davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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)

On XXXX XXXX I Downloaded My credit report to see what the Investigation Results After Theses Accounts Came Back Verified. I Asked Each Reporting Agency To tell me how you did that. who did you talk to at the original credit grantor? did you write them? was a XXXX form used or was this through a electronic automatic dispute verification? did you contact them at the same address/phone number listed on my credit report? The FCRA says they have 15 Days to give me that. I asked them don't provided the generic response of how you used Theses methods.Tell me exactly how you verified them & include the full name of the person you spoke with. Original signature on all paperwork Also, what is the date of the commencement of delinquency? And when will This tradeline be past the reporting timeframe? ( NO Response on my questions but it was verified without any of theses questions answered ) Equifax how were these accounts verified??? 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX reporting twice ) XXXX XXXX XXXX # XXXX ( reporting twice as XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (IL)

The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately XXXX years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2023-05-03
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. (FL)

XXXX is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in Experian, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP ASAP!
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

The company requested personal information for a debt that I was sued for over 15 years ago. I was sent some type of certified letter from the company but received it too late. On XX/XX/2023 my wages were garnished. I had tried to contact the company but their representative hung up on me and would not give me any information. I was not given any information about the debt as the statute of limitation for them being able to garnish me should have expired.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

I have just received a lawsuit in the main from a company called LVNV Funding LLC, whom I never heard of before threatening to garnish wages and seize property from old debt. I contacted the original creditor ( XXXX ) who confirmed they did not sell this debt to them and had no knowledge of this company. I still have an open account with XXXX XXXX. I have had credit notices of my email and social being on the dark web and I am sure that is where this company got my information and is filing falsified documents to try to get money. Looking at this companies reviews this is a common practice for them and needs to be halted. I have already disputed this with the 2 credit bureaus they dinged, for some reason it is not showing on XXXX, and now will be filing complaints with every company I can!
Consumer complaint received 2024-01-18
Product: Credit reporting 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: EQUIFAX, INC. (MD)

Equifax continues to block access to my personal online account which prevents me from being able to file online disputes to correct my credit report. I can not remember all of the exact dates that I have contacted them about this issue, however, they should have it on file. I have received various reasons for the cause of the problem and I am always met with challenges as far as having it corrected. The most recent incident occurred in XXXX XXXX. When the issue was finally corrected I was told the cause was a duplicate file that they had for me that was causing the issue. After that call I was able to log in, however, as of XXXX XXXX my access has again been blocked. 

Although I have the ability to mail in disputes, I prefer to send them online and should not be denied the access to do that.
Consumer complaint received 2024-04-06
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. (CT)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX  : {$3700.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX BANK XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (KY)

I have reached out to the company Westlake Financial on numerous occasions via email to customer service as well as a representative named XXXX and she never responded. Emails were sent from XX/XX/XXXX to current day, XX/XX/XXXX. No response. I had 80 percent of XXXX XXXX XXXX and was asking for an extension or to move the amounts to the end of my loan so that I could get out of my financial hardship and get back on my feet and caught up. They never responded and now on my credit report it is showing that my loan was charged off XX/XX/XXXX and possibly up for repossession. 
I even attempted for friends and family to make the payments for me, however I am restricted/locked out of my account so there is no way to make payments.
Consumer complaint received 2024-01-18
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: AMERICAN EXPRESS COMPANY (DC)

I made a purchase for cheerleading uniforms from what I know now as a fraudulent company. Upon receiving the uniforms, I noticed the sizing, color, quality, and construction was not what I asked for or inaccurate. The company refused to refund me. I entered a dispute with AMEX, providing ample evidence of what I asked for and showing what I received. AMEX took two screenshots and a shipping label from the company and sided with them, even though I provided over 15 pieces of evidence showing their misleading color swatches ( in which they admitted that the color looks different over mobile phone, inaccurate sizing charts, and most importantly that the vendor admitted that they did not give me the skirt design I asked for. After disputing AGAIN, AMEX told me that their investigation team concluded it was valid and that I have to dispute directly with the company ( which I already tried to do ) .Now I am out of {$410.00} and have no protection from the bank Ive been at for 3 years.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc. (NY)

