davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a debit card with capital one. I made a purchase for abound {$960.00} which I received an invoice for. The merchant charge my debit card for around {$1800.00}. I made good faith efforts to resolve the issue with the merchant. After all my attempts to resolve this issue with the merchant fails I called capital one to file a dispute. Around a month after filing the dispute I received an email asking for supporting documents. I provided all my supporting documents. 5 days later my claim was denied for not sending in my supporting documents. I called capital one. They received my email but never reached out and never reviewed my documents. The claim was reopened only to be denied later because capital one claims the charge was valid. Capital one never reviewed my supporting documents. I request all documents that were used during the investigation. I only received a customer dispute intake form and no documents from the merchant or myself. I call capital one only to get to a call center who has no explanation and can do absolutely nothing. This is so frustrating. I have zero fraud responsibility. Capital one has violated my rights.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a {$17.00} payment to XXXX through Bank of America bill pay service /XXXX  said they did not receive the payment I called the bank the bank said that bill pay service said that they paid the merchant/ I told Bank of America I wanted to dispute the charge but they would not dispute it because they said they can not dispute their own pay service i then close the account but my {$17.00} was still missing and has not been paid to the merchant or return to me
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or needs to be deleted. Per FCRA segment 605 you are expected to remove any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

have tried for four months ( by phone and by mail ) to have obsolete/outdated/inaccurate addresses removed from my credit report with transunion credit bureau they are : XXXX XXXX XXXX, XXXX XXXX, fl XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, fl XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, fl XXXX without success, each time I am assured it will be done but each report still shows these addresses ; for prime example how could I have lived at XXXX XXXX XXXX, XXXX, fl XXXX
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (PA)

I received a debt collection request whose creditor is XXXX  XXXX XXXX. I don't owe the debt ( I don't even have an account in XXXX XXXX XXXX XXXX. Last year when they tried to collect the debt through some debt collector ( I forgot the name ), and I disputed it. However this year, again, they send me a collection letter, from a different collector, MRS BPO, L.L.C.. 

I don't owe the debt, and I have disputed it. So I don't understand why they send me another debt collection.
Consumer complaint received 2021-01-13
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. (NY)

NO THROUGH REVESTINGTON HAS BEEN DONE IN THIS MATTER.I HAVE PROVIDED COURTS DOCUMENTS AND COUNTY RECORDS TO HAVE THE MATTER RESLOVED.SEVERAL TIMES WITH NO RESPONSE.
Consumer complaint received 2021-01-13
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. (PA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (IA)

I am the seller of a residential property. The buyers are financing with Broker Solutions Inc. dba New American Funding. The buyers sent me a statement of denial with the box checked " Inadequate Collateral and Unacceptable Property. '' The is no further explanation and upon my request to the lender they refuse to provide any further explanation. The lender provided this document with no proof or documentation and without ever viewing the property. The buyers are using this to break the purchase contract and obtain an earnest money refund. I believe the lender provided this document to help the buyers get out of their contract and in fact committed fraud. Let it also be know that the document was to be signed by XXXX XXXX the loan originator. However XXXX was on vacation when the document was signed. When reaching out to the lender I was connected to XXXX XXXX, XXXX XXXX manager who stated he was the one who actually signed his name above where XXXX XXXX 's name is printed.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have requested to do a verification and validation of this debt with a Photo copy of my identification or SS. They have not given me what I have ask for on numerous occasions. I am requesting to be deleted due to not be able to verify the information.
Consumer complaint received 2020-03-10
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: JPMORGAN CHASE & CO. (CO)

My husband makes periodic charges on XXXX XXXX on behalf of my XXXXYO daughter. Because XXXX automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on XXXX, you would see that he does this every time he purchases something from XXXX XXXX on behalf of my daughter. XXXX keeps this information in their data files. On XX/XX/20, he authorized a charge on XXXX XXXX for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, XXXX kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/20 - XX/XX/20. I learned of the charges on XX/XX/20 and contacted XXXX for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked XXXX for documentation concerning the account activity ( each click and command given ) for XX/XX/20 and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

As of this writing, our credit card company, Chase Bank, also won't refund us. They say that XXXX disputes our claim that these charges were unauthorized so they won't credit the charges either. Additionally, Chase Bank 's fraud services failed us in notifying us of international charges ( XXXX is based in XXXX ) as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- XXXX charges in less than a few hours -- and didn't send me an alert or deny the charges based on suspicious activity. I feel as both XXXX and Chase are not offering the proper protection against the unauthorized charges that I've incurred. 

