davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

US Bank still over XXXXXXXX XXXX for my savings account from XX/XX/2021 to join XXXX from XXXX and some grand to XXXX  in my savings within one month they claimed to not know whats going on that I didnt have a bank account with them that they sent me letters out and never received them but they wouldnt give them to me. Theyve been giving me the runaround forever. I dont know what else to do. Ive already checked my check change my checking account number twice before that Because I had issues and I am pretty sure I know that it was a inside job from a employee who worked at the bank where I banked with inside of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

A debt was placed on my credit profile by this company which I had no dealings with. Making me aware of a balance I owed to XXXX. I paid XXXX directly for this bill. Furthermore a disconnection bill/notice was provided to me by email from cast directly that bill says the service was disconnected and the bill was generated for the month of XX/XX/XXXX. XXXX. I had moved XX/XX/XXXX turned off services no disconnection needed; had all mail forwarded to my new address and not XXXX item forwarded was from XXXX which they say they sent mail repeatedly. I had no service with XXXX in XXXX of XXXX. I terminated service in XX/XX/XXXX. I had no reason to give XXXX an updated address as when I returned there equipment I was told I had no balance. Why was a bill and a not owed notice. Southwest credit systems is to remove this from my profile due to the fact XXXX is at fault not myself. I paid this debt in full directly to XXXX
Consumer complaint received 2023-09-18
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (GA)

Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

CBE GROUP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$80.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reported fraud on my account on XX/XX/2023. There were numerous charges for hundreds of dollars that I did not make. I immediately reported the transactions as fraudulent when I received an email notification about other charges that were declined. 

The fraud was reported and temporary credits were given but my available credit was not updated. I contacted Capitol One and they advised that the temporary credit was put on hold until the investigation is completed which could take XXXX  days. 

Providing temporary credits but putting them on hold seems illegal. Why post credits to the account if they are not able to be utilized. 

I am unable to pay my bills due to fraud on the account and the credits being on hold.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND XXXX XXXX FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I XXXX XXXX XXXX always paid on time and had a XXXX balance with capital one XXXX 
I got XXXX XXXX  on XX/XX/ and at that time my wallet went missing plus tablet. I called Capital One and all my other accounts from XXXX phone that's recorded and informed them including capital one that my identity was stolen and all my accounts were being used. Capital One told me they would investigate the issue. I even made a small payment bc my credit report is valuable to me. So I can prove I was detained/incarcerated while these unauthorized charges were made but capital one and every other credit company still reported delinquent payments and closed my account/ accounts. Capital One is slandering my credit report and credit score which is against the Fair credit reporting act. I filed a dispute with XXXX and in less then 48 hours their investigation was done and kept reporting that my capital one account was delinquent which is false. I always paid on time and had a XXXX balance and that the truth is what should be reported to all 3 credit bureaus and if it's not fixed as soon as possible I will be filing a lawsuit
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (AZ)

On XXXX XXXX XXXX  I applied for a checking account with BMO harris. I then received a letter at my email that is XXXX XXXX telling me that I was denied an account because the bank couldn't verify my identity. This is false because I put in my correct date of birth social security number and address so they could of identified me easily. The bank did this on purpose to me so I would not get the {$400.00} bonus that was promised to me in the mail with reference number Bonus code : XXXX. 
I was sent 2 different reference # XXXX XXXX and XXXX to my email.
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Received a notice from these crooks at Portfolio Recovery Associates. They said they "bought" a debt from XXXX {South Dakota} XXXX XXXX for $XXXX, Account number XXXX> First, I don't know what the hell they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX   br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact XXXX, call . XXXX XXXX XXXX. fot the Portfolio folks, call XXXX XXXX XXXX XXXX.Looking for some help.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates (GA)

Following my visit to XXXX XXXX Hospital in XXXX, GA on XX/XX/2017 for my son 's illness, XXXX charged for me HC ER Service Class III and filed 2 claims worth {$1200.00} and {$810.00} of which I was deemed responsible for {$750.00} and {$120.00} respectively by my insurance XXXX. 
Knowing it was no more than an urgent care visit and definitely not HC ER Service Class III, I requested for itemized bill several times to XXXX XXXX XXXX but I never received. 
I've also appealed to XXXX and while they are investigating, XXXX already sent these to 2 different collection agencies and they want me to pay the said amounts regardless of whether I actually received the services or not.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX 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 2023-05-05
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: Advantage Credit, Inc. (TX)

Advantage Credit , Inc. XX/XX/ and XXXX XXXX XXXX XXXX XXXX. I never gave written consent for a credit inquiry. Remove hard inquiry from the XXXX credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2023-10-19
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. (GA)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX LA XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXBalance Owed : {$180.00} ; XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CO)

I called Westlake financial to notify them that I never got disclosures that I was due pursuant to 15USC6802 they sent me my payment history After months of back-and-forth, they told me that they'd send it in a privacy policy at the end of the year. I told them that I wouldn't have to wait till the end of the year. Because these are disclosures I shouldve go supposed to have got at the beginning When I got the auto. I stopped paying them and notified them. That I was going to take action if I didn't receive my disclosures. They then altered my contract on my auto loan. So I continued to not pay Until the legal department reached back out to me which they had and done for months at this point. And their reporting to consumer reporting agencies incorrec And their reporting to consumer reporting agencies incorrectly. An repoed my car this morning
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (IL)

I have had BMO since XXXX. I DO NOT have overdraft protection on my account but yet if I am low in my account and a payment is coming out they still let it go through and I am always going negative in my account when this happens. Why is BMO allowing this? this is not fair to anybody who is struggling right now during hard times, The most recent payment was for {$350.00} which is for my XXXX XXXX payment. I only had {$300.00} and some change in the account and they allowed it to go through and now I am - {$50.00} in my account. I want an audit done on this by BMO since I have had them and I want to see how much money they caused me to go negative since XXXX. Now I have no money till XX/XX/XXXX when I get paid next and now I will be {$50.00} less once my direct deposit goes in. This is down out right and dirty for a bank to keep doing this and not doing the right thing by saying " Sorry, you don't have enough funds in your account to cover this '' Then I can call the creditor and make arrangements with them. I had two people on the phone today, one this morning saying that the money won't be taking out as I see you don't have enough in your account and it should just fall off. I get an email stating that the payment did go through from the email I got from my Trustee 's office stating it on the way. I call back this afternoon XXXX and a gentleman from BMO even stated the transaction should have never gone through as I DON'T have overdraft protection on my account and he apologized for the inconvience. I want a full audit done as I want to see how much this bank cost me over the years with their unethical practices.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WA. XXXX To whom this may Concern : Equifax XXXX XXXX  XXXX XX/XX/2023 My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items listed below attached to this letter deleted from my consumer reports immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquires from my Consumer reports.

Thank you in advance for assisting me with issue. 

Sincerely XXXX XXXX
Consumer complaint received 2023-12-13
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX 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
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (TX)

XXXXm writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my AMEX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( XXXX ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the XXXX  and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring.
Consumer complaint received 2023-05-20
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. (FL)

I am interested in processing disputes on my credit report with experian. I need to delete all inaccurate information on my credit report that is hindering my file. please review an delete the items listed to clear my file.
Consumer complaint received 2022-12-20
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)

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 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Before Covid stopped student loan payments my loan was XXXX and now it is XXXX. My loan amount is wrong. XXXX before CoVID and now loans were doubled since Mohela has taken over. This is not correct. XXXX also had a breach of student loan customers and their private information. i had fraud on my information. Im would like to see the loan corrected