davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Logging into Equifax and XXXX the websites are down ( 2 weeks now ). Can't get their computer answering system to work since it can't understand ( sometimes ) voice or pressing numbers. NEVER can get a person in any way to work through this.
Consumer complaint received 2020-05-29
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: CITIBANK, N.A. (CA)

Hi, I have filed a dispute for a charge on my statement in the amount of {$930.00} on XX/XX/2020 for a merchant who is not responding. 

I have called Citi cards  on probably 15 different occasions with no resolution on the dispute because there is no one available to help. 

I understand the Covid situation but come on. There is a limit to how unresponsive a bank can be. 

Best, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to report an inclusion of late payment from Account name CAPITAL ONE Account number XXXX on my consumer credit report. Capital One, XXXX, XXXX, and XXXX are violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines. 
15 U.S.C. 1681a ( 2 ) Exclusions. 
This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. 

It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. 

Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs CAPITAL ONE Account number XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MO)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ma XXXX Accounts # XXXX Creditor reference number # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report.

Sincerely; thanks I appreciate.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello My name is XXXX XXXX the parent of XXXX XXXX. I am writing this letter on behalf of a check that was sent to me on XX/XX/year> via regular mail. Upon receiving the check from the federal government social security XXXX, on behalf of my son. And being his pay representative. I deposited the check through the app by way of taking a picture, and having it deposited directly into my checking account. I was informed that the check would be available as of XX/XX/year>. When the funds were not available on XX/XX/year>. I made several attempts inquiring as to funds being released for the benefit of my son and paying for his household and medical needs. I was informed by Capital One reps the funds will be held until XX/XX/year>. Although Social Security had verified and shared that Capital One had cashed the check and the funds are just sitting there in the account but has not been released. Again, when inquiring with CapitalOne as to the funds being released, I am constantly being told they are waiting for an email form social security. Something that is non existing, when inquiring with social security. I am writing this email to you, for your assistance in having my sons funds released. As his medical needs are suffering because of Capital One wanting to hold onto his funds until XX/XX/year>, for no apparent reason, or full explanation. Should you need to review my account, it will show. I myself receive monthly survival benefits in that account and a biweekly payroll. Should there be a need to further substantiate with documentation, showing that I am my sons rep payee. Those documents are available upon request. 

Your assistance in this matter would be greatly appreciated. 
Thank you. 

XXXX XXXX.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I dispute some translation on my Wells Fargo bank but they denined many times .They say fist step their investigate team see those transactions was authorized because they send me link to put PIN code and just only me know this pin.My email address is same with bank account ..and said XXXX XXXX refuse refund. 
After I contact XXXX XXXX and send them my ID thief report number and explain my situation, They advised me contact Wells Fargo to help because only bank can do that, They check in system they never recived any chargeback request from my bank.I feel hopeless.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (GA)

TOTAL VISA XXXX XXXX XXXX XXXX GREETINGS, I'm responding back to the letter I received on XXXX. You failed to send my documents in

30 days. I requested the 1099C form, so I can properly review this account to see if it's mines. By the provisions of the 15 USC section 1681i of the Fair Credit Reporting Act, these items NEED to be investigated. Please again provide me PROOF of the 1 ) Security Interest,2 ) Full Disclosure and 3 ) Purchase agreement? You have to give me these documents it's the FCRA policies. This INACCURATE Reporting is a very serious matter that is affecting my life.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX. I made an attempt to Call Cash. App. I went on their cash app, it does not have a phone number or an email contact. I went on XXXX and asked for Cash App Customer Service I got XXXX XXXX XXXX. I called they answered Cash app. I told them I sent XXXX to a person in era. They had one number off from who I was suppose to send it to. They said, that person is saying I am fraud, and they need to verify who I am. They said my account with Cash app is frozen. But they will transfer the money to XXXX account directly. They told me to put in some codes. I did. Then all of a sudden. I go what is taking so long. They had pulled ( 4 transactions from my accounts ) XXXX from my account {$500.00} and {$99000.00}. and {$990.00} in total {$4800.00} from my accounts the Savings and the Checking with XXXX XXXX XXXX. I have tried to call the numbers. They say my number is blocked. When I hung up on them to go to the bank they called me back on a couple numbers, and these are now blocked. XXXX XXXX XXXX and XXXX XXXX XXXX. I can't reach anyone. XXXX is in the process of getting me a refund. But I am hearing and reading a lot of complaints of people getting scammed because cash app doesnt have a way to reach them so those who are scammers and putting in a false number and cleaning people out. Please help. Please help me, while helping so many others get justice. Thank you. XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I was charged multiple fees for a payment that was never returned. 

