Principal. Capital One then reported late payments to Credit Reporting agencies without informing Principal of reporting within 30 days of reporting which violates 15 U.S.C. 1681s2 ( b ). Capital One failed to validate the debt and caused injury to consumer by reporting the negative information to Credit Reporting Agencies. Capital One also refused to accept and without notice of dishonor endorsed payment coupon delivered by Principal which is a UCC 3-414 and discharges the indorser.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

I applied bloomingdale credit card onXX/XX/2023 and planned to use this card to purchased a XXXX XXXX XXXX and a XXXX XXXX XXXX because it has 20 % off for new customer. The details are listed here.https : XXXXXXXX  When I tried to use the card to apply for the XXXX XXXX XXXX on XXXX XXXX, I didn't see the 20 % off applied in my shopping cart, so I called customer service, and purchased the carseat through customer service over the phone. And I was also told the 20 % off will be applied when it showed as my card transaction. I then purchased the XXXX XXXX the next day by myself online ( on XX/XX/2023 ). 

However, when the statement of the charged showed in my card, it doesn't have the 20 % off, even after couple of weeks, so I called customer service again, and I was told stroller and carseat are excluded from the 20 % off. I told them the exclusion was not listed in anywhere on their website, and I purchased the carseat through customer service over the phone, and clearly told the 20 % off will be applied in statement. However, I was told the same that stroller and carseat are excluded from the 20 % off, and they did admit that it was not clearly listed in their website, but they apologized that they could not do anything about it. 

I feel really unfair about it, so I tried to dispute the charges of the 20 % off, which is a total of XXXX $ through the bloomingdale credit card XXXX. However, I recently got the decision letter, and the dispute got rejected, because stroller and carseat are excluded from the offer... I feel the decision was strongly biased, because the letter was sent from bloomingdale billing department, and clearly, it is not the credit card bank ( which is XXXX XXXX ), but Bloomingdale who did the " investigation '' and rejected my dispute. So I would like to complain about this here, since this is totally unfair to me.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

A credit card account was fraudulently opened in 2018 which is past the statute of limitations, I tried to do a police report but couldnt due to not having a suspect in mind. I contacted this creditor who I never have done business nor signed anything with to see proof that I did a deal with them and they could not provide