davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION Y TO REPORT MY INFORMATION PER 15 USC 16814 .

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have included the items on my FTC Theft report the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized.
Consumer complaint received 2022-11-17
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. (CA)

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXXXXXX XXXX XXXXXXXX I XXXX Balance : {$99.00}
Consumer complaint received 2023-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened a savings account and checking account with Capital One banking. On XX/XX/XXXX I asked my mother XXXX XXXX to transfer XXXX from a joint savings account we shared at XXXX & XXXX XXXX, to the Savings account at Captial One. My mother has in the past paid my credit card that I have with Capital One from her checking account because I did not have phone access at the time. on XX/XX/XXXX she transferred XXXX from our joint savings account to her checking and then on the same day she transferred XXXX from her checking to my savings at Capital One. She was not aware that a transfer could be done via savings to savings. Around XX/XX/XXXX I was contacted from Capital One that I had committed fraud because my name was not on the account that the money was being transferred from. I talked to many people at Capital One and was met with the answer I can never open an account with them again. My mother tried from XXXX & XXXX XXXX to resolve the issue but they told her it was on Capital One. I was told the money would be returned up to 90 days later. It has been 7 months and each time I call I get forwarded to a voicemail and then it does not let me leave a message.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer  model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.
Consumer complaint received 2024-02-28
Product: Credit reporting 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 am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : 1. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX 2. Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : 1. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX 2. XXXX XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX 3. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 4. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 5. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 6. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 7. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX was reported on XX/XX/XXXX 9. XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 10. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 11. XXXX / XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 12. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 13. XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX 14. XXXX XXXX The Inquiry was reported on XX/XX/XXXX 15. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 16. XXXX XXXX The Inquiry was reported on XX/XX/XXXX 17. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 18. XXXX The Inquiry was reported on XX/XX/XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Bank of America released bank records on transactions in or around XXXX XXXX XXXX to the FBI without a warrant. This allegation was made by XXXX XXXX. As a current Bank of America depositor I am horrified by this invasion of privacy. Please investigate this situation. Financial institutions should be law abiding even if it can not be politic free.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I have sent an international transfer using MoneyGram for family support to XXXX. The amount I sent was XXXX $ and it should amount to XXXX SEK. It is my first time using MoneyGram. I initiated the transaction on XX/XX/XXXX. The money was taken from my XXXX XXXX 2 days later, and I received an email on XX/XX/XXXX saying the money was sent successfully and it should appear in the receiver account at XX/XX/XXXX the most. 

When the money didn't show up, I contacted MoneyGram and I opened a case with MoneyGram on XXXX. I got a resolution today on XX/XX/XXXX, saying there was an error on the MoneyGram side and they will return the transfer fee of XXXX USD. Still the money isn't showing on the receiver side. 

I contacted MoneyGram today XXXX to tell them, the money still didn't show up and I wanted to understand if there was a mistake, what was it, when should I expect it in the receiver bank or if they have any transaction Id that I can use with the receiver bank. They provided nothing and the customer support hung up on me. They kept referring to the resolution email which doesn't answer any of these questions. 

My family has called the receiver bank multiple times and there is nothing on their system. MoneyGram isn't allowing me any information that I can use for tracking, they claim the money is deposited and they can't provide me any document or transaction id that can prove that and at the same time.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (FL)

To whom it may concern XXXX XXXX XXXX. also known as XXXX XXXX XXXX 
They have been calling me all hours of the day and I don't know if it's a scam or somebody used my social I don't know if it's real they're trying to bill me for {$1.00} XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Experian. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX XXXX XXXX ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Experian to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX 's actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue.

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXX 's disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of XXXX, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-07
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. (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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 607 15 USC 1681 ( E ) Compliance procedures 15 USC 1666 Correction of billing Errors
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (GA)

I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.
Consumer complaint received 2023-07-08
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: CAINE & WEINER COMPANY, INC. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Caine & Weiner XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX. 
XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (MO)

I called BMO to close my checking accounton XX/XX/23. I was assured it was closed. When trying to confirm this over secure message, I was informed that it was not actually closed on XXXX. 

I called BMO again to close my checking account on XXXX, thinking it was " just an error '' as I know they are merging with Bank of the West. Again, I was assured it was closed. The rep mentioned some issue with the reason for my closure causing a problem. The reason is simply that I am not using the account. 

Finally, after trying to confirm again that the account was closed, I received a secure message response from them on XXXX that my account still is not closed. Today, XXXX I see no indication that the checking account is closed either in my online account-everything is as its been the last few weeks. It should not take months to close an account  with a XXXX balance, nor multiple phone calls.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

After repeatedly complaining about the theft of my accounts, Capital One sent me a letter, stating that they don't find any account in my name. 

In the subject line, they mention the account number ( endings ) XXXX and XXXX. You can see that for yourself in this publicly shared letter : XXXX XXXX XXXX In addition to the over XXXX XXXX USD ( the largest part from an inheritance from the XXXX family , that's the maiden name of my mother, and one of my security questions on file ), two payments have been sent and received by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  USD on XX/XX/XXXX and XXXX XXXX  USD on XX/XX/XXXX. Today. 

Furthermore, the " bank '' has lost their banking license several months ago, and they operate illegally. They've been cut off banking interfaces and lost their ability to perform manual transactions. After their website has been taken down, they put up a spoofed website. A simple traceroute shows you that. 

Also, I have recorded several Capital One XXXX calls. One " banker '' or CS states on the record that they see my " profile '', and, therefore, account ( s ). The second XXXX  call is as obvious as it can get. A person who doesn't have the faintest idea about banking claims to work directly for the Capital One boss, but refused to provide his legal name. The call features a female voice changer. One of the calls is here : XXXX XXXX XXXXXXXX You can listen to the second ( also to XXXX XXXX  , and maybe even the FDIC or CFPB ) here : XXXX XXXX XXXX XXXX XXXXXXXX? XXXX - or on any popular podcast platform, on XXXX, and XXXX. Should the voice changer changed voice of the male playing " XXXX '' be cut out again, I'll gladly upload it again. 

Also, for your information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX