davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, Please completely remove me as authorized user from the Capital One credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NV)

I found my Marcus by Goldman Sachs account was locked on XX/XX/year>. I called Customer Service immediately and was told they would contact me in XXXX hours. I had never received the call. 
I called back after XXXX houses and was told it would take XXXX to XXXX days to resolve. 
I called back on XX/XX/year>, and they told me I needed to change my cell phone caller ID because, due to the family plan, it did not show my name instead of my wife 's name. They also told me I needed to do an Affidavit of Identity by mail. They could not email me a copy. 
On XX/XX/year>, I finally received the Affidavit of Identity. I filled it out and had it notarized as required. Mailed it back on XX/XX/year>. 
At this point, XX/XX/year>, the account is still locked. I did everything they asked me to do, and I still do not know when I will have access to my account and my money.
Consumer complaint received 2023-10-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, Please completely remove me as authorized user from the Bank of America credit card attached. 

Please completely remove this XXXX  from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Consumer complaint received 2016-01-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I sent my XXXX XXXX homeowners ' association payment to the designated XXXX XXXX that was represented to be that of Union Bank. My check was cashed by someone, though Union Bank and my property management company, XXXX, claim they did not receive it. My property management company then sent me a statement trying to charge me late fees for a payment that I had made. In addition, after complaining about Union Bank 's mismanagement of my XXXX XXXX payment, it then mishandled my XXXX XXXX payment that I sent to the same XXXX XXXX by not cashing it, running the risk that I would be charged a late fee due to no fault of my own. Originally, XXXX identified XXXX XXXX as the Union Bank representative assigned to this matter. XXXX was silent from XXXX XXXX to XXXX XXXX as I asked her about how Union Bank 's processes could have allowed XXXX my payments to be mishandled and to find out information about the status of my XXXX payment. I am fearful that XXXX was intentionally refusing to provide me information about my XXXX payment in retaliation to my complaints about Union Bank in order to trigger the imposition of a late fee on me. 

Then, on XXXX XXXX, XXXX, XXXX XXXX from Union Bank 's Office of the President was assigned to this matter. XXXX said he was troubled by XXXX non responsiveness, expressed that he did not believe Union Bank had exhibited itself in the manner that it seeks to hold itself out as a Bank, and he pledged he would address my concerns. He did no such thing in the days that followed. He refused to provide me with the name of the security company that transports checks from the XXXX XXXX to Union Bank 's facility that may have been responsible for stealing my check, claiming that the information was " proprietary, '' although Union Bank has contradictorily claimed through XXXX that it has no control over the security company. He told me that only a " general research '' investigation was done to determine whether someone at Union Bank or its unnamed security company may have taken my check and cashed it. And it took Union Bank nearly 2 weeks to fill out its portion of a fraud statement ( which required only a signature ) so that I could submit to my Bank in order to facilitate my Bank 's investigation of this. 

I am deeply concerned with Union Bank 's processes that have resulted in XXXX of my payments to be mishandled in different ways. I am also deeply concerned with Union Bank 's apparent lack of concern that a federal offense may have occurred on its watch, and its attempts at trying to evade accountability by passing off responsibility for handling the checks to a security company, and then refusing to provide the identity of that security company. Union Bank 's conduct and attitude in this matter makes me fearful that Union Bank will allow its flawed processes to continue uncorrected, which will allow more federal offenses to happen under its watch.
Consumer complaint received 2022-12-16
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. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

HI 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 UNDE

R 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 A LSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (WA)

On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account. 

The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well. 

So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I  can know what is going on and do next thing. 

The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX. 

So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations. 

Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed. 
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.

I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt. 

At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.
Consumer complaint received 2024-04-04
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. (TN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CA)

This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (VA)

Account was compromised and have been a victim of fraud one of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

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 2023-02-23
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. (MA)

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error
Consumer complaint received 2024-04-03
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. (KY)

Equifax is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX account number # XXXX was received from IRS. Equifax is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NC)

Date account was opened- XXXX / Date debt was reported XXXX Date account was closed XXXX amount due : {$2000.00}. 
Barclays bank has reported this information on my credit report as an unpaid balance but I am only listed as an authorized user- when calling and asking to be removed they informed me that they only was to be removed to write a letter and mail it to them.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance {$670.00}
Consumer complaint received 2022-11-16
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-09-05
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-04-03
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. (NY)

Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with XXXX. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : XXXX XXXXoan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-09-28
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. (VA)

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have a 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 XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have recently discovered a fradulent credit card account that has been opened without my consent.hThis account is a result of identity theft. I have never initiated nor autorized the opening of this credit card accoount. Furthermore I have several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I request removal of this fraudulent information from my report.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION ()

I am XXXX XXXX XXXX. 
I filed a complaint number XXXX on XX/XX/XXXX. 
PenFed replied on the XX/XX/XXXX. 
But as of today XX/XX/XXXX, I have not received the money from my account, as the communication received ( attached ) states they have processed. 
I am an XXXX XXXX XXXX XXXX veteran living in XXXX and I have a serious need of this money due to the severe increase in the cost of living. 
Please try to help me because both my wife and I have XXXX and we really need this money. 
Thank you.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX