davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I waited for the IRS to deposit stimulus payments by direct deposit into my account and they did not arrive after months of waiting for them. When I asked for bank statements they refused to give them to me. My CPA advised me today that the payments were deposited to my account with RBFCU XXXX which was the financial institution that I was using at that time and that was several years ago. 
I did not receive the payments.
Consumer complaint received 2023-04-12
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. (FL)

In accordance with 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 Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX DEBT OF ED/XXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number # XXXX 15 U.S.C 1681 section 602 A. States I have 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 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 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 ) 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 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Someone opened a capital one credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have spent over XXXX hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I suffered, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by MA courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (TX)

Discover Financial Services dba Discover Bank has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I sent Capital One a Notice of billing error letter that the company received XX/XX/2024. No reply to that letter from Capital One. No investigation started. The company continued to collect payment. I sent Capital One another notice of billing error/ notice of cease and desist letter that was received on XXXX XXXX XXXX The Company closed my account without notice or reason. I checked my personal credit account XX/XX/2024 through my XXXX app. I discovered that Capital One closed my account. On XX/XX/2024 I discovered a letter from Capital One on the Capital One app. The letter was titled XXXX XXXX XXXX. Capital One didnt alert me of any fraud on my account, nor did I report any fraudulent activity. The letter stated that the activity on the account is not consistent with Capital Ones expectations for account usage and violates the Capital One Customer Agreement. Capital One still never started an investigation for the account. On XX/XX/2024 I sent Capital One a Notice of Default/ Opportunity to Cure letter for the illegal account closure and inaccurate credit reporting. I advised Capital One of the FCBA violations that the company violated, which was also mentioned in the previous letter. Capital One sent me a letter with a case number after the account closure. The letter didnt explain anything about the account. The letter advised me to call Capital One. Capital One sent several more letters with different case numbers about credit reporting. Capital One never validated any debt and never sent me any documents that I requested. I made several phone calls to the company about the account closure. No reason was given why the account was closed and no violations to the Capital One Customer Agreement were found by any agents for the company. I advised the agents that Regulation Z is actually in the Capital One consumer agreement and the company violated their own agreement by closing the account after receiving a billing error letter and not starting an investigation. I was told I had to open a new account and still pay the debt. I advised the agents that once the company violated the agreement and closed the account, the debt was then void according to the law. I was told I will not receive any documents beyond a billing statement pertaining to debt validation, even though I requested more documents. I sent the CEO and CFO of Capital One a letter informing them of the current situation. No reply from both parties. I received more credit reporting letters with no proof of anything. I continued to pay the debt in good faith hoping Capital One would do the right thing according to the law and agreement the company violated. Capital One has hurt my credit reputation as well as put a strain on my household financially.
Consumer complaint received 2024-07-29
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. (GA)

( XXXX XXXX - XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 3 ) personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal loan accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  opened XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ) and ( XXXX ) collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( {$1200.00} ) that appears related to an account opened at XXXX XXXX and XXXX XXXX XXXX opened XXXX XX/XX/XXXX with a balance of ( {$1100.00} ) appears related to XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of ( 2 ) FTC Identity Theft Criminal Complaint # ( XXXX ) & # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am fully aware of LVNV Funding LLC unlawful lawsuit and illegal collection practices as there has been many class action lawsuits against them. There is no data listed on my credit report for this account. Attached are copies of statements that I received from LVNV funding but it did not validate the debt. I have had previous history with companies and having to go to court for these same reasons. Which is why I am asking that the debt from my previous complaint be verified in whole before any other actions are taken by myself or LVNV Funding LLC.
Consumer complaint received 2024-08-30
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the XXXX XXXX  that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account.
Consumer complaint received 2023-09-12
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. (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.

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 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 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 ) 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 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Experian. I have tried on numerous occasions to have this account removed due to it 's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. I have been in the process of working with a realtor and I recently applied for a home loan. However, I was denied due to this account showing as a delinquent account most of XXXX. My child support is automatically deducted from my check each week. The deduction is labeled as " Other Deduction 1 ''. The stubs in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. This account has caused my credit scores to stay in a poor range. The falseness of this account is a violation of the FCRA " Willful Financial Discrimination ''. 

