davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (LA)

i noticed form fraud charges on my account in XXXX XXXX XXXX, and i called discover to get it fixed, and then i didnt recieve the letter of the outcome so i just let it go on, and finally i got some calls, i picked up they told me what happened, and apperantly the first person who took my information down didnt take it down correctly, i also told them this shilajt company was asking for way to many information, after i told them about the unknown charges, and the customer service agent decided to ask for my person number instead so " he can contact me through his personal phone '' which is not very professional, and considering this company isn't big or well know i declined and told him that's very suspicious. they also told me i have used my card at a XXXX XXXX in a different city, but why would i go and drive XXXXXXXX XXXX to a different city to pump gas in my car, when i don't even have my own car, and the only car i use is my dads, and i pump gas at the gas station near my house which is literally XXXX mins away, there were also some charges made from vending machines, and stores which i don't go to, and i told them. they denied the claim and they are forcing me to pay {$1000.00}, which i feel is unfair, I'm willing to pay XXXX $ of what i owe and XXXX $ on top for late fees and such but i am a college student whose credit and getting XXXX  XXXX, i cant just pay {$1000.00} that i dont truly owe, they also denied it because i told them i lost my physical card, but they didnt take into account thatt i can use my tap and pay feature, so they denied it because, they think i still have my physical card, but according to the customer service agent she said she cant see i made small payments using XXXX XXXX  which is tap and pay and some E- payments. i really need help getting this sorted out. i still dont have any mails or emails from discover in regards to my case.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is a follow up to a previous complaint that hasn't been solved. I deposited a check on XX/XX/XXXX with capital one. They accepted the check but a short while later they put my account on hold. After trying to get ahold of them for a long time they told me there were security issues so they had to close my account. However I still didn't get the funds from the check. I contacted the cfpb. About a month and a half later I finally was informed by mail that they still haven't verified the check, and I must either reverse the transaction or give them a number to verify. I have put in a request to reverse the transaction close to 3 weeks ago, with no response from capital one, as well as given a number to verify, with no response. The only way to communicate is to leave them a voicemail, but they haven't been responding.
Consumer complaint received 2020-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

My name is XXXX XXXX and back in 2013 my cousin fraudulent put a auto loan in my name without my consent and this auto is ruining my credit.. The car was given back to this company because I told her I will take her to court ... I have dealt with this company and it should not be listed on my credit report ... and wasnt even making the money in 2013 up until now to purchase a car loan so they lied about the income as well
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 The accounts above have violated my rights. 

I looked at my Experian credit report in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2020-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC (IN)

THIS ACCOUNT STATES IT WAS OPENED XX/XX/2019 I'M A TRUCK DRIVER AND WAS WORKIN ON THIS DATE. I NEVER SIGNED AN AGREEMENT OR GAVE THIS COMPANY CONSENT TO OPEN AN ACCOUNT IN MY NAME. THEY LET MY EX GIRLFRIEND FILL OUT PAPERWORK AND OPEN AN ACCOUNT USING MY INFO. IM SICK OF CALL AND DAMAGING FACTORS BEING REPORTED ON MY CREDIT. THIS COMPANY IS FRADUALENT
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (NJ)

1st letter sent to GC SERVICES FOR XXXX, XXXX in XX/XX/2020 regarding identity theft and account not being mine. No word from them until XX/XX/2020, resent FTC Identity theft report. Received several calls regarding debt, even after my FTC statement requested to only contact me via mail regarding the false account under a person with similar name as mine. I am sending another letter dated XX/XX/2020 for all matters to collect this debt to cease. I do not own this debt.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never XXXX! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

XXXX - The XXXX  information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX Acct # XXXX
Consumer complaint received 2020-11-16
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: CNG FINANCIAL CORPORATION (UT)

XXXX XXXX XXXX  is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with Check N Go. I have never had an account with Check N Go and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
Consumer complaint received 2020-11-16
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. (GA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT MS XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on equifax and XXXX  it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Consumer complaint received 2020-11-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on experian it says XXXX and on XXXX and XXXX it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Consumer complaint received 2024-08-27
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2020-11-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC (SC)

Checked my credit file. Notice a company showed up. Called then to inquire. Never opened a account with them. Rep named XXXX was very rude and insisted it was mines. Never signed any documents or received any funds.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-01
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 (MA)

