davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 XXXX 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 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/ 2023, I used my XXXX XXXX XXXX credit card to do a Balance Transfer to my existing high interest Capital One Venture Card. My husband did the same That transfer of about {$40000.00} went out of our XXXX XXXX account but it is still not showing up on Capital One account and now they have locked us out of the Capital One Account and frozen our rewards miles because they allege that there is some fraud lock out. They state that the only way to resolve this would be to send our Credit Card statement from XXXX XXXX to them. However, there is no credit card statement available since it is only 2 days since that account was activated. If we have to wait one more month to send the credit card statement, they will charge me interest at 24 % for the existing balance of XXXX. They are holding my funds from XXXX XXXXXXXX XXXX and at the same time charging me interest. Can you please help. We have paid XXXX XXXX a balance transfer fee of close to {$2500.00} ( Which by itself should not be charged ) and now we are paying a daily interest at 24 % for {$40000.00}. Can you please resolve this matter immediately. We are poor self-employed individuals who used the credit card during the XXXX season for purchases and now we are being penalized by the big banks.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-12-30
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: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2018-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.
Consumer complaint received 2024-04-19
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. (TN)

I was notified via mail that I am a victim of a data breach with Equifax. XXXX XXXX of XXXX I reached out to Equifax in dire need of help with correcting my report. I recently reviewed my credit report and noticed that information pertaining to my personal information was incorrect ( despite previously sending written communication with instructions of how my personal information should be listed ) as well as unauthorized inquiries listed from XXXX that I do not recognize. In total I spoke to about XXXX representatives and XXXX supervisor who all provided the same generic response and no resolution. Equifax is unwilling to assist me with correcting and removing this inaccurate and damaging information that is being reported by their company therefore I am taking the next course of action available that I feel is necessary.
Consumer complaint received 2022-11-21
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. (NJ)

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX  ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXXXXXX XXXX XXXX  ), has violated my rights. 

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 2024-04-19
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. 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. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. ()

Transaction Details From : Cash App ( Square Inc. ) To : XXXX XXXX Date : XX/XX/2021 Amount : XXXX Location : XXXX, MN Since I was moving out of US, I had put a freeze on my Debit card, which caused the transaction to be declined from XXXX XXXX. 

The money was expected to be returned to my cash app or at least allow me to retry the transaction. However the amount is stuck at Pending state, so I can not use it. 

I tried reaching out to Cash app support which is non-existent outside US. Their XXXX support declined to provide any help or contact details like email/phone to release this money.
Consumer complaint received 2024-04-19
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 XXXX XXXX completely disagree with the account listed below which is still showing on my consumer credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly affecting my credit score XXXX  XXXX XXXX ( Account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A_D, Please provide the name, business addresses of each individual with whom you verified the above, so that I may follow up, please send me an updated copy my report after the reinvestigation. 

XXXX XXXX
Consumer complaint received 2018-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have credit monitoring with XXXX XXXX XXXX and XXXX XXXX and was made aware of application and account with XXXX XXXX on my Transunion credit report. I have filed a Police report indicating account is fraud and sent necessary information to XXXX XXXX fraud Dept. We have called XXXX XXXX to verify they have received all documents needed and closed account as fraud. I have never been associated with XXXX XXXX and want this erroneous information removed from my file.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2023-08-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for an Employment Development Department card and received a benefits card in XXXX through Bank of America. I made transactions from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I checked the balance of my card of {$4700.00}. After this day, I decided to stop making transactions and let my benefits accumulate for the purpose of using the money for another payment in the future. I did not check on any statements, because I entrusted that Bank of America would have secured my benefits and notify me of any suspicious activity or fraudulent charges. My card expired on XX/XX/XXXX and I renewed the card. I received the new card on XX/XX/XXXX. Upon activating my card with my credentials, I discovered I had a balance of less than XXXX dollars. I filed a claim with Bank of America on XX/XX/XXXX to dispute any unauthorized transactions and requested a copy of all transactions. During speaking with a Bank of America representative, I was asked if I had received the renewed card. I was frustrated in the moment and forgot that I had the new card in my possession and said I never received the card because I was attempting to dispute the fraudulent transactions, not whether I received the card or not. I was frustrated, because my identity was stolen, and my benefits were stolen and wanted to just dispute the transactions. When receiving the document via email, I saw 43 fraudulent transactions totaling up to {$5400.00}. On XX/XX/XXXX, I received through the mail, a letter from Bank of America stating that my claim was denied because I renewed my card using my credentials and that the card was mailed to my address. On XX/XX/XXXX I called Bank of America again requesting to reopen the claim and filed a complaint with Bank of America. I stated that the issue was not whether or not I received the card but that there were fraudulent charges on my EDD card. I was asked to verify my identity via fax. On the same day, I faxed a photo of my government issued identification card and on XX/XX/XXXX I filed a police report documenting the unauthorized transactions and faxed it to Bank of America, along with my government issued ID and photos of the new/expired EDD cards in my possession. Therefore, I am making a complaint about Bank of America. I believe they were negligent and culpably indifferent towards my claim. I entrusted them with the security of my money/benefits and entrusted them to notify me of any fraudulent transactions and or suspicious activity, which they failed to do. I also entrusted them to reimburse the money/benefits that is stolen from me. If only they had made a thorough investigation of my claim by comparing my transactions from XXXX to XXXX to the unauthorized transactions I am disputing, they would have discovered that all of the fraudulent charges I am disputing were made outside of my area of residence, out of state, and internationally.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached 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. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

