davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XXXX XXXX XXXX XXXX paid my XXXX employees with payroll check # XXXX to XXXX,. XX/XX/XXXX, Monday noticed fraudulent activity online of XXXX unknown checks taking out {$5900.00} total from my checking account. Checks XXXX  XXXX {$1400.00}XXXX XXXX XXXXXXXX {$1400.00}, XXXX  XXXX {$1500.00} and XXXX XXXXXXXX {$1400.00}. 

Called Citizen Bank Fraud Unit : Complaint # XXXX on XX/XX/XXXX, Monday and Went to my local branch to open new checking account. The XXXX XXXX, XXXX said, it was obvious their checks were fraud because they copied my signature line and pasted it on a slant on their fraud checks. They copied the signature line, routing/account number and my business logo and pasted it on their fraudulent checks. XXXX were cashed in XXXX XXXX and XXXX were cashed in XXXX, New Jersey on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they were fast in making their fraudulent checks ) They gave me copies of the fraudulent checks and I compared that signature to my payroll checks and XXXX  XXXX written signature matched the fraudulent check perfectly. I asked that employee how they deposited their check, Photo check, online deposit to XXXX XXXX XXXX 

I also filed a report with local Police Department but activities were in New Jersey. 

I have been calling Citizen Bank Fraud Dept and keep getting XXXX Operator and yesterday, I asked what progress was since it is almost XXXX months, the guy said, he sees no activity or progress. I asked if there were " boots on the ground '' to look at the surveillance system at the banks in these locations and he did not reply. 

Don't know where online deposit images go, but someone captured the check and copied and pasted to make XXXX fraudulent checks.
Consumer complaint received 2023-02-16
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. (MN)

I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( XXXX ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Pursuant to 15USC ( e ) ( b ), I am disputing the item listed below with Equifax because there reporting is inaccurate compared to the other credit reporting agencies. FCRA / CFPB requires the credit reported information should report 100 % accurate across all reporting agencies. This account is not reporting accurately with Equifax
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. 

XXXX  XXXX ( Bank ) XX/XX/2022 KOHLS/CAPONE ( Retailer ) XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 2022
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

On XX/XX/23 I contacted Credence Resource Management , LLC in response to a letter received in the mail, letting them know that I dispute the debt and requesting them to provide documentation proving that the debt was mine prior to taking any further collection actions. 

On XX/XX/23 I received a response from Credence Resource Management , LLC confirming that they received the dispute. 

On XX/XX/23 I was informed via credit monitoring that the account had been reported as delinquent despite Credence Resource Management , LLC failing to provide any of the required proof or documentation of my ownership of the debt, and failing to inform the appropriate credit agencies of the disputed status of the debt.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru XXXX on XX/XX/XXXX. I have used XXXX for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.
Consumer complaint received 2024-04-23
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: SYNCHRONY FINANCIAL (PA)

I made a purchase on XXXX on XX/XX/2024 totaling to {$1900.00}. It was a big purchase involving multiple furnitures and furniture sets. XXXX of those items was a dresser which totaled to {$270.00} and it was a defective dresser. I have tried contacting XXXX to send specific pieces needed to fix the dresser and claimed they didn't have those specific pieces available and they couldn't assist me further but to return the dresser for a full refund. The dresser was already mantled and the box had already been thrown out. I couldn't dismantle it and ship it back to XXXX for a full refund. I kept insisting on another resolution because sending it back was unrealistic especially with all those pieces it came with and how big the dresser is. I asked for a {$270.00} refund because that's how much the dresser is worth so I can just rebuy it or XXXX similar to it. And I asked for a refund due to the dresser having faulty bolts and a defective wood frame on one of the drawers. They refused a full refund. I disputed this amount with PayPal and they are siding with XXXX based on a receipt they provided to PayPal. And XXXX didn't provide a return label or a box to send back the original item.
Consumer complaint received 2022-10-27
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. (PA)

n accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/23 I made a deposit with TD Bank at XXXX XXXX XXXX XXXX XXXX, NJ XXXX in the amount of {$4000.00} given to me by my father. I have not been able to access the money due to XXXX separate holds on this check for no stated reason. Despite providing the necessary paperwork requested to approve this check, I have consistently denies access to my money as fees build up. I have reached out to the bank and spoke with a XXXX XXXX, who was unhelpful, laughed at me over the phone and has since not returned by call after informing me he would speak with his manager. The second person I spoke with at the bank, a woman named XXXX was more helpful and despite her her attempts was unable on her end to help release funds. 

Ive done business with this bank for more than 3 years and have never had an issue before. I am unable to access this money and have since had my accounts that take payment from this account return. This bank and this XXXX transaction have been detrimental. All I am asking for is a release of my money so that I may close this account.
Consumer complaint received 2020-05-11
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. (GA)

Equifax and XXXX  have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, 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)

I have disputed the inquiries with EQUIFAX XX/XX/2023 they replied within 24 hours that In this situation : l We request that the reporting company verify the accuracy of the information you disputed ; l We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and l We request that they send Equifax a response to your dispute and update their records and systems, as necessary. 
If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record. 

I dont know how all companies were able to provide contracts in less tan 24 hour with this i can only conclude that EQUIFAX XXXX NOT ACTUALLY PERFORM a dispute. i need to have these inquires removed.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

There as been a collection on my credit ( XXXX ) that is not my. I have already disputed this account before explaining that this collection does not belong to me and was deleted. But not it has appeared again and I disputed it once again explaining that I have no responsibly with this collection. But it was verify as accurate. I have no responsibly/ownership with this collection. The collection amount is {$11000.00} and the creditor trying to collect this is Sunrise Credit Service.
Consumer complaint received 2022-10-27
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act, 15 USC 1681I ( a ) ( i ) ( A ), Can you please reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have requested a proper documentation about the unauthorized inquiries to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these unauthorized inquiries and it was in dispute within 30 days now. This unauthorized inquiries are in violation.
Consumer complaint received 2023-09-01
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: CITIBANK, N.A. (GA)

Citi responded to CFPB case XXXX stating a refund {$3600.00} would be issued by XX/XX/ to my checking account by ACH deposit. 

It was not.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NJ)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (GA)

As someone who lives paycheck to paycheck, it is already difficult to make ends meet. Navy Federal Credit Union makes it even harder with their non sufficient funds fee of {$29.00} every time someone tries to debit money from my account that I dont have. Transactions as low as {$1.00} attempting to come out of my account, have cost me hundreds of dollars in XXXX  fees, instead of declining a transaction like they would do if I was in a store and did not have enough money for the transaction they just keep charging my already negative account {$29.00} repeatedly. They dont even pay the charge that tried to come out, which usually is the case with overdraft. So not only does the charge decline, not get paid, I in addition to that owe my bank now as well. Its not right, its not fair, and its creating more debt and less money for bills and food. On top of that they charge an additional dollar for using an ATM that is not one of theirs, so if I need {$20.00}, I have {$25.00}, the ATM charges me {$3.00} for their fee, then my bank charges me another dollar on top of that as what feels like a punishment. These things cost XXXX XXXX nothing, but me the account holder everything. How are these fees legal?