davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-10-08
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. (NJ)

Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to Experian and XXXX   who refuse to remove this account.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AK)

My father was scammed. I am a authorized signer on his business account. I contacted Wells Fargo to reverse the scam transactions. I received a horrible run around and phone calls not returned or followed up with me.
Consumer complaint received 2024-03-21
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. (HI)

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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Had XXXX XXXX installed around XX/XX/. Canceled the service and canceled the autopay on Tuesday XX/XX/. My bank allowed this transaction and on Tuesday XX/XX/XXXX, {$480.00} was stolen from my checking account my XXXX. The service and auto pay was cancelled 30 days before. Why do I have the option to STOP a payment, if my bank is going to allow it to pay? I disputed the charges, not sure why the bank felt I was responsible, and have not spoken to the fraud department til this day??
Consumer complaint received 2021-01-07
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: Eastern Account Systems of Connecticut, Inc. (CT)

I mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I became aware that Chase reported me late on a credit card i had with them. They reported me late XXXX dats on XXXX and 90 days in XXXX. I went to their branch and explaiend that this credit card was closed and reported lsot before it was closed. I clsoed this credit acard and paid the remainign balance in full, there was no remainder balance left. After relaizing they reported me late and beiung told the charges that posted after my account was paid in full and I had nop acess to the credit card were from XXXX I told them I did not make such acharges and that they were fraudulent. I was told at the branch that the charges would be reversed and the credit reporting corrected. After this I was reported again late afte numerous calls to the fraud department I ahve not gotten any type of resolution tot his issue. My credit is now damged because of Chase invalid reporting on fraudulent charges. I need this resoleved and the late payemtns removed. 
the account number for the card was # XXXX XXXX XXXX XXXX. 

I really hope this office can cotnact Chase and get them to do what I ahev n't been able to do. Please have somoine from your office contact me as well. 

Regards, XXXX XXXX
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

BEWARE of banking with BBVA Compass!!! Inefficient processes and lack of follow through by staff leads to poor service and financial harm. To whom it may concern, it is with great frustration and disappointment that I bring this complaint to you regarding unfair treatment, inefficient policies that have caused financial harm to me by BBVA Compass. Due to incompetencies in their systems and operations, my financial credit has been hurt by their unfair report to the credit bureaus. 

Prior to this incident, I have been a faithful customer at BBVA Compass for over 3 years and have multiple business lines with them. On XX/XX/2019, I met with representative at the BBVA Compass branch on XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX branch to take out a business loan for a purchase. He recommended a combination of products in other to get to the amount needed. During the loan application, I asked XXXX to help me setup all the loans on auto draft so that all the payments due would be drafted from a business checking account I have with them. 

The problems started several weeks later when I found out the payments had not been setup on auto draft as requested and I was getting charged late fees. I had a business checking account with BBVA where I wanted the funds to be drafted from and the account had enough to cover all the payments. I reached out over 6 times, went into three different branches, met with a branch manager and no one could figure out how to setup the payments from this particular loan. 

Finally I was able to meet with a business banker who was able to help me resolve the payment issues. However by this point, the damage was done. BBVA Compass had reported deliquencies to the credit bureaus damaging my credit even though I had accounts with them with enough balance to cover the payment and I had made many attempts to make the payment. I was also charged several late fees and I was able able to get a refund on some of the late fees. However my credit has been tainted. 

I've been to two branches to discuss how to resolve the issue with the credit report. I was supposed to have a branch manager and then client care follow up with me and its been over a week and no call from either party.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (NC)

XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response
Consumer complaint received 2021-01-07
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: William D. Meeker Enterprises, Inc. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, CIC CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2024, our credit card was fraudulently used through Capital One. We had a hack on our websites and email addresses where someone used our credit card. Our XXXX XXXX access all of our social media account emails and caused major problems. Capital one was helpful in the fraudulent charges, but refused to support us with our shopping rewards that were fraudulently spent. Somebody purchased gift cards to XXXX and another restaurant in {$100.00} increments. Trying to get reversed or support XXXX told us theres nothing they can do. Its in their terms of service. I asked If they would send me a phone number so I could speak with someone in person they said they did not have a phone number and they only do email. When I asked for more support, they stopped emailing. Whenever I would email, they would respond with an empty email and wed have to try again.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (CA)