Around XX/XX/XXXX, through the XXXX  XXXX XXXX 's school email, an email was sent to students about an employer looking for a personal assistant. Since it was through the school I believed it to be secure and I applied for the job. On XX/XX/XXXX, I received an email stating that I was confirmed for the job and that I was hired. In the email it was said that I would receive a weekly pay of {$450.00} and benefits, it also listed job tasks that I would have to complete. I was also given onboarding employment paperwork under impersonating the XXXX XXXX XXXX. On XX/XX/XXXX, the " employer '' asked me to mobile deposit a check into my bank account for the sum of {$1400.00}. The check deposited and I believed all was clear. The {$1000.00} was meant to be used for business expenses that the employer wanted me to purchase. Throughout XX/XX/XXXX and XXXX I was told that I needed to buy a variety of gift cards as my job tasks as a personal assistant for this employer. These purchases would add up to {$900.00}. On XX/XX/XXXX I was notified that my bank account was overdrawn for {$900.00} dollars because the check bounced as it was part of a fraudulent scam. I filed a police report with the XXXX XXXX XXXX Police Department as well as the XXXX XXXX XXXXXXXX police department on XX/XX/XXXX. I also called my bank, Wells Fargo, on XX/XX/XXXX right away as I found out that I was scammed. I provided the bank with both case numbers and with as much information as possible. However, I was told that my claim was denied and that I would not get reimbursed.
Consumer complaint received 2024-04-19
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. (MO)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-29
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. (NE)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-12-30
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 (HI)

I am writing to address the charged-off account associated with the above-referenced account number. I understand the account has been charged off, and I am reaching out to discuss the possibility of settling the outstanding balance. 

Due to [ explain any financial hardship or challenges you've faced ], I am currently unable to pay the full amount owed. However, I am eager to resolve this matter and am proposing a settlement. 

I am offering to settle the account by paying [ percentage or specific amount, e.g., 50 % of the total balance ] as a full and final payment. Upon receipt of the agreed-upon amount, I request that you update the account status on my credit report to " Paid '' or " Settled. '' I believe this proposal is fair and mutually beneficial. It would allow me to resolve the debt while providing your agency with a reasonable payment. Please find enclosed [ if applicable, include any
supporting documents or a cashier 's check for the agreed-upon amount ]. I kindly request that you send me written confirmation of our settlement agreement, including the updated account status on my credit report, within [ specify a reasonable timeframe, typically XXXX business days ] of receiving the payment. 

This settlement is not an acknowledgment of liability for the debt, and I am making this payment to expedite the resolution of the matter.

If you find this proposal acceptable, please provide a written confirmation of our agreement, and I will promptly submit the agreed-upon payment. 

Thank you for your attention to this matter. I believe that reaching a settlement is in the best interest of both parties and will help bring this issue to a satisfactory conclusion. 

Sincerely, XXXX XXXX Note : Before sending such a letter, it's advisable to consult with a financial advisor or legal professional to ensure the terms are appropriate for your situation and comply with applicable laws.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

I opened the Discover Credit Card in XX/XX/XXXX and have been using it until now. In XX/XX/XXXX, I realized that the bank has been charging me {$25.00} per month for payment protection fee since its opening. I was not informed about this service at all. I was not aware of this service at all until XX/XX/XXXX. So I called the credit card company and cancelled this service in XX/XX/XXXX. 

On XX/XX/XXXX, I called and requested the credit card company to refund {$1700.00} that I already paid from the opening to XX/XX/XXXX.  However, they said that they could only pay up to 6 months fees ( {$150.00} ). 

It would be greatly appreciated your help on this matter. 

Best Regards, XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.