davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

When I tried to put in for a loan my bank informed me that they could not pull up my Equifax report. I don't have a freeze or a lock on my credit file however I did call and question Equifax and they told me that I did have a freeze. I have sent them all the information and still to no avail. I really do need this freeze off of my file so that I may move forward with my bank loan process.
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (FL)

In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Best Buy/CBNA Balance : Opened : First delinquent : Reporting late payments that are unverifiable, and incomplete. 
Account is written off and reporting as a charge off for 4 years. I still haven't received any 1099c. This company is reporting gross income and IRS states gross income must be reported as gross income if the account is written off, discharge, forgiveness and charge off. The account is reporting inaccurately and it is harming my character and future for my kids. The account is updating every month as if the account is being reported as negative every month and the account is closed since XXXX. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is false information that is illegal. I want the original documentation that show in detail that I was late, missed a payment, credit limit was XXXX and Best buy is reporting the balance of {$1100.00} that is inaccurate. I am going through traumatic harm by the inaccuracy that's reporting on my report. I want to know how the account was investigated. I want to know how everything was reported, I want documents of the notice for payments, I want documents that XXXX sent me a notice to make a payment. This account need to be updated and removed immediately. one of the other. The account supposed to reporting in the status as Gross income not written off. This account is VIOLATING FCRA laws.
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX - XXXX ; keeps trying to charge me XXXXXXXX XXXX and i have disputed it on XXXX many times as identity theft. Also Webbank/Freshstart keeps trying to charge XXXX XXXX and I have disputed many times as identity theft. As well as hard inquiries on my transunion due to identity theft ; as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . On my XXXX I have derogatory marks which include LVNV FUNDING LLC for XXXX XXXX which is due to identity theft and I have tried to report it many times but does not let me ; also hard inquiries on XXXX I have reported many times and they do not remove them which are : XXXX and also XXXX XXXX XXXX XXXXXXXX All of these are affecting my 3 credit bureaus without my knowledge. Lots of hard inquiries on all of them and delicuent accounts. I am victim of identity theft, during covid in XX/XX/2020 My license, social security card and debit cards and XXXX $ were stolen at a car rental ( XXXX XXXX XXXX ) i also made police report and the police saw on camera where someone with a mask picked up my wallet and left the scene. Ever since then i have been having to deal with the extreme unwavering stressful situations and need help. Also according to XXXX most of these debt collectors if not all, have no license or registration to collect or do business in the State of New York.
Consumer complaint received 2023-03-09
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. (FL)

I checked my credit report and found that some of the data wereincorrect. 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.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was charged {$35.00} three separate times for ACH Return Fee : XXXX XXXX with no explanation. I can also guarantee that at the time of the transaction which likely triggered this that I had sufficient funds available. I suspect this is an example of BoA using APSN ( authorize positive, settle negative ) to be able to charge a fee that is well over the amount of the initial transaction. I tried to contact Bank of America customer service and was falsely told that this was a charge from a merchant, not from the bank itself. After getting the run-around and contacting the merchant directly, who had no record of any such fee, it is obvious that this is indeed a fee charged by Bank of America . 

Initial transaction : less than {$20.00} Total fees from Bank of America : {$100.00}
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX/XXXX/XXXX my wallet was stolen from my locker while I was working out at the gym. The thief took my wallet to the XXXX down the street and charged all of my cards in my wallet several times for a total of {$100.00} for each transaction. He charged each credit card twice and each debit card once. I have no idea how he ran my debit cards as he clearly would not have my pin number, unless he ran it as credit and then fraudulently signed for it. He then went down XXXXhe street a little bit more and attempted to use my last debit card at a smoke shop multiple times for a transaction totaling {$40.00}. However, by this time I had realized my wallet was stolen and I locked my cards on the app. I also had an airtag in my wallet, so I knew the location of the thief. I called XXXX so that the police could come and arrest the person I suspected for stealing my wallet. When the police arrived, they informed me that they could go look around for my wallet but couldn't arrest or ask anyone for the wallet based on an airtag location alone, especially since the suspect was hanging out with a group of people. The police couldn't really do anything unless they had better probable cause for one person. So I was left to report all of my cards as stolen, get a new airtag, new wallet, new drivers license, new transit card, new everything. I reported the cards as stolen within one business day of the theft. When I reported these transactions as fraud, all of my banks investigated it and informed me that according to their investigation, the transactions were in fact fraudulent. They they covered the cost of the false charges. Out of all of my banks, however, TD bank was the only one to say this transaction at XXXX was not fake on the grounds that " the card was not used again after this transaction ''. When I called to dispute their investigation, I asked them if they had any documents or anything showing that they did their due diligence in investigating the issue. They were unable to provide any evidence that they did in fact investigate my claim. I reopened the fraud claim and a few weeks later they denied it again stating that I " benefited from the transaction ''. I find it curious that just one of the banks I use found my fraud claim to be untruthful. I am submitting the evidence that I have as part of this complaint.
Consumer complaint received 2023-11-01
Product: Credit reporting 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. (CA)