The XXXX XXXX ATM did not charge me a fee according to the XXXX XXXX ATM operator. I had entered XXXX dollars then the ATM did not allow me to get XXXX dollars out. The ATM only withdrew XXXX dollars. The card issuer charged me a fee because the machine was not working properly. I had entered the correct pin number. The machine declined to withdraw second time even though i entered the correct pin number. The card issuer representative stated the automated system charged the fee. They do not have a way to reverse that. I do not think its fair for a ATM not working properly from the money pass automated teller machine that the card issuer charges decline fees. According to the bank regulators that fees for non sufficient funds and not working properly equipment is not suppose to charge fees. It is not legal for fees to be charged. It is not fair and that it is a rip-off for a bank to charge a fee for not being able to get cash out from an ATM that is not properly working. I should have been able to receive a full refund. I had no control on the way the ATM had reacted with the money decline. If the ATM was going to charge a fee it should had canceled the transaction instead of declining. I do not think the card issuer is fair. They should have the option to cancel the card before it charges a declining fee if the ATM had issues and or is not working or going to decline because it does not accept the transaction. The card issuer should allow the card to cancel the transaction rather than charging declining fees. When ATM do not work properly canceling the transaction would had avoided the fee if the ATM had automatically canceled the transaction and returned the card right away. 
ATM Decline Fee XX/XX/year> XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (TX)

My families personal information along with my own was stored on databases/servers through websites using XXXX XXXX XXXX XXXX XXXX XXXX and other developer software/programs that tamper with the firmware. My devices were tampered with through my XXXX XXXX  that was connected to a device that stored other devices, which revealed unknown IP addresses that I reported to the FBI XXXX website. There were multiple websites and IP addresses that were stored on my devices ( XXXX computers, XXXX cell phones ( XXXX XXXX, a XXXX and a XXXX ), a XXXX XXXX ( connected to a XXXX server ) and tampered XXXX that show an XXXX device and XXXX XXXX running in the background even though I don't have that installed ) and I also found the same websites on my grandmothers XXXX and my nephews XXXX. Whenever a new device connects to the WiFi certain apps are tampered with. I have XXXX XXXX, whenever I make a call, it either drops, redirects somewhere else and/or shows a different caller id. When I log into accounts that have my social security number, bank accounts, password, e-mails, cell phone numbers and other personal information the apps or website would reformat or alter itself entirely. I found recurring XXXX XXXX XXXX XXXX XXXX that were made for stealing personal information and storing the data on databases/servers and I'm still dealing with it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX and XXXX accounts are still tampered with and they're connected to other applications that are also being tampered with.
Consumer complaint received 2023-02-10
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 received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-03-25
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I have been at my wits end with this identity theft in the worst fashion of anything i have ever experienced in my whole life XX/XX/2023 I was given my injury work comp settlement for approval of XXXX. Since before that I have been having issues with XXXX every month. My identity was stolen, my devices that should of been turned in to XXXX werent logged into their system in XXXX and someone somehow mirrored my devices and even my location to act to take over my newly acquired XXXX, my company XXXX where I am a sole proprietor. They would even dupe transactions and use cash app ( where I was investing In the stock market for the first time ) where I was being charged double, Triple and even signed up to things I never signed up for! The hackers are able to even spoof my ip, location, devices and make it seem like its actually coming from me! It feels way beyond my grasp of concept and my credit went from almost XXXX to a XXXX in less than a day! Ive been complaining and schools first credit union now says its too old to despute one major one was a balance of a XXXX in my account where I closed one checking to open a new one where they credited me my remaining funds than took it right back but the money disappeared! This has happened to the majority of my funds, atm withdrawals duped where yes some of which were mine but somehow the people behind it are using a technology far more advanced than any Ive seen before.. I know have people following me, Im literally scared, not knowing what these people are doing in my name. Even feels like they want to frame me for something or set me up because I am an inventor and came up with a invention to help stop human trafficking. Maybe not the most popular business plan, and another an electricity to run without plugging in to any plugs.. cars, phones, houses, you name it. They have taken everything and I can barely make my car payment. I feel now they even are responsible for me missing important court dates, altering my business plans, sabotaging my resumes, partners, stocks, my insurance, even my car! Somehow they are able to remotely access my car without having my key faub, they are tracking me, intercepting everything and anything I try to do! They make me feel so powerless in my life like its not mine to even live anymore. I am only alive now because I followed XXXX XXXX  on many occasions somehow I am reluctant to be alive. I do plan on exposing the companies who are involved and who turn a blind eye to criminal activity. XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I need help I have recordings and all XXXX, XXXX admins are taking over my whole lifestyle.