davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (FL)

Bullcity Financial XXXX ( XXXX ) XXXX has threatened to sue and garnish my XXXX wages based on a debt that was owed to a creditor that is no longer in business. Bullcity financial is the fourth entity that has attempted to recover on a debt that does not belong to me and continue to harass me.
Consumer complaint received 2024-01-28
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. (MI)

After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

I received a letter this week from AvanteUSA stating that they are trying to collect a debt for {$1300.00} for XXXX XXXX XXXXXXXX for the date of service 11/26/19. They do not list who the patient was in the letter. They state that they have already attempted to contact me which they have not. On the letter it states that they are willing to settle for the amount of {$330.00} but this amount must be received in their office by XX/XX/XXXXXXXX XXXX XXXX The " current creditor '' is listed as XXXX XXXX XXXX, XXXX. They also said in the letter that due to the age of the debt that they " will not sue me for it '' but this account may continue to be reported to credit reporting agencies as unpaid for as long as the law permits ... '' First, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they went bankrupt in XXXX. I, nor any of my family members were seen at the XXXX  or any of their freestanding XXXX XXXX on this date of service. This was verified by our health insurance that we had at the time. 

I feel like this is a fraudulent debt collector.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to Transunion 's response to complaint XXXX the following items were removed in XXXX. My most recent credit report shows that the following unauthorized inquiries are still reporting. Please remove the following items from my credit report : Inquiries : XXXX XX/XX/2023 TRANSUNION, XXXX XXXX XXXXXX/XX/2023 TRANSUNION, XXXX XX/XX/2023 TRANSUNION, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 TRANSUNION
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

This is my refiling complaint for APPLE CARD/GS BANK USA XXXX I believe that inaccurate information about me is being reported. In my credit report from XX/XX/2024, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NY)

When I did have that account, I had a high interest rate which made no sense because at the time my credit score was fine enough to have a lower interest-rate so that means I had to pay more for my vehicle than I should have. I called the company and ask them if they could do anything and they told me that there is nothing that they can do, so I was forced to pay off my loan about a year later Im highly disappointed
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, a charge was made from my account through Capital for {$550.00} and paid to XXXX XXXX of {$550.00}. I don't know this person and didn't make this purchase. When I speak to Capital One they inform me there is no way to speak to XXXX the platform where the money was spent. I have removed XXXX friom my account. Capital One 's website, it states " {$0.00} liability for unauthorized charges. '' Let me be as clear as possible this charge has no validity and is unauthorized. Capital One has given me a claim number of XXXX and state due to login history the claim was denied. Instead, Capital One sent me a list of common scams types on XX/XX/XXXX and on XX/XX/XXXX that a new device signed in to my account on XX/XX/XXXX. However, the real scam is having a company simply take out money from your account and there is no receipt for the charge provided and no information to validate the charge. Not being able to even reach the company that removed money from your account is unacceptable. When I look up who XXXX XXXX is online, it says that he sells life insurance. I haven't purchased life insurance. If instead XXXX or Capital One believes the charge is for sending money to a friend or family member, please show any connection to this person, as the person isn't known to me. Considering XXXX is connected with nearly every bank in the United States, it sets a precedent for charges with no accountability. I want the money returned to my account and the results published, so other consumers can be protected. Thank you in advance for your help and all you do to keep consumers safe.
Consumer complaint received 2024-04-30
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. (GA)

According to per usc 1681 I did not authorize the reporting offices. All XXXX major credit bureas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Unavailable DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX ) XXXX XXXX XXXX Unavailable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  Unavailable XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TN XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX  Unavailable XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Unavailable XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Consumer complaint received 2024-04-30
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. (MD)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

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 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

I have been trying to close my arrival + Barclay credit card for the past two days. When i call their office i am passed around to different people who say they are having issues canceling my card. It appears that they are having a system issue that is not allowing accounts to be closed. This system issue has been going on for days according to someone i spoke with at the company. They do not know when the issue will be resolved and when i will be able to close my account. They have requested that i call them back in another 24/48 hours.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (LA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2023-09-19
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. (FL)

This hard inquiries do not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with XXXX XXXX XXXX XXXX..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items from my credit report
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-09-19
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. (NJ)

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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX  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 an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-04-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-01-22
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)

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, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$39000.00}
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX a transfer of {$38000.00} was made from my Chase savings account to my Chase checking account. After that, the below are wire attempts ( XXXX successful ) made from my checking account to other Chase accounts and other banks between XX/XX/XXXX and XX/XX/XXXX. 
{$8000.00} to Chase Rejected {$8000.00} to Chase Rejected {$14000.00} to XXXX XXXX XXXX  - Rejected {$10000.00} to XXXX XXXX - Rejected {$11000.00} to XXXXXXXX XXXX XXXX  {$17000.00} to XXXX XXXX - Completed {$8200.00} to XXXXXXXX XXXX - Completed I received several pop-ups on my phone asking to confirm the wires ; all of which I declined. I received one phone call from Chase and received a pop-up message from the Chase App confirming that I was speaking to an actual Chase representative XXXX 
XXXX XXXX  XXXX rejected the wire because the name did not match that on the account. However, XXXX XXXX and XXXX, were less diligent and let the wire complete. 
Chase has denied my fraud claim and insists I performed these wires even though there is no history of wire transfers from my account. And I have no accounts at XXXX XXXX or XXXX
Consumer complaint received 2023-05-10
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. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/XXXX I mailed a check into American Express to make a payment on my account. The check cleared the account on XX/XX/XXXX, signaling they received the payment. As of this week ( XX/XX/XXXX ) they had still not applied the amount of the check to my account. on XX/XX/XXXX I reached out to American Express, provided them with proof of the check clearing and American Express having received the check. Today, XX/XX/XXXX, American Express closed the dispute saying " We request you to contact your bank/financial institution in order to initiate an appropriate action regarding the payment. '' I already reached out to my bank, and they provided me with proof this is incorrect. I submitted this document ( including a photo of the check ) and it was ignored by American Express.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (WA)

UFB Direct appears to be operating a fraudulent business built purely on false advertising and inadequate customer notification. 

They advertise high savings rates, then change the name of their product on a regular ( up to monthly ) basis. They then drop the rate on the old names of the savings product without any public disclosure or notice to impacted account holders. Their website makes no reference to their " bait-and-switch '' business model.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX capitalone sold my private information such as name dob, ssn, and banking info. Because of this hackers got into my account and made many fraudulent charges. Capital one advised me to close the account and open a new one so I did. My irs refund was programmed to direct deposit into the closed account. The stimulus money given out at the end of XXXX was set to deposit to the closed account. Capitalone informed me that the money would be rejected and returned to irs. Upon communicating with irs their records show capitalone accepted payment for stimulus funds and did not reject the payment. I have yet to receive my $ XXXX. 

In XXXX capitalone was brought to litigation and were suppose to inform their clients of such litigation they failed to notify me and payouts have already gone out. Ive attempted to resolve the issue with capitalone one but they said that I have missed the deadline and there is nothing that can be done other than offer me 3 years of credit repair services for free. 

Currently the state of Az is sending out a rebate to qualified applicants for XXXX in the amount of {$750.00}. The payments will be deposited into the account listed as payment for XXXX tax refund and as I stated before capitalone was suppose to have closed that account years ago. I still have not received my stimulus money or current Az rebate. 

Today I called capitalone to close my account and let them know my issues the representative stated she was going to help me but instead left me on hold then hung up on me. They are refusing to close my account or return my money to me. Or rectify the situation in regards to not notifying me about litigation.