davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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: NAVY FEDERAL CREDIT UNION (VA)

In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-25
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 (ID)

I disputed two charges under claims and defenses for services that I did not receive. 

Capital one refunded one of the charges, billed on XX/XX/XXXX, but not the other, billed on XX/XX/XXXX for {$150.00}. 

I never received the services, and I have sent many letters asserting my rights under claims and defenses. I want the charge for {$150.00} on XX/XX/XXXX reversed. 

In the most recent letter that capital one sent, they state that the transaction I was disputing was from XX/XX/XXXX, making it too old to dispute. This date is not correct, I did not even live near the merchant on that date. Capital one is fraudulently denying my claim.
Consumer complaint received 2020-09-15
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 am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (GA)

The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.
Consumer complaint received 2021-02-23
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: SYNCHRONY FINANCIAL (FL)

For more than two years, reporting this account as fraudulent, firstly through XXXX and through Synchrony with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Sychrony/XXXX  account # XXXX fraudulently opened XX/XX/XXXX with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/XXXX.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC. 

I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated. 

I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info. 

All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong. 

Thank you for taking on & reading my complaint Best, XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-28
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: CBC Companies, Inc. (TX)

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I am writing today in regards to my account with JPMCB Card Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.
Consumer complaint received 2021-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-09-15
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: BBVA FINANCIAL CORPORATION (NY)

I purchaised two air tickets on XX/XX/2020 each worth {$780.00} each and a service charge of {$39.00} which makes a total of {$1600.00} using B B V A credit card and the air line ( XXXX XXXX XXXX cancelled the flight due to covid..I requested BBVA to dispute the transaction and refund the money .They refused saying the merchant disagree.I contacted XXXX  XXXX and they want to charge {$400.00} for each ticket as cancellation charge though the govt. said no cancellation charge be made due to covid. 
Also I disputed three charges that are not authorised by me EACH WORTH $ XXXXand they did not refund the money even after my dispute. this card is being charged {$25.00} each month even after my cancelling the card.The total charged amount is {$75.00} I need the money of both REFUNDED.THE CREDIT CARD COMPANY IS NOT DOING ANYTHING.
Consumer complaint received 2020-09-15
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. (FL)

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2021-07-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2020 a collection letter was sent to me by Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MI)

I received a letter from American Coradius International , LLC, dated XX/XX/2020. I received the letter on XX/XX/2020. The letter is for an alleged debt with XXXX XXXX XXXX in the amount of {$290.00}. I do not owe this debt as I have never had an account with XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX, and confirmed with them that there is no account in my name, attached to my phone number, or the account number provided by the collection agency. 

On XX/XX/2020, I sent a certified letter, return receipt requested, to the collection agency. There are 2 addresses listed on the letter and I sent a copy to both addresses. 

When researching this, I found that the XXXX  has at least 174 complaints about this collection agency. 

I have also reported this to the U. S. Postal Service.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I had sent XXXX XXXX dollars to my friend through Venmo. 
Later in the day, my friend indicated she did not receive the amount. I had emailed Venmo to resolve the issue. Venmo responded by stating " it is in her account, she need to transfer the money over. '' However, the amount was not in her account for the transfer. Therefore, I sent the venmo picture of my friend to her to verify. My friend said, " that's my picture on my XXXX, but that is not my account. '' I had emailed Venmo back to notify them fraud has occurred. Someone is using my friend 's first and last name, her picture but a different, other than my friend. 
Venmo responded requesting all the information between my actual friend and the other account. Venmo team stated they will investigate. I sent the information as well as attaching the XXXX different accounts with my friends pictures on them both. My friend only has XXXX account. 
Venmo then responded stating I need to follow up with my local law enforcement!!!!! 
At this point, Venmo has not notified me of anything else they are doing abou this situation, and indicated I will not be getting my money back. 

Please help. I do not believe Venmo is following up, poor customer service on their behalf. 
Extremely concerned this is happening on Venmo especially when so many people use this service. Something needs to be done so this will not happen to anyone else!
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

XXXX  XXXX  continued to bill me after I cancelled my insurance policy years ago. I told them more than once that I no longer wanted their insurance and they said on multiple occasions that I would not be billed. However, they billed me anyways and sent the bill to debt collection without contacting me. I had no idea until I ran a credit report recently. I do not owe them.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax placed a Fraud Security Alert on my credit report due to their OWN data breach. 

This is causing me to be DENIED credit because Equifax is storing INCORRECT identifying data about ME! I am also receiving mulitple hard inquiries on my credit report, lowering my score ILLEGALLY! 

I tried to remove the Security Alert by a phone call to Equifax today. I could not remove it because EQUIFAX is storing incorrect personal data about me! 

SO frustrating! I need a new refrigerator!! My credit score is above XXXX and I can not get credit because Equifax will not verify my ID when XXXX or another appliance creditor calls! They will not verify ME when I call! 

Equifax will NOT remove the security alert on its website, only by phone or snail mail. I am NOT sending personal documents by mail and waiting months for this to be remedied This should have NEVER happened in the first place!. I NEED to purchase a REFRIGERATOR! Exacty how am I supposed to do this when Equifax refuses to correct thier OWN error?
Consumer complaint received 2020-09-15
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)

I am a victim of identity theft. Someone unknown is using my name and my information and opened accounts on my name that are unauthorized and fraudulent. I filed the report with the FTC XXXX and contacted the creditors and bureaus about this manner.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of James R. Vaughan, P.C. (AZ)

Hello My name is XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX az XXXX. I have been getting court letters from a collection company name Law Offices of James R Vaughan Case # XXXX. I was victim of family fraud and someone on my behalf used the credit card and credit had a balance of {$9600.00}. This is with chase bank. I called chase bank and they said the balance is still {$9600.00}. The collection company has been charging the interest fee and made balance of almost XXXX. Even though I dont owe due to fraud, I still tried to settle it but collection company is not agreeing and kept saying chase is not accepting any settlement. I called chase, they said the balance is charged off, so I dont even have to pay anything on this card as It is charged of and will remain on my credit. The collection company keeps threatening me and sending garnishment letters to my part time employment. I am trying very hard in this pandemic to make some income but they are not ready to talk to me. I spoke with XXXX from the Law Offices of James R Vaughan today XX/XX/15 and he just hung up by saying no offer. you have to pay XXXX and interst will still keep accruing. It is affecting me mentally and I am not in a condition to hire a lawyer. I tried reaching out to one lawyer and they said Bankrotcy is an option. Well I dont want to ruin my credit for ever by filling bankruptcy when I ready to make settlement and collection company is not ready to work with me, The case was disslved in XXXX XXXX and they again renewed it. I need help.
Consumer complaint received 2020-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

According to my credit report Gulfcstcol received this account from another collector of which I did try and contact and explain what was going on. Thought all was well and then I seen Gulfcstcol had put it on my credit report as derogatory remarks and owing {$250.00}. First of all they  have repeated the charge twice, dated XXXX, making it look like two charges now. Secondly the first charge never should have been on there at all as I was under XXXX XXXX at the time and went into hospital and they were accountable for the charges.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

Identity Theft! I received an update from credit bureaus that there is a negative item reporting on my credit. Upon inspection, I noticed there were accounts open that were not mine. I tried calling to resolve the issues but no one was willing to help.
Consumer complaint received 2020-09-15
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 (NY)

Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' This is not right! I called and told the Rep the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Have always paid my bills on time! They don't care about the average customer. The Rep didn't even try to help me!