I attempted to pay CitiBank early in the amount of {$100.00}. 

When I checked my account, they processed my payment for {$100.00}, but then charged me {$100.00} for a returned check and also a {$30.00} late fee. 

Also, I was charged interest in the amount of XXXX for transactions that have since been removed from my account so this needs to be rolled back as well.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX  which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682
Consumer complaint received 2020-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have 3 children going to 3 different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked BB & T to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MS)

This company has diministrated harassment by called over 8 times within 2 days ( XXXX  XX/XX/XXXX & XXXX  XX/XX/XXXX ) for a payment of a statement dated XX/XX/XXXX, it has been only XXXX  days, this account has never been over 30days past due. As the contract is being reviewed and investigated for fraudulent and deceptive practices, it is imperative that this company refrain from further harassment. Per the fair debt collection practice act ( 15 USC 1692 ) they have already exhausted the 7 in 7 rule.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the bank and they have acknowledged that this account was fraudulent and have removed them. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. So, I'd like you to remove/delete the account from my report XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit 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: FIRST PORTFOLIO SERVICING INC (CA)

Today I received a NEW statement reapplying all the same charges I requested removed and also added other charges just as fraudulent. 
When I called them today, they said all the charges were mine and I had to pay for them even if I wanted to cancel the card ( which I definitely will after the question is resolved. 
They could not tell me what the charges are for only that they incurred at XXXX. I never ever bought anything through XXXX in my life ( my credit record can prove it ). 
Basically, they asked me to reopen the case by sending a letter explaining why I should not pay for the charges. 
These are bottom card, used mostly to rebuild lost credit, not intended for real purchases with a bizarre XXXX % APR.
Consumer complaint received 2020-07-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX I submitted an initial VA application for Mortgage for {$170000.00}. My case file was assigned to XXXX XXXX ( Loan Officer ). This individual made no attempts to contact me as of XXXX until I contacted Navy Federal for her to make contact with me. By this time I had lost the residence I was looking at. When the Loan Officer and I finally spoke I requested to increase the amount to {$300000.00} as I was looking at another property. I asked a variety of questions : To be provided with my VA eligibility letter, closing cost, etc ... Loan Officer responded to my inquiry to the best of her ability. During our phone conversation I informed the loan officer that inspection was scheduled for Saturday XX/XX/XXXX @ XXXX. I should have known by then that she wasnt paying attention. Anytime I was asked for something by loan officer it was provided within 24-72 hours. On XXXX I email the loan officer as to if she required anything else and she then informed me that my POC moving forward was XXXX XXXX ( Processor ) as my case was transferred to processing on XXXX. I then sent the processor the same email on XXXX, XXXX, & XXXX with no response. Processor finally made contact with me via phone and advised she did not require anything at the time. On XXXX processor requests documentation and was provided all information immediately. On XXXX I called to check on the final numbers and the Loan Officer was oblivious as to anything going with my case file especially since I was schedule to close on Thursday. I was very annoyed because she informed me that my close was for Friday vice Thursday that she was unsure of final numbers and status as this was with the processor. The loan officer advised me of a couple possible outfits but not of the one I received on XXXX. After speaking with the loan officer who informed me my processor was out I was contacted by processor XXXX XXXX who requested specific documents provided to both the loan officer and processor and all information was forwarded to her immediately so that she could see all this information was provided in a timely manner. At this point I felt that both the loan officer and processor did not do their jobs. On XXXX Processor XXXX XXXX reached out to me and informed me that she would be my processor moving forward that my case file was not complete due to an employee error and that she is aiming for an XXXX closing as she has been authorized a one review process vice two to get me to clear to close due to the employee discrepancy. By this time Supervisor XXXX was involved. On XXXX XXXX reached out to me again for additional information and all was provided and later on that evening she returned dreadful information of it being declined. I feel that Navy Federal has no intentions of affording options to get this resolved.
Consumer complaint received 2020-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (MI)

I sent a second written request to remove all the inaccuracies and unverified accounts on my report on XXXX XXXX I havent gotten a response back from Experian. I then wrote a 30 day non response letter on XXXX XXXX and still havent gotten a response. These inaccurate and unverified accounts are stopping me from getting a job and a house its very important that I get this removed! I have sent collection validation letters and they dont havent provided and verification to the accounts being on my reports so how is Experian saying they verified the information with the collection company when they didnt. I have not gotten any responses to my dispute letter that was spent. Do not close this complaint until this issue is resolved