davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found inaccurate fraudulently information on my credit report. A hard inquiry at that from XXXX XXXX XXXX XXXX dated XX/XX/2022. I contacted this company transunion about it. Spoke with several agents who denied of inquiry being fraudulent or unauthorized. Stating its a statement of fact. Which is clearly untrue when they're consumers daily getting their information hacked and fraudulently used. I have also contacted XXXX XXXX of this. And stated my frustration. i was also told to send my information such as ss number, date of birth, name, phone number through the mail in order for transunion to dispute it which i declined. Why would i send my personal information VIA MAIL TO ANYONE. i dont even trust the employees who work for the credit bureau because they could be frauds..and secondly, i know every company has a fax so why is mail the only option in order for them to help.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is reporting incorrect information on my credit report in reference to an account with the nameXX/XX/XXXX account number XXXX XXXX I settled the debt in full with the collection agency, and the removed the debt from my credit, but the original creditor still remains on the account even though the no longer hold the debt and sold it off to the creditor, whom I paid in full. This is a violation of my Fair Credit reporting rights, because they original creditor XXXX XXXX XXXX XXXX off this debt on their taxes, and made money on selling the debt to the collection agency, and they are still reporting it on my credit as if I owe them, which is hurting my credit score.
Consumer complaint received 2022-01-14
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Within XXXX hours of filing a complaint with the CFPB, I was locked out of my online account. I am no longer able to access my online account in any way. I called the company, with no results, the man I spoke to babbled for a long time, and I just told hum, if you can't fix this just say you can't fix this and stop wasting my time. I currently have no way to verify if Citizens One Bank has fixed my original problem ( I paid my monthly mortgage payment with additional principal on XX/XX/21, the payment was verified by my credit union, their bill pay service and Citizens One Bank online account summary. My entire payment was credited to the loan principal and not mortgage payment and additional principal as was directed. ) I was told that due to my account being delinquent, I can't access it, so how am can I find out when and if my account gets fixed?? I have repeatedly tried to be proactive and resolve this issue, without luck. I have called multiple times and now have a total of on hold time of XXXX hours, with the only response of " we might have it fixed in 5 days '' however I have no way of verifying this. My concern is that this issue, completely caused by Citizens One Bank is going to be reported to the credit reporting agencies, and then the burden of getting the information removed will fall on me.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I purchased a {$200.00} Visa Vanilla gift card at XXXX on XX/XX/2021 and when I went to check the balance before spending it in XX/XX/2021, I saw that the funds had been stolen on XXXX XXXX  in 40 transactions of {$5.00} each. 
I called the number in the back of the card many times and provided them with all the information they asked since XX/XX/2021. So far, every time I talk to " Vanilla VISA '' they say XXXX realized the expenses were fraudulent and returned the funds to them, and that my refund is in the way, but it never arrives. Every time I call the clock resets for another 2 weeks wait. I feel Visa is scamming me too, and as a matter of fact I am not sure I am dealing with them at all. I would think Visa would be a more reliable company to deal with. 
What can I legally do to get my money back?
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 Capital One withdrew/ stole {$2000.00} from my checking account without my authorization. Under the Fair Credit Reporting Act, banks, in this case Capital One are not allowed to take funds out of my bank account for my credit card balance. The codes specific to this are XXXX ( a ). It is to prevents this ( $ {$15.00} USC 166 ( h ).

There is a federal law that states that credit cards can not be offset. Federal truth in lending regulations prohibit a bank who is a card issuer from appropriating deposit accounts to pay debt on a card that it issued.

( 1 ) A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.

