davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2021 I noticed a large charge for {$1800.00} was removed from my account for a company, XXXX XXXX, XXXX. I immediately knew this was a fraudulent charge because I live in XXXX, CA. and this company is only in XXXX, Florida. I tried reaching out to the company first. The company has no website and no known contact information. So, I immediately ( that same day ) reached out to our bank, Golden 1 Credit Union, to file a fraud claim investigation. I was told that Golden 1 would issue a temporary refund while the investigation completed. Months went by and Golden 1 never reached back out to me, nor did they keep me up-to-date on the investigation. On XX/XX/2021 I received an email telling me that Golden 1 concluded their investigation and found that the charge was correct. This is absolutely untrue. I called Golden 1 Credit Union immediately on Friday, XX/XX/XXXX asking to see the " proof '' they had that this charge belonged to me. They told me they would provide that but could only do so by sending me it through the mail. I waited, and as of today, XX/XX/2021, I have not received ANY proof from their investigation. I, once again, spoke to someone today XX/XX/2021 and am being told there is " nothing else we can do ''. Golden 1 is taking back the {$1800.00} on Friday, XX/XX/XXXX. This is completely wrong. The bank has refused to work with me on proving this charge was made by me or my wife. This company only does business in Florida. I have never been to Florida. 
I was finally able to find a phone number for this company and called it five times. I only get two spanish speaking individuals and when I mentioned my name and that I was calling about a fraudulent charge they immediately hang up on me. 
There is NO WAY that Golden 1 reached out and spoke to this merchant. If they did they would have immediately realized this is fraud. How can I be responsible for {$1800.00} when I NEVER made this purchase?
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account is from Capital One don't know my account number but it was open around 2016 This account doesn't not belong to me. I am a victim of fraud and I will report to all credit bureau because I shouldn't be responsible for a those transactions. I need to remove this items from my credit report.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Received my monthly bank statement on XX/XX/XXXX for period XX/XX/XXXX through XX/XX/XXXX and IMMEDIATELY saw that my credit union processed ( XXXX ) fraudulent checks through my account. Our checking numerical sequence is currently in the XXXX range. The ( XXXX ) fraudulent checks were posted XX/XX/XXXX - # XXXX - amounXXXX XXXX} and XX/XX/XXXX - # XXXX - amount XXXX. We did not have a checking account with this credit union with those check numbers. We immediately called our credit union to report this. The representative closed our checking account, opened a new account and presented this issue to their internal fraud division. I then logged into our account from my desktop and was unable to see images of any of my checks. We have encrypted XXXX to prevent this from happening. Let me be clear- we do not do any financial transactions online. I only access my accounts to monitor them from my home, protected desktop computer. We do not have any APPS on our cell phones. We have gone to our credit union branch XXXX in person. XXXX XXXX we have been given different non-answers. We have called them XXXX XXXX XXXX times each day, going thru their XXXX process of XXXX  - empty promises. They have REFUSED to provide us information and as of today, XX/XX/XXXX they have not returned the XXXX}. The XXXX was returned to our account XX/XX/XXXX. They claim that all images of checks have been erased from their files. Yet, they have sent images XXXX of our legitimate check # XXXX for XXXX} implying that they don't owe us XXXX}. It has been XXXX weeks. They refused to tell us what checks I had mailed prior to discovering the fraudulent checks on my statement! We had to call XXXX different payees. We did not receive new checks to be able to submit payments on time to our credit card, utilities, etc. We always write checks the day our bills arrive, always pay in full - never carry a balance and mail from inside of our post office within XXXX  days of receiving our bills! We need to know who had access to all of our personal information and we need PROTECTION
Consumer complaint received 2023-07-26
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. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

XX/XX/XXXX Re : Formal Complaint - Fraudulent Transaction and Inadequate Response Dear Consumer Protection Agency, I am writing to file a formal complaint regarding an incident that occurred on XX/XX/XXXX, involving a fraudulent transaction at XXXX XXXX  XXXX, where I was a victim of deceptive practices and inadequate consumer protection measures. 
On the aforementioned date, I visited the XXXX XXXX XXXX  website to place a pickup order. The restaurant 's website exclusively facilitates pickup and delivery services through XXXX. Upon my arrival at the restaurant XXXX minutes later, both the restaurant attendee and the owner informed me that they had not received any online order requests. Despite presenting my receipt, they recommended contacting XXXX for assistance. 

I subsequently spoke with XXXX individuals from XXXX, both of whom had strong accents and did not disclose their names. The call center representative and supervisor informed me that the last recorded order with XXXX XXXX  was on XX/XX/XXXX, contradicting the date of my order. I initiated a three-way call with XXXX and XXXX XXXX  XXXX during which both parties denied any record of an online order & that my receipts order number was less than XXXX digits for XXXX orders. 

Concerned about the security of my information, I contacted my credit card company, Cash App, through both chat messenger and a phone call. Cash App advised waiting until the pending transaction cleared before taking action. I found this response unsettling, as it left me vulnerable to potential misuse of my account if additional funds were available. 

Despite informing Cash App of an open police report due to a previous identity theft incident from a lost wallet, they failed to offer proactive measures such as issuing a new credit card. Upon the clearance of the transaction, my dispute was promptly denied without a clear explanation. Cash App 's response was more re-victimizing than protective, subjecting me to unnecessary inconveniences and punitive policies. 

