davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: Resurgent Capital Services L.P. (VA)

This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # LVNV FUNDING LLC XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report.
Consumer complaint received 2022-12-08
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 (MI)

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX in the amount of {$1400.00}. I contacted XXXX and they were able to refund the {$1400.00} into my checking account and stop payment to Capital One. I thought that this was going to be an isolated incident. 

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX again. This time the amount was {$66.00}. XXXX XXXX XXXX again processed a stop payment and did an investigation of why this continued to happen. The {$66.00} was returned to me within XXXX weeks or so. XXXX 's investigation showed that another XXXX XXXX XXXX member with a very similar account number was likely making over-the-phone or some other kind of XXXX time payment and giving the wrong account number. XXXX also initiated a block of some sort to keep this from happening again. 

On XX/XX/2022, I noticed a pending debit transaction via ACH of {$110.00} from Capital One Credit Card in my XXXX XXXX XXXX checking account. I called XXXX. They were able to issue a stop payment for this XXXX transaction. The representative was very helpful at XXXX in listening to my complaints and offering suggestions. 

I asked for the tracer number for XXXX of the transactions hoping to call Capital One and request that they look into these fraudulent ( although perhaps accidental ) transactions. XXXX representatives at Capital One Credit Card told me that since I wasn't a customer, there was nothing that they could do for me. Both of the representatives were rude and didn't seem to care that Capital One was periodically initiating fraudulent transactions in my account. 

Now I am asking for your help in resolving this matter. XXXX XXXX has been great, Capital One not so much!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following Items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-01-04
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. (OR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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: Bread Financial Holdings, Inc. (GA)

I checked my XXXX XXXX  account, and this Hard Inquiry on my XXXX report : " '' COMENITYCAPITAL/XXXX  Reported : XXXX XXXX, XXXX  {$0.00} In good standing Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$0.00} Credit limit $ 14300 Monthly payment No Info Opened XXXX XXXX, XXXX  '' '' No Contact number on the Inquiry, only a mailing address, red flag to me, plus I did not apply for a card from them, so I looked it up online COMENITYCAPITAL/XXXX  and called XXXX : They could not confirm my I had an account with Name, address or phone number. Ask me for the 16 digit card number, but I have not even received a card. 

I called XXXX, and they directed me to the FTC XXXX and that referred me to this website. 

I am not sure what to do? 
Please advise. 
Thank You!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are : XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year> - My son ( XXXX XXXX XXXX and my ( XXXX XXXX ) checking account was emptied to pay for a fraud claim that happened to my daughter XXXX XXXX account. I opened up both accounts for them when they were teens so I am listed on bot accounts. XXXX reported the fraud immediately. The bank is now saying that the money that was in XXXX XXXX 's account was taken because it had my name on the account. They are refusing to give my son his money back and they took all of XXXX 's money out of her accounts even though she was a victim of fraud. Bank of America has victimized my family for being a victim of fraud and this truly should be unlawful. This has truly been a tramatic nightmare for all of us and I don't understand how a financial institution can victimize customers that has been a client of theirs for over a decade. I truly need some help from someone because I am at my wits end. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Please find below a copy of my email to Amex that describes what happened. 

De : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMPLAINT - missing Hilton points XXXX Offices Dear Sir/Madam, I have been an Amex Hilton cardholder ( XXXX ) since XXXX at various levels. On XXXX XX/XX/XXXX, I upgraded my card to take advantage of the XXXX bonus offer I received in an email. I fulfilled the condition of spending {$3000.00} and earned XXXX. Because I reside overseas, I do not use the card often currently and I downgraded the card on XXXX XXXX. On XXXX XXXX, I realized that I did not get any Hilton points since the downgrade ; namely XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totalling XXXX points. ( please see 3 attached statements. ) I called Amex from XXXX, XXXX on XXXX XXXX and spoke to numerous agents and spent well over an hour on the telephone. Finally, I spoke to XXXX XXXX XXXX XXXX ), a supervisor in XXXX, XXXX. I explained to her the issue and she said she was going to call me back that day or XXXX XXXX. I waited but she did not call. 

I contacted Amex again on XXXX XXXX XXXX XXXX time. I first spoke to XXXX XXXX from XXXX XXXX, Texas but she could not locate XXXX XXXX as there were no notes left in my account from XXXX XXXX conversation with her. She was able to put me through to XXXX XXXX after speaking to her supervisor. Unfortunately, I got the same answer that I would not be getting any points since the downgrade until I reach XXXX points by spending. 

