davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (GA)

Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX filed a claim form Bank of America about a company who has token many form my account 2 times now on for XXXX $ and now for XXXX and bank denied my claim
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-11
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (CA)

HAVING BEEN RECEIVING PHONE CALLS FROM DISCOVER CARD, TOLD THEM NOT INTERESTED AND HANG UP ... XXXXYESTERDAY RECEIVED A CARD AND TERMS OF BENEFITS OF MY UNSOLICITED CARD ... ALSO STATES ON TERMS IF NOT CANCELLED IT IS IN EFFECT. THIS IS VERY POOR PRACTICE AND SURPRISED A WELL KNOWN COMPANY WOULD ALLOW THIS PRACTICE. WE DID NOT APPLY FOR ANY CREDIT CARD, DO NOT WANT IT AND RESENT CALLS FROM THEM. I WILL SEND THEM NOTICE OF CANCELLATION BUT DO NOT BELIEVE THAT SHOULD BE NECESSARY ....
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (GA)

On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. 

I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. 

I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. 

I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. 

I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. 

I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

Made a payment to Belk Credit ( department store ) to wrong account. Asked them to apply the balance to the right account and they did not do it but charged me a late fee. Asked them to send me a refund on the credit of {$210.00}. They did not refund the money. 
There is currently still a credit on the account.
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO. (RI)

called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MN)

Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.
Consumer complaint received 2024-01-11
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. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2024-01-11
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review. 

Please help me out and submit my complaint to the bureaus as soon as possible!
Consumer complaint received 2020-04-30
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. (OK)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX   XXXX  XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX  XXXX {$650.00} XXXX   XXXX {$18000.00} XXXX  XXXX {$650.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The following are fraudulent inquiries that needs to be removed : XXXX XX/XX/23, XXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23
Consumer complaint received 2024-01-11
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. (TX)

In accordance with the Fair Credit Reporting Act ( XXXX CFR Part XXXX ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting Experian permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( XXXX CFR Part XXXX ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Consumer complaint received 2020-06-24
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (PA)

A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.
Consumer complaint received 2024-01-11
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$6800.00}.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of XXXX XXXX.
Consumer complaint received 2016-12-11
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.
Consumer complaint received 2024-01-11
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. (CT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you