davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

The following accounts listed on my Equifax credit report is fraudulent and keep reappearing on my credit report : XXXX XXXX XXXX for credit card account, {$22000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card account, XXXX XXXX XXXX XXXX credit card account and XXXX XXXX XXXX XXXX MasterCard credit card account.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent 4 notarized dispute letters to XXXX and Transunion via certified mail to dispute inaccurate information currently reporting on my credit report. 

Transunion and XXXX lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both Transunion and XXXX failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (GA)

A few weeks ago, One Advantage sent me a letter stating I owed a creditor money.

I responded by US Mail, with a 7-word note stating I owed no money and to refrain from contacting me again.

They contacted me again.

Less than two weeks later, they sent me a second note, with an enclosure an itemization, writing, Enclosed you will find the information you requested. I requested no information. Not only was this second contact unethical, they lied. 

I request that this harassment stop immediately. 

Thank you.
Consumer complaint received 2022-02-26
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. (NY)

" XXXX '' card has been reporting to my credit report for XXXX and Experian since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through Experian. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (GA)

In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been apart of Equifax 's data breach including 17 other breaches that have exposed my social security number along with my personal information. I would like all accounts checked properly. I want original copies of the accounts on my credit report to show me physical original documents that prove these fraudulent accounts are min.
Consumer complaint received 2022-10-10
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)

My name XXXX 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 2022-10-10
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. (VA)

In accordance with the fair credit reporting act XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Finance XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-26
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PACIFIC WESTERN BANK (CA)

I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}. 

XXXX has given me proof of payment, but the merchant bank claims that does not prove they received it. 

Amount : {$570.00} My bank : XXXX Merchant bank : Pacific Western Bank Date sent : XX/XX/2021 HOA : XXXX  at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.
Consumer complaint received 2022-12-06
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. (NV)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I visited Chase Bank ( branch XXXX XXXXXXXX XXXX, NY ) to create a cashier 's check of {$20000.00} from our personal checking account. This check was to be used for an earnest money deposit and was time sensitive. 
Chase issued a check, but instead of being issued from our personal checking account, it was noted as being issued from my business. This was not acceptable for the purpose of the deposit. 
Chase took the check and tried to reverse this to create the check under my name. They made a mistake in the system and, after several hours, could not return the money. They agree it is their mistake but that it's out of their control. 
They have informed me that I should have access to the money in the coming days, but this isn't an acceptable solution when we are legally required to provide this check in a time-sensitive manner.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (MD)

Fair Credit Reporting Act 15 U.S.C. 1681b Ignorance of the law is no excuse!

I am the natural person consumer and original creditor.

I am evoking my specified remedy as the consumer and original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth and 15 U.S.C. 1681b permissible purpose of consumer reports.

( A ) subject to subsection ( c ), any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This 100 % cruise I am the consumer and original creditor and I have not given my written instructions to your company to furnish any information on my consumer report and I demand a full removal and deletion of all negative accounts. 
I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactorily with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation. 
I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the Fair Credit Reporting Act makes it clear your company can not furnish public information without my written instructions. I demand you to stop infringing on my right to privacy and delete all negative and collections from My Consumer Report immediately.
Consumer complaint received 2022-10-10
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. (GA)

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 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 : xxxxxx XXXX, XXXX. XXXXL, 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 GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

XXXX is the subject of this complaint : 1. XXXX  was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however XXXX  continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my XXXX middle names. 4. There is an upper tier underscored c followed by a capital B in XXXX. 5. XXXX   is erroneously reporting Ally Financial as late. This car payment has never been late. 6. XXXX   is reporting an Ally Financial past due balance of {$20000.00}, when the payment is not past due. 7. XXXX and Ally Financial are over reporting the current loan balance of {$17000.00}. 8.  XXXX is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXl and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. XXXX is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.
Consumer complaint received 2022-02-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2016-08-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Solutions To Portfolios, LLC (KS)

I keep receiving phone calls from people at a company called STP management. I have talked to them a total of two times. They have never sent me any written document to my home address. They are also calling my family members more than once. This is a violation of the The Fair Debt Collections Practices Act as amended by Public law 111-203, title X, 124 Stat 2092 ( 2010 ). Section 804 and 809. I found their website and contact information and have emailed them. I have notified them that they have violated by rights and they need to provide written correspondence of the debt that is owed.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made 2 purchases that should have been covered under buyer protection. I sent capital one proof where I the customer was fraudulent ripped off and both times capital one sided with the business without looking at my proof. 

