davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.
Consumer complaint received 2023-03-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

This is regarding a commercial Mortgage loan through Shellpoint Mortgage. I lost a home during a bad storm and it was a total loss. I received insurance funds to cover the mortgage and expenses. This check was sent to Shellpoint and they paid off the loan, I am waiting for the remaining funds to be sent back to me so I may pay my expenses that have occurred. The payoff was conducted XXXX XX/XX/. I have called several times asking about my remaining funds. The first time they stated it would be 30 business days, after 30 business days they told me it could be up to 45 business days. After 45 business days they stated the funds had been lost between departments and they would reach out to me with in two business days. I reached out again and they told me the information has been put forward to the proper department and will take as long as it takes. this is unfair, they took the insurance funds to take care of their needs as soon as possible and when it comes to my needs, it will take as long as it takes?! Where are my funds!!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2023-04-08
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: WELLS FARGO & COMPANY (PA)

In accordance with " The Fair Credit Reporting Act XXXX  '', Wells Fargo Dealer Services on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (FL)

I Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted the XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are multiple fraud disputes with this account and I have tried resolving this issue with Capital One and they are unable to assist me with this transaction because they are claiming there is no evidence of fraud on this account. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} All these transactions was listed as not fraud by Capital One and now I'm told I'm responsible for all these transactions when it was not made by me.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-10-31
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. (TX)

I've been banned by XXXX XXXX XXXX XXXX. They refuse to investigate my claim despite evidence from the FBI. They refuse to help in any capacity and have confirmed, over the phone, that I have been banned from ever opening a checking account again. I have proven they sold debt in my name in bad faith. They sold debt, in my name, under false pretenses. I don't believe this is legal.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (WI)

Notice the following inquiries on my report. I did not initiate. 

XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Motorcycles/Bicycle Sales and Service XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX DATA Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (ID)

On XX/XX/2022 I offered a 2nd loan with upstart and I accepted the offer just to be denied for lack of on time payments and outstanding balances. This was an incorrect denial due to all my payments being on time and reporting that way and I did not have an outstanding balance because at the time I had made a payment earlier that day. 

I felt as If they engaged in predatory lending which was abusive by offering me more credit just to wrongly decline their offer and they stated due to policy they can not overturn their decision or even take a second look, even though their payment operations center confirmed I had met the criteria they used for the decline. 

I spoke with XXXX a general support supervisor who didnt offer any option to revisit the application and just stated its company policy.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

No matter how much I do verification or whatever Capital One keeps locking my account freezing my transactions reversing my transactions I'm going to get criminal charges for a vehicle because they keep reversing a transaction that I'm calling to tell them I'm making. I am bed bound I physically can not ride an hour and a half to go to a brick-and-mortar building I have told them this over and over I've also told them that I have a id me online or I could send them a selfie go to my ID with today 's date anything that I could possibly do besides physically be there and no one will work with me and they keep locking my account and I was supposed to be out of my house 2 weeks ago I have till tomorrow and I can't access any of my money and when they say I can and unlock everything they reverse all the charges again and the dealership said they are going to go for criminal charges if I don't get it taken care of soon
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Bristlecone, Inc. (NJ)

My social media and e-mail were stolen and all my personal information and account were used. Even if I report it, I want to use the account again to check and get my account back.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2020 I disputed the validity of my bankruptcy to Transunion, XXXX, and XXXX. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-08
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: Upgrade, Inc. (GA)

On XX/XX/XXXX, I was made aware that my account with upgrade was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The upgrade company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.
Consumer complaint received 2023-06-19
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. (AZ)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AZ)

XX/XX/2021, I registered for an event held by XXXX XXXX XXXX, paying via PayPal Credit, to take place in XXXX the same year. I contacted XXXX XXXX on XX/XX/2021 via formal email masking him aware I would not be attending the event. He ignored me on several occasions by not responding until he had his website page updated with No refunds. Even after I was told by the event Co-Hosts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX of XXXX XXXX  I would receive my {$400.00} refund. 
The dispute was originally placed on XX/XX/2021. The XXXX XXXX XXXX decided on my favor, then released the funds back to XXXXXXXX XXXX XXXXXXXX in XXXX. Im glad I screen captured the proof of the resolution centers judgement, because they have since removed the dispute and judgement from my dashboard. Ive disputed this issue with both companies, since 2021, with no resolution of receiving my valid refund for services not provided. 

Please assist me!
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/18 I reached out to BOA for clarification regarding my XXXX and XXXX statements as I accrued interest on a purchase as the balance was unpaid however I a refund was initiated with the merchant that took some time. The refund was posted in the next statement and was for the full amount. However when I reached out to Bank of America to see if this could be reversed as this is usually what happens when the purchase was reversed/refund and the interest charge would usually be refunded but that wasn't the case when I reached out to them as they stated this is a valid charge and that nothing could be done about it.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.