DID BALANCE TRANSFERS TO XXXX XXXX XXXX XXXX THAT XXXX XXXX AT CAPITAOL ONE CONFIRMED INITIATED BY CONSUMER THAT CUSTOMER COULD NOT VIEW BUT CAPITAL ONE CAN. THE AMOUNTS WERE FOR XXXX NUMEROUS OTHER TRANSACTIONS TO SAME CREDITOR AND AMOUNT WERE CONSUMATED .THESE OTHER 5 ARE OUTSIDE THOSE TRNASACTIONS AND NOT TO BE CONFUSED WITH ONES SPECIFICALLY BEING QUESTIONED.ALSO ALL THESE CALLS WERE RECORDED, THE INEPTNESS OF CERTAIN REPRESENATIVES I SPOKE IN TRYING TO RESOLVE THIS ISSUE IS BEYOND BELIEF.I LETTER WAS SENT TO PRESIDENT A COPY CONTAINED .THIS IS A NIGHTMARE DEALING WITH THESE PEOPLE. ALL THESE CALLS WERE RECORDED ALMOST EIGHT REPS LAST 2 WEEKS WITH THE CULMINATING FRUSTRATION WITH REP XXXX WHO I THOUGHT GRASPED THE PROBLEM BUT DID NOT XXXX XXXX A CAPITAL ONE IS THE REP TO INTERVIEW
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I putted in a dispute for a wrong address and two incorrect XXXX  XXXX XXXX Credit Card accounts showing up on my Equifax credit report. The result came back, deleted the incorrect address, but still remaining the two XXXX XXXX XXXX credit card accounts that don't belong to me. I contacted the XXXX XXXX XXXX, they don't have any accounts under my name or Social security number. I pulled the credit reports from two other credit bureaus, those two incorrect accounts weren't there, only showing up on Equifax credit report. At this point, I don't know what to do. I don't know how Equifax investigate the case. If Equifax had contacted XXXX XXXX XXXX, then they would know those accounts don't belong to me. Please advice. Thank you so much.
Consumer complaint received 2020-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have contacted Bank of America now two months in a row. Since they did a system upgrade when I make a payment on my mortgage I am not being issued a statement. I receive my statements electronically to avoid issues in the mail. I am concerned as I pay more then the minimum and they have already screwed up my escrow account asking for a large deposit with weeks notice only to refund most in as it was an error on their end within weeks. My trust that my funds are being applied correctly has been effected and the long wait times to get a statement are then compounded with associates that cant figure it out and being transferred numerous times. Please help it should not be so hard to see that my payment is being handled properly.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I placed my Timeshare for purchase in XXXX. On XX/XX/2020 I was contacted by Mr. XXXX XXXX from XXXX XXXX XXXX XXXX advising me a buyer had been found and was interested in pursuing the purchase. They sent me a copy of the contract and asked me to submit ( XXXX ) break down as follows ( {$700.00} deed transfer, Title search {$600.00} Lawyer fees {$900.00} ). I was then asked to wire the money to the broker representing the buyers. I set up a wire transfer through Wells Fargo and it immediately came back with a flag requesting I contact XX/XX/XXXX and validate the identity of the broker 's name I was to wire the money to. Bottom line Wells Fargo did not send the wire. I was advised my {$2200.00} was seized and would be sent to the Department of the Treasury. I was dealing with the death of my son during this time and put this matter on hold until I was able to get my head clear enough to go after whom ever I need to get my money back. I have filed XX/XX/XXXX complaint, FTC reports so far. 

I want Wells Fargo to notify me at once about the status of the money and all supporting documentation they used to seize my money and how I can get it back.Wire Transfer Confirmation Print successYou have successfully submitted your transaction on XX/XX/2020 at XXXX XXXX Pacific Time. 
View your wire transfer activity or make another wire transfer Confirmation number XXXX Send to XXXX XXXX ... XXXX From account PREFERRED CHECKING ... XXXX Available balance = {$4300.00} Frequency One-time - send now Wire amount sent {$2200.00} Fees {$30.00} Taxes Local taxes may apply Total from account {$2200.00} Send on XX/XX/2020
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

cabela 's club and capital one of XXXX, north Carolina XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX sent check for {$110.00} XXXX XXXX capital one did not cash check till XXXX received bill from capital one XX/XX/XXXX for {$150.00} called capital one tuesday XX/XX/XXXX at XXXX XXXX. lady told me I had no balance and did not no why I received a bill. 

have received bills from capital one XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$40.00}. called both times talked to 2 ladies but could not get this resolved. 

sent complaint to atty general office of north Carolina got this to fill out