davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Since XXXX, Equifax informs me of technical issues with credit file and to mail in another SS card and photo ID. Last week, told to send to a po box , and today a different po box . Documents were sent about 2 years ago for the legal name. The legal name change is added to file, and it reflects XXXX XXXX as well. I'm unable to move forward with financing. They advised the fraud alert was removed, but when puling credit, it is not. Now, send the same documents to correct the file - 'it 's a technical issue ', but no one can tell me what this means. If I truly need to place an alert or a freeze. this will cause an issue- if so, I will be mailing documents for the rest of my life. I am requesting EQUIFAX to fix my file entirely with no issues.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I made a {$1100.00} payment on XX/XX/XXXX and made a second payment of {$1200.00} the next morning. As soon as I realized my mistake, I requested a payment refund check. Capital One confirmed the funds were available and would be pulled from my account and that they could not cancel my payment. 

I was told it would take 10 days to receive the check. After 10 days had passed, I called them and they informed me that it would now be 20 days! 

On XX/XX/XXXX, approximately 25 days after the Refund Check was cut, I still had not received my refund check and asked them to process a stop-payment on the check and cut a new one. 

I received the refund check on the XXXX and called Capital One to see if there was anything that can be done. They informed me that they could not see a stop-payment on my account and that I was to deposit the check. 

I deposited the check in the XXXX of XXXX and the check bounced on XX/XX/XXXX. I was given no prior warning that I was given the incorrect information regarding the check and only found out when the that was {$1100.00} in my account got pulled out ( due to a bounced check ). Capital One also never processed a new check to be issued or cut to me after the stop payment was processed. 

It is now XXXX and I still do not have my {$1100.00}. They are telling me the only solution is for me to wait an additional 10 days. It should not be the banks clients/customers responsibility to bear the negative repercussions of your employees mistakes and errors. 

Please help me reach a resolution regarding this and for me to get my funds back. I have been having to figure out how I will make mortgage payments, provide food for my family, and make payments for utilities and this is all due to the incompetence of their employees.
Consumer complaint received 2024-10-16
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. (IL)

I'm REWRITING to complaint to TRANSUNION about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-10-03
Product: Credit 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: NAVY FEDERAL CREDIT UNION (MD)

The charge was for XXXX on XX/XX/year> for crypto.com. I have used the XXXX XXXX before but never authorized for this amount. Navy federal credit union didnt contact me or send a message for fraud I never ever used this amount on any of my credit cards or debit cards they seem like they are not doing a proper fraud investigation. XXXX the company stated my account was compromised and they wont be able to give me a refund I need to dispute it with my bank for fraud thats what I did I havent had any help.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/year> I awoke to finding out that fraudulent activity had taken place on my account. I immediately called Navy Federal Credit Union upon calling and verifying my information the automated system informed me of a declined transaction which I replied and let it be known that i did not have any knowledge of this declined transaction which at that point I was transferred to a woman in the fraud department after explaining the situation of fraudulent charges the woman I talk to looked at my account and informed me of other declined transactions which had been attempted I informed her also that I did not make those transactions nor did I make the transactions that had been approved ( {$400.00}, {$300.00}, and a few {$1.00} ) none of this was of my doing nor of my approval the woman told me she was putting in a claim and to check back in XXXX to XXXX business days which I called back on XXXX XXXX to find my claim was denied on that day I filed an appeal in which today XXXX XXXX I find out it was also denied I feel someone isnt doing a proper investigation or I am being lied to either or I do not have {$700.00} plus dollars to loose I need my money replaced please I did not make these transactions or please have someone contact me on this matter cause I am absolutely willing to press charges you can check the atm cameras or whatever needs to be done but this definitely was not a transaction I made or approved
Consumer complaint received 2024-09-02
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC (SC)

I contacted Loan Depot by phone, XXXX XXXX, to obtain their current finance rates for a refi or Home Equity loan. I did NOT complete an application or ask to be considered for a loan, all I wanted was their current rates. I provided some basic information they requested for the quote. Inquiry # XXXX. 
Their rates were too high. 
ON XXXXXXXX XXXX XXXX Loan Depot sent an UNSOLICITED EMAIL, that " confirmed they had received a " mortgage inquiry '' and to proceed the the process to call XXXX. I NEVER CALLED THEM and unsubscribed from further emails. 
On XX/XX/XXXX I received another email about a rate drop, I unsubscribed again. 
Nothing after that until XXXX XXXX when I received ANOTHER " special offer '', even though I had 'unsubscribed '. 
On XXXX XXXX I received XXXX COMPLETE LOAN applications with loan disclosures and copy of my credit report in hard copy via XXXX. THIS was never requested. I XXXX notified me that my credit report was " run '' and my XXXX score had gone down, XXXX pts to just over XXXX. 
This is a sham process that when I called Loan Depot said is 'standard procedure ' for Mortgage Inquiries!! Running credit reports without authorization should not be " standard procedure ''. This should NOT be allowed.
Consumer complaint received 2024-10-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (SC)

