davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have attempted to make credit card payments on the due date ( s ), in this particular case, XX/XX/2022. Each time a payment is made on the due date AND before the cut-off time, a system error occurs... I then immediately notify Capital One Credit Card Svc of the issue, the payment shows it was processed and received on the due date but doesn't post to my account until the next business day, causing a late day/late payment fee. Capital One has waived the late fees, but it still shows as LATE PAYMENT on my credit report. This needs to be corrected, as I have asked Capital One, but no update/correction to my credit report has been made.
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: Experian Information Solutions Inc. (MN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/2023.
Consumer complaint received 2023-07-15
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00}
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-05
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. (NV)

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XXXX  give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-07-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX I tried to access my account online but it said too many attempts and account was locked I called customer service and eventually they got me to the fraud area XXXX. The rep told me my account had been compromised and that they would need to issue new account numbers. This would take 3-5 days and I would not have access to my funds. 

I told the rep that I needed access to my funds to pay bills and provide lunch money to my kids. 

XXXX received an email stating my old capital one accounts have been closed. I called back in hopes of my funds being available. Rep and manager XXXX told me still not available and they would not expedite Please help me resolve access to my funds. Need to buy food and give my kids lunch money
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (GA)

We received a notice in the mail stating our property is located in a flood zone and that we are required to purchase flood insurance, and that a flood insurance plan has already been purchased on our behalf by the mortgage company, and we are expected to pay them for it unless we replace it with another policy. According to XXXX, the state of Georgia, and the city in which we reside ( XXXX ) our property does not lie in a flood zone. We have reported this information to the mortgage company, and they have stated that according to their system our property does lie in a flood zone. We have already emailed them proof from the flood zone map on FEMAs website. We do not appreciate their attempt at insurance fraud.
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. (GA)

Equifax- XXXX and XXXX are providing information and have stolen my identity. I have asked them to stop reporting the Social Security Number as it is stated that if you are not a federal employee the social should not be provided and companies are providing the social and reporting inaccurate information as previously started my identity has been stolen and being used without my consent. The information on the report that they are saying is mines is inaccurate and if it is mines as they say it is I have the right to say what is there and not there. I have requested the attached information be removed and all HARD AND SOFT inquires be deleted and blocked and no inquiry should no longer be placed on the report. I am opting out of any further reporting unless I put it in writing that I want it to be placed in the public and or the private. I have full faith in credit and am not being afforded this due to my identity being misused. I am XXXX XXXX XXXX and I want all late payments - cars - Collections and all derogatory information removed and blocked within 3 days and I have sent this information 3 times and you still have it listed with all 3 companies who are misrepresenting themselves as Federal Government requesting the Social also they are all not giving full disclosure letting me know I can opt out- THEY ALSO HAVE A SECURITY FREEZE AND BLOCK ON THE ACCOUNT SO WHWN I CALL IN OR XXXX ONLINE I CANT GET ANY INFORMATION I WOULD LIKE THIS TAKEN OFF IMMEDIATELY They are using the report and my likeness for monetary gain then asking me to pay a monthly fee for them to monitor it when I never gave them authorization to do any of this and or collect information and or furnish data related to me. The FTC REPORT is once again attached and I have fully explained and let the SEC- FTC and CFPB IRS know that these 3 credit reporting agencies are gaining financially off of my Full faith in credit by stealing my identity and reporting inaccurate information.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have two inquiries reporting on my credit report that should not be on my credit report. One is a fraudulent inquiry that I have disputed and it still is reported on my report this should be deleted ASAP. The inquiry is XXXX  XXXX XXXX XX/XX/XXXX. And the second inquiry is over two years old and should be removed off my credit report this inquiry is XXXX XXXX XX/XX/XXXX. This inquiries need to be removed off my credit report immediately. 

My name is XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ga XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Some opened an online account with Bank of America twice in XX/XX/2022. Both times I was told the accounts were closed. I received a credit card in the mail yesterday for being a " valued member ''. I did not authorize this and I do not have an account. Bank of America has given me nothing but the runaround since this fraudulent activity has taken place. They have yet to resolve anything.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (TX)

I am accusing US Bank customer XXXX XXXX XXXX being involved with fraud. US Bank has done nothing except give me the run around every time I call to try and get my money back. This money will fraudulently transferred to XXXX and I want all of it back. US Bank has done nothing to resolve my issue and hiding behind the fact I am not their customer when they can clearly see the transactions took place and I have provided them all the evidence showing them that their customer is involved with fraud. Now the government knows you will do nothing when someone has proof of your customer engaging in fraud. I am asking you ( US Bank ) to do the right thing and return all the money your customer was involved in stealing from me. 