Capital One Quicksilver Credit card is the company stealing bank funds without authorization. 
Ally Checking Account is where funds were taken from without authorization. 
The latest billing statement was for {$130.00} that was due on XXXX XXXX 2022. Something is definitely wrong when {$2000.00} is used as payment without my knowing. Capital One to my understanding is breaking a federal law that protects credit card holders. 
The problems stem from the higher levels where they allow and encourage these criminal activities to occur. This is probably not the first time Capital One has committed fraud and broke federal laws upon its customers and probably not the last
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW EQUIFAX, XXXX and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened an account with Regions Bank after receiving a personalized offer in the mail. The offer stated I'd get a {$400.00} bonus for opening a new account if certain terms were met within the first thirty days. Here are the terms presented to me on the flyer I received in the mail : -Register at regions/com/offer using your personal code -Open your new personal XX/XX/XXXX checking account by XX/XX/XXXX, and enroll in Online Banking within 30 days of account opening -Use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Almost any CheckCard purchase counts, including bill payments, online chopping and subscription services, as long as you use the XXXX number -Your {$400.00} bonus will XX/XX/XXXX deposited directly to your new checking account with 90 days of completing the above requirements I opened my account online on XX/XX/XXXX right about XXXX XXXX and funded the account at that time. I didn't receive the card for my account until XX/XX/XXXX and it was postmarked XX/XX/XXXX. I've attached an image of the XXXX mail ( which I get daily ) showing the card being delivered on XX/XX/XXXX from their address, XXXX XXXX XXXX XXXX, AL XXXX. Even getting the funds at the time of opening my account to Regions took XXXX days. 


The very next day, I started using the card. Between the first day I used the card, XX/XX/XXXX, and XX/XX/XXXX, I used the card eleven times. Within that window, the last two purchases were made on XX/XX/XXXX ( Thursday ) and XX/XX/XXXX ( Friday ). The charges are attributed to XX/XX/XXXX, when Regions say they " cleared ''. 


This week, I've reached out to the bank via a branch, and two different calls. Each time, I was told I wasn't going to get the bonus because I didn't make the purchases within the first thirty days ( not true, based on Regions own account info ), and that the first day I opened my account ( XX/XX/XXXX ) was counted as one of the days counting against me. I repeatedly said that thirty days means twenty-four hours, thirty time. I didn't have a relationship with Regions bank for most of XX/XX/XXXX. To say that counts as a full day it pretty ridiculous. I know the charged amount " cleared '' early in the morning, earlier than the time I actually opened my account on XX/XX/XXXX. So not only were the purchases certainly completed before thirty days within opening my account, they " cleared '' before the thirty days ( 24 hours ), I opened the account. 


Regions Bank made me an offer and it making up the definition of a day
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-28
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)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The KIAMOTORS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

KIAMOTORS XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (IL)

On numerous occasions Credit Acceptance has used abusive, false and misleading collections practices, all in an effort to bully me into paying a debt I dont owe. Theyve refused verification of debt acknowledgment 's according to 15 USC 1692g. The process only verifies that Im the original creditor. Theyve slandered my name and posted negative information to my consumer report, which is a direct violation of 15 USC 1666b and 1666a.

Recently they tried to repossess my vehicle and force me to renter into the same alleged contract which contains blatant violations of TILA, FDCPA, FCRA and empty disclosure 's in an attempt to harm me financially the consumer/natural person. The most recent violation are Harassment and Abuse 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) 15 USC 1692f ( 5 ) ( 6 ) Unfair Practices all violation to federal consumer debt collections laws.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I was charged to separate transactions on an American Express card of mine that totaled over {$30000.00}. Upon calling AmericanExpress, they agreed that these were not my spending habits and not to worry about it. Originally they removed the charges. Several weeks later I received a call from someone that worked for American Express. He stated that they have evidence linking the charges to me ( even though I could not imagine how that was possible ) I suffer from severe anxiety and when the man from American Express told me that if I did not retract my statements stating this was fraud then he would be reaching out to the FBI and I would be imprisoned for a long time. At the time I panicked and said okay fine just say they weren't fraud. He stated " I can't do that, you have to call the number on the back of your card and say it was not fraud. I did that. After a couple hours I thought something didn't make sense, when I called American Express they said they would never do that. A week later I called again and they said they can't help me. I requested all " proof '' they have of me spending this money, over a 6 month time period they continued to tell me that the proof was in the mail. It never arrived. I was put in a horrible position and suffered from this. I am not someone that won't pay my debts, I am not a criminal, I am not a crook, if I charged something I will pay it. But someone needs to investigate this, it is not fair. Please Help. Just ask for this " proof '' they claim to have.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified the consumer reporting agencies XXXX, transunion, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.