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I had a charge on my debit card that was not authorized by me on XX/XX/year>. I called chase and was told that my card was hacked. They immediately canceled my card, issued me a new one and refunded the money back to my bank account in the amount of {$340.00}. A claim was opened, claim # : XXXX On XX/XX/year>, there was a claim reversal, reversal # XXXX in the amount of {$340.00} with a letter attached in my online documents stating, We found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. 
This charge was not authorized by me. I would not go through the trouble of calling, reporting the fraud and canceling my debit card for a charge done me. Customer service explained to me that the document provided my XXXX has my email address listed on it. That is not proof that I made the charge. That is proof that whoever somehow gained access to my card information, also had access to my email address. 
This is the second claim reversed by XXXX and I am tired of their false advertisement of Fraud Protection. I have been with them for MANY years and I refuse to be ignored.
Consumer complaint received 2023-02-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-23
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

I have been a customer of GM Financial for 4 years and have not yet been able to figure out how to set up automatic payments. I am currently in my second lease with them. Because my payments are not automatically scheduled and I'm not great at submitting my payments on time I have been getting charged excessive fees over and over again. 

I have been charged tens of late fee totaling XXXX XXXX XXXX and it would all be avoided if I was given the ability to set up automatic payments. 

I have been unable to figure out how to set it up in the app and support agents on the phone have been kind yet unable to instruct me on how to set that up. I have spent ages on the phone and in the app trying to figure this out. 

In summary I feel taken advantage of by not being able to easily set up automatic payments and being charged fees repeatedly. Even though I have always paid their support agents refuse to waive more than a nominal amount of the fees which I feels is unfair.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AK)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-07-29
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. (FL)

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company,
Consumer complaint received 2023-07-29
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. (TX)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX CHILD SUPPORT ENFORE,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report this.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have had a checking and savings account with Capital one since at least 2005. Back then it was a bank called XXXX. They merged and the accts became Capitol One Bank. 
Problems XXXX. I scheduled my bill pay like i do every month to pay my credit card payment. Last night i get an email stating the payment has been canceled sue to not enough funds in the checking account. I had plenty of money in my savings account that has always been an automatic sweep to cover the checking. When i called today to ask why the bill pay was canceled, they could not give me an answer and kept saying my acct was now set up to auto decline. I asked when this changed because last month it worked just fine. they said they send a notice. I have never received the notice so i asked for the date they sent it either electronically or by mail and they said they could not provide that. I read every notice from both financial institutions and credit cards and i NEVER received a notice. There is no way a big bank like that would not keep track of when these notices go out. 
XXXX they were sneaky and made all high yield savings accts into low interest savings accounts so all old customers would not know they were not getting interest again i asked for when they sent this notification, and they could not provide it. that's because they never sent any notification. 
XXXX the customer service agent would not give me any answers and just kept saying bank policy. He also said he was the top manageXXXX and no one else could help me. 

I have close to a XXXX credit score if not over and i have never missed or been late on a payment in my life. luckily i called my credit card and they were able to make the payment over the phone to make sure its paid on time since capital one just kept saying they could not guarantee it even though they caused the problem. They do sneaky and unethical business practices that i feel are bordering on illegal and not in compliance with bank reporting acts. 

I feel i should be compensated for the lost int on my savings acct over the years since they changed it since they make it so hard to find and bury it in their online banking. and honestly i should be compensated for my lost time on this payment and undue stress and horrible customer service. 

the rep i talked with is name is XXXX XXXX ID # XXXX and the case number he submitted for me to get the date the notices were sent is case # XXXX I also feel like they should disclose that they work for a call center that obviously is not actually capital one because he could provide me with no answers or help. when i asked him about this he kept lying and when i caught him in the lie he just paused and changed the subject. I want proof of these notices sent and i want my back int.
Consumer complaint received 2023-11-01
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)

Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2022, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is 165925500, as I did not authorize the inclusion of these accounts and inquiries on my credit report.

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report.

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly.

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX  received on my credit report on XX/XX/2023. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from the bank, acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that refuses to remove the fraudulent hard inquiry on my credit report. I have been submitting disputes every day for this hard inquiry ever since it was reported on XX/XX/2023, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXXXXXX XXXX dated XX/XX/2023 from my credit report.