davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I filed three claims for fraud/unauthorized activity with Capital One 360 Checking. 

Claim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXX. 

My name is XXXX XXXX, birthday XX/XX/, last four of social XXXX. 
The claims listed above filed by me on XXXX, were WRONGFULLY DENIED after only 8 days of investigation, I was not even issued provisional credit. The reasons Capital One gave for the determination is " Due to your assertion about the debit card possession and transaction information ''. This is completely inaccurate as I NEVER HAD POSSESSION OF THE DEBIT CARD, it was delivered XXXX which did not require a signature, left outsidemy door where my sister proceeded to pick up the card activate and use it for the transactions in the claims number listed above. 
Whomever I spoke with initially about the claim took down an inaccuratereport, which has caused me severe financial hardship. I have had this Capital One accountfor YEARS and nothing like this has even happened. 
Attached please find PROOF mine and of my Sisters ( the culprits ) address in the form of a XXXX bill in her name, which is where the card was sent to. I notified the representative of this on the phone, and let them know she no longer lives here and has a history of stealing from family to support her addiction. I contacted the XXXX police, told them my sister gave a VERBAL admission to taking the card and activating it by logging into my Capital One application and entering the CVV code- which makes it way too easy for someone commit fraud by the way, they should be required to call and verify. 
So to be clear : I NEVER had physical access of this card when it was mailed, how can an investigation into theft/fraud only take 8 days to finalize?? Did you review ATM camera footage? Apparently not, as I clearly am NOT responsible for any charges or transactions made in the claims numbers listed above. I have filed a report with the Consumer Finance Protection Bureau and I hope we can resolve this matter as I was truly a victim of theft here and this is extremely stressful. 
Please let me know if any further documentation is required or if you would like to speak to the Detective with XXXX, Illinois police department. 
Thank you XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Credit reporting agency is reporting incorrect information on XXXX XXXX XXXX account XXXX that states to have a balance of XXXX is incorrect. I do not owe that company nor do i have a active contract with them. As i sent the court documents from the state stating that the balance is XXXX. The credit company is being paid to keep negative information on my account from XXXX. In addition the account is more than XXXX XXXX XXXX which is supposed to be deleted. 

consumer portfolio services- account states a balance is XXXX which is incorrect. the car was a lemon and was sold under false pretense in the state of pa. the car was stolen and that amount in not owed. 

wrong information for dept of education. there are no late payments and neagtive accounts older than 7 years need to be deleted. 

there are inquiries older than 2 years on account and inquiries that i did not authorize.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MT)

Someone hacked into my phone and hacked into my Chime bank account and stole my XXXX check and my financial aid check amounting out to {$1000.00}. And another dispute amounting out to {$450.00} I disputed with the Chime support XXXX times in the past XXXX days and rebuttaled XXXX times in the past XXXX days Ive contacted Chime XXXX times in the past XXXX days. I got hung up on XXXX times and the rest of the time they lied and said that no error occurred I provided evidence that an error did occur. I filed a police report With the police and in the police report, it stated that Chime needed to refund me. They are refusing to refund me. They are refusing to go through with the claim. They also told me several times that I qualified for a provisional credit for the money that was stolen and then sent an email saying that they were not gon na give me that money that was stolen from my account afterwards several times I also wrote a letter explaining everything as well
Consumer complaint received 2023-12-06
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. (FL)

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.
Consumer complaint received 2023-03-20
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. (IN)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-22
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these 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  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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 2023-03-10
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. (CA)

This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (AL)

On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. 

On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. 

Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. 

Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. 

The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. 

I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. 

Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly.

After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.
Consumer complaint received 2023-10-31
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. (MN)

I am submitting to provide a follow-up on my previous complaint regarding inaccuracies in my credit reports. Within the next 15 days, I am planning to update my credit reports, and I would like to draw your attention to the FCRA section 605b, which mandates that Credit Bureaus must remove any items listed on an identity theft report. I am earnestly hoping that the Equifax Credit Bureau will, at last, remove the remaining inquiries from my credit file. The inquiries in question are as follows : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-31
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: DISCOVER BANK (CA)

I had disputed couple transactions for {$100.00} each on XX/XX/23 I received a credit on my account on XX/XX/23 for {$100.00} I also received a letter stating my dispute was resolved in my favor on XX/XX/23 fir {$100.00} & that I would receive a permanent credit case closed. Then on XX/XX/23 I had an adjustment on my account for {$100.00} added? So I called to find out why? The system sent me information sting both cases were found in my favor for {$100.00} and I would receive a permanent credit. Case closed I have the documentation and letters from discover card? So why are they adding {$100.00} to my account balance on XX/XX/23?
Consumer complaint received 2023-10-31
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : TBOM/ASPIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (CA)

In XXXX of 2020 I received a government stimulus check to my Robinhood account. Robinhood then froze my account and kept the money stating that they thought the activity was fraudulent. They have refused to return my money or prove to me why they thought the deposit was fraudulent. I am at my wit 's end with these people I have talked to them several times on the phone and through email and they say that there is nothing they can do and they will not close my account or return my money.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I am a XXXX XXXX XXXX XXXX who has applied for an exception for my tax an although I've provided proof of my statues the mortgage company which is Mr , Cooper is saying that they only show that I am 4 % tax reduction eligibility. Second issue is that I tried to get removed from the escrow and paid them the money that was in the negative in escrow to bring my balance to XXXX and they said that they never received the money and second the 've doubled my escrow from XXXX to XXXX dollars in one day. When I was first made aware of the escrow issue is when my mortgage company was Trippled my monthly payments from XXXX to XXXX in XXXX of this year. Once I was able to get them to recognized the tax decuction my monthly payment is now XXXX these numbers are just ball park figures however the point is I feel that I am dealing with an unhonest company. I spoke with them about the XXXX dollars I paid them on XXXX XXXX XXXXXXXX XXXX to bring my escrow balance to XXXX they said that they didn't process the money because it was one digit off something crazy like that but I was never made aware of an issue with my payment.
Consumer complaint received 2023-12-22
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. (RI)

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report.

FCRA section 604 ( provides that *a person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumer complaint received 2023-12-22
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. (CA)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-22
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX not with a 3rd party debt collection company name thats on my credit is XXXX I never signed with them.. They dont have the original documents.