davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (LA)

To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SXXXX XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!
Consumer complaint received 2023-02-22
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 (FL)

THIS ACCOUNT WAS OPENED FRAUDULENTLY. I PAID ALOT OF MONEY TO REMOVE IT TO CREDIT REPAIRS AND I EVEN CALLED THE CREDITOR AND EXPLAINED AND REPORTED IT AND IT IS STILL AFFECTING MY CREDIT TREMENDOUSLY. 

Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$460.00} written off. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$460.00} Terms NA THE FOLLOWING ADDRESSES ARE ALSO ON MY CREDIT REPORT AND I HAVE NEVER BEEN OR LIVED IN GEORGIA AND AS SUCH I BELEIEVE THE POERASON RESPONSIBLE HAS OR WOULD HAVE BEEN LIVING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type Apartment complex THIS WAS THE INFORMATION FROM MY XXXX CREDIT ACCOUNT.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I checked my account and became aware that Citizens Bank reposted XXXX transactions that were already deducted on XX/XX/2020. Phone calls to XXXX branches resulted in no information. Agents did not know what was going on. No statement was made by Citizens explaining whether this was a hack, an error, a glitch? To this moment, Citizens has still yet to issue a formal statement about this nationwide error. 

I would like to know how Citizens Bank will be compensating me for this error. When I make an error, Citizens charges me {$35.00} per error. In fact, they used to reorganize transactions to make it more profitable, creating snowballing fees that were more lucrative for themselves.
Consumer complaint received 2020-05-28
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. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance is a predatory loan company that uses overly agressive debt collection tactics against their customers. They misrepresent the guidelines of their loans to potential customers and incentivize auto dealers into issuing these loans. 

My vehicle was repossessed, even though I was actively attempting to work with the company to get my payments made on time and in a way that I could afford. When the vehicle was repossessed, it was taken to auction at a location over a hour away from my home, even though there are multiple other auto auction locations much closer to where I live. I paid the amount to release the vehicle, but they will not return the vehicle and expect me to find transportation XXXX miles away to retrieve the vehicle. After contacting customer support, I found that this is a tactic of theirs because they know that the further away they take the vehicle, the less likely it is for the individual to retrieve the vehicle and they can then put it up for auction. 

Credit Acceptance is a predatory loan company that takes advantage of people with low credit scores and people that are in financial hardship. I would highly recommend not doing business with them. I will be persuing legal action against them and I suggest anyone else with similar issues do the same.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (CA)

XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-22
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 (MN)

I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.
Consumer complaint received 2023-02-22
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. (OR)

I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.
Consumer complaint received 2023-02-22
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 (MN)

I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un-restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.
Consumer complaint received 2020-06-12
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. (CA)

I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-05-29
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialize loan services continues to put negative reporting on my account even after I paid my loan in full. How do the keep getting away with this??? The last report shown on my credit report shows settled not paid in full. This was paid in full. Why does this company continue to get away with not stating the correct facts to credit bureaus is beyond me. I even got a copy of my mortgage statement that says paid and satisfactory Mortgage. And even after the loan has been paid off since XX/XX/XXXX th Im still showing negative months after this what the XXXX is going on??? Please help me with this I need someone on my side to help. Thank you
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

