davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank and I came to an agreement to settle my credit card account that was charged off on XX/XX/year> they stated they would report this account as settled for less than the full amount once I made 3 consecutive payments of {$260.00} on XX/XX/year>, XX/XX/year> and XX/XX/year> I paid all 3 on time, and the on time payments reflect on my credit report. Yet Barclays continues to report it as a charge off with a balance 3 years later which affects my utilization and efforts to rebuild my credit. I have tried disputing this account numerous times but Barclays continues to state that the balance is correct to the credit bureaus. Additionally Barclays did not send me a 1099 C form so I was unable to file my taxes correctly for that year.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (GA)

Equifax is in violation of Section XXXX ( c ) and XXXX XXXX XXXX on XX/XX/2024 I sent a request to block information that was a result of identity theft that included my proof of identity, the specific information that is a result of identity theft, and a copy of my submitted Identity Theft Report with the Federal Trade Commission. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/2024 they sent me a letter stating they are refusing to block the information named in my request because I need to provide " my proof of identity, the specific information that is a result of identity theft, and a copy of my submitted Identity Theft Report with the Federal Trade Commission ''. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- They have already receive this information, and the XXXX business day timeline to block said information has already passed. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This information has also been reinserted on my credit report without notice which is also a violation of XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiries on my credit report listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. XXXX. ( A ) ( XXXX ) 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 2024-03-18
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: EQUIFAX, INC. (GA)

I am writing to formally dispute certain inaccuracies present on my consumer report, which I have recently obtained from Equifax. Despite my attempts to resolve these discrepancies through your dispute resolution process, I have been informed that these inaccuracies are not currently reporting on the Equifax credit file which is false. 
I am requesting monetary relief in the amount of {$5000.00} per disputed inquiry still remaining on my report and {$5000.00} per false statement. The inaccuracies I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my credit report and have identified these discrepancies that do not reflect my financial history accurately. I have provided supporting documentation for each disputed item in my previous disputes, and yet, Equifax has failed to rectify these errors. 
Consumers are entitled to accurate and complete information in their credit reports. Equifax is obligated to conduct a reasonable investigation into the disputed items and correct any inaccuracies found.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chexsystems has violated the FCRA, also made false statements that a signature is required from a law enforcement officer in order to accept documentation.

I believe someone may be losing their job due to taking the law into their own hands instead of following federal law. This is a very serious matter that has been ongoing for months now and must be resolved immediately to prevent any further federal laws from being violated.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One sent me a letter falsely stating that two years ago I had an account ending in XXXX, which I have never owned or opened with Capital One. 

They also claim I made threats of harm and XXXX explicit conduct comments on a call with an associate. This is actually impossible because I was XXXX at the time. Is Capital One alleging that I made these calls back in XXXX from a XXXX  phone? 

I have already reported the account ending in XXXX as fraudulent and something I never received, Capital One bank deleted/removed the account as fraudulent. This was in XXXX, it is now XXXX and Capital One is bringing this already resolved situation back up as an excuse to close my first ever Capital One credit card!? 

This is defamation of character, and according to 15 USC 1611 is fineable up {$2000.00} for the offense.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MO)

This account # XXXX from CCS COLLECTIONS is paid in full. CCS COLLECTIONS refuses to remove from credit reporting. Original creditor XXXX XXXX XXXX  confirmed the debt is paid and no other obligations are being requested at this time.
Consumer complaint received 2024-06-06
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

XX/XX/XXXX my cards were accessed and used to make false charges. At the same time someone sent themselves XXXX checks for XXXX XXXX  each, {$5000.00} total. 

I regained access to my account on XX/XX/XXXX and contacted Usaa. I was told my account would be reimbursed and to call back in a few days. It took XXXX weeks, in part because my file was never updated. 

During that time I was contacted by a data recovery scammer claiming even more of my data had been exposed. Over the course of several days he gained my trust and convinced me to authorize a transfer of {$9000.00} on a XXXX call with him and a USAA rep XXXX who I asked repeatedly whether this seemed legit and ignored me. 

After sending the {$9000.00} I decided I had been scammed and put a stop on the transfer. The same day, XX/XX/27, USAA contacted me and said they were electing to sever their relationship with me as a customer. All my credit cards, all my savings accounts, and all my checking accounts. Now my funds are in limbo for XXXX months while I wait for them to finally close my accounts and transfer my funds. 

I had been a loyal USAA member for XXXX years and previously would have recommended them to anyone eligible. Now I just want them to send me my money so I can never interact with them again.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters and went on my experian app too dispute three inquires that arent mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } and two inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I have a consumer checking account through Juno XXXX XXXX XXXX XXXXjunoXXXX XXXX XXXX XXXX ) , that is through XXXXXXXX XXXX and XXXX. I have an account and routing number at Juno/XXXX and all their accounts are FDIC/SPIC insured XXXX XXXXXXXX XXXX cut off/froze all account access to Juno account holders, due to the ongoing litigation regarding the bankruptcy of XXXX. Tens of thousands of depositors ( minimum ) have now had their checking account assets frozen for 11 days ( Since XX/XX/XXXX ). I have filed complaints with the FDIC and Federal Reserve Bank, but they are not taking action. This is a very serious situation, and it does not appear federal regulators are intervening. This is causing a major distrust in the US banking system and named banks/financial firms. I need the money in this account returned to me. Immediately. There are no excuses here. If Juno was mis-marketing a financial product, that is definitely something you should look into. But as far as everyone knows, these accounts were advertised as regular FDIC insured checking accounts. Juno is currently non-responsive and has a non-functioning phone line that just immediately disconnects you. It is impossible to get ahold of them to try to find out what's going on. 

It seems that because the cat 's out of the bag on this disaster, XXXX may be refusing to restore access to accounts because they know ~100 % of the Juno account holders will withdraw 100 % of their funds, and that would essentially cause a run on the bank. 

I am currently unable to access my checking account with {$5800.00} in it ( see attached screenshot ).
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (OH)

Allegation of medical debt put on credit report once I contacted the actual company about finishing the procedure. No notice was ever provided before placing on my credit report. 

Once I reported them here ( XXXX XXXX ) they sent a list of chargea that was supposed to be from XXXX XXXX  ... but never provided anything about notifying me about payment or missed payments. 

They responded that they would remove the item. However Experian refuses to remove it, depite evidence I submitted. They claim XXXX XXXX  assures them it is valid.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

XX/XX/2024 - Attempted to use Vanilla Visa gift cards, declined by multiple merchants for various amounts XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again. 
XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Told me they can issue a new card. They continue to offer no other acceptable options. Merchants will not accept their payment. Told them I have many Vanilla Visa gift cards, and I want refund at this point. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Caliver Beach Mortgage, LLC (WV)

I noticed a hard inquiry on my credit report. It was from Caliver Beach Mortgage. I have never heard of this company, I never contacted them, and I was not ( am still not ) in the market for a mortgage. This is very clearly a mistake. I have asked to have this inquiry removed and was denied. See attached letter.
Consumer complaint received 2024-05-02
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. My federal trade commission identity theft report was certified mailed to XXXX, Experian, and XXXX. My dispute did not resolve the issue for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,
Consumer complaint received 2024-07-21
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. (FL)

XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has not written to me to offer settlemend refund. I finance two auto and paid them off early never got gap refund and also had bank account that I didnt get a settlement for
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.