I sent a certified letter asking for validation and payment history on this account and I never received a response. I sent a letter asking for the account to be sent to my state of residence and still no response. According to Alabama Child support policy " Arrears is only reported if the account is in the arrears over {$1000.00} '', which my account is not!
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My Citi high-yield savings account was closed without notice. When I called for an explanation, after multiple times, I still did not receive an explanation, they hung up rudely every time. On XX/XX/year>, the account was closed by them, I received an email stating I would receive my funds within 60 days. It has now been over 60 days, I called Citi fraud department again. They again refused to provide an explanation and stated they were not going to return my funds, which totalled over {$23000.00} due to fraud. I'm a XXXX XXXX XXXX XXXX, all my funds come from Social Security and my traditional IRA. I have a digital paper trail of all my money deposited into that account which was transferred from my traditional IRA with XXXX to my checking account with XXXX XXXX  and then transferred to Citi savings. No fraud was committed whatsoever.
Consumer complaint received 2024-07-29
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

First issue : The Wells Fargo ( XXXX ) division is refusing to provide me with confirmation of which of my XXXX product checks have been processed or included in mediation, that occurred on XX/XX/year> under tracking # XXXX. 

Second issue : The Wells Fargo XXXX department is claiming that reference # XXXX & # XXXX are " duplicative '' mediation requests. This is inaccurate as these references numbers were NOT included in XXXX mediation that occurred on XX/XX/year>. 

The Escalation Specialist has never called me back, although I have left several voicemails for them.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Churchill Holdings, Inc. (CA)

I contacted XXXX for a XXXX we did all the paper work we got approved they sent the XXXX check to church hill mortgage before the check was sent to contacted church for loss mitigation XXXX kept giving us the run around and was denying us. Once they got that check for mortgage relief they hurried rushed us to signing the loss mitigation form and because they rushed us they didnt even take off our liens on our home which is also apart of going thru loss mitigation. ( I have the attachments of them saying they returned XXXX back to the XXXX company that we could've used ) They need to be investigated of all these illegal underhanded things.Contribute sent the check back even the the money was to be used for any reason regarding our mortgage loan. The mortgage relief even tried to contact church hill mortgage to resend the check but church hill mortgage made it darn near impossible to get in touch with. They basically did an wrong loss mitigation because they didnt even take off the liens
Consumer complaint received 2024-07-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.
Consumer complaint received 2024-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

- On XX/XX/year>, I made a transaction on XXXX with amount of {$89.00} for XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX for Saturday XXXX XXXX - XX/XX/year>, booking number XXXX using card Capital One ending XXXX. When I arrived, hotel said they can not find reservation under booking number neither my name. Therefore, I paid out of my pocket for new reservation. 
- On XX/XX/year>, XX/XX/year>, XX/XX/year> I contacted XXXX regarding for the refund on their reservation, but there was no result. 
- On XX/XX/year>, I disputed this transaction with Capital One. 
- On XX/XX/year>, Capital One closed case due to the merchant provided the support document. 
- On XX/XX/year>, I submitted to Capital One the invoice showed I paid new reservation directly to hotel. Capital One reopened case. 
- On XX/XX/year>, Capital One closed case as merchant favor.
Consumer complaint received 2024-05-16
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to credit acceptance and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.
Consumer complaint received 2023-06-19
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. (GA)

On XX/XX/2022, I spoke with XXXX from XXXX XXXX. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow XXXX to repossess the vechicle. I knew with allowing XXXX to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to XXXX  and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called XXXX back the next day to work out a settlement deal that was more feasible for me. I only owed $ XXXX on my vehicle and knew there could be a payoff request I could make. XXXX offered to drop the amount to {$9300.00} and once payment was received by XXXX, XXXX agreed to settled the account. XXXX also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from XXXX dated XX/XX/2022, which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. XXXX received my payment as promised and failed to comply with their agreement. Due to XXXX failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from XXXX. I have made several attempts to resolve this matter with XXXX but to no avail has it been rectified. XXXX  received payment as promise once we agreed to settle.