davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had contacted Capital One for having a major medical injurt that delayed and changed the flight I needed. I sent over all supporting messages and the denied the claim. 

I sent them the original ticket, the new ticket, the doctors notes from the hospital I had to stay in for 2 days. 

They don't seem to care.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (CA)

My niece was XXXX  in a car accident on XXXX, XX/XX/XXXX. I received her personal possessions from the coroner this week, including her credit cards and realized no one had canceled her credit cards. I called American Express today with her card info to let them know of her death so that her card could not be used. I was transferred to the Deceased Person unit and provided the account number, her name and the last 4 digits of her SSN. My niece was XXXX. We did not live together. Our cards are not linked. Our finances have never been linked. I did not provide any PII other than my name. I did not tell them I had an American Express card. 

XXXX hours later, I received a text message that my card was suspended in XXXX XXXX. I rarely use this card so I thought it was odd. I went into my online account and there was a notification that my card was suspended and to call Customer Service. 

I called American Express Customer Service asking why my card was suspended. I was on hold for a very long time. While I was on hold, I received a text message that my American Express card had been restored to XXXX XXXX. The Customer Service came back and explained to me that indeed, my card had been suspended but that it had been restored as this was an error. When I asked what happened, they could not explain much. Essentially, the Deceased Person unit had accessed my card information, without permission and without my knowledge, and canceled my credit card. How is this possible? I have asked American Express to investigate this incredible breach of privacy as well as a grievous error.
Consumer complaint received 2023-09-04
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (CO)

I received a debt collection notice on XX/XX/XXXX for an old bank account dated back to XXXX. One I dont even recall having my bank account in a bad status when I closed the account and too how can they send me any notification saying I owe debt for XX/XX/XXXX ( over 16 years later ) I was told this is against the law and they cant do that.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

From XX/XX/2022 until XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated. 

Please see attached for more information. 

I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 
Thank you.
Consumer complaint received 2023-06-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

I have a checking account with Wells Fargo bank in XX/XX/XXXX, I discovered the somebody taking money from my account by XXXX transactions for any reason I dont know this person never in my life, dont know who is XXXX XXXX but he or she take {$800.00} and I was like 3 times into the bank and they dont want to help me, I really want to help me Im XXXX I have XXXX XXXX XXXX  Im not working and I need that money to pay the Mortgage bill, I will appreciate if you help me with this situation XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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: LEXISNEXIS (AZ)

XXXX XXXX XXXX and Lexis Nexis credit bureau have laced my Lexis Nexis report with several false entries and entries that are not authorized by me. 
1. This is NOT my XXXX driving record and obtaining new licenses. 
2. I never gave XXXX XXXX my authorization to run inquiries on me. 
XXXX. I never gave XXXX XXXX XXXX permission to run inquiries on me to commit their crimes against me. 
4. I do not own 2 XXXX 's currently insured by XXXX XXXX XXXX 

My old address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-11
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)

Fraudulent Accounts On Credit Report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crow Creek Sioux Tribe (GA)

I tried to payoff the loan early to save on interest. The website does not have a payment option. I tried calling customer service on several occasions and was always left waiting. The online chat mode would not let me make any additional payments. The amount of interest charged keeps accruing despite my attempts to pay the loan.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (ME)

I suffered a loss to my home on XX/XX/XXXX. XXXX. It burned down and left us without a place to live. 

I can not afford to rebuild due to not having enough insurance so I have to sell the property as is. 

US Bank received a check for {$150000.00} from XXXX XXXX on or about XX/XX/XXXX to apply to the loan as I was not able to rebuild. They have repeatedly failed to apply theses monies and continue to call and harass me about the past due balance. They are continuing to move forward with the foreclosure process even though they have this money. 

I have been trying unsuccessfully to sell this property since XXXX and US Bank will not send me the correct payoff documents. In fact, they have repeatedly sent the incorrect payoff documents which has held up this sale for nearly 4 months while I incur late charges and additional past due loan amounts. 

I am unable to work due to disability right now and don't have stable housing. I can not deal with this additional stress. 

I am making no money off of this sale and have to pay nearly {$21000.00} myself which I don't have. I can not afford an attorney to help me. I just need someone to assist me with this process. Thank you
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection items that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (TN)

On XX/XX/2023 ( National Credit Adjust LLC ) Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with XXXX XXXX XXXX XXXX This company is trying to collect on a charged off account! 

XXXX XXXX is also responsible for Selling this account to them after the charge off date.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XXXX  I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXXXXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. Equifax is reporting XXXX while XXXX and XXXX are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- Equifax is reporting the date of the last activity as XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- Equifax is reporting the date of the last payment as XX/XX/XXXX while XXXX and XXXX XXXX reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

Equifax is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Consumer complaint received 2023-09-02
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: Kikoff Inc. (NH)

I have disputed this twice now and have gotten the same result and the company is kickoff i dont even know or should say didnt know what the company even was until I XXXX  it. First off I never signed up or purchased anything from this site and the things they did purchase arent even anything I would buy in a million years nor would I take the time out of my extremely busy life to send disputes twice. Its a pain and the date they are saying I apparently purchased this was XX/XX/XXXX  and I never did. The same thing happened with my account at XXXX someone purchased items under my account and had auto shipping to them but that was cancelled I caught them before it landed anywhere else. I would like this taken off my credit report the last thing in need is another negative against my credit report considering Ive already got enough debt and my auto loan on my report and Im not going to take responsibility for someone elses scandalous selfish behavior.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
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 (MA)

On XX/XX/2023, XXXX XXXX paid his Capital One Venture card ending in XXXX. The payment is ordinary for his account, generally at the beginning of the month he pays his balance. The balance of {$1000.00} was paid in full and withdrawn from my associated bank account. 
On XX/XX/2023 XXXX XXXX attempted to use his card and was told that it is declined. To much chagrin, XXXX contacted Capital One where they aggressively indicated they can hold my account for 10 days to verify payment. I dont see how this is legally acceptable if my payment has cleared from my associated bank. Managers at capital one were aggressive and rude essentially questioning whether I had the money to make a payment. I have never been late on a payment for them and all of my payments come directly from the same associated bank account ( XXXX ). I have bills that rely on this account and I would not have made my payment 10 days early had I known i would not have access to any money
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (FL)

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX  not sure of alot of things. I dint know what to do until now can you please help me
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (PA)

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2023-09-08
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquires
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by 60 points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures TransUnion took the website would block me.