davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation (CA)

on XX/XX/XXXX I received a debt collection letter from PACIFIC CREDIT EXCHANG, I promptly responded with a debt validation letter requesting validation and verification, I responded with letter stating to cease all collection activities, in early XXXX I was notified that the company attempted to pull my credit file, in XX/XX/XXXX the alleged original creditor ceased all reporting and dismissed the claim on the alleged debt. the debt, today I was notified that the. company has placed the collection on my credit file.I fully intend to pursue litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 15 U.S.C. 1692k ( a ) ( 1 ) ; and Section 15 U.S.C. 1692k ( a ) ( 2 ) ; in addition to section 15 U.S.C. 1692k ( a ) ( 3 ) regarding your continued willful and negligent noncompliance.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My previous Kohl 's charge is being reported as a charge off for XX/XX/2919. I paid off the account in XX/XX/2019, so it should not be showing a charge off for XX/XX/2019.
Consumer complaint received 2020-11-07
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$25000.00}. 
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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Identity Theft Victims Complaint and Affidavit PAGE ( 3 ) Item XXXX XX/XX/2020 XXXX XXXX XXXX received an Email from which appeared to be from XXXX to confirm an Order purchased. NO order was ever issued. Called the phone number as shown on the Email. Man states ok you have NO XXXX account ; does any other family member have an account? Think my wife XXXX XXXX XXXX does. XXXX talked over 1.5 hours to this man with her computer ON. Computer was Hacked. Man asked her if she had a checking account, YES. Could you log on to see IF any orders were filed and collected. She did so ; USAA Federal Savings Bank account was Hacked as he could see accounts and account numbers as she had OPEN. XXXX became very uncomfortable and nervous. XXXX ended the call and shutdown her computer OFF. Hacker then placed ( 2 ) Wire-Transfers to be sent ( 1 ) {$9800.00}, ( 2 ) {$9800.00}. Our USAA Bank Savings Account ending in ( XXXX ) was hacked. The account has been closed and terminated with balance transferred to another account. USAA states Mrs.XXXX was sent an Email ref. the transfers to be sent. XXXX XXXX NEVER received this Email at her XXXX  account or her online USAA Bank account. XXXX XXXX XXXX made phone calls to the USAA Bank from XXXXXXXX XXXX  to XXXX to STOP the transfers. XXXX did receive and Email from USAA at XXXX to confirm the Wire-Trans were in fact sent. The USAA Committee completed an investigation. As stated NO FUNDS will be issued or returned Mrs. XXXX was to fault. XXXX XXXX asked WHY and WHO authorized this Wire of funds to be sent? USAA stated the bank NEVER heard from Mrs. XXXX. USAA If the requester ( Mrs. XXXX ) does NOT call or notify us per-Email from us, the funds ARE sent. AGAIN, That Email was NEVER received to date. NO Authorization or Approval was EVER given to USAA for this transaction to be done. ( NOTE ) Mr. XXXX has a membership at USAA for ( 51 ) years.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$25000.00}. 
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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2020-11-07
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: 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 {$18000.00}, {$25000.00}. 
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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This complaint is for Capitalone. I had missed several payments from the months of XXXX 2020. I had logged into my account to rectify the situation on XX/XX/2020. The amount that was due was indicated to be {$200.00}, which I had paid on XX/XX/XXXX. I then received an email 5 days later indicating that I had a payment due on XX/XX/2020. My complaint is centered around the lack of transparency. To my knowledge, I should have been informed of the total amount due for my next billing date XXXX XX/XX/2020 XXXX after my missed payment was registered in XXXX. I spoke with an agent of Capitalone one XX/XX/2020 and was told that the {$200.00} payment was enough to cover the minimum due. If you missed a payment, the amount that is needed to meet the minimum payment for the nedt billing date should have been available to me to make an informed decision about my payment. Due to financial constraints, I was unable to make that XX/XX/XXXX additional payment because I had only budgeted for the {$200.00} payment that was indicated on my Capitalone account. I spoke with 2 agents from Capitalone one XX/XX/2020 and they were not able to reverse the late fee nor really explain to me why this happened. The gentleman told me that this couldn't possible be a system issue because it would have effected millions of people. So, I feel like they handle their business this way in order to charge more fees on their products. When I went in to make my payment on XX/XX/2020, I should have had the accurate payment amount in order to meet my minimum payment due on XX/XX/2020.
Consumer complaint received 2023-03-14
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. (MD)

I, hereby declare under penalty of perjury that I am the victim of identity theft. In Match, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, XXXX, and XXXX. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38.

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that may have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.
Consumer complaint received 2024-02-12
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX still reporting to Credit Bureaus that I owe then {$26.00}, even after paying them full 40 days ago. 
" XXXX reported 10 points loss in my credit score, because of XXXX XXXX. ''
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I got a new credit card in XX/XX/2017 with citicards. I signed up for Autopay. For some reason, the Autopay did not go through. Neither citibank or my XXXX XXXX XXXX could figure out why it didnt go through. 

But, Citibank charged me a fee and then my credit score went down. 

I called citibank and they said to make a payment and fax a letter to citibank credit reporting Dept. I did that, but now citibank cant tell me anything about receiving the letter. 

Now my credit score is very low, and it wasnt my fault the payment was late. It was a bank error, not my error. Need help.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I MOBILE DEPOSITED a check written to me and my wife from XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXXI was the sole endorser. Six months later Bank of America reversed the deposit stating that the check was deposited twice. After hours of research and multiple phone calls someone from B of A told me that a guy named XXXX XXXX successfully deposited that check on XXXX XXXX ( SIX MONTHS LATER! ). I informed B OF A that the check was likely stolen from my home ( we had three different housecleaning companies working in our home at the time ) I filed a police report and an arrest warrant has been issued. Despite being a customer for nearly thirty years, B OF A has repeatedly denied my request to redeposit the funds.They refused to provide me a copy of the redeposited check and failed to give an explanation how the check could have been cashed six months after I deposited it to my account to a person who was not me and in the absence of endorsement by both my wife and me.Once this gets resolved I will close my B OF A account XXXX XXXX XXXX MD
Consumer complaint received 2023-06-13
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

I've received a call from number ( XXXX ) XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency XXXX XXXX by a synchrony bank opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

XXXX XXXX XXXX insurance billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.