Claim number 1- I purchased a table cloth for my wedding which should have been 120 inch. I received the table clothe it was 20 inches and barely covered a children 's table. I sent capital one the complaints on the seller and picture of the ad and product. The seller told the bank I was satisfied with the purchase which was a lie and capital one closed the claim in their favor. 

Claim 2- I went into a nail shop, and the nail tech was awful and had an attitude. I was there for 4 hours and finally told her to stop so I could leave. I did not sign the receipt. I called the nail shop with capital one on the phone and the nail tech herself said that she doesn't remember me signing the receipt and agreeing to pay.

When I called capital one I spoke to two people with extreme language barriers and got no where. This is now a billing dispute because I am moving all funds out of the bank. 

I need someone to call me.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

I called Truist and waited on hold for an hour and a half to speak to someone. I am unable to log in to their website because I closed my account with them. The reason I closed my account with them is because of their horrible customer service. In NO WORLD will a client wait that long to be helped by their bank on a routine basis. They offer no other way to get in touch, and this ultimately locked up my money in the case I had any questions whatsoever. I needed to download a copy of my statement for this closed account. The statement date I need is for XX/XX/XXXX. It would be the one after the one dated XXXX and the one before XXXX. I spoke with XXXX in XXXX, NC on XX/XX/XXXX at XXXX. She was unable to help in any way which is not acceptable. THIS IS A SMALL BUSINESS ACCOUNT.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid 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 (KY)

On XX/XX/2022, I received a notice from a merchant ( XXXX XXXX ) that my Capital One credit card ending in XXXX was declined. 

That same day ( XX/XX/2022 ) I called to check the status of that card and was informed that my account had been restricted. It was unclear as to why my account was restricted and the Capital One representative I spoke with was also unclear on the reason. 

I proceeded to close my Capital One account based on that information on XX/XX/2022. I did so with the representative over the phone on XX/XX/2022. The representative said that once the account was closed, it could not be reopened and that all auto transactions tied to the account would be declined. I confirmed this information and closed the account on XX/XX/2022. 

I received my final statement from Capital One and two charges appeared on the statement - one on XX/XX/2022 from XXXX XXXX XXXX XXXX for {$52.00} and another on XX/XX/2022 from XXXX for {$2.00}. Both charges occurred after the closing of my account on XX/XX/2022. 

Giving Capital One the benefit of the doubt, I paid the statement on XX/XX/2022 assuming the charges were processed before XX/XX/2022. Following the payment of the statement, I received notice from each merchant XXXX XXXX XXXX XXXX and XXXX - that the payments from Capital One had not been applied. 

I called XXXX XXXX XXXX XXXX to inquire why the payment had not been applied and they stated that they ran the card three times on XX/XX/2022 and each time it was declined. XXXX also sent a notice via email that the Capital One credit card was declined. 

Having already paid Capital One for these costs that were never given to the merchants, I called Capital One to sort the issue out. I spoke to several representatives and no one understood the situation that I paid Capital One for services they did not render to the two merchants. I was told to fax my complaint with supporting documents to Capital One, ( documentation of Fax receipt is included in my documents ) but I didn't receive a response or resolution. 

It is necessary that Capital One refund me for my overpayment of {$52.00} or send payment to the merchants. I have included a statement from XXXX XXXX XXXX XXXX showing there was no payment from Capital One to my account in the amount of {$50.00}. I have also included a copy of the email from XXXX outlining the decline of my Capital One card in the amount of {$2.00}.