We have disabled all purchase capabilities on XXXX due to this issue. We did all that we knew to do to avoid unauthorized charges and yet, when it happened, XXXX won't refund us or provide the data needed to show that we removed the card. My complaint with Chase is that they didn't notify me when suspicious charges were occurring ( there was no alert I could sign up for when charges are repeatedly sent through in a short period of time ) and when I notified them on XX/XX/20 that the charges were not authorized, they failed to deny payment to XXXX.
Consumer complaint received 2020-03-10
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: CAINE & WEINER COMPANY, INC. (PA)

this has been going on for way too long. i have filed many reports to the bureaus and have been in contact with the creditors. none of which resulted in anything getting done. there are falsely reported accounts on my credit from someone else and is really making my life inconvenient.
Consumer complaint received 2021-01-13
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 (VA)

I have a Capital One account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of XXXX XXXX XXXX. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my Capital One account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from XXXX XXXX XXXX on behalf of Capital One. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.
Consumer complaint received 2020-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes Capital One, XXXX, and XXXX.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my debit card and drivers license were stolen. I canceled my debit card and filed a police report about the situation. I also reported this to SunTrust customer service. On XX/XX/XXXX, someone went into the SunTrust branch in XXXX Florida and used the teller connect system. They used my lost ID and my canceled debit card to withdraw {$900.00} from my account. A fraud complaint was filed on XX/XX/XXXX. As of today, XX/XX/XXXX, Suntrust has not come to a resolution. Ive called the fraud department every day and no one will give me an update on the case or give me my stolen money back. Customer care refuses to tell me any information.
Consumer complaint received 2023-01-17
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. (CT)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-17
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. (NY)

XXXX XXXX reports on my credit bureau as active with a balance owing by me. I dont have any credit card from the company and they were unable to find anything about me so its opened fraudulently
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer and therefore a 2nd letter was sent at this time. Partial verification was received however the documents were incomplete and incorrect ; forms did not include a payment and delinquency history, lease agreement was not in its entirety and amounts owed per the lease agreement do not add up to what is on the ledger, the ledger does not include credit for pet deposits and the apartment number listed is not correct and reports that the apartment was carpeted when the unit did not have any carpets whatsoever. After receiving the partial verification the agency was contacted via phone call on 3 different occasions and 3 different escalations however no corrections have been made. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (IN)

This Company never made me aware that this apartment lease was being put under my Name since I never lived there but my Siblings even though I was there when they were signing and I was under the impression that I was just used as contact reference. Now there is a {$4000.00} opened status balance on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Type : Derogatory Original Creator Name : XXXX XXXX
Consumer complaint received 2020-03-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I ordered a round of drinks and started a tab with XXXX, XXXX and was charged a {$300.00} tip on a tab of {$190.00}, I never authorized this tip nor was I aware until it showed on my card statement. I have attempted to resolve with USAA and the merchant to no success. the credit card receipt shown to me in the dispute has a forged signature and is not mine. I stated this to USAA 's fraud department and they said they're not handwriting experts and the charge is valid. THIS WAS NEVER AUTHORIZED TO BE CHARGED AND WAS FORGED ONTO A RECEIPT! I have even pointed out that the receipts are forged and I was not given any copy. The merchant recognized verbally that the waitress had been fired and offered to give me a free bottle of alcohol. I stated I wanted my money back and this was not acceptable. I updated USAA on this and they didn't seem to care or want to do anything! They continue to say the charge is valid and made me pay it. THIS IS ILEGAL AND UNACCEPTABLE!
Consumer complaint received 2021-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (IA)

To whom it may concern, I am very disturbed about my dealings with a company know as Check n Go I was under the impression that given the CARES ACT in place given the pandemic, that 300 % interest rates had been curtailed. I have dealt with this company in the past and the interest rate had been halted due to the virus. 
The loan for {$5000.00} was opened in XXXX of XXXX and to date XX/XX/XXXX I have made a substantial payment of {$1100.00}. When contacting the company, I was told that the monthly interest had already accrued and I was owing exactly what I had initially borrowed all over again. 
This is unethical and constitutes thievery. I am operating in good faith to pay back a loan as quickly as possible but was told by an employee that the first nine payments go entirely to satisfy interest only resulting in a XXXX XXXX dollar balance owed. 
I ask for the help of the CFPB to make contact with this organization and to reign in this practice once and for all. This is resulting in taking severe advantage of people that have no idea of the methods of this company and their true stealing practices.
Consumer complaint received 2021-03-11
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.