davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-10
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. (NJ)

In accordance with the Fair Credit Reporting act Account number 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.
Consumer complaint received 2022-05-19
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. (MS)

Data from Experian XXXX XXXX. I dont recognize these accounts at all. These XXXX accounts is fraud. I have disputed these XXXX personal loan accounts 2 times through Experian. Company said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called Experian spoke to the reps to file another dispute for fraudulent accounts on my credit reports again. Please help me to get this issue resolved.
Consumer complaint received 2022-05-19
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: JPMORGAN CHASE & CO. (KS)

XXXX XXXX on XXXX this showed up on my XXXX XXXX report the next morning- reporting from XXXX. 
JPMCB on XXXX this showed on my XXXX XXXX  report the next morning - reporting from XXXX and XXXX. 
I have placed a fraud alert and a freeze with all XXXX credit bureaus. I have spoken with Chase and requested for the hard inquiry to be removed from my report. They accepted and said they would. 
I need more information on how to protect my identity and social.
Consumer complaint received 2022-05-19
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation (TN)

I was trying to settle this debt or set up a payment arrangement. I needed a copy of the agreement and they refused. They wanted me to settle the XXXX debt with XXXX XXXX payment today and one 30 days later. He would not allow me access my account online, would only offer to send me a letter by snail mail once it was paid in full. I need the agreement for an employment opportunity and explained this. I even read the CFPB statement regarding getting this info in writing and he told me he would snail mail ( no email ) me a copy of my current statement. That isn't even what I needed. I just want to settle or make a payment arrangement and have it in writing to protect myself. 

Also, the phone # listed on the XXXX credit report does not work. I had to XXXX the address in SC and it showed Heights Finance. I then had to call them and they referred me to Covington Credit. 

I spoke with XXXX, op # XXXX. He said the call was recorded. He refused to give me access online to my account.
Consumer complaint received 2022-05-19
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 reporting act XXXX  account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2019-10-16
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vanz, LLC (PA)

I received a letter in the mail and I'm being sued but I never heard of this company or received any written notification. They are not on any of my credit reports. I'm being sued {$3700.00}. 

I need the following mailed to me : want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-10-30
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: Designed Receivable Solutions, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DESGN REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi i disputed these items to XXXX XXXX  and transunion and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX   XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX XXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/1969
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason at all and will not help me getting it back and going. I assume it has to be a mistake or something. I have not been able to get help from them in months but I remembered I could file a report on here because they are not doing a great job helping me nor properly doing there job. I use PayPal quite frequently as well. My email which is linked to PayPal is : XXXX XXXX
Consumer complaint received 2022-05-19
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. (NJ)

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # 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
Consumer complaint received 2019-10-16
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. (FL)

on XX/XX/2019 there was a hard pull on my credit report by XXXX XXXX XXXX. i authorized ONLY a soft pull and was told by the representative that only a soft pull would be conducted and that it would NOT impact my credit score. 

please remove. 

thank you.
Consumer complaint received 2019-10-16
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. (IL)

Hello, I Am a Victim of identity Theft How can I be in XXXX And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was XXXX  AT THE TIME ... ....
Consumer complaint received 2022-05-19
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. (NJ)

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # 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
Consumer complaint received 2021-10-29
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: Bread Financial Holdings, Inc. (CA)

Sent letter to comenity bank requesting original documents and proof Comenity/Forever 21 account. Comenity failed to provide this information more than 6 months ago.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (WA)

This company has been calling my cell number and home number for at least one year or more. When I answer the phone, I am unable to understand ANY of the representatives who I am talking to. All of the people who Ive spoken with do not speak CLEAR XXXX. It is very difficult to understand their words. When Ive asked to speak to a supervisor, they just hang up, every time! This last time today at about XXXX I called a number I found on XXXX for this company. I am concerned that they are not legitimate and just scammers of some kind.i told the person who answered if she did not get someone who could speak clear XXXX AND clearly identify the company name and address, I was going to file a complaint with The Consumer Financial Protection Services. She asked if I was a person named XXXX XXXX. I said no and she said they would stop calling. They have been calling XXXX, XXXX and XXXX. I doubt they will comply. I have repeated told them to stop calling, blocked every number they use to call me. By the way, through all the calls they have made to me, only the last person I spoke to asked if I was XXXX XXXX, who they were trying to reach.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. XXXX  and Equifax is reporting a collection account for XXXX XXXX. 

