davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to submit a complaint on Transunion for the inaccurate information they are reporting on my credit report by law all the information must be accurate and match on all three consumer reports and it is not, I have previously tried to dispute the accuracy of this information and the company failed to do so or update me on the process this has hindered me as a young adult from being able to move forward and it is affecting my quality of life I wish someone would hold them responsible. I have attached a copy of my credit report with the highlighted inaccurate information for review
Consumer complaint received 2023-10-10
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. (TX)

TransUnion, XXXX and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Investigate the disputed items and remove them as quickly as you can, in accordance with XXXX law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Consumer complaint received 2023-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp. (WI)

In XX/XX/XXXX there was XXXX medical bills supposedly owed toXX/XX/XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So XXXX took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill one for XXXX again this bill was fake as well since I havent been to any part of XX/XX/XXXX for at least 5 months. The last time I went to XXXX was when I had a XX/XX/XXXX back in I believe it was XXXX of this year. XXXX decided to take these bills without varifying each of these bills. Then XXXX dropped the one bill for XXXX. XXXX still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XX/XX/XXXX and the credit bureau if I have to.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX that is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.
Consumer complaint received 2023-10-10
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: GOLDMAN SACHS BANK USA (FL)

Once again, the CFPB closes my complaint without a response from me. Goldman Sachs has not addressed the simple, basic, fundamental issue at hand here : accreditation. The school has provided proof that I did their learning but has not provided proof that they are a legitimate institution. I can create a school tomorrow to teach people something too, does that make me accredited? 

I AM NOT SATISFIED WITH MY PURCHASE. < -- - This is the reason for my dispute. Accept it and move on. Stop fighting over a measly {$500.00}. 

The bank is also lying and stating that they attempted to contact me on XX/XX/23, XX/XX/23, and XX/XX/23. They did not. I have no phone calls or emails from them, they are clearly lying and trying to get themselves out of this situation with their lies. I assume if the CFPB isn't going to help me I need to escalate this legally against both Goldman Sachs AND the CFPB.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX a cousin tried to send me By XXXX {$500.00}, to my Capital One account, and the bank blocked my accounts ( saving and checking ), I called and they unblocked them The same happened again and when I contacted the bank by phone they informed me they decided to close my accounts. They don't give me a reason, and that makes me feel bad because I know that I haven't done anything wrong, that makes me feel like a criminal by preventing me from moving my accounts and even communicating with them ( if I want to follow up on the matter, I have to go personally to the offices because they don't even answer my calls because my accounts have a 'problem ', and I can't do anything through the bank 's app either ). A month ago I went to the offices and the person who assisted me could not give me any more response than that " they were investigating the case '' that they Dont have a time for answer, it has been 2 months and nothing has happened. If they, for whatever reason, do not want me as a client, that is fine, they are within their rights ; but I am within my right to receive the money that belongs to me. What they are doing seems very unfair to me. The representative told me that when I closed the account within 10 business days I would receive a check with the amount in my accounts and it has been 2 months, I have needs to attend to. I hope you can help me.
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: R & B Corporation of Virginia (VA)

Credit Control Corporation is currently reporting two inaccurate accounts on my consumer report attempting to collect an invalid balance of {$220.00} and {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Credit Control Corporation failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debts being reported. I have no obligation to pay Credit Control Corporation and Im demanding them to remove the collection account from my consumer report.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

Last year, XX/XX/XXXX, I was alerted of fraudulent activity on a Truist account ending in XXXX that I was the custodial parent/joint owner on with my daughter, XXXX XXXX XXXX My daughter was physically in XXXX, NC at the time of the fraudulent activity and I was physically in XXXX, NC. My daughter and I separately called Truist to report the multiple fraudulent incidents that were occurring due to her lost debit card. We were told the fraud department would investigate. I physically went into the XXXX, NC Truist Branch location and spoke with a relationship named XXXX, who additionally called their fraud department and requested they look at ATM cameras to complete the investigation. I also attempted to file a police report but was told by XXXX NC Police department and XXXX NC police department that my daughter would need to do this wherever the fraud occurred. We could only see transactions in XXXX, NC and upon going there, they told us we needed to dispute charges with Truist bank. After almost a year of going back and forward with Truist, we were notified by letter that we both were responsible for the over-drafted account in the amount of {$5000.00} and the account charges were sent to a collection agency. I have called Truist repeatedly, being transferred to the fraud department, spending multiple hours trying to rectify this situation to no avail. I am not responsible for fraudulent activity on any bank accounts I have EVER had and need your help in rectifying this fraudulent matter. On XX/XX/XXXX, my personal checking account ending in XXXX was " force debited '' {$1400.00} to which I went to the bank and they say was to cover the charge off account ending in XXXX which was victim to fraudulent activity but an unknown person ( s ). All I have in possession at this time is the information of the account transactions on the bank account and my multiple statements to the physical Truist bank. I can mail this information to you. I would like for our names unattached to this fraudulent activity. I have banked with Truist for almost 20 years and would never attempt fraudulent activity! I have made numerous calls to Truist and went into the office with no one resolving the issue. They simply keep transferring us to the fraud department which either hangs up or gives no answers. My daughter also visited Truist bank in XXXX, NC where she was residing at the time and called repeatedly with no resolution as well! There has been no follow up to us and we have been charged for someone else 's fraudulent activity against our joint account. I would like all money that we deposited or internally debited from us by Truist returned to our accounts IMMEDIATELY. Please help!
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TN)

At XXXX XXXX in XXXX XXXX IL. I bought a car there and my loan was with Wells Fargo. Alot of things were from my social not being correct to rhe car not even on my credit report. When I traded it at XXXX XXXX in XXXX IL rhey were shocked as well with it all going down
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AZ)

