davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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 (NC)

I've been a Capital One Customer for over 15 years. We had a charge for {$55.00} at a restaurant that we disputed. The restaurant had tried to run our credit card and it kept getting a message to call for an authorization code. Instead of going through the process for the authorization code ( which we didn't understand ) we paid cash for our meal. The charge then appeared on our credit card statement. I called to dispute the charge. They reversed the charge and said they would investigate. I called the restaurant and they said they remembered us being there and paying cash. They told me that they would not dispute the reversal of the charge. Capital One denied our dispute because we didn't have a receipt even though I told them when I called that I didn't keep a receipt. Who keeps receipts for restaurant meals?!?! I explained to Capital One that the restaurant would not dispute the charge reversal. They don't seem to care and are still charging me for the {$55.00} charge. I can afford the {$55.00}. It is really not about the amount. It is the principle of it. We paid cash. The restaurant agrees but Capital One doesn't seem to care. It's pretty disappointing.
Consumer complaint received 2021-01-06
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. (AL)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-12-10
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Credit Services Inc. (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-12-10
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX 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
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ADP Inc. (CA)

ADP is a payroll service company. They mistakenly overpaid my company 's State of California tax account ( with no discussion and no approval from me ), then demanded immediate reimbursement. I told them would in good faith reimburse them if and when I receive a refund from XXXX which hasn't happened yet. After XXXX months of no contact from them ( I assumed they were waiting like I was for the state of CA to send the refund ), I received a call from XXXX XXXX XXXX attempting to collect approximately {$7300.00} and threatened to damage my company 's perfect credit history. It's important to emphasize that I had no participation in ADP 's decision to make a payment to my tax account and only learned of it when I received a phone call from their collections department.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-12-10
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. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-10-28
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. (MO)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-11-24
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. (OH)

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$620.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022,
Consumer complaint received 2023-04-12
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. (GA)

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. (FL)

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. 

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 2022-11-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, thank you to make the time to read my message. I had a fraudulent withdrawal incident with my Bank of America pre-paid account this week, XX/XX/2022. The location : BoA atm in XXXX  XXXX, CA. The amount is {$800.00}. Immediately I contacted customer service and submitted a claim. I have the confirmation number. I was told that will take 60 - 90 days to investigate. Ridiculous, I explained that I'm in need of the payment immediately. I have to purchase groceries for my family, and gas for my car to look for work.
Consumer complaint received 2021-01-06
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-12-09
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. (NY)

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : Experian From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TX)

HI 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 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1.XXXX  XXXX # XXXX 2. XXXX XXXX # XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2023-06-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

i was trying to buy a new house and i realized that there was Accounts on my report that i never signed up for so i got on the ftc website and followed their directions to get those accounts removed but the credit bureaus just disregarded my disputes. this is a complaint coming from me the person not a third party company.
Consumer complaint received 2022-12-09
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. (MD)

In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (NY)

I purchased my vehicle brand new in New York State had a loan with Flagship Credit Acceptance. I chose gap insurance at the time of purchase. My vehicle was in a total loss accident XX/XX/2020. My insurance company issued payment to them for {$10000.00} which would leave me responsible for the remainder of the loan of {$5800.00}. The company is saying I do not have gap insurance. I have a copy of my original signed contract by me and the dealership with the box clearly checked for gap insurance, my dealer does as well. According to my dealer in New York State it is included in your contract with your loan from your finance institution if you opt for gap insurance. Both myself and my dealership have contacted XXXX numerous times. There is either nobody available in the insurance department or we get XXXX in the loan department who basically said just dont pay the remainder of the loan because Flagship really never goes after people legally for the balance owed!! When asked about my credit report he couldnt guarantee that it wouldnt be affected. I am getting nowhere with this company and they are breaking the law holding me accountable for a balance on a loan I have gap insurance on. I cant seem to get anyone who knows anything about gap insurance in New York State.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I have inaccurate information on my credit reports. I have tried to resolve this issue with no success. I'm asking the CFPB to please open an investigation as to why I have numerous addresses and names when there should be only what is on my Driver 's License! I have submitted a copy of my driver 's license which provides the only address and name that should be stated on my credit reports.
Consumer complaint received 2022-12-09
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. (NC)

XXXX has reported 5 accounts 150 days late on my Transunion report. I have reported the accounts false and disputed them. Transunion has said that the account has been verified with the account having several pieces of inaccurate information. They have not verified anything with the accounts. This violates the laws with the Fair Credit Reporting Act. Transunion can not verify these accounts and they must be removed.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote a check addressed to a person. Bank of America let someone with a completely different name endorse and cash the check. The name used to endorse and cash the check in no way resembled who the check was addressed to. I filed a claim with the Bank XXXX Bank of America ), and despite the fact that the error was clearly the bank allowing a fraudulent person to endorse and cash the check, they made me go to a notary to attest I didn't have anything to do with the fraud. I submitted this, and they still haven't done anything. They have not followed up, and have been non-responsive. I have a physical letter from them with a claim number, but nothing is updated on my bank statement or web portal, they are clearly trying to make it exceedingly difficult to get this process resolved. 
The Law states that banks are solely responsible for enabling other people to cash checks that are not made out to them or endorsed by the payee. Bank of America is clearly trying to make the process exceedingly difficult so as to avoid having to pay.