davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX now.with no help.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Capital One regarding a cash advance fee as I did not make or request a cash advance. I spoke with representative who advised nothing she could do. Advised I have always used my XXXX with XXXX and never been charged a cash advance fee by Capital 1. I requested her supervisor which was XXXX who is a Customer Senior Account Supervisor. She repeated what her associate had said. I tried to explain to XXXX it was the same type of transaction I completed many times with XXXX and I have my credit card linked to XXXX and she advised XXXX must have changed their policy as they sent a code indicating it was a cash advance. I explained again it was not. I asked for her XXXX and she advised no one else was in her office that was above her. I asked again for her XXXX, she placed me on hold 2-3 times. She came back and said she would not let me speak to anyone else higher than her and she would be disconnecting the call. I asked her to not disconnect the call as my issue was not resolved. She disconnected the call. I was shocked the bank Ive used for many, many years would allow employee to hang up on a customer who had an unresolved issue. 

I called Capital One back. XXXX answered in credit card services. I asked to speak to someone hire up and he transferred me to XXXX XXXX and the party who answered told me he was unable to help me and I should not have been transferred to him. He then said hed transfer me to someone else in credit card services. I was placed on hold again and after a while, I was unable to hold any longer. 

I did contact XXXX and spoke to XXXX. Call # XXXX. He advised their process has not changed. He advised they did not send a code to Capital One indicating it was a cash advance.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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 (KS)

XX/XX/XXXX Scam, My sisters identity was stolen and used to entice me to buy {$500.00} of XXXX gift cards for the thieves. We found out the fraud immediately and notified Capital One by phone. Filed an XXXX XXXX police report and obtained information from my sister. 

XX/XX/XXXX Capital One sent new credit card despite our XX/XX/XXXX phone conversation. 

XX/XX/XXXX letter from Capital One stated no fraud because we benefited from the transaction, not recognizing the identity theft. This accuses me of being and thief and angered me. It also implied that fraud was committed if I had not benefited. 
Another letter of the same date said the fraud investigation was closed. First of 3 identical letters. 

XX/XX/XXXX I sent letter laying out the facts and including the police report, evidence from my sister, referred to XXXX XXXX, and a further attempt by the thieves to defraud. I did state I had been insulted and was angry. I never received an apology, angering me further. 

XX/XX/XXXX I sent letter noting no response to my XXXX letter. 

XX/XX/XXXX I send another letter noting still no response. 

XX/XX/XXXX Second form letter from Capital One identical to second XXXX letter. 

XX/XX/XXXX I sent letter noting the XX/XX/XXXX letter which stated As a part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. However, I still am being billed for fraudulent charges plus interest and late fees. 

In my subsequent phone call I was told that scams such as my case were not fraud under their definition. However, the dictionary considers a scam as fraud and I see nothing to the contrary in the credit card agreement. I said I wanted to close my account and not make payments related to the original scam. I was told my case would be reviewed and they would call me in 8-10 days, later extended a week because of my trip to XXXX XXXX XXXX 

XX/XX/XXXX Another form letter identical to those of XXXX and XX/XX/XXXX. 

XXXX Phone call stated that my appeal for fraud recognition was denied because I did authorize the purchase. They did waive the interest and late fees although late fees resumed from that point. Letter received the next day, although dated XX/XX/XXXX, accordingly. 

XXXX In a phone call I repeated my complaint and again tried to close my account. I was told a letter would be forthcoming. 

XX/XX/XXXX Capital One letter outlined payment options but did not address my complaint or the account closure. 

I have recently received notices that my credit score has dropped from around 840 to about 660.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CHARLES SCHWAB CORPORATION, THE (NC)

An inquiry to my credit report was pulled by XXXX on XX/XX/2022 for charles schwab bank XXXX. XXXX XXXX XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with charles schwab bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.
Consumer complaint received 2022-06-22
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. (GA)

XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW
Consumer complaint received 2022-06-22
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. (CA)

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : 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 2022-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (MD)

Please properly remit my 1099-C so I can do my tax return. Because the cancellation of debt belongs on my 1040. Once this notice is received please properly send the completed 1099-c form back to ( XXXX XXXX ). In the attached 1099-C document XXXX XXXX completed the sections to the best of knowledge. DISCOVER CARD also get to write this off on taxes for a major tax break. Send the completed 1099-C that you sent it to the treasury. All obligation of any debt belongs to the UNITED STATES OF AMERICA and my signature pays for anything hence why DISCOVER CARD was about to give a line of credit because of the asset back note. If you don't understand please reference back to the Emergency Banking Act of XXXX  and Indenture Trustee act of XXXX. Please do not take any adverse actions because of the enforcement of rights ( 15 USC 1681a ( k ) ( 1 ).
Consumer complaint received 2022-06-22
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. (CA)

This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately XXXX Equifax XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-06-22
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. (DE)

XXXX XXXX  # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to Experian. XXXX XXXX responded to Experian that there is still a balance. I contacted XXXX XXXX and XXXX XXXX at XXXX XXXX sent me an email confirming said loan is paid in full. I forwarded said letter/email to Experian and XXXX XXXX responded to Experian, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted Experian and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX is the co-owner of this account # XXXX along with my son, XXXX XXXX XXXX. This is a High School account that was created for him to learn about personal finance. XXXX XXXX is in an out of town High School and he rarely access his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted {$760.00} that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity. 
This is minor, and he had limited access to his account. He should not be penalized in this situation. Please assist to receive full refund.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

We tried to use card for online purchase and card was rejected for over limit, only the purchase was for {$1800.00} and the available credit was {$2300.00} and then they restricted my account AGAIN. When I called, I was told that I needed to wait 7 to 10 days AGAIN for a specialist to call me. I have been told this multiple times before and have yet to have anyone reach out to me.
Consumer complaint received 2022-06-22
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I was advised through XXXX XXXX of fraudulent activity with USAA. I filed a report with XXXX XXXX and they advised me to file a claim with you. I then received a debit card that I did not apply for from USAA and a change of address from USAA that came to my current address.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, FedLoan Servicing, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to FedLoan Servicing. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( XXXX has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc. (DE)

Happy Money/Loan # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to XXXX. Happy Money responded to XXXX that there is still a balance. I contacted Happy Money and XXXX XXXX at Happy Money sent me an email confirming said loan is paid in full. I forwarded said letter/email to XXXX and Happy Money responded to XXXX, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted XXXX and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.