davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, I was in XXXX XXXX, XXXX trying to get a XXXX XXXX  parking ticket from a ticket machine. I do not read French very well. A guy offered to help me and I accepted. He fumbled around the machine, but he must have had a chip reader on his person, because he ended up charging a total of XXXX XXXX  to a XXXX  account, which I learned is like XXXX. Although I received a text from Capital One and I replied no, I didn't authorize such a charge, and I called Capital One immediately after realizing what had happened, Cap One insists that it is my fault, that it is a merchant dispute, that I owe them over {$5000.00}, plus interest, because I have not paid this unauthorized charge. Tow Capoital One cards were involved - one, with a small credit card, was absolved of the charge, but the other card, which had a much larger credit card, is the problem. 

I disputed the charge. Cap One took charges off a couple of times and then finally put them back on XX/XX/XXXX. 
I have emailed several times and sent a registered letter to supposed merchant and have not received a reply. The merchant is a midwife in XXXX. The fraud happened in XXXX XXXX. I am XXXX XXXX XXXX and do not need a midwife. Cap One doesn't care. They say a scam is not fraud. They say because I did not lose my card, it is not fraud. 
Why did one Cap One entity ( Spark ) acknowledge it as fraud and the other ( professional? ) not? Do they not care about their zero fraud poIicy? 
I want the charges and interest taken off my card and I also want Cap One to write the credit agencies to restore my credit rating.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Somehow there was an extended fraud alert put on all 3 credit agencies. XXXX and XXXX XXXX allowed me to remove it but I had to call them. Equifax is refusing to remove it. They made me take a photo of my ID and myself through and app then told me I couldnt verify myself the information they had didnt match up. I asked to speak to a supervisor and the supervisor refused to help me and told me that I have to mail documents in. After asking 4 times what documents but her refusing to answer me just reading a script and talking over me I just hung up. I did not authorize this fraud alert and I want it removed immediately. Im not mailing my personal information through the postal service at all. This is probably how my identity was stolen in the first place years ago. I did not authorize this and I want it removed off my account immediately. Whoever put it on there didnt have to go through this verification OBVIOUSLY because it wasnt me so why should I have to go through this trouble?
Consumer complaint received 2023-06-28
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. (NJ)

- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX Date Opened : XX/XX/XXXX reported to TRANSUNION, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states that I have the right to privacy. 15usc 1666 section 604 A section 2 it also states that consumers reporting agencies can not furnished an account without my written instructions.Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have repeatedly asked HSBC USA through HSBC XXXX to reverse the {$120000.00} transaction I sent through them after falling victim to a scammer. However, this bank has taken no action, and I received an email informing me that they can no longer assist me because they have sent the funds to the recipient already. HSBC USA and XXXX abandoned and disregarded me when I required assistance.
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected PRONTO : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (PA)

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the Experian & XXXX breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-23
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. (TX)

I sent my letter off on XXXX XXXX, 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2023-05-26
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. (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. 

Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2022-12-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Acct 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. 

Also according to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have have verified it as accurate according to their reinvestigation but yet have an account with no account number. Evidence provided below with violation
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently pulled a copy of my credit report and noticed that XXXX account is still being reported. After noticing the account I contacted the credit reporting agencies to get this issue resolved. XXXX is the only agency who has deleted this account due its inaccurate reporting. This will be my second attempt with XXXX and Experian. 

Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). I
Consumer complaint received 2023-08-12
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 (FL)

XXXX-Disputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXX-disputed balance for XXXX but didnt remove
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/NewRez and Shellpoint without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.
Consumer complaint received 2024-02-10
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: AMERICAN EXPRESS COMPANY (FL)

I purchased something on my card, and I returned it they say I passe the 15 days return, and I ask where I signed for return, or did anybody mention that to me when I purchased ( no ).
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MD)

I have been attempting to contact your department since XXXX via mail, alerting you to the presence of an inaccurate and misleading entry on my credit report. However, even after obtaining an updated copy of my credit report today, this erroneous item persists. That's why this time I raised this concern via CFPB.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America recently denied me a business credit card even though I around XXXX in business a month since last year and have XXXX in my business account. Im waiting on their letter. Im sure they will try to blame the denial on a bankruptcy that was dismissed over XXXX years ago. 

My scores on all agencies has risen. On XXXX it fluctuates around XXXX the other XXXX around XXXX. Nothing outstanding in a negative way and I paid off my student loans in full months ago. The credit reports show the accounts as paid off. 

I only have XXXX credit card with {$1000.00} limit which Ive been paying off for months since I us it for my business.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (WA)

PNC Mortgage has placed an incorrect status on my credit for my mortgage loan with them. My credit pulls up with a notation of " impacted by natural disaster ''. I originally addressed this with PNC Mortgage and there escalation department - Rep. XXXX in late XX/XX/2020. On XX/XX/2020 XXXX confirmed that the credit department will be removing this status from my credit report. I confirmed with XXXX that I am not being impacted by a natural disaster. As of XX/XX/2020 this label still remains on my credit. My payments are made each month and my mortgage payments are current.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I applied to an apartment paid with my bank account. Then they said they refunded the money to my account, which I never received. I went to a branch and they said my account was closed XX/XX/XXXX but theres no record of anything. Nor was I notified about it being closed.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Armada Corp. (WA)

Hello so I got some papers from Armada corp saying I have debt I am willing to pay but just some of my mail has been going to my old address and Im not really getting a lot of them I tired paying in my chart but it says I went to debt and today I received a paper in mail about it going to collections
Consumer complaint received 2024-02-26
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. (IL)

In accordance with the Fair Credit Reporting act ( EXPERIAN ), 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. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My mortgage company is Freedom Mortgage. I have 1 day lapse insurance. it triggered to open an escrow account and enforcement insurance place. I took care of it and paid for that day lapse. Provided all my insurance informations showing that I have coverage from XXXX. They mailed me a letter saying that they were able to cancel the enforcement insurance but the payment still reflect in my statement. They still charging me {$57.00} inbound. I have numerous times and the representatives were clueless. They tried to do analysis and research, they keep telling me to call back 7-10 days to see the updates. It has been like this for months. I am so tired of this company. Ive put everything in writing and fax over to the escrow department saying that I want to purchase my own insurance and ask them to close it. I also emails and begging for me but they wont do anything. Can anyone help me?