I contacted XXXX in regards to my vehicle charge not being maintained in the winter time I have to constantly charged the vehicle in the winter. I believe this to be a defect with only my vehicle, but all XXXX vehicles during the winter time the battery does not last as long as it does in the summer you have to constantly charge.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have noticed discrepancies in my credit report with XXXX and TransUnion regarding the age of my credit history. While my credit report shows my credit age history as originally two years and 11 months, my oldest account is actually five years old, with another account at three years. I request that the average age of my credit accounts be updated to accurately reflect my credit history, as this discrepancy is limiting my credit score. I believe my credit age should be at least five years, or ideally 4 1/2 years, to better reflect my creditworthiness. Additionally, I started my first car loan in XXXX and closed it in XXXX, which should be reflected in my credit history. I am actively working to build my credit, and I believe this update will benefit my credit profile. Your prompt attention to this matter would be greatly appreciated. Thank you.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (LA)

I would like assistance in disputing a charge on my Discover Card. I am a XXXX year old retiree who became involved with XXXX amongst many others.Also on my credit card their merchant 's name is different, It shows as XXXX And XXXX FL. I was contacted by an unsolicited telemarketing phone call last year. They offered me a very profitable online business, a website and training. They disappeared right after I paid them. I tried to get in touch with them and they would not return my calls. I opened a dispute with my credit card, Discover and they told me It has passed too much time and could not help me, they blew me off. I have been in touch with the Attorney General 's Office and they advised me that I have 540 days to dispute since they did not provide the services that they promised me. I am beyond frustrated with this situation, I hope you can help me get my money back.
Consumer complaint received 2022-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Please update this account to paying as agreed never late.
Consumer complaint received 2024-01-18
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. (FL)

I opened a secured " credit builder '' loan with XXXX XXXX reflected on my Equifax file. The full amount of the {$1000.00} Original Balance was never received up front to me directly. A portion of this amount was available to me. {$400.00} or so. Then the rest, I made payments and at the end of the 12 month term, I would have access to the balance in it's entirety. I never received the other {$600.00} and XXXX XXXX has continued to report inaccurate information on my credit file. Status : Account charged off. {$960.00} written off. {$110.00} past due as of XX/XX/XXXX. How are you able to write off an amount of {$960.00} when the past due balance was {$110.00}? The original Balance for this secured loan was {$1000.00}. Again, those funds were never received in the full amount at the beginning of this loan as this was a " secured loan '', not a secured credit card, but a " secured loan ''. Equifax reports in my 24-month payment history that the month of XX/XX/XXXX and XX/XX/XXXX the account remained in a " charged off '' status. How is it possible to remain in a charged off status when the last payment date is stated to be XX/XX/XXXX? This is inaccurate information reported. Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ).
Consumer complaint received 2023-11-27
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (NJ)