My complaint is based on the following : XXXX ) this was never mentioned at the time of downgrade XXXX ) this is not stated on any of the XXXX statements ( XXXX, XXXX, XXXX ) where it says I EARNED the afore-mentioned points. 
XXXX ) had I not realized I was not getting any points XXXX XXXX, I would continue spending on the card since I received no email/communication in this regard. 
XXXX ) I am now told that the rule of not getting any points since the downgrade until I reach XXXX points by spending is applied not until 12 months since the upgrade, ie XXXX XX/XX/XXXX BUT indefinitely ( which of course leaves me with almost no Incentive to keep the card. ) Having been an Amex Hilton cardholder since XXXX with impeccable standing, I strongly feel I have been misled and that I am owed XXXX Hilton points based on my spending through XXXX XX/XX/XXXX. 

I asked all agents that I spoke to including XXXX XXXX and those on the chat support to which outside bureau I could turn if my complaint is not resolved satisfactorily. None of them could answer. I found out through XXXX search that I can submit a complaint to Consumer Financial Protection Bureau. I am surprised structured complaint handling is not in place at American Express. I sincerely hope that you will be able to intervene and resolve this complaint satisfactorily. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-01-03
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. (AL)

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XX/XX/20 delete
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2023-01-31
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: Blackhawk Network Holdings Inc. (CA)

XX/XX/XXXX XX/XX/XXXX, purchased of four Visa Gift Cards, XXXX {$50.00} and XXXX {$100.00}, from a XXXX  store, XXXX XXXX XXXX, XXXX, CA XXXX. Presented the XXXX {$100.00} cards as a wedding gift and the XXXX {$50.00} cards to relatives as gifts. While trying to access the funds, it was discovered that all XXXX cards had been compromised and all XXXX had XXXX funds available. XX/XX/XXXX, I contacted XXXX customer service, Gift Card department who took the information and requested I send a picture of the purchase register receipt along with a picture of the front and back of the cards. I complied and was told their research team would get back to me. In the meantime, they instructed me to contact and file a claim with XXXX. We complied and paperwork was filed with XXXX. XXXX responded that it was a XXXX issue and XXXX stated it was a XXXX issue. XXXX said they would investigate, and they had 90 days to get back to us. 90 days passed and XXXX stated the claim was denied because the cards were used. I reiterated that the funds were not available and were not used by the persons who were in passion of the cards. I asked them to provide me with the ; when, where and by whom? Visa refused to provide that info information. However, Visa did send a replacement card for XXXX of the {$100.00} cards. 
I am seeking restitution for the {$200.00} outstanding funds. The XXXX {$50.00} cards and the XXXX {$100.00} card. Along with the {$22.00} transaction fee charge by XXXX. 
This purchase was made in good faith from what I thought to be XXXX reputable companies who both failed to deliver by providing unusable products. 
Conversation notes, emails, card images and register receipt is available upon request. 
Thank you in advance for you time in this matter. 
Regards, XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- 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.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal was giving fema disaster assistance loans and credit cards. When I called in to see if I qualify since im in a disaster area they said I could apply for a loan with no credit impact. Also I asked could I request no interest on my credit card at this time. They not only ran my credit and put a inquiry on my credit report they added in tree charges to my credit card and never responded to my request of no interest at this time.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion only sent me a credit report saying verified not giving me how they verified this information. This was a XXXXXXXX XXXX account that was proven it was fraud and XXXX XXXX removed from my credit report in XXXX XXXX XXXX XXXX  it was filled as a collection 2 years later. Please protect my consumer rights and delete this off my credit report
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have reached out to Experian numerous of times regarding this incorrect information that's reporting upon my entity by a particular data furnisher. They are reporting an account on my credit report saying that it's still owned by XXXX XXXX when in fact it has been sold to another data furnisher and that's not being stated at all. This FCRA states that all information must be completely accurate and truthful. This company never responded to me in the slightest proper of time at all, when that's violating and unlawful as well. I have been trying to get account validated for XXXX now, which I have consulted with my consumer attorney, and I will pursue litigation. He told me to file a complaint with this company and see if we can get this resolved. I want this DELETED off my credit entity permanently. Also, another fact this was deleted and reinserted inappropriately, so this company has breached so many rules and regulations put in place for any consumer. XXXX XXXXXXXX XXXX XXXXXXXX