This account was opened fraudulently, when I found out I called XXXX XXXX right away to report that someone used my personal info to guarantee a business XXXX account. XXXX XXXX refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told XXXX before to verify my info before opening any account. Now my credit went down from around XXXX points to XXXX - an almost XXXX points drop for an account that was fraudulently opened.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

my credit report has inaccurate info on it i complained a few times about this and no change capital one i have no card from them bor did i apply for one from them consumer finavial also and 2 of 4 listed from citibank shouldnt be on there
Consumer complaint received 2023-11-12
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: Eastern Account Systems of Connecticut, Inc. (GA)

I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reported this XXXX XXXX company for several months, Equifax keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and Equifax didn't investigate the account correctly, if they would have they would have seen that the XXXX bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already
Consumer complaint received 2023-10-10
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are showing a late payment error from XXXX. I never been late on any of my statements with them. This late payment error is bringing down my fico score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CT)

PDM is trying to collect on an alleged debt that is not mines nor owed. Also, they are not licensed to collect any debt in my state of Connecticut which they continues to try and collect and report on my credit file. I have submitted supported evidence to support my claims yet they fail to acknowledge. PDM continues to violate my rights as a customer by doing so. You will see in the attachment to this complaint how they are violating my rights under section 36 ( a )
Consumer complaint received 2023-10-31
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. (NY)

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. 

a. Account Name : XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX Account # XXXX a. Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXXXXXX XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/XXXX A charge appeared on my credit card for {$350.00} in XXXX XXXX and {$5100.00} was transferred out of my checking account. All that was taken care of by Navy Federal Credit Union. My account was on hold for XXXX hours. 
XX/XX/XXXX After XXXX hours I changed my password and XXXX minutes later I received a call from Navy Federal asking me if I knew a person by the name of XXXX. When I said, " no '' he said well he tried to take {$500.00} out of your checking account. I was put on hold for XXXX minutes while the rep was talking to the Fraud Dept. When he came back on the line he asked me if I had just deposited {$10000.00} into my account. When I replied, " no '' he said it was a fraud deposit and I had to transfer the {$10000.00} to XXXX XXXX, the Fraud Manager. I did as instructed. 
XX/XX/XXXX I checked my Navy Federal Account and found out a personal loan was taken out in my name for {$10000.00}. I immediately call Navy Fed and they had me fill out paperwork to prove it was a scam. The IP address on the loan application was from XXXX, XXXX  and I live in XXXX 
XX/XX/XXXX Received a letter from Navy Fed saying they denied the claim and I was responsible for personal loan. When I called the credit union, I was accused of being complicit in the scam and I was spoken to in an extremely rude and condescending manner. I have been a member there for over XXXX years, now I am being accused of being complicit in the scam. 
XX/XX/XXXX I went into a Navy Federal Branch in XXXX, XXXX  and a young man filled out all the paperwork and took all my documentation and sent it to the fraud unit. He said it definitely was a scam and when he called the Fraud Unit they agreed with him. Since then I have called Navy Federal and gotten the run around with no answers to this scam. 
XX/XX/XXXX I was told claim had not been assigned yet. 
XX/XX/XXXX XXXX first told me XXXX appeal denied, then said he made a mistake and they were still looking into it. Had me send him all the information again. 
XX/XX/XXXX I was told that they did not receive any documentation and now to resubmit it, which I did immediately. I was also told I had to pay the scam loan, first payment was due XX/XX/XXXX, or I would be sent to the collection agency. 
XX/XX/XXXX It has now been almost XXXX weeks with no action from Navy Federal except the run around. Every time I call I get a different person with a different answer. When the fraud loan was taken out my credit score went XXXX  XXXX points from XXXX to XXXX. I have now had to make a payment on that scam loan or it would drop even farther and I would be sent to a collection agency. I am very close to hiring an attorney to sue Navy Federal at this point.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (GA)

I ordered a PayPal prepaid Mastercard, I opened the account in XXXX. I started receiving my unemployment benefits to the account in XX/XX/XXXX the benefits were direct deposits. The last date I had access to these direct deposits were XX/XX/XXXX. I had more payments direct deposited to the account in XX/XX/XXXX. These deposits in total were {$7000.00}. Theses deposits are the ones I'm trying to find and gain access to. The dates of these deposits are XX/XX/XXXX and XX/XX/XXXX. I have been trying to gain access to this account for two years. I've been working with Paypal prepaid Mastercard as well as Paypal and NetSpend who I've sent all my government documents to prove my identification. I can't remember the email address I used when I opened the account or the phone number or card number. I believe they should be able to locate my money with these documents. I haven't had any luck with these companies in hopes of getting any closer to obtaining my money. I've done everything they have asked me to do and still no account with my direct deposits have been found. I have went to my local unemployment office to try and obtain the account number the funds were deposited into to give to Paypal prepaid Mastercard and was told they don't give out account information even to the account member. I am trying to obtain these funds before they get sent into a unclaimed money account in my state. I'm having to pay taxes on this money and I never received it. I need help with this please help me. Thank you
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Equifax mishandled the resolution of my credit report. My credit report is being based off of someone elses social security number, and they resolved my other disputes on my report before resolving the SS number. My report has my full name, my DOB and my address, but it uses my brothers SS number. I sent them a copy of my SS card through their online dispute portal on XX/XX/2023. It still says on XX/XX/2023 that they have not begun investigation of that issue. I also mailed a copy of my drivers license, my SS card and a cover letter to them on XX/XX/2023. They claim that they still have not received the documentation. I lost my car to an accident in XXXX, and I am still without a car because of this egregious mistake by Equifax. I am expecting a complete and correct resolution within the next 10 business days to avoid pursuing legal action.