davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reached out to Capital One to dispute a transaction. 

The merchant sold me service package with a term of XXXX. 
The merchant disappeared XXXX after starting the contract and stopped providing the services that I paid for using my Capital One Credit Card. 
They stated in an email to all customer that the merchant would refund the paid amount but this hasn't happened. 

I sent Capital One all documents that were necessary and they decided not to pursue the claim. Every time I call and ask why, they list different reason each time. 

First, my claim was denied because there was no date listed on the contract between the Merchant and. This is not true - the date was on the contract.

Then Capital One needed me to send a signed statement.

After that they denied to dispute the transaction is over 60days old.

They failed to reach out to the Merchant and dispute the transaction as listed on their website.
Consumer complaint received 2023-06-11
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 XXXX 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-23
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. (CA)

I attempted to contact XXXX, TransUnion, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Consumer complaint received 2024-10-14
Product: Credit reporting 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. (TX)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-02
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. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 an individual was able to walk up to a teller in XXXX, MI and withdraw {$3000.00} from my checking account. I live in California and clearly did not make this withdrawal. Bank of America is claiming that they have up to 90 days to give me my money back. This is creating a financial hardship and I don't understand why they can't just look at the security video for the day and time the crime occurred and determine that it wasn't me. I filed a police report with the XXXX police. Either the teller is incompetent or they were in on the scam. In either case I should not be the one who has to wait to get the funds back. The bank is insured for these types of issues and it should not have to hold my money while they investigate. After 30 days they have been unable to provide any status on what they have been able to learn. That is totally unacceptable. 

I have missed time at work trying to deal with their mistake and have spent over 24 hours being on hold and being transferred to multiple people over multiple days. I also have an issue with a bill pay request that was pending during this issue when I had to create a new account. They also owe me {$140.00} for pulling the funds twice, once from my new account and again from my old account.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you
Consumer complaint received 2023-02-17
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 2021-08-12
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: Experian Information Solutions Inc. (WA)

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Consumer complaint received 2020-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Asset Recovery Solutions, LLC (MA)

I attended XXXX and received the following private loans from XXXX XXXX XXXX : Received {$10000.00} on XX/XX/XXXX Sent back ( {$2700.00} ) on XX/XX/XXXX Sent back ( {$5600.00} ) on XX/XX/XXXX Received {$1500.00} on XX/XX/XXXX Total- {$3300.00} ( plus fees ) I made payments to XXXX each month consistently until the balance said {$0.00} due. XXXX changed to XXXX, which changed to XXXX, which change to XXXX. There is now a company called XXXX which apparently owns the debt and they have hired Asset Recovery Solutions to collect. A total of SEVEN companies have been involved in this debt. 

I received several calls and letters from Asset Recovery and explained to them over the phone that the loan, as far as I knew, was paid in full. I explained several times to Asset Recovery that I needed a full accounting of this loan, starting with the original loan amount and a complete listing of each payment made. 

The burden of proof lies with Asset Recovery Solutions, not with me. They are telling me that I owe a balance of {$1700.00} however when making monthly payments on the XXXX and/or XXXX  website I paid until the balance said {$0.00}. This company has changed names FOUR times since my loan inception. 

Asset Recovery has failed to follow through with my request that I receive a full accounting of my account. Now, they are " offering '' to settle my account for 60 % of the original amount. They have completely ignored my request to send me a full accounting of what I originally owed and each payment made, probably because it is too much work for them. If they think I owe them money, then they must PROVE TO ME that I owe it. 

Further, I believe my credit score has been negatively impacted due to the actions of Asset Recover and I will make a demand upon them that they reverse their erroneous reporting of my account immediately to all three credit reporting agencies.
Consumer complaint received 2023-06-02
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (MN)

I live on XXXX and SSI for my daughter 's. The meds I have that work, cost in the hundreds of dollars. That being said, money is always right. When we were getting the stimulus check my bank account was in the hole {$250.00}. Knowing the check was coming was a relief, because it could pay off that overdraft, and give me a few extra $ . What I didn't know was the same night I got the stimulus payment ( XX/XX/XXXX ) the bank put the {$250.00} into the account to bring it current. Since I was expecting {$1700.00} having a qualifying child, I didn't notice that extra money was put in because I was expecting more. Fast forward to XXXX I see a message on my board saying the " {$250.00} loan '' was coming due. But don't worry, if it overdrew your account, they would waive the fee. So I called my local branch. The woman I spoke with didn't even know about the money being put into people 's accounts to bring them current either. So if SHE didn't know, what kind of notice did they give me? I never saw anything about " loan ''. When she came back to me to see what she could do for me, the best was to take off a couple of overdraft fees. She even commented they expect others to be in the same position. So now, because of this my account is once again in the hole, I get paid on the XXXX and my XXXX, XXXX, XXXX ( all of which is being exacerbated by this XXXX  ). What they did was wrong. I did not ask for it and because I am on a fixed income, this will destroy us and potentially leave us homeless. They need to be held accountable and bring my account to a positive balance like the stimulus check would have done in the first place.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Contacted Capital One previously and again on XX/XX/2020. I was instructed by XXXX  to ask Capital One to submit a request to XXXX  to have 2 separate credit card accounts for which I am an authorized user, added back to my credit report. The supervisor at Capital One stated that he did not work for XXXX  and that they don't send requests. He also stated that XXXX needed to add the accounts back to my credit report themselves.
Consumer complaint received 2020-07-03
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 whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with Bank of America. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, Bank of America and XXXX XXXX ). My visit to Bank of America, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX corner, SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With Transunion - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Consumer complaint received 2023-02-17
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. (OH)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.