Thank you
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

There was a claim on XX/XX/XXXX of XXXX  on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX 's account We opened our account XX/XX/XXXX of XXXX. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. We made a claim on XX/XX/XXXX of XXXX  to get our money back that should not have been taken. We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been resolved. We have nothing to do with the check cashed by XXXX from XXXX account. They live in a state we never been to. XXXX owes the {$530.00} not us. This happened before we opened our account.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/2022 I deposited a check for {$6000.00} into my business checking account, from a car dealership that refunded my money for a down payment on a vehicle that turned out to be a lemon. The check went on hold and my funds was suppose to be available on XX/XX/2022. Now on XX/XX/2022 my funds went on another hold now they say my funds will be available on XX/XX/2022 cause they couldnt verify the funds. I contacted the car dealership that issued me the check they contacted there bank and told me that the funds was taken out of there account so how and what are they trying to very. I contacted Bank of America on XX/XX/2022 now they tell me that they made the decision to close my account and my account will be closed out completely on XX/XX/2022 so I asked well whats going on with my funds either yall send the funds back to the original account or yall give me my funds! They tell me that the check didnt clear cause they couldnt verify the funds and it was returned, I had two different customer service representatives tell me that! Now on XX/XX/2022 I call Bank of America customer service again they now tell me that my account is closed out and they will send out a check for the balance thats in my account so I asked whats the balance they told me I say ok. I call them back on XX/XX/2022 they tell me the check was mailed out give it about 5-7 business days on XX/XX/2022. On XX/XX/2022 I received a letter telling me that i will not be issued out any funds. I snapped out I called the number on the letter and cursed them out, who are you to tell me that yall are not going to give me my hard earned money back! they tell me that they froze MY funds and when they are done verifying the funds they will let me know but as of now they have no time limit on when that will be. I called them back on XX/XX/2022 I told them they need to get whoever has my funds on this phone now! They tell me that they dont have a number only thing they can do is emailed them to request for an update to when I will receive my funds! Then tell me they can hold My funds and they dont have a time limit on when they will release it! I have been calling them everyday and everyday they tell me the same thing they still dont have an update, they cant tell me why they froze my funds! No one have any answers on to why they are holding on to MY money! On XX/XX/2022 they sent an request for an update still have not gotten one on XX/XX/2022 another request was sent for an update. On XX/XX/2022 I wrote Bank of America corporate office to file a complaint. As well as I am taken legal action. If my account was closed out on XX/XX/2022 how are you holding on to MY funds! we have no business relationship anymore I have no dealings with Bank of America so my funds should have been returned to me!
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX keeps charging my checking account every month for services I can not receive because the company is closed. I call XXXX XXXX  and no one answers the phone. I have contacted capital one to stop the charges but capital one is still taking money out of my checking account {$35.00} evey month.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MS)

Lady was supposed to buy items for one price and do a cleansing ritual for me, but she say she at the market and needed another {$60.00} after Ive already paid her {$75.00}. I asked for my money back and nothing.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

Disputed with all XXXX credit bureaus on XX/XX/2022. They received my letter on XX/XX/2022. It is now XX/XX/2022 and Ive yet to hear back from this company. I sent ANOTHER certified letter that was received on XX/XX/2022 requesting they remove the items disputed since I had not got a response from XX/XX/2022 dispute. Still nothing was removed. The FCRA gives the company 30 days to respond to my first letter of dispute. I have not received response.
Consumer complaint received 2022-05-19
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. (NJ)

experian In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # 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
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I can not access my Pay Pal account. I have a two-step verification authentication to sign in into Pay Pal. 

On XX/XX/19, I changed my telephone number. I called Pay Pal to inform them that I no longer has this cellular phone and their response was that the only choice I have is to close the account. 

I currently have a {$200.00} cash balance and {$120.00} amount due. 

I would like to keep my Pay Pal account open, I can provide additional information to validate my identity. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

On XX/XX/2019 a fraud alert was placed on my Equifax report. I did not request this fraud alert. THIS CAN NOT BE REMOVED VIA THEIR WEBSITE. I have sent three handwritten letters to Equifax containing more than the information they requested. I keep getting letters back saying that they could not verify my identity. I have sent my drivers license, social security card, four utility bills, and my paystub. This company simply refuses to remove the fraud alert from my credit. Attached is everything I have sent to equifax.