This is the fourth or fifth time a collection agency has contacted me about owing this amount. This has already been disputed in the past for the previous attempts. I do not how know how they are able to do this. This seems very illegal. The name of this collection agency is Radius Global Solutions and their number listed is ( XXXX ) XXXX. The amount they are trying to collect is for {$1500.00}. Again this has been an ongoing attempt every year but they keep getting disputed. Once they are disputed they sell my information to the next collection agency. I do not know how to prevent them to stop selling my information. You would think they got the hint with all the other attempts that this is fraud due to identity theft. The frustrating part is that my credit score keeps going down to the XXXX every time this happens. Once disputed, my credit score does not return to it original score. I keep losing XXXX points every time this happens. I was almost at XXXX and after the past 4 times of this happening, I am close to XXXX. When calling the number, these guys are impossible to deal with because they just care about the debt being paid. They do not care if it is identity theft they just automatically keep asking " how would you like for this? '' PLEASE HELP ME!!!!!
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I " rent '' a XXXX XXXX XXXX from Chase. It does not work. I have gone through the tech support process with Chase and they are unable to fix it, but are also refusing to remove it from my account. They are forcing me to pay XXXX XXXXXXXX for a XXXX XXXX  that I can not use. I had an appointment with their " tier 2 '' support team on XX/XX/XXXX XXXX XXXXXXXX, and they failed to call. They are charging me for a product I can not use and they refuse to support. This is FRAUD.
Consumer complaint received 2024-10-16
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)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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.

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
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, I received an alert from my bank that there was activity on my credit report. I checked and Bank of America of American had issued a credit card in my name to the tune of {$7500.00}. I immediately contacted Bank of America at XXXX, I spoke with XXXX ( spelling? ) and informed her of the fraudulent activity. While she would not provide me with the address of where the card was going, she did confirm it was not coming to me. She stated she would forward the the information to their " fraud '' dept and asked if I would like a copy of the credit application. I advised her that absolutely I wanted that copy. 

I have always had a fraud alert on my credit report ( all three ) and NO institution should be issuing credit without contacting the number listed on my credit reports. I received no such call. 

On top of that, the only correspondence I have received from Bank of America is the the received my inquiry into my account. I don't even know what that is suppose to mean. I did " submit an inquiry '' on my account. I do not have an account. I called to report fraud and idently theft. 

Thanks to Bank of America, I have had to place security freezes on all my credit reports, which takes time. I have had to go online and file this complaint, again, time. I work very hard to pay my bills and Bank of America is costing me money I do not have.
Consumer complaint received 2024-10-01
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/year> there were 9 fraudulent charges on our Synchrony Bank Sams Card ( XXXX ). 
Authorized User ( XXXX XXXX ) immediately called Synchrony Bank to report the fraudulent charges. T-Mobile call log of the authorized user is attached. 
Immediately afterward Authorized user ( XXXX XXXX ) called and reported the fraudulent chargesXXXX XXXX call log of XXXX XXXX XXXX is attached. 
During conversations with Customer Service, we learnt that not only fraudulent charges were made but also the credit limit was increased that facilitated the large fraud. Neither Primary Card Holder nor Authorized user had requested a credit limit increase We filed a police report for the fraud. Incident report is attached. 
We have tried to resolve the issue with Synchrony Bank over last 12 months. However, bank has continued to deny the credit saying, XXXX. The purchased items were shipped to our address. We have not received any item at our address. Find attached letter. 
XXXX. Charges were authorized. But no explanation on how they were authorized as they seem to be overseas charges. We were in USA. Find attached letter. 
Synchrony bank has not yet answered our question on how the credit limit was increased that facilitated the excessive fraud.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (VA)

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX PM, and they confirmed that the loan I settled with them on XX/XX/2023, is not a charge-off account. They received their payment on XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-03
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF XXXX  TRAFFICKING WHICH IS ALSO THE RESULT OF IDENTITY THEFT. AFTER BEING A VICTIM OF XXXX  TRAFFICKING THE PREDATOR USED MY INFORMATION WITHOUT MY PERMISSION AND ALSO WITHOUT MY KNOWLEDGE. I HAVE ALREADY SENT OUT A LETTER TO THE CREDIT BUREAUS IN REGARDS TO THE FRAUDULENT ACCOUNTS AND INQUIRIES DONE IN MY NAME WITHOUT MY CONSENT WHILE BEING A VICTIM.ALSO HAVE SENT IN SUPPORTING DOCUMENTATION ACCORDING TO THE FCRA.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (CA)

XX/XX/XXXX I applied for a credit card from Concora Credit with a credit limit of XXXX . The offer for this card was sent to me through the postal service, so I assumed there would be no issue applying. The mail stated there was no deposit required to open the account and did mention an annual fee but didnt mention it would be charged to the account before I even got my physical card in the mail. 


When my card was delivered I went to activate it on the companys phone application but noticed my account was blocked. I called the number given and was told my account was block because there was an address change on a date prior to me even receiving my card in the mail which didnt happen from me. So I asked what the address was changed to but they didnt want to provide the information, instead they asked for me to fax over a copy of my identification card which I didnt feel safe doing. 

The company has called me multiple times since but the moment I answer there is no response and they just hang up. I havent logged into my account since opening the account and cant since its still blocked, I just wish to cancel this card because it took a huge hit on my credit.