davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
Consumer complaint received 2022-11-22
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. (VA)

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. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION (PA)

I have not been able to log in to my Fulton Bank account for over a month. I have tried about 20 times. 

I try to log in with the SAME computer, SAME operating system, SAME user name, and SAME password as I have used previously to successfully log in. But it no longer works. 

I get a message " We are temporarily experiencing technical difficulties ; try again later. If the problem persists contact us at XXXX. ' ( See attached pdf for screenshot. ) I have phoned that number several times, most recently I spoke with XXXX on Wed XX/XX/2021. She connected me the technical department, where a recording said to leave my name and phone number and somebody would call me back within 3 days. It's been 7 days and I haven't heard anything.
Consumer complaint received 2023-07-15
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-30
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. (NJ)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-04-10
Product: Credit card or prepaid 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 (NY)

On XX/XX/22 I booked a XXXX ( lodging ) for a non-smoking room using my Capital One credit card. The initial charge was for {$1200.00} ( XXXX Booking XXXX XXXXXXXX ). When I arrived I discovered that the host only had smoking lodging, which was not what we booked/paid for. I did not stay due to health concerns and it not being what we contractually agreed on. The host was supposed to refund us fully but only processed a partial refund. 

I disputed the remaining amount of {$460.00} with Capital One due to this being a billing error by definition of the fair credit billing act re : goods not received as agreed on. XXXX communicated that this was a late cancellation ( it wasn't -- never cancelled, my lodging didn't exist ). Capital One denied my initial claim because " I already received a refund. '' They conducted no due diligence to find out it was only partially refunded and that I did not cancel anything. 

I continued to follow their procedures to dispute the charge with no success. Capital One, in another response, stated that I didn't provide requested information but when looking through their official correspondence there is no such request. I am now told I have tried to dispute it too many times and they will not investigate further. 

I followed all proper methods of disputing a charge for something I did not receive but Capital One refuses to assist. Capital One should refund the remaining amount of {$460.00} for goods not received pursuant to the Fair Credit Billing Act 's definition and requirements regarding billing errors.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.
Consumer complaint received 2024-04-04
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-22
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. (VA)

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. 
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 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 2017-05-18
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. (FL)

Transunion,   XXXX  , and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more than two years and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from TransUnion and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the   XXXX   from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

I have contacted XXXX XXXX numerous times to resolve this matter and they havent responded for XXXX XXXX to cover the claim they gave my birthday items to the wrong house when I told them to stop the package I was in XXXX celebrating they lost it and years later Im still having to handle this matter empty handed
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My credit card with Bank of America was set on auto pay and I never received any notice from Bank of America that my card was delinquent. After some investigation, it appears that this is a common problem where the Bank of America auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023 This delinquency is improper and should be removed from my report. After raising this with Bank of America, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

IQ Data international IN placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX  at the XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my right
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

In 2019 I settled debt with XXXX XXXX and XXXX my accounts with them ; I had XXXX and my husband had XXXX. Apparently, they decided to sale my debt to third party ( Midland Credit ) after settling my account with me. Now, Midland Credit is attempting to collect approx. {$500.00} from me when I have already paid the money to the original creditor! I am no longer responsible for this debt!! I have proof that I paid it and I will not pay one more cent.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (PA)

Affirm Inc XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Account Number : XXXX Account Number : XXXX 15 usc 192c ( c ) That law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX debt ( {$1900.00} ) was deleted by XXXX and I've attached the the deletion verification. I have been trying to get Experian to also delete this XXXX debt which was covered by insurance. This is a XXXX debt for a XXXXy which was 100 % covered by the Affordable Health Care ACT. Not sure why XXXX was able to delete the debt but Experian is not deleting the medical debt.
Consumer complaint received 2023-10-15
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. (CA)

I am writing to dispute several hard inquiries that have appeared on my credit report, specifically the inquiries made by the following institutions on the respective dates : XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX. XXXX XX/XX/XXXX I believe these inquiries are the result of identity theft and are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), credit reporting bureaus must remove inaccurate or incomplete information from your credit report within 30 days of receiving a dispute. The FCRA also prohibits credit reporting bureaus from reporting information that is the result of identity theft. 

I have attached an identity theft report that I filed with the Federal Trade Commission on XX/XX/XXXX. This report provides evidence that my identity was stolen and that the unauthorized inquiries on my credit report are a result of that identity theft. 

I request that you investigate these matters promptly and remove the unauthorized hard inquiries from my credit report. If you fail to do so, I will be forced to take further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Please send me a written response detailing the results of your investigation within 30 days for each of the inquiries listed. If any of the inquiries are found to be inaccurate or a result of identity theft, I expect them to be removed from my credit report within 30 days of your investigation. 

Thank you for your prompt attention to these matters.
Consumer complaint received 2018-04-11
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. (NY)

this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX  Contact Address XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment HistoryXX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.