I am writing to file a formal complaint regarding 5 fraudulent and unauthorized transfers from my bank account to US Bank account holder XXXX XXXX XXXX. These fraudulent transfers totaled {$150000.00}. All 5 fraudulent transactions were sent to XXXX XXXX XXXX account at US Bank ( Routing # XXXX Acct # XXXX ) and occurred on : XX/XX/2021 - {$18000.00} XX/XX/2021 - {$18000.00} XX/XX/2021 - {$56000.00} XXXX {$50000.00} XX/XX/2021 {$15000.00} This unauthorized and fraudulent activity has created a massive financial hardship and distress to both my family and myself. Enclosed in this complaint is a copy of the XXXX Report, FBI Report, XXXX Police Report, & the FTC Report which verify my claims. I am requesting a full refund plus applicable interest from US Bank due to this fraud. Names and account numbers will be furnished upon request. All of these transactions were unauthorized by XXXX XXXX. The transactions are as follows : XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$56000.00} From XXXX XXXX # XXXX to US Bank # XXXX XXXX {$50000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX XX/XX/2021 {$15000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX Supporting documentation for each transaction to US Bank can be provided upon request. Again, I am requesting all money be returned to me plus interest due to fraud.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank Of AMERICA two times during the last three weeks. I asked them to close my spirit credit card account because they had charged me an annual fee of {$79.00}. They agreed and told me that it will be closed and the {$79.00} refunded back. Also, each time I called, I was on the phone for about half an hour, including the hold time, however, my account is still open and the {$79.00} is still there. I am tired of wasting my time calling them.
Consumer complaint received 2020-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

Online harassment concerning loans. Question whether the loans are mine or applied for in my name by ex husband. Identity theft. Tried disputing with credit company but unable to. Loans are controlled by XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I pulled a copy of my XXXX consumer report and noticed that Capital one is reporting a late payment dating XX/XX/. According to 15 USC 1681 ( 2 ) ( a ) ( i ) transactions are to be excluded from the consumer report but they are being reported as a late payment. This is inhibiting my ability to get lines of credit, inhibiting my ability to open merchant accounts for my online business, its inhibiting the ability to get houses and cars to live. Today, XX/XX/XXXX after several previous attempts to get the payment removed, however capital one is reluctant to remove the late payment despite being put on notice that it is a violation of consumer law. I have XXXX kids and it is making it hard for us to survive day by day. I kindly request that this late late payment gets reversed and the status shows on time.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023 I deposited my school check and when it came available on XX/XX/2023 I tried to transfer the funds out and they stop my transfer and closed my account. They told me I couldnt get my funds unless I verify myself even if they closed my account. I just want them to send my funds in a check since they close my account for no reason. So they also said they will keep my funds even with my account being closed.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to PENTAGON FEDERAL CR UN. In my credit report from XXXX XXXX XXXX, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc. (MO)

This company stated that they sent me a letter stating I owed this debt. Once again I didn't receive anything in the mail from this company there for I was not able to dispute this debt. My mail box is broken and I asked my apartment complex to fix it and they still have not. I don't know what happened to the letter they said they sent. I was not giving a chance to dispute before this was sent to the credit bureaus. This needs to be removed. I was not giving notice. I will file a complaint with the states attorney general office if this not rectified.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hampton & Hampton Collections LLC (FL)

There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Consumer complaint received 2023-08-18
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. (TX)

My name is XXXX 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 2023-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I hope this letter finds you well. I am writing to formally file a complaint regarding an issue I have been facing with XXXX XXXX XXXX XXXX, a business with which I have a registered account. I have attached supporting documentation, including screenshots, to provide a clear overview of the situation. 

Wise deactivated my business account without prior notice or a valid explanation, and as a result, I am unable to access the funds currently held in the account. Despite several attempts to resolve this matter directly with the company, I have encountered significant challenges.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
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: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (FL)

I have sent 4 separate messages via email and through the contact us section of the Companys website. The emails were dated XX/XX/XXXX and XX/XX/XXXX. I attached a copy of my debt resolution agreement that I am enrolled in and specifically revoked their ACH access and debit card access. I cancelled the debit card so the first time the debit was declined. 
They attempted a XXXX debit as an ACH and it was paid. This was days after my repeated messages which were not acknowledged, by the way. They are in violation of my rights as a consumer.