davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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 (MD)

I purchased XXXX clothing items from XXXX for {$130.00}. The goods I received were of poor quality, with threading, sewing, and overall cut not matching the online description. I sent pictures and a complaint to the merchant, who initially agreed to refund {$120.00} and said I could keep or dispose of the items without returning them. The customer service agent, XXXX, confirmed this, and the refund was supposed to be processed to my original credit card within XXXX days. 

When I didn't receive my refund, I inquired about its status. At that point, the merchant refused to honor the original agreement. I filed a merchant dispute with Capital One for a chargeback, which was processed on XX/XX/year>, because it became clear that the merchant was not acting in good faith. Capital One asked for documentation to substantiate my complaint. I sent the invoice, pictures, and the refund offer from the merchant, which included a note that I did not need to return the goods. The email from the merchant also indicated they were not interested in sending a return mailer for the items. However, Capital One declined my chargeback request on XX/XX/year> and asked that I settle the dispute with the merchant. 

Even though the merchant has agreed to refund {$120.00} to my account, it has failed to credit the amount, claiming it needs a withdraw letter. This company is unreliable and not acting in good faith, and my credit card company is allowing them to scam me.
Consumer complaint received 2024-05-14
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

XXXX is known for fraudulently reporting information and lying saying it was verified. I paid an account off on XX/XX/XXXX and they reported as of today the same balance stating the amount was verified. I have docs to show my balance is XXXX
Consumer complaint received 2024-05-14
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. (NC)

please delete all the negative accounts in my report it's incorrect please make an action now! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc. (MI)

Subject : Complaint against AVANT Credit Company for Denying Approved Credit I am writing to file a formal complaint against AVANT Credit Company regarding their denial of my right to use credit that I was previously approved for. The denial is based on a reported fraudulent personal loan using my personal information.

I received a notification from AVANT Credit Company stating that my approved credit was being denied due to a reported fraudulent personal loan. However, I have never taken out a personal loan with AVANT or any other financial institution, and I am confident that my personal information has been misused without my consent.

The denial of my approved credit is a clear violation of consumer protection laws and regulations. AVANT Credit Company has a responsibility to ensure the accuracy and integrity of the information they report to credit bureaus. By reporting a fraudulent personal loan using my personal information, AVANT Credit Company has not only damaged my creditworthiness but also violated my rights as a consumer.

I have taken several steps to rectify this issue. First, I contacted AVANT Credit Company 's customer service department to dispute the reported fraudulent personal loan and request the removal of this information from my credit report. However, despite providing evidence and supporting documentation, I have not received a satisfactory resolution to my complaint.

Furthermore, I have also contacted the credit bureaus to dispute the accuracy of the information reported by AVANT Credit Company. While the credit bureaus have initiated an investigation, the denial of my approved credit by AVANT Credit Company continues to impact my financial opportunities.
Consumer complaint received 2023-06-24
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. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Consumer complaint received 2023-06-21
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: CITIBANK, N.A. (IN)

About 2 hours ago today ( XX/XX/XXXX ) I attempted to use my card to make a purchase. The transaction was denied and I received a text/email to call Citi, which I did promptly. Upon this phone call I was advised my account was placed on hold for possible fraud, I explained who I was and that I attempted to make that purchased and called as soon as they told me to, I was advised there was nothing they could do as the account had to be verified by having a letter sent to my home. I explained to the agent Im out of the country and wont return any time soon, she said there was nothing she could do, I asked to have my call escalated and spoke to a supervisor who called the number in the account and reached me, I gave her all my info as well. She said the same that she couldnt help and I said even if I wanted to go back to states to verify my account I wouldnt be able to as Im in a foreign country with no access to money, she said she couldnt help and was going to hang up. I pay a yearly fee and have always paid my bills on time, its inadmissible and inhumane that they purposely left me in foreign soil without any access to money. Im unable to pay for food, shelter and transportation as I dont have another card.
Consumer complaint received 2024-05-28
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: SYNCHRONY FINANCIAL (AL)

XXXX XXXX XXXX the inquiry was made XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX i am requesting for all of these accounts to be removed they are affecting my credit score and i did not authorize of them to be screened
Consumer complaint received 2023-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (OR)

They called from a XXXX Oregon phone number and stated they were trying to mediate a loan I received in XXXX then changed it XXXX from check into cash. They stated they were going to garnish my pay check. I never got a payday loan from anyone. They called themselves XXXX services. Phone number XXXX XXXX XXXX. They had my ssn, my previous address and a really old email.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This evening, I noticed inaccurate accounts appearing on my credit report, and I have no idea why. When I checked my report as usual, discrepancies showed up unexpectedly. I tried refreshing my browser to see if it was just a glitch, but the inaccuracies remained. Due to this issue, I request that the documents I've sent be thoroughly checked so I can stop worrying about this.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today I tried to go inside a Bank of America and use their ATM to make a payment on my credit card which I made a payment of {$1000.00} and the ATM machine took my cash that I deposit and said that the machine was having an malfunction and printed a receipt that did not show my payment. I had to call and file a complaint the ATM that I use that they put in the bank is the old ATM from outside of their building that has been malfunctioning for years now on and off. I have pictures that is the same ATM and The manager of the branch confirmed that it is the ATM from outside this branch has been remodeled to have one bank teller a lot of people when I use the atm complain of the atm taking there money and cards XXXX XXXX and its the closest branch to me
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-25
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. (MI)