In light of the above, I am seeking your agency 's assistance in retrieving the amount of {$29.00} and safeguarding my account against further unauthorized charges. I have attached pertinent documents, including the purchase receipt, website copies, and call logs, to aid in your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If you have any questions I can be reached at XXXX or email : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 I applied for a pre approve offer with Capital one which I was approve.I was checking my credit reoprt ( s ) with XXXX and XXXX I noticed that this offer ended up being inquiry which it did impacting Capital One ad clearly states it wouldn't impact my credit score which it did. My XXXX score dropped by 10-15 points as did my XXXX score. I called Capital One they informed once submitted all personal information that was listed as credit card application which the ad didn't stipulate that on the pre-approve application. When I spoke with XXXX they informed me that matter would have to resolved through Capital one The add clearly states this is not application nor will it impact my credit score which is entirely untrue.MISLEADING ADVERTISM clear and simple!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. IN XXXX XXXX XXXX, there was a company illegal using my business account at Chase Bank which caused the account to close. This caused issues for me in the past with other banks i told them of the issue and they refused to solve the issue there are several reporting issues on my consumer report which caused me to be denied a business account therefore unable to create payroll.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX XXXX XXXX-PLEASE DELETE!!!! 
It is disheartening to see the continued presence of this fraudulent account on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was refused a Capital One card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the Civil Rights Office because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

This is a follow-on complaint to the complaint I filed last month that was closed ( XXXX ). 

Experian manually placed the freeze on my account as I requested, but I still can not access their online system with my name and SSN - or through their phone/bot system. ( Should I want to remove the freeze temporarily to access my credit report or request credit for legitimate purposes, I have no way of doing so ). The error messages I received in XXXX are the same error messages I received today. ( See attachments ) I received a notification today from a bank saying they could not move forward with my request for a credit card -- -this was fraudulent activity -- - I have not applied for a credit card. While I appreciate that the freeze worked to prevent the fraud, I need Experian to make their online system accessible to me.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (WA)

Since I moved in XX/XX/2022, I started receiving magazines that I did not subscribe to both at home and at work - a federal facility. I returned the magazines to sender multiple times, and now these magazines have started sending me to collections. I tried calling and emailing he magazines directly, but end up in a loop with zero live persons. The latest notice of collections was sent to my WORK ADDRESS - again a FEDERAL PROPERTY, claiming I owe money for a rag I NEVER subscribed to. The notice came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, and the " creditor '' which is a complete lie, is " XXXX XXXX. '' Magazines I've been sent include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and even XXXX. I HATE CATS and i don't even own guns! Please tell me what I can do to stop this harassment.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2021-04-27
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. (AL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC (MO)

This debt collector WAKEFIELD AND ASSOCIATES engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. Especially my XXXX rights to privacy
Consumer complaint received 2023-03-18
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: Commonwealth Financial Systems, Inc. (FL)

I have asked all 3 agencies to take off an account in collections by CommonWealth Finance in the amount of {$440.00}. The original creditor was XXXXXXXX XXXX XXXX XXXXXXXX. 
I have informed them of the new law pertaining to this, where no medical bill in collections under {$500.00} is to remain on credit reports. They still will not take it off of my report. They keep sending me, what seems like, automated messages saying that the information in the report from the creditor is correct and this is my account and correct amount due. I don't know what else to do.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (CA)

I opened a checking account at Axosbank. Used their bank service, made decent transactions. Later opened saving account. They unexpectedly closed my two accounts without notifying or warning. They refused to release funds and never did send Cashier checks.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX. - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX-LISTED PAID ON BANK STATEMENT TO PXXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-22
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: JPMORGAN CHASE & CO. (NY)

3 fraud charges were made on my account XXXX XXXX, on the third transaction ( all fraud activity happened with XXXX XXXX ) I received a app notice from chase and requested if that charge was me or not. I said no and called chase and reported the other two fraud charges I saw prior on XX/XX/XXXX & XXXX on XX/XX/XXXX. 

All fraud charges were taken off onmy credit card XX/XX/XXXX, I froze the credit card and replaced it but have kept the account frozen even with the new card. In XXXX Chase reapplied the fraud charges. I've disputed that I didn't make those charges nor received the product ( Chase informed me it was XXXX XXXX ), I advised them I drive a 1996 XXXX and that I never owned a jeep or knew someone that did and to check my DMV records for proof. 

I advised chase to investigate and look for the ip address where the order was made as that will show it wasn't on my personnel device or PC and with Covid I haven't left my house and should identify the culprit. 

They are advising me that I'm liable for these charges but that shouldn't the case I reported timely and within a several days of the transaction. What are my options? The balance they are saying I owe is {$820.00} and at this time I don't have nor should I be responsible I identified timely the fraud to chase based on their monitoring tools.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I have had a business account at Truist Bank for XXXX  years. In XX/XX/2023, I was charged {$180.00} ( XXXX at {$36.00} each ) including {$36.00} for {$5.00} and {$13.00} purchases. The online baking is very confusing. One example it showed {$450.00} posted balance and then {$390.00} deducted for mortgage. The very next line showed a {$36.00} overdraft fee. The automated phone and online are not in sync or updated together. In XX/XX/2023 I went to XXXX XXXX and my purchase was {$11.00}. My account only provided {$2.00} to cover the bill. I called the and automated message stated I had a zero balance. I was fine with that because at least I didn't get charged for {$36.00}. I thought they stopped the overdraft coverage. Fast forward to XXXX and they started it again. I did call Truist and the person stated there was nothing they could do. The inconsistency is ridiculous, and I would appreciate if someone will help me with this matter.
Consumer complaint received 2024-10-23
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)

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear Experian, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. 

As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly request a detailed investigation into these discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments. 

If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611. 

Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.