on XX/XX/XXXX I made two check deposits both checks where for the same amount but diffrent dates and check numbers, On XX/XX/XXXX Bank said they where duplicates so they took out funds in the amount of check and returned check by mail, Bank manager noticed they where not duplicates and resubmitted the check on XX/XX/XXXX. On XX/XX/XXXX the Bank took out the amount of the check deposited on XX/XX/XXXX the check they said was a duclicate, they toook the amount of the check because they said they gave me credit for the duplicate check when my account clearly shows it was deducted back on XX/XX/XXXX. Now the bank refuses to return my amount of the check {$1500.00} that was taken out XX/XX/XXXX.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, XXXX XXXX received a XXXX deposit from XXXX XXXX ( co-worker ) for {$3500.00} to my personal savings account which I have with Wells Fargo. XXXX XXXX called & text me to confirm if I received the {$3500.00} because her account had been hacked. I confirmed that I received the money. XXXX XXXX communicated that she was on the phone at the time with customer service from Wells Fargo, as she also banks with Wells Fargo. I asked what the bank like me would to do. XXXX XXXX respond, to send the money back. I then went into XXXX, and sent the {$3500.00} back to XXXX XXXX. The next day, XX/XX/XXXX XXXX XXXX notified me that the {$3500.00} was not in her account, so she placed a fraud claim with Wells Fargo. On XX/XX/XXXX, XXXX XXXX notified me that her claim with Wells Fargo had been resolved and she received the {$3500.00} back. The next day, XX/XX/XXXX, I contacted Wells Fargo because I was locked out of the online banking. They reset my account and I then discovered that {$3500.00} was taken from my personal savings account. I received no notification or reason why funds were taken. I contacted Wells Fargo fraud department to submit a claim for my missing money ( # XXXX ). On XX/XX/XXXX, I called the fraud department again to check the status of the claim and I was denied a refund and claim closed. I had the same claim re-opened again. On XX/XX/XXXX, I contacted Well Fargo again, my claim was closed, and no refund received. I requested to have my call escalated to a supervisor. The supervisor opened a new claim ( # XXXX ) with more details and assured me that this would be resolved. About XX/XX/XXXX, I called to get the status of the claim and the claim was yet again closed and no refund received. Wells Fargo wrongfully closed XXXX XXXX 's claim by taking my personal savings of {$3500.00}.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto loan that was paid off is reported incorrectly by two of three credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today Capital One Auto Loan XXXX, for a XXXX XXXX XXXX shows the following : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this incorrectly reported closed account from the bureaus.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I wanted to make 2 transactions to move money to my Fifth Third Bank moving {$8000.00} from my XXXX XXXX XXXX  and transferring {$5000.00} from my XXXX account both transactions were initiated on XXXX XX/XX/2023. 
Before this I had completed the 5/3 external bank transfer security deposits so I could initiate both transactions via the 5/3 website. 
A week goes by and the money isn't in the account and soon after they call me to tell that they couldn't verify the funds because they thought there was 'fraudulent ' activity despite me initiating the transfer via logging in and also completing the electronic small deposits. 

By the end of XXXX after I had called every weekday, they opened a case to investigate. They told me that a third party operator has the money and it would be returned by the XXXX XXXX to the accounts from which they came. 
On the XXXX XXXX {$8000.00} shows up in my XXXX XXXX XXXX, but nothing in my XXXX account. I check my fifth third account and the checking balance is negative- {$480000.00}, the balance should be {$0.00}- they said because the account has a hold on it - nobody told me I received no call to tell me that was happening or even a letter. 

I called XXXX XXXX after waiting anxiously for the 5 business days to see if the money would show up in the account. But 5/3 told me that I have to contact XXXX to claim my money back?!? 
They said that the third party operator who handles the money that is being transferred ( even though I initiated the transfer through 5/3 website ) might not be able to return the funds because of fraud. 
I asked how I would go about doing this, since XXXX would not know anything about this case, and the 5/3 representative told me they didn't know or the name of the company that was handling the funds. 

I am attempting to explain the situation to XXXX, but I am left in a situation of uncertainty with little to no help, in which I have to consistently chase answers from 5/3.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TN)

I have on several occasions; sent Macys a Court ordered name change document. I initially sent the document 2 months ago. I have spoken to several different agents, and I still have no update. Here we are headed into XXXX  and my legal name has still have not been updated. I am very upset with how Macy 's has handled this and i would like this resolved asap!!! The communication on their end has been horrible to say the least. Please keep in mind that you have customers who are in very dangerous situations where they immediately need their information updated. You have placed me in a very difficult position unnecessarily.
Consumer complaint received 2020-05-29
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)

Experian DELETED items of my profile as the outcome but then later ADDED them back effecting my profile. Im submitting document verifying that those items were removed and needs to stay removed. 

XXXX  also DELETED items off of my report that were not correct and Experian and XXXX  are still reporting some of these items. All these Bureuas get the same information but they have many inaccuracies on my credit report that's affecting my livelihood.