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. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX , XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX XXXX bankruptcy discharged : 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (ND)

Suit was filed by XXXX and XXXX XX/XX/XXXX, attempted to reach out as the debt from XXXX XXXX XXXX XXXX XXXX was to have been previously paid with resurgent capitol but per LVNV and XXXX and XXXX it was not. Asked for documentation and was sent verifying. Reached out in XXXX of XXXX as I was advised they moved on with suit in court. Judgement was made I was contacted by my bank in XXXX of XXXX about a garnishment on my savings account. A phone call was placed to XXXX and XXXX. Spoke with the first representative who advised in an unprofessional manor that its done and they will take the money no matter what they didnt care. With no negotiation possible. I called back later and spoke with a supervisor named XXXX and she agreed to negotiate the total of {$2200.00} to a new amount of {$1700.00}. I agreed to this, and asked if I would be sent documentation on this and also my bank. She stated that it should be received in a week and all I needed to do was agree to the amount with the bank and release the funds. Waited till XX/XX/XXXX and nothing was sent attempted to call XXXX and XXXX and per the XXXX XXXX XXXX they have not received anything either. Left a voicemail on their box for a call back waited XXXX week. No calls or voicemail, called again and left a second voicemail. Once again no documentation or info let alone a call. My mother passed away and left it alone for a few weeks. Call was made again in the first week of XXXX. No info or calls returned. Was advised by XXXX XXXX XXXX that a order judgement was sent to release the funds to them in the original total with interest, not the agreed upon amount of {$1700.00}. Placed a cal that day which is today XX/XX/XXXX. Once again just a voicemail as no one was available. I believe that they should have been required to hold their word and follow through with the agreement made. And not collect the larger sum, with interest.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (FL)

IMMEDIATELY REMOVE un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE tradelines XXXX XXXX XXXX  Account: XXXX XXXX XXXX XXXX  Account:
XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX
Account: XXXX


XXXX XXXX
Account:
XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have been reviewing my credit report on 3 agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are 2 inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.
Consumer complaint received 2024-05-28
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: Mr. Cooper Group Inc. (NY)

We have been trying to resolve some serious issues regarding the servicing of our loan and recently found out all these years we've paid attorneys to fight to keep our home the investor for our loan " does not allow loan modifications ''. They refuse to put this in writing. They also refused to respond to our last complaint filed with the CFPB and stated XXXX XXXX represented us when he has never been retained or ever represented us in our foreclosure action. He was confused but drafted the letter as requested. Then they assigned XXXX XXXX to our account as aDedicated Loan specialist on our mortgage account. According to your letter your job is to help if we ever fall behind on our mortgage payments. We are confused as to how you can help us with our situation when we have been told on numerous occasions that the investor does not allow loan modifications. We spoke with XXXX ID # XXXX from loss mitigation, and she confirmed this. She also stated XXXX is the investor. Who is XXXX This is not the investor you claimed to own our loan in RESPA response. In fact, you did not provide us with all the information and documentation we requested which leads us to believe that you are perpetrating a fraud. We have a sales date for XX/XX/2024 and you have been acting in bad faith. You also have charged us for property inspection fees all these years we were forced to sit here fighting with you knowing we will never be given an opportunity to keep our home. You forged our documents in the bankruptcy court. We have proof of all this. This is a XXXX XXXX XXXX file.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MA)

My name is XXXX XXXX, account XXXX, address XXXX XXXX XXXX, XXXX Ma XXXX, I have called XXXX XXXX on last XX/XX/2022 and cancelled my account because I already had XXXX during that time. I did pay my last bill and today I received a bill from Collection with the amount {$370.00}. I called them but they never fixed the issue. Please help me to dispute this bill. Thank you.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (OH)

Received a call on XX/XX/year> @ XXXX from Reliant Capital . I immediate returned the call and got XXXX, XXXX. Immediately XXXX would not allow me to get his information. He kept cutting me off without knowing what I was asking. 

Then he proceded to ask personal information like SS #. When I asked what was the reason for this he would not tell me. 

I do not know their reason for calling.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

My checking account XXXX was closed over 6 months ago, and Truist has commited fraud and thief by deciding to keep my funds forever. Whenever I called, they insist they can hold my funds forever and will not send me back my funds after they decided to close my account. 

I will soon be contacting an attorney and seek legal measures since this is clearly not legal what they are doing.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # XXXX