davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We were scammed by who we thought was a XXXX customer support person when needing help with a XXXX transfer to us. The scammer got us to believe that we were increasing the amount to send/receive from XXXX to the default of {$2500.00}. He provided us with what he called a system generated code, which was in reality a phone number that made us make an unauthorized transfer of {$1600.00} from our account. 
Immediately we contacted our bank, Capital One, and told them what just happened while we were still on phone with scammer. We filed a fraud claim with Capital One. They restricted our accounts and we opened new accounts. After about XXXX weeks, we got a vague email from Capital One that claim was denied as they found no error. We called Capital One and requested an appeal and for claim to be reopened for a rebuttal and provided them with all information we had before. We are waiting for their investigation. 
The claim number with capital One is XXXX.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VT)

on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (PA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (GA)

I have multiple inquires on my credit report. I have attempted to resolve with credit reporting agencies but no changes have been made. The only information that was given was that the information is correct and accurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX and Macys have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first Macys card was closed because you cant use a XXXX XXXX as a physical mailbox. Another Macys card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which Im being held responsible for. I have tried several times to resolve this issue to no avail. 
XXXX XXXX XXXX closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with XXXX XXXX XXXX, my XXXX XXXX has not incurred a late payment in over 5 years, yet XXXX XXXX XXXX for years is reporting to the credit card bureaus the status of a closed account as if its current. 
As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third Bank purchased my mortgage from XXXX Mortgage on XX/XX/XXXX. 
I made my first payment on XX/XX/XXXX for my XXXX payment and set up auto-pay with my bank. 
Escrow changes changed the payment in XXXX resulting in a short pay on my part. I paid the difference and assumed everything was fine. Without my knowing, Fifth Third applied both the short pay of {$1300.00} and the difference payment of {$68.00} to my principle instead of my payment. I continued to think I was paying three weeks early and Fifth Third showed my always paying on the XXXX of the month the payment was due. This was not a late payment on their part so they never mentioned it. Fast Forward to the escrow change in XXXX. I adjusted what I thought was the correct payment but I was off by one month due to the issue in XXXX. This is when I discovered what happened. I asked for a review and correction. After a week, that request was denied. I paid the difference over the phone which brought my account back up to date. Then they sent my original short pay back to me. I called to explain but they told me I overpaid and that is why they sent it back. I knew this was wrong. I deposited the money in savings until we got it worked out. The following week my credit score took a hit from Fifth Third Bank reporting me late. I called back and was advised of the numbers to call to protest. 
The following week I got a note from my bank that Fifth Third had stopped payment on the check. I had to pay an additional {$5.00} fee. 
So another call to Fifth Third resulted in the following : XXXX. They will not correct the credit score issue. That is my fault XXXX. They will not send me {$5.00} to off-set the fee from my bank for the stopped payment. 
They advised I should have known not to deposit the check they sent to me. The letter advising they were sending it back is auto generated. The Agent I spoke to when I made the extra payment advised she would try, she never said if you get a check tear it up. 
And when I called about receiving it they never said they were stopping payment. 
I have had mortgages since XXXX. I have never dealt with such a poor run company that takes such terrible care of their Customers.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

I would like to request that the original contract that I signed to create each debt on my credit report and then the original balance from the original company that I signed the contract with and then also the contract that says that the original creditor has sold the debt to the creditors that are now claiming the debt and I would like them to furnish them within the next 30 days amd if they can not furnish these documents then I request that all the items that have not been validated be removed immediately thank you and have a great day. Also the debts I am talking about are from XXXX XXXX andXX/XX/XXXXXXXX mainly but every debt that is claimed against me must be first validated by the company and furnish the documents within 30 days
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (AR)

I received an order from XXXX XXXX XXXX where XXXX XXXX had filed a judgement against me for a credit card debt. In the complaint she threaten to take my social security, she wanted my checking account #, she threaten to get a lien against my home, vehicle, wanted to know my assets, if had any guns, jewelry. I went to the XXXX XXXX XXXX and answered the complaint stating that I only receive Social Security. I sent the XXXX law firm the answer on XXXX XXXX certified receipt requested. On XX/XX/XXXX received another judgement from them.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

XXXX {$2600.00} ive tried disputing with them explaining to them that I am a victim of identity theft XXXX XXXX - XXXX {$1500.00} ive disputed this account several times, XXXX, I have no knowledge of this account XXXX XXXX XXXX XXXX Last updated XX/XX/2023 Balance {$110.00}
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

My XXXX and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my husband and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXXXXXX we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

On XX/XX/2023, Citi Bank presented me with an offer to receive a {$450.00} bonus for opening an XXXX XXXXXXXX account. I was presented this offer after logging in to my account. The bonus required depositing {$50000.00} within XXXX days of opening the account and maintaining that balance for 60 days after the XXXX day funding period. I deposited {$50000.00} and those funds were posted to the account in XX/XX/XXXX. In XXXX, I confirmed with a Citi representative that the offer was attached to my account. I also received a physical copy of the offer terms from Citi Bank via standard mail. I confirmed with an agent on XX/XX/XXXX that I had met all requirements and would be receiving my bonus within the next month. I should have received my bonus XXXX XX/XX/XXXX ; however, it was never deposited to my account. 

On XX/XX/XXXX, I initiated case XXXX with an agent as I still had not received my {$450.00} inventive. On XX/XX/XXXX, I received a response from Citi Bank notifying me that I wasn't eligible for offer XXXX as I wasn't targeted. 

A few things : -I was targeted by Citi immediately after logging into my account -I received confirmation of the offer via email and physical mail of my offer details -On multiple instances, agents informed me that I was enrolled and met the offer terms This really seems like a bait and switch by Citi bank. Target customers for new account promotions and then refuse to pay.
Consumer complaint received 2023-06-30
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 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 2023-06-30
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: Early Warning Services, LLC (FL)

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the XXXX XXXX  to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-30
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: Early Warning Services, LLC (FL)

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (NC)

The balance reflecting on my credit report is showing current balances due for each XXXX account. If the balance is no longer being pursued why is there still a current balance due. I have filed the 1099c on my taxes. So technically the balance on my credit report should be XXXX because i have absorbed that on my taxes as income.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (UT)

I submitted an online ACH transfer at Marcus by Goldman Sachs Bank of available funds to a linked and verified external account, which Marcus by Goldman Sachs Bank accepted. 

Then, Marcus by Goldman Sachs Bank called me the next day and told me that they were rejecting my transfer request without any reasonable explanation why. 

Then, Marcus by Goldman Sachs Bank transferred the funds anyway, but because they told me that they had rejected the transfer, I don't dare attempt to access those funds at the external bank. 

Based on this experience, I would strongly recommend that no one do business at or with Marcus by Goldman Sachs Bank. I certainly will not be doing so much longer, as soon as I can get my hands on my money.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have checking account with Bank of America, it is a payroll account. There is a XXXX Bank account holder who was debited my account of {$11000.00} by XXXX for a period of a year. I reported the transactions to BOA. I send hard copies by email to BOA. I press charges to the XXXX account holder. I sent the police to BOA. Until now the never refunded the money. Anytime I call, they something else. I have been in this situation since XXXX XXXX. Can somebody please help
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.