davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (TX)

I opened my checking account on XX/XX/2023, and since then I have not received my debit card. When I opened I gave a mailing address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX different from my home address XXXX XXXX XXXX XXXX XXXX, TX XXXX. It looks like the mailing address wasnt added to my profile and thats why im still waiting for my debit card. 
I requested 3 times to update the mailing address on file trough the online banking on XX/XX/XXXX, XX/XX/XXXX without any answer. 
Please proceed how was instructed trough secure message on the online banking. And also send a new debit card and pin. 
Thanks
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-02
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. (PA)

EQUIFAX what'S UP. I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX XXXXXXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX XXXX XXXX and is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, I received correspondence from Bank of America regarding a fraudulent checking account opened in my name. I called and filed a fraud claim and went to local branch in XXXX, MD who advised the account was closed and they were going to investigate. In XX/XX/XXXX or XX/XX/XXXX, I received correspondence confirming the closure of account and I was not liable. In XXXX or XXXX of XXXX, I received correspondence and a debit card from Bank of America. I called and was placed on hold 2x and was expecting a call back and never did. I received notification from the Credit Bureau that Bank of America opened a checking account in my name in XX/XX/XXXX. Bank of America is reckless in their efforts in protecting consumers by having such lack security and safeguards. There's no way accounts should be able to be opened without identification and the fact its on record from XX/XX/XXXX that I have never had a account with Bank of America nor will ever have an sort of account with Bank of America. Bank of America needs to be held accountable for their inability to protect consumers when they have knowledge of prior fraud. This is absurd, time consuming and nerve-wrecking.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I lost my ID and credit card in XX/XX/2023. In XXXX, I have received notice about a number of attempts to open accounts in my name. XXXX XXXX and XXXX XXXX contacted me and I confirmed it was a fraudulent attempt. Capital One shows on my XXXX XXXX account and I did not request this.
Consumer complaint received 2021-03-13
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. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a dispute with XXXX requesting that an inquiry for a Bank of America credit card be removed off my credit report, per Title 15 U.S. Code 1681 ( b ), being that I do not have an open account with them. I was told to contact Bank of America and request that they send XXXX a letter of deletion. I proceeded to contact Bank of America via Customer Service. During two separate calls on two separate occasions with Bank of America customer service representatives, one from a call center in XXXX, Maine named XXXX XXXX ( XXXX ) on Wednesday XX/XX/XXXX, the other XXXX ( Last name not provided ) from a call center in XXXX, Arizona ( XXXX ) on Thursday XX/XX/XXXX, both Bank of America customer service representatives failed to disclose the recording of the phone call in a timely and adequate fashion. This is in direct violation of Title XXXX of The Omnibus Crime Control and Safe Streets Act of XXXX ( Wiretap Act ). The Electronic Communications Privacy Act of XXXX ( XXXX ) and Title XXXX U.S. Code 2511 requires that disclosure should occur immediately at the outset of a call while also making it illegal to eavesdrop/monitor or record confidential communication or cell phone conversations without the consent of all parties. Confidential communication can be defined as any communication carried on in circumstances as may reasonably indicate that any party to the communication desires it to be confined to the parties thereto. Then both of the Bank of America representatives proceeded to inform me that no such credit card application exist in their records which meant they could not produce the letter of deletion required by XXXX without there being an application tied to me ( or my social security number ). In the process of me trying to obtain the necessary information my rights under the XXXX and Title 15 U.S. Code 2511 were violated and I have an inquiry on my credit report for a credit card that Bank of America can not provide proof that I applied for. As a federally protected consumer I feel that this is an unfair act/deceptive practice.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I had an account with Synchrony Bank for a Care Credit and a Discount Tire Car Care account. I reviewed my credit report on XX/XX/2022 and Synchrony closed my Care Credit and Discount Tire account, stating I filed a bankruptcy. I did not file a bankruptcy. When I contacted them to find out where they are getting this information from, I was hung up on. They did not give me any recourse to fix this error and this is damaging my credit worthiness. I have a relative in my same household who filed, but he has a completely different social security number, so I am unsure how they are confusing this with me. My SSN ends in XXXX ( XXXX XXXX XXXX ) and the relative who filed for bankruptcy and the bankruptcy paperwork shows the last 4 of the social as XXXX ( XXXX XXXX XXXX ). Two separate people. They need to fix this.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (SC)

Asked the company to verify the debt : Make sure the debt belongs to me.

The company has not verbal or written communication proving this is my debt.

