davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-02-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Control Technology, Inc. (CA)

I XXXX non-adverse, non-belligerent, non-combatant, secure creditor with power of attorney general and XXXX on the behalf of the XXXX, have recently came across the knowledge of your possession of information on a Student Loan which showed up on the XXXX ( XXXX XXXX Verification Reporting System ) database. I XXXX has not taken out a Student Loan nor have I signed for a Student Loan for Institution in question XXXX. 
In XX/XX/XXXX, XXXX 's parent company at the time, XXXX, was sued by the state of California for " false and predatory advertising, intentional misrepresentations to students, securities fraud and unlawful use of military seals in advertisements and there are numerous other actions filed against XXXX in various XXXX states as well as United States agencies. In XX/XX/XXXX, XXXX agreed they would close or sell all their schools in the next few months.The U.S. Department of Education announced former U.S. Attorney XXXX, a well known corruption buster, would monitor the sale and closure of for-profit career colleges owned by the failing XXXX. 
On XX/XX/XXXX, XXXX sold XXXX of its XXXX and XXXX campuses and online programs to the XXXX, a new subsidiary of the XXXX. These institutions never existed in the Los Angeles California area historically nor at the time said claim had taken place. 
A court judgement that conclusively finds that I am and were a victim of identity theft has not been provided for I never pressed criminal charges on individual ( s ) who committed the crime due to lack of information on identities or individual ( s ). I demand that the United States Department Of Education immediately Discharge the Student Loan Account No : XXXX due to misidentification and/or fraud identity theft.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Company is practicing Retaliatory practices against my accounts for previous complaints filed by me they are denying legit claims and has not provided any evidence of what information they used to deny my claims it has surpassed the time frame on numerous claims that I was provisionally credited and the credit ( s ) have been unjustifiably reversed All claims that the company has reached out to me or weve came to a compromise or agreement in any regard of any complaints Ive filed are false they intentionally delayed response from emails and calls until the allotted response time has passed I want this company investigated and held accountable for their practices
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IN)

I received a notification this morning from both XXXX XXXX and XXXX XXXX saying that there was a new Hard Inquiry on my credit report. The inquiry was from JP Morgan Chase Bank and I have not applied for credit or a credit card for the last few years so this is a fraudelent attempt to get a card in my name. I am trying to get the inquiry removed from my credit report as well as make sure no one is able to obtain a credit card in my name.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From the branch of XXXX XXXX in New Jersey, I ordered corporate checks in my company name, which Big Boss. I paid USD XXXX from my business account approximately XXXX months ago.I tried to contact my customer representative at the bank by email, by XXXX and by mobile many times but he did not get back to me till now although he promised to compensate for the delays by sending the checks by XXXX whose charge will be fixed on their end. It was XX/XX/XXXX that I paid and ordered the checks but it will be XX/XX/XXXX and I still have not received the checks. No feedback till now. Very disappointed.
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-11
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: WELLS FARGO & COMPANY (NC)

I started the dispute for the plane tickets with my credit card company ( Wells Fargo ). The issue was that due to unforeseen circumstances I got to the airport late but before the plane took off. There was nobody from the airline to help ( I also called the office but was not able to get through ). Finally, when I was able to talk to someone from the airline, I was told that they couldn't do anything, which I found out later was a like. The tickets could have been booked prior to the takeoff ( for a fee, which I would be happy to pay ). Not only Wells Fargo kept jerking me around ( kept saying they couldn't help, then started the dispute, then contacted me to say that they would close it, then had me fill out documents- going back and forth ( from XXXX XXXX. They also issued me a credit, but they did not say it was a temporary credit till later ( about a month later ). I find this process very confusing and dishonest - providing credit and then saying that it was a " temporary credit ''. I feel that this practice is tricking people to believe that they can get their money back and spend the money that they don't actually have. Now I have to pay again for something that was paid months ago, and I did not budget for at this time.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX  Account number XXXX 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Last year on XX/XX/XXXX  a capital one account was opened fraudulently using my information. I contacted capital one and notified them that it was fraud. After multiple disputes with capital one and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that capital one is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (MI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I was in the XXXX XXXX on a business trip. I hired a driver ( like a taxi ) to take me from the XXXX airport to XXXX XXXX. I agreed to pay {$200.00} for the gas since it is so expense there. When we arrived at the so called gas station, I had my credit card out and an employee stole the card right out of my hands and went into his office. Right away a ran after him and asked for my card back or I will call the police. I do not speak XXXX and he did not speak XXXX. After about 5 mintues he gave my card back. Immiately after receiving my card, I received a smartphone text from Bank of America, asking if DECLINE or ACCEPT a charge of {$3500.00} from a business in the XXXX XXXX I immediately replied DECLINE. Then, I immediately called BofA and they said " Do not worry, you declined it so we will credit/refund the transaction on your account and de-activate your card and send you a new card. They said the employeee must have taken a photo of the card because they continued to try to charge up to {$10000.00} on my account. 

On XX/XX/XXXX   Bank of America put the fraud charge of {$3500.00} back on my CC account. I immediately called BofA and explained what happened and they opened up a fraud case. About 4 weeks later, I received a letter from them stating it was not fraud since there was a transaction of {$200.00}, making me an established recurring customer. However, BofA declined the original transaction of {$200.00}. I paid {$200.00} in cash and requested a receipt and the business said their printer is broken. 

I continued every week to call the BofA Fraud department in XXXX, AZ. asking for an update. Each time I called I had to explain the complete story over and over again. When I asked why aren't their notes from previous calls, the said they do not know. 

I suspect the driver and the business worked together on this fraud scam. Bank of America still has not refunded me the {$3500.00} plus interest they have been charging me. 

It has now been past 90 days and I still do not have a resolution.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NY)

I have already contacted several of the companies. There are repeated inquiries on my report for the same day, same week, and same month. I have over 80 inquiries. I did not authorize the inquiries on my report. I have placed a fraud alert on my reports to stop this from moving forward. Apparently someone is trying to get credit in various ways using my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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: Experian Information Solutions Inc. (GA)

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 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 2024-03-13
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. (IL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-10-11
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-19
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquiry XXXX XXXX XXXX, XXXX.