davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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 (UT)

I made a purchase at XXXX on my credit card for a trip that ultimately had to be canceled due to COVID-19. After several weeks of attempting to contact XXXX I called Capital One to file a dispute. They opened the dispute and shortly after, I received confirmation from the merchant they were processing a refund. 

I contacted Capital One to reverse my dispute but they said I had to wait. For some reason, Capital One also credited my account two times for the dispute. I contacted them to get this corrected on XX/XX/XXXX and XX/XX/XXXX and both times was told I would just need to wait for those credits ( disputes ) to be reversed. So in short, my account had 2 credits for the dispute and the refunds from XXXX. 

I attempted to get a check issued for the refund, the money I am rightfully owed several times. Now, they have reversed the disputes in an amount equal to 4X ( recapturing the dispute 4 times ) and also captured the refund on my account. 

I should be entitled to a refund check but it appears, when I log into Capital One that I owe them money. 

I contacted them again today to get it fixed and they opened a new case but they said it could take a month to resolve. 

I have been trying to get the money I am owed back for several months now and they just mess up at every turn.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Wednesday, XX/XX/XXXX at XXXX pm, I received a phone call from Bank of America ( caller ID showed Bank of America, phone number was XXXX which is the Bank of America Small Business Customer Service Number ). The call lasted for 48 minutes. 

This is the summary of the conversation. Bank of America called me to let me know of suspicious activity on my debit card for this account. The representative told me that someone tried to use my card at a XXXX in XXXX, FL. They wanted to verify the past few transactions on the account, and all of the ones mentioned were fraudulent and attempts in Florida. Afterwards, they said they want to make sure the XXXX transfer that has been initiated for {$15000.00} was done on my behalf. I assured them that it was not my attempted transfer. They stated that the money was going to XXXX XXXX in XXXX, FL. 

Bank of America sent me a security code that the representative made me repeat to him the security code sent. That code was sent through the Bank of America system ( a text message thread with other security codes ). 

I was told the representative had to speak to the XXXX department, and then I was put on hold for roughly 20 minutes with the same hold music that Bank of America has. 

The Bank of America representative told me that I needed to initiate the XXXX transfer to myself in order to set up an alert on the XXXX system. I sent myself the {$15000.00} through my own XXXX account/phone number with XXXX XXXX ( not my S Corp name ) and my phone number. 

After I set up the transfer I was alerted that I should see the amount refunded into my account in the next 3 business days. The representative told me his name was XXXX and his representative number was XXXX. 

The next day when the money was not in my account and I had time to think about it, I realized I had been scammed. When I called Bank of America to notify them, I was brushed off and had to continually follow up, even go into a bank branch to authorize my account that had been frozen. 

I filed a police report after the situation and have provided Bank of America with that along with call logs proving the call came from Bank of America. 

They have denied my claim at this point and are not accepting responsibility for this.
Consumer complaint received 2022-07-21
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-01-04
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. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items 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
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to seek your assistance regarding an urgent matter involving my Bank of America Business Checking Account. On XX/XX/XXXX, I deposited a check for {$100000.00} from my mother, which was drawn from her XXXX account. Unfortunately, Bank of America flagged this check as counterfeit and subsequently froze the funds. 

As a result, the money has been inaccessible to my business, causing significant financial losses. I have contacted Bank of Americas helpline multiple times, but they have not provided any effective solutions. Their representatives informed me that they can not proceed until the check 's maker verifies the funds. 

To resolve this, my mother traveled from XXXX on XX/XX/XXXX, and we visited several Bank of America branches to verify the funds in person. Despite our efforts, the staff were unhelpful and suggested that my mother recall the funds under fraud from XXXX, despite the fact that there is no indication of fraud. 

This situation has become increasingly distressing, as my business relies heavily on these funds. I would appreciate your guidance and intervention in this matter to help expedite the resolution and restore access to my funds.
Consumer complaint received 2020-06-02
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2020-06-02
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. (FL)

To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home
Consumer complaint received 2020-06-02
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. (OH)

This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted XXXX and Transunion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

The company originally opened an account for me after providing documents for proof of ID on XX/XX/20 a credit card was also opened the day after. I have been using this checking account to make payments and the credit card for daily spending. The company has frozen my accounts at this point and is requesting the same documents but will not give any insight as to why and refuses to let me access my account with my money in it. The company has pulled my credit multiple times and we have communicated on several different occasions and not once were additional documents mentioned.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Got a call from XXXX, a 3rd party company called Rent Collect Global for around {$98.00} owed to an apartment complex called XXXX XXXX  XXXX XXXX owned by XXXX XXXX. The woman on the line got very aggressive with her tone and words as soon as I questioned the legitimacy of the call and company, and stated that I would contact the apartment complex directly to verify. She said she could give me my social security number over the phone to verify the legitimacy, which I told her that was something that could be obtained through hacking and it was not sufficient for me. To which she started rattling off my personal identifying information, like where I worked, and I said I would still contact the apartment complex directly. She told me they couldnt do anything and that if I didnt pay on the phone right then it was refusal to pay and would be on my credit. I then told her to have a good day and ended the call. I contacted my old apartment complex directly to which they did say the company was and did not give me information on how to pay. I never received a bill in the mail as I forgot to provide a forwarding address, but the apartment complex did have my email address and phone number on file and had they contacted me I would have paid or given them my new address to mail it.
Consumer complaint received 2022-07-14
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. (AL)

I submitted a complaint previously complaint number XXXX XXXX XXXX stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am XXXX  with a XXXX XXXX, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on Transunion, XXXX and XXXX. XXXX XXXX needs to update my credit report with Transunion, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-07-21
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. (TX)

Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

I have been a customer with KeyBank over 25 years. Why was I a victim of fraud on XX/XX/2022? This was a KeyBank checking account for XXXX with a new debit card issued. Then on XX/XX/2022, I was frauded again on the same account for a purchase by XXXX and waiting for another new debit card issued. On XX/XX/XXXX and XX/XX/2022, with KeyBank knowing of these frauds supposedly did not protect my account and allowed unauthorized charges of over {$10000.00} between my KeyBank checking and savings accounts. All the fraudulent charges have added up to over {$30000.00} since XX/XX/2022. 
Where is your cybersecurity? KeyBank : you never texted or had the decency to " red flag '' or shut down my accounts when your organization knew of fraud activity on my accounts since XX/XX/2022. 
And I want to know who did this!
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX  XXXX agreed to place now long since paid off account auto loan XXXX on documented extension during onset of world pandemic They pushed these go rear of loan and have repeatedly confirmed their error across various platforms so why this is an issue still is beyond but they have cost me over {$40000.00} Multiple tradelines have been closed they have impugned my character. Then in XX/XX/2020 I paid certified funds only because of the prior month issue which posted under 30 days and clearly illustrates such on statement which they keep sending me I never requested the statement and all you are doing is providing youre wrong your service is unethical your communication is poor youre shady and its bad business You have sent this to me 21 times including certified which I have repeatedly advised you to cease an desist and not contact me on anyway yet you do Fix this or delete tradeline completely I will be seeking damages
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again.