davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (NC)

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 U S DEPT OF EDXXXX  # XXXX U S DEPT OF XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. The credit bureaus stated that they investigated, but how is possible that the open and close date and the last payment date is inaccurate this is grounds for removal. They also violated my rights under : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Also, the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have attempted to resolve this matter with these credit reporting agencies for the past 4 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with XXXX XXXX XXXX dollars posted as major derogatory. 

I had placed a freeze with all XXXX XXXXr credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX ) besides Capital One and XXXX XXXX  ( XXXX  ) removed the fraudulent accounts from my credit reports. 

Capital One : I contacted them over the phone on XXXX XXXX, XXXX, Saturday, about a fraudulent account with about {$13000.00} outstanding, requesting to remove it from my credit history and then never heard from them. I called back on XX/XX/XXXX, and after an hour of back-and-forth with XXXX representatives, the fraud department representative told me that my case was investigated, found to be non-fraudulent and closed on XXXX XXXX, XXXX after one business day. I didn't receive any communication from Capital One. I reopened the case by providing the details of the police report that I have filed. My case number with Capital One if XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX months later, XXXX, along with Capital One, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 2024-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2022-10-25
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)

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my XXXX XXXX decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via TransUnion and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem TransUnion adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by TransUnion to complete investigation without changes to my credit score.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CO)

they call from ( XXXX ) XXXX They are a debt collector at Synchrony Bank. I have called them and even started payments on my debt. They previously were calling my personal line XXXX, which is acceptable. I got a work line a few months ago, XXXX, and they have now shifted to calling it almost daily if not XXXX, I never gave them this line yet they somehow have it on record, I have asked them to remove this number from their records and call my personal line, but when I call them they claim they do not even make outgoing calls and refuse to disclose what number they have on file, or alter their records. They refuse to give me any explanation as to why or how they have this business line.
Consumer complaint received 2022-10-25
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. (TX)

Hard inquiries XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM Bus Admin - XX/XX/XXXX
Consumer complaint received 2023-09-27
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. (OH)

Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to XXXX car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX i am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only XXXX inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.
Consumer complaint received 2023-07-18
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. (IL)

I have had " XXXX XXXX XXXX  XXXX '' run inquires on credit reports without my consent. I asked them to please stop. They are constantly pulling my credit report. 

My name is XXXX XXXX, I'm not sure why its showing XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (AZ)

I received a letter from XXXX XXXX XXXX saying they received the debt from Jefferson Capital on behalf of XXXX. They are saying they will take legal as in sue me if I dont pay the debt when I have asked for verification documents of the debt because I do not remember ever taking out a loan with opportun.
Consumer complaint received 2024-04-09
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 (MA)

XXXX Years ago a joint checking and savings account was opened between my wife and I and at the time it included a reserve credit. Late in XXXX we were notified via email, I believe, that the account would be closed. I called to see what this was in relation to and was told due to inactivity it would be closed. If I wanted it to remain open I could simply transfer {$25.00} dollars into checking account. I did this over the phone with the rep online. Since then, in my error, I did not payback the {$25.00}. I have several Bank of America accounts and all have been paid timely. This payment was a complete oversight. I was never alerted, contacted or made aware of the late payment that was due but anyone taking a look at my account would be alerted that all other accounts were in good standing and clearly this payment of $ XXXX was just missed. 

After the XXXX Days this account was closed and written off ( Around XX/XX/XXXX ). Never any information from Bank of America regarding this. No alerts, no paper mail and no Email notifications. Junk mail was also scanned while on the phone with a rep at XXXX point and none of them ever made it to an inbox. 

In fact the only reason I was even alerted of this was because I was denied a loan and found that BOA had reported late payments and a write off. Within days the outstanding {$27.00} ( $ XXXX ) was paid and am awaiting this to make credit reporting. Credit score always over XXXX was now down near XXXX but recent late payments were flagged on the account. 

Reached out to Bank of America to see if they could assist and was met XXXX a very friendly rep who assured me that this could be fixed. Shortly after that first phone call the reps that contacted me were less helpful, accusatory and stating that this was my error and Bank of America did what they had to do and this was my problem. My credit impacted for 7 years over a simple {$25.00} error. There were several calls into BOA and no resolution was ever offered. The account is paid off with interest and it is very clear to anyone looking that this was an error and not avoidance of a payment. 

However, Bank Of America refused to assist on my behalf ( customer with multiple accounts for over 20 years ) with any remedy. No understanding, no explanation of any part, This was our fault and Bank of America could and would not assist. When asked about guardrails or alerts it was never answered and the finger was always pointed back in our direction. 

This mistake was our oversight and understand that we missed this payment for months but it was simply a mistake and an error. A mistake that has been remedied but the damage to credit score is done and I find it very hard to believe that Bank of America on its customers behalf can not offer a single solution to improving this situation.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

Hello, I booked a flight in XX/XX/2020 for a trip using XXXX Chase Ultimate Rewards points and {$11.00} in cash for a trip to XXXX on XXXX XXXX departing XXXX XXXX, 2020. On XXXX XXXX, 2020, the airline cancelled 3 legs of the flight. I immediately contacted Chase for a full refund since the airline cancelled my flight. After more than 3 months of back and forth Chase is denying me a refund of my Ultimate Rewards points and cash, instead offering me travel credit with the airline ( which I never requested and don't want ). Since the airline cancelled the flights, not me, and because it's departing from within the US, the Department of Transportation states that I'm entitled to a full refund in my original payment form. I've explained this to Chase and they refuse, saying that the airline doesn't want to give me my refund. I've also filed a complaint with the Dept. of Transportation, however I'm hoping you can help resolve this issue for me with Chase directly. I paid for a service in cash and points and that service was never provided because of the airline. I've attached documentation of all this. Thank you for your help!
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (NY)

I have some inquiries on my report I did not authorized. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am very sad and dissatisfied at capital one because I have work very hard to become current with all my 3 credit cards with capital one I have done payment for he past 3 months and this people decided to restrict my account now one is already back to normal but I was charge an annual fee for 2 cards the one ending in. XXXX and XXXX the reason of why I fall behind on my payments is dude to an emergency that is been going on for so long my grandmother and grandfather health issues this was a temporary thing but now it has expanded as both of my grandparent were having health issues once again and it is impossible for me to give a higher payment every month to bring my account Down as much as possible I have tried my best and I even got enrolled in to a program that supposedly was helping me out but in reality it is not the interest fees and cash advance fees are killing me for every minimum payment I make once he interest charges hits or cash advances hits the balance increases and he balance doesnt goes down much. I spoke to a female supervisor that said she would look out and see my options but she only call me once and nothing was settled I explained her my situation financially as I been struggling for both of my grandparents health problems I concider them like my second parents I called them mom and dad. All I want is help from capital one and see if they can please wave me the interest fees and cash advance fees something that can help me out. I am happy to be part of capital one because its been. While but sometimes I feel like they dont really care wen it comes to problems wen customers struggle financially like Im doing at this moment I also want all my accounts to be not restricted they said they will re open them after I completed 3 payment I have completed at least 3 to all accounts if Im not mistaken.