After reporting that the debt isn't mind the company closed the account and refused to provide more information Request a deletion explained to the company that I was involved in several data breaches and since this account is charged off it should be removed from my XXXX XXXX and XXXX reports
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance Wrongfully Repossession not disputed and returned Deferred payments offered then not made as active.COVID 19 loss of work. 

Second repo and sale Had paid 76 % of loan Truck had a positive equity of over half what was owed. 

Never credited back positive equity Claimed I still owed everything after sale. 

Ruined my credit. with no way to support my family. 

Tow driver breach of peace
Consumer complaint received 2022-10-24
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. (MA)

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 2023-08-12
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: Experian Information Solutions Inc. (FL)

I sent a letter about the late payment on my credit report and experian sent info saying it was verified. I didnt ask them to verify the info I asked them to remove the late payment based on consumer laws. I then sent a asking them to give full details of there investigation. and according to consumer law they have 12 day to respond. they recieved the letter askingfor the details on XX/XX/XXXX and they have 10 days to responed to with the details of their investigation.
Consumer complaint received 2017-11-27
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)

On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

On XX/XX/2024 I received a letter from National Credit Adjusters , LLC claiming I owed a debt and to respond within 30 days if I want to dispute said debt. I mailed them a validation letter XX/XX/2024 disputing said debt and to provide any documents proving the debt is mine. This company did not respond to my validation letter and now is reporting this debt on my credit report. This is inaccurate information being reported to my report and I'd like it removed.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (GA)

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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. (GA)

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX, EQUIFAX AND XXXX.
Consumer complaint received 2022-12-05
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CO)

Frontier Airlines delayed XXXX XXXX  or more on XX/XX/XXXX for the XXXX XXXX ( below ) flight, and they are not providing the refund while asserting falsely that I cancelled my flight. I indicated this matter to Barclays Credit Card, but they did not have a complete investigation but they are charging my credit account stading on the side of Frontier Airlines after providing me a temporary credit. Even though it was non-refundable ticket, the frontier airlines should have allowed a partial refund to my credit card or give a flight voucher to fly on the future fligh since it was their flight operation fault, not by weather or natural disaster. It was the return trip that they delayed for more than XXXX hours, and I already agreed to pay one-way trip. 

They also have this commitment to the passengers : Alternatively, if your flight is canceled or delayed in excess of XXXX hours, we'll provide you, upon request, a full refund of any unused portion of your ticket. 

FRONTIER SCHEDULE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Take-off XX/XX/XXXX, XXXX Landing XX/XX/XXXX, XXXX Flight duration XXXX XXXX XXXX XXXX  Confirmation Code : XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Passengers XXXX XXXX XXXX DEPARTING FLIGHT Flight Details Flight : XXXX Departure : XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  Arrival : XXXX, FL ( XXXX ) - XX/XX/XXXX XXXX XXXX {$190.00} Purchase Date : XX/XX/XXXX Payment : XXXX XXXX | Exp. Date : XX/XX/XXXX XXXX 'S CHARGES AFTER TEMPORARY CREDIT FRONTIER XX/XX/XXXX {$96.00} XXXX XXXX  Miles XXXX XX/XX/XXXX {$48.00} XXXX XXXX  XXXX
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (FL)

I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.
Consumer complaint received 2023-09-05
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
I am not liable for the debt associated with XXXXXXXX XXXX XXXX  Texas. I do not have a contract with XXXX XXXX XXXX XXXX, and they have not provided me with the original contract as requested. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

The collector, Medical Revenue Service is attempting to collect a debt from XXXX XXXX for the amount of {$1400.00}. I setup a payment plan with the hospital and paid on XX/XX/24, {$580.00} which was payment XXXX of XXXX. When I went into my account to check the status of the next payment, as to why it hadn't been pulled from my account yet, the hospital indicated that they canceled the remaining payments. When I checked my balance was {$0.00} on XX/XX/24. At this point, I assumed the hospital wrote of the remainder of the debt since I made a payment towards it. I never heard anything from any collector until XX/XX/XXXX. That's a significant amount of time that passed in which I assumed the debt was paid. I have disputed this with the collector and they furnished what they deem proof of the debt from the hospital, however, no one is mentioning my payment of {$580.00} that cleared my bank. Proof of the plan, proof of payment, proof of payment complete, account activity and the original bill are all attached.
Consumer complaint received 2023-01-04
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was informed by a collection company that I have a rent debt. referring to a house that I have never lived in this location. 
they sent me the contracts and the signature on this contract is not mine. this is a forgery. I have proof that I was living in another location.
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. Thank you.