davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (WA)

Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX  that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I set up auto pay with capital one they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with XXXX  but capital one did not remove the pay off closed account off my report.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (RI)

On XX/XX/XXXX, I went to the XXXX, MA branch of PNC Bank to close my high yield savings account. I met with a senior banker and confirmed the closing amount would include interest for the month of XXXX through XX/XX/XXXX, in the amount of {$1200.00}. In fact, the banker 's computer screen indicated I was due the interest and the exact amount above. However, when the banker provided the check reflecting the closing amount, I pointed out that the check did not include the {$1200.00} in interest. The senior banker did not understand why that was the case, and he noticed then that the interest had been reversed on his computer screen. He then spoke to the branch manager who also indicated she did not understand why the interest had not been included. I also was told that now that the account was closed, I could not reopen the account or keep it open until the end of the month when the entire month of interest normally would be credited to the account. They tried to get through the help line and could not do so right away so they said they would call to find out what was going on and they would contact me and if necessary mail me a check for the interest once they found out why the interest had been reversed. I subsequently called the PNC bank customer service and lodged a complaint. Later that day I heard back from the customer service that PNC would not do anything for me -- notwithstanding the branch 's misunderstanding that I should have received the interest and offering no warning otherwise before closing the account -- because apparently I needed to have the account open at the end of the month to get any interest in XXXX. The customer service line, at my request, subsequently sent me terms and conditions from XX/XX/XXXX to confirm that was the case, but never sent me the terms and conditions when I opened the account, nor do I recall being sent or seeing any such terms or conditions when I opened the account. In any event, the branch was misinformed and as a result I closed the account based on the representation that I would be receiving the interest. Had they told me I would not be receiving the interest, I would have kept the account open until the end of the month XXXX  some 8 days later XXXX  to get the interest. It is clear that PNC has not properly trained its branch employees. I did not need to close the account and could in fact have kept a small amount of money in there until the interest accrued. In short, as a result of the misrepresentations from branch personnel, I lost out on a significant amount of interest. That is not fair, and if PNC bank is truly a consumer-oriented bank they should own up to the error and reimburse me for the interest. In the high of irony, after my call with the customer service department, they had the gall to send me an email indicating that my concern had been resolved. I responded by email that it had not.
Consumer complaint received 2024-03-22
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. (GA)

am writing to bring to your attention a matter of grave concern regarding my credit report. Upon careful examination, I have discovered unauthorized inquiries listed on my report, indicating potential identity theft. 

As a responsible individual, I regularly monitor my credit activity to ensure its accuracy and integrity. However, the presence of these unauthorized inquiries has raised significant alarm and distress for me. It is evident that my personal information may have been compromised, leading to these fraudulent inquiries. 
I take this matter very seriously and am deeply troubled by the implications it may have on my financial well-being. Identity theft is a severe violation of privacy and trust, and I am committed to taking all necessary steps to rectify this situation and protect my personal information from further misuse.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 Under 15 U.S. Code 1681b 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 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc. (TN)

XXXX continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX  is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are XXXX new accounts- even after they got paid. These companies own 90+ % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX  continues to refuse the XXXX difference owed me. XXXX XXXXXXXX is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX  recently is doing same even with banking history with them. carmax loans cars upside down 2 :! so you cant get out from under them, throws mandatory gap insurance in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. XXXX continues to report slanderous statements whic are simply not correct.
Consumer complaint received 2021-01-07
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. (LA)

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. I am very disappointed.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

experian continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are extorting new accounts- even after they got paid. These companies own XXXX % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX continues to refuse the XXXX difference owed me. XXXX XXXX  is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX recently is doing same even with banking history with them. XXXX XXXX XXXX upside down XXXX :! so you cant get out from under them, throws mandatory XXXX XXXX in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. experian continues to report slanderous statements whic are simply not correct.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (SD)

I've been trying applying for an Apple credit card for the last four days. Most recently today XX/XX/year>. 

