davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (TN)

XXXX and XXXX XXXX was the same request to resolve and issue I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I got the hard inquiry for their card when they did a SOFT inquiry without my approval. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening with my application on file. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these two hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (VA)

Contacted the collections agency and the vendor each vendor did not file timely or did not file claim at all. There are two claims. 
{$330.00} service date XX/XX/XXXX. {$550.00} XXXX XXXX the service date XX/XX/XXXX verified with my insurance company.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX This complaint is with Barclays XXXX credit card. 
On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me. 
XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ). 
When I realized that I was not going to receive the items XXXX  ( XXXX XXXX  ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through. 
Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant?? 
Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards. 
I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them. 
My Barclays acct number is XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-09-11
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. (NC)

I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (VA)

On XX/XX/2021, opened an account in response to a XXXX advertisement that provided a {$250.00} new account opening bonus, when two direct deposits totaling over {$1000.00} were made within 90 days of account opening. Having met this requirement, with payroll deposits on XX/XX/XXXX and XX/XX/2021, with deposit amounts of {$1000.00}. Despite terms indicating the bonus payment within 45 days of the second deposit, I have not received the {$250.00} bonus.
Consumer complaint received 2021-09-11
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: DISCOVER BANK (GA)

This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review.

2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 

3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 

4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item?

5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. 

To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I reviewed my credit report and I keep being asked about a mortgage and other things that I am no where affiliated too. Specifically an address is XXXX so now I am afraid that there has been a breach somewhere.
Consumer complaint received 2021-09-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (NC)

II started with the program over a year and a half and in this time they have consistently given me the run around charged me for the membership as well as are tricking people to giving them good reviews on various social media and XXXX services to contribute to their reputation to receive funding for their program. In this past year and half they have collected my personal data info and allowed it to sit never moving forward on their promise to assist. They force you into thinking if you do not give them a good review they will not help you. they finally stated that I had to give them 5 different reviews all good because I was afraid they would not help and now they will not answer emails or calls never following up and will not help me in the process. They are a fraud of a NPO and receiving government funds this should be stopped. They informed me not to move forward with any home offers until they helped and never did for more than a year and half and now the prices are very difficult for me to purchase affordably. Below is a picture of what they sais the only condition was to move forward which I have proof I complied and now they will not even return an email or a call.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To whom it may concern, I have recently learned how to check my credit report and scores and noticed a few accounts that were opened fraudulently in my name. I have reached out to the companies to have these accounts investigated and to provide proof of account. None of the companies furnished proof. My ID and personal information was comprised years ago and I am still suffering from this tragedy. Here are the accounts that I need to have removed. 

Portfolio Recovery - {$680.00} XXXX XXXX  - {$1600.00} XXXX XXXX - {$1000.00} XXXX  XXXX XXXX - {$970.00} XXXX XXXX {$9000.00} XXXX XXXX {$140.00}
Consumer complaint received 2023-07-05
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. (FL)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts.

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/XXXX
Consumer complaint received 2023-11-14
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. (CA)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX Fed The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Consumer complaint received 2021-09-11
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. (FL)

On XX/XX/XXXX I sent Experian a certified letter, Certified Mailing : XXXX, informing them and providing them proof. I received a letter back from Experian dated XX/XX/XXXX Report # XXXX stating that they would not remove the debt even though they were provided with relevant information and documentation. 
After several attempts, Experian has refused to remove this unverified correct information from my credit report. Experian is refusing to correct information for Account : XXXX XXXX XXXX, Account : # XXXX After being provided proof of account inaccuracy. 
Experian has refused to correct information on my credit report after being provided proof of inaccuracy and due to this, I have suffered the following violation : Defamation, willful injury. Based on FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv01743 ).

Fine : Extent of damages incurred by the wronged party, as deemed by the courts. 

IN ADDITION : XXXX DID NOT VERIFY THE DEBT WITH ME AND IGNORED THE CFPB COMPLAINT DUE TO THEM NOT BEING ABLE TO VERIFY THE DEBT ( SEE ENCLOSED COPIES )
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (FL)

on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Multiple unauthorized and not notified or emailed about charges on XX/XX/2021-XX/XX/2021 for {$2.00} totaling around {$510.00} from XXXX XXXX I dont use android or XXXX because I have a XXXX nor do I ever make transactions like these I panicked and contacted the bank when I seen my account was at a {$1.00} and never got a text like I always do or email why wasnt this red flagged for suspicious activity I also just had a class action settlement again Bank of America because someone stole {$5000.00} recently as well and they refused to give it back until I involved CFPB so please help again I need my money I filed a claim and keep getting told ohh we are working on it its pending
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (NJ)

This company JHPDE FINANCE I , LLC appears on my crdit report trying to collect an amount of a XXXX that I never open dated on XX/XX/2018 .... ( see attachment ) This company, JHPDE FINANCE I , LLC have all my personal information with out my concent.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I had a mortgage secured by a first lien on a home I owned in XXXX, Virginia. The loan was service by Lakeview Loan Servicing , LLC. I sold the home and the sale closed on XX/XX/21. The mortgage was paid in full as a result of the sale. The escrow balance associated with the loan was {$6000.00}. I have been in contact with Lakeview Loan Servicing , LLC a number of times since the payoff of the loan, requesting a refund of the escrow balance. I have received repeated assurances that the " check will be mailed to me shortly '', but it has now been 90 days since the loan payoff and I have not received a check for the escrow balance.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made over a {$2500.00} overpayment on my Capital One WalMart credit card at the beginning of XXXX and requested a refund for the overpayment XXXX XXXX. I was told it would be sent out in a few weeks. I hadnt received it by the first week of XXXX and when I called they finally told me they put a hold on it for 12 days until XXXX XXXX for review and then finally released the funds and sent a check. They said to be patient and I would receive it by the end of that week. I did not and when I called back they said it was an automatically generated check with no tracking and to again be patient. They said to give it 15 days from when they mailed it XXXX XXXX. I still had not received it on the XXXX day which was XXXX XXXX. When I called back XXXX XXXX, I waited on the line and senior supervisor, XXXX, said he was going to check on why there was no tracking for me. I also asked him to cancel the check and send out a new one and he gave me a hard time about it After 20 minutes and holding multiple times, I was disconnected. I am having to call back over and over and fight to get money back that is owed me by the credit card company. I have a busy life and take care of people with disabilities and a sick child. I dont have time for this. This shouldnt happen. Please help.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Someone used my identity and information to open up a XXXX XXXX  credit card which they used one of my debit cards for the program fee.which was XXXX $ charge on m debit and they ran the credit card to the max XXXX and it still opened I spoke to that bank and told them what happened.also my new bank account where I get my unemployment alot of transactions actions where made that I didn't make that add up to {$1900.00}. I also been seeing multiple credit inquiries the inquiries that I did not make I tried applying for a credit card that I definitely qualify for qualify for and it won't approve me when I got a good credit. I noticed this All Star that happened when one of my phones were lost or possibly stolen And it had all my accounts and information such as ID social etc.