I told these people to stop emailing me leave me alone I dont owe anything the school screwed up. I just got text messages from them. I dont understand when I tell them not to communicate they continued to harass me
Consumer complaint received 2024-01-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with Bank of America for unauthorized transactions. These transactions had names of companies that Ive never heard of from places like XXXX, XXXX and many other places. This was 3 years ago. This claim was denied by the bank stating that I authorized these transactions. They put me on the phone with the rudest person Ive ever dealt with. With this jerk yelling at me, interrupting me every time I speak, I was left speechless. He was absolutely positive that I did indeed authorize or make these transactions. Its ludicrous and insulting to be spoken to like this. I used to work for B of A so I know how these banks operate. Theres so many ways people can have their info stolen and money taken. Ive seen many people fall victim to all sorts of scams including identity theft. I felt there was no other recourse to be taken and was worn out and overwhelmed after having been denied and treated like that so I didnt pursue any further. A month ago, early XXXX I found out that a good friend of mine had also disputed unknown transactions on her account around the same time as I did. They were charges from places like XXXX, XXXX, etc. Very very similar kinds of charges. She received a letter in the mail stating that she is being credited XXXX $ immediately. From her dispute made back in XXXX So I contacted Bank of America to get some information on why theyre treating some customers one way and other another way? Come to find out they had no record of my claim. They had lost the records of my first claim even though they investigated it and denied it? I was speechless, I didnt know what to say but they offered to open claim for me. They also submitted a complaint for having lost the information and records of my first claim. So we did that. After a month I received money back in my account but only from the international transaction fees. Then I get a letter saying my claim was denied. Why did they give me the money back for the transaction fees but not the full transactions? Also I wan na know why my friends claim wasnt denied! She banks with Bank of America. We both disputed pretty much the same kinds of charges. She had hundreds of transactions that were unauthorized! My friend was treated fairly and I was not! Every custmer should receive the same amount of respect and decency. I mean who does the bank represent? The customer or some unknown shady entity overseas? It disgusts me to think about. The main reason I contacted the bank was to file a complaint with CFPB. I contacted the bank and explained that I wanted documents from the claim that was denied back in XXXX. This is when my bank tells me that they do not have a record of any claims under my account. So they then went ahead and submitted the new claim. Which was recently denied. I want equal treatment by this bank! I hope I can get the representation I deserve.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/year> capital one banking decided to discontinue business with me due to a verbal dispute i had with their customer service rep. capital one closed my savings account which has XXXX in the account and my checking account which has XXXX in it. they gave absolutely no warning that this was going to take place or give a deadline to move my funds to prevent financial hardship. Since capital one decided to discontinue business, fair business practice would be to have contacted me first so i can make arrangements to transfer my funds. this my hard earned money i worked for. what right do they have to put me in financial hardship. i feel like my money was stolen because im not getting an answer on where my money is. i have absolutely no access to any of my funds. capital one has placed me in financial hardship i have financial responsibilities ( i.e, car payment, rent, utility bills etc. that are due now ). i was told that my XXXX is being mailed to me through regular standard mail and and i can expect my check within XXXX to XXXX business days. i have not gotten any feedback on the status on the status of my funds in my checking account. my check can be stolen easily in regular standard mail capital one clearly has no regard for this matter my XXXX check they allegedly mailed. i asked why would they not send my check overnight mail i was told by the phone rep thats how they mail checks out. On XX/XX/XXXX i went to the capital one branch located at XXXX XXXX XXXXXXXX XXXX, ny XXXX at approximately XXXX. I spoke with the branch manger XXXX to discuss writing me a check for my funds the branch manager stated she can not help me or give me any of my money. i have no cash. The actions of capital one has been detrimental to my mental health. I cant sleep i have high XXXX, deeply XXXX, and extremely frustrated. This is my life savings i worked for and earned rightfully capital one has no right to instill their own form of discipline over a verbal dispute to this extent. If they decided they didt want to do business with they should have contacted me and set up a way for me to get my money from one of their local branches this was done unfairly and there needs to be accountability on capital one. these actions are unprofessional and in my opinion whomever made such decision did this to hurt me and to be spiteful this is just pure evil i seeking justice on this matter through civil action against capital one. im not letting this go!! LAWSUIT!! i have a XXXX XXXX XXXX daughter i have to care for and we dont have access to funds because of the spiteful unprofessional actions of capital one.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (TX)

Company was sent email and certified letter requesting validation of account and official notice of account in Dispute on XX/XX/XXXX with no response. Company does not have a direct number to discuss issues with an account status. Company continues to report fraudulently on my personal consumer report without consent nor providing validation information. I am a victim of identity theft and do not believe this account belongs to me
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and BARCLAYSBANKDELAWARE ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.