I keep getting declined because " We are unable to verify your residential information ''. 

I called the number at the bottom of the email. They told me to call XXXX. I called XXXX and they said it is an Apple problem. I've made about three calls to each company.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX, XXXX and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX  owes this debt. Debt is beyond statute. Other erros remain on my experian files- the data does not meet fcra nor fdcpa compliance.
Consumer complaint received 2021-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I set up the paper bill from BOFA 's app, but never receive any paper bill from bank of america. because of no receiving paper statement, I miss one payment in XX/XX/2020. Bofa 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted Bofa, and they told me they have no error, and never investigate their application. by the way, bofa cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IN)

I was attempting to make a purchase from XXXX XXXX today for a flight. There was a promotional offer for a Citi card. The deal was that if you opened a Citi AA Advantage card, you would have a {$400.00} statement credit. I applied within the portal and was approved for {$4100.00} limit. Then, when I went to complete the purchase, it wanted the card info which I did not have. I contacted XXXX XXXX and was told that I was supposed to have been emailed a temporary card # and to contact Citi. I contacted them and was transferred between multiple departments, none of whom could help me. I was told it will be 7-10 days before I can proceed. I cant wait 7-10 days to book the flight. This is a deceptive practice because it is an offer to open a card which is impossible to use if you have to wait 7-10 days. Most people can not wait that long to book a flight and flight prices or availability can change during that time. This deceptive practice leads to a consumer who opens a card but yet doesnt get the benefits offered ( {$400.00} statement credit ). This process may be intentional in order to increase the amount of credit cards opened and yet avoid paying benefits that were advertised. No one at Citi bank has been of assistance through multiple attempted contacts.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Hello Equifax : I was lucky to get a copy of my and XXXX XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC. (PA)

I signed up with XXXX XXXX XXXX in XXXXXXXX XXXX 2023. I received my aligners on XX/XX/2023. The aligners didn't fit and I requested a refund ( as per my contract I had 30 days ). Smile direct club agreed and I was told they would contact me in the next few days to arrange a return. The company closed on XX/XX/2023. XXXX XXXX XXXX is unreachable by phone, email, and the app and website were closed. The only point of contact was the payment processing company Healthcare Finance Direct. I have reached out to them many times to have my account put on hold and they have refused. I have received a discontinuation of treatment from XXXX XXXX XXXX and I believe the contract is null and void. XXXX XXXX XXXX will not be providing any of the services that were agreed upon but Healthcare Finance Direct has continued to bill my account and refuses to even put it on hold while XXXX XXXX XXXX goes through Bankruptcy. I have no product, no dentist and have needed to seek other medical care but Healthcare Finance Direct has refused to stop billing me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/year> and status of account charged-off XXXX written-off XXXX past due as of XX/XX/year> but this account has been paid-off. so do your investigation and do the necessary update to this
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, experian, XXXX, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

see attached I've recently checked my credit report and notice some inaccurate accounts reporting. 

After recently reviewing my credit report I noticed several inconsistencies regarding multiple accounts in the ( Date of Last Active, Last Reported, Date Open, Comments, Date of last payment ) section. See below. Some accounts are XXXX years old and should not be shown on my report.
Consumer complaint received 2021-01-09
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. (VA)

XXXX XXXX XXXX XXXX ( XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX - Acct # XXXX Please remove Inaccurate reporting
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C. (TX)

XX/XX/2021 Called XXXX Law Office of Brett M Borland, P.C. 

Amount {$590.00} Spoke to account manager. I told him I didn't agree with all the charges. But wanted to discuss settling the account. I told him the charges I had were incorrect. As we reviewed, and discussed the charges, he became argumentative and said too bad I should have disputed it when I moved out. He said I was being rude and condescending when I told him it's against Texas State Law to charge for items in an apartment lease that are considered wear and tear. He stated " Oh when did that become law ''. I told him what I would agree to pay and he blatantly said that wasn't going to happen. I then ended the call when he continued to talk over me.