davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a large payment ( thousands of dollars ) to my Capital One credit card by accident. I was using an online bill pay tool from my bank and clicked on the wrong payee. I noticed right away that I had made this payment in error, and I called Capital One that same day. Capital One told me to hang up and call my bank. I did so, but the payment had already been processed by the bank, and the bank told me that I'd have to request a credit balance refund from Capital One. I called Capital One back and they told me that they could issue a refund as soon as the payment cleared. 

That was several weeks ago. Since then, I have been on several hours-long telephone calls with Capital One trying to get my credit balance refunded. Each time, the person I speak with tells me that I haven't submitted enough information. I have given them everything they've asked for. I have provided them with a bank statement showing that the erroneous payment came from my account, that I own the account, etc. But each time, they tell me it's not enough and they need more information. Now they are telling me that they need to speak with my bank, but they can't hold for more than ten minutes and my bank has a hold time longer than ten minutes. I don't know what to do at this point. I also submitted a written request for a refund of my credit balance. It is a lot of money and I suspect that Capital One is intentionally withholding it from me for some reason.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the message I keep getting from Transunion. They are the only one that keeps reporting this false information. They continue to say that they are using a company to verify this information. The company that furnish the information is not affiliated with a court and is not a legitimate authority to verify the existence of a record. I have contacted the court and they have confirmed to me that they never verified no such record nor received any contact from Transunion during any credit dispute investigation. They stated that they do not release any such information to the public and are not responsible for anything like that reporting to any online site nor credit reporting agencies.The court clerk told me that XXXX or XXXX XXXX neither are associated with the court. XXXX XXXX does not report a Bankruptcy Therefore your response to my initial dispute where you state that the information is verified is either a lie or an error. Transunion did you verify this record with the courts as required? Please provide detailed explanation of your FCRA complaint investigation. It is only fair that in accordance with Section 16 18 A5 of the FCRA that you delete this record immediately and send me an updated copy of the credit report. I worked for the XXXX XXXX XXXX in XXXX operations worldwide. My data was compromised by the XXXX hacking of the OPM database where all personal details for the lives of XXXX XXXX XXXX personnel is held. My addresses and account info was all sent to the Dark Web and used for so many scams and identity theft. Someone else did this to hurt me. I am also a public figure in the U.S, just XXXX  me. People are always attacking my identity and doing things in my name. Also see my attached birth certificate. My legal name is XXXX XXXX XXXX XXXX. Any an all legal documents that I sign by hand with authority to bind to an agreement as signed as such. The record you are using the verify and add this to my account is not only against FCRA protected privacy, but It is also Not accurate as There is no way the record has my name on it because its not mine. Please delete it immediately. I am a 100 percent XXXX veteran. Please stop hurting me, I am facing serious health issues and having an accurate credit report is essential to my survival to secure financing for my health issues. ____________________________________________________________________ From Transunion : Your Bankruptcy Dispute has been updated. The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Type of Record : Bankruptcy Reference Number : XXXX
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (IN)

Someone opened a checking account under my name. Then made a cash advance from my credit card into the checking account. Then they made an external transfer from the checking account to another account outside of my financial institution.
Consumer complaint received 2020-04-10
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. (GA)

PNC failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX pnc reported that I didn't pay the loan payment on a vehicle that I didn't even own.
Consumer complaint received 2020-04-10
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. (AZ)

On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with Experian and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. Experian also refused to fix it even when I submitted documentation proving it had been paid off.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One rep ( s ) refuse to reissue affidavit regarding a check intercepted and cashed in my name, the amount of which is {$4200.00}. Both a XXXX and a XXXX, depending on which rep replies, either flat out refuse to reissue or refer back to party whom cashed check in which case it is not my responsibility to do so. Even so, the party is unreachable, has blocked out messages via XXXX. The reps refer to a prior statement made, : I was able to obtain funds from person '' or similar thereof.. The funds were in form of a check which did not clear and even verified in with XXXX XXXX, the issuing bank... This information was provided to Capital One previously, still refuse to investigate... I request the CFPB look into Capital One 's handling of this matter dating back to 2018, a XXXX XXXX replied by implying the party whom cashed check is related, did nothing more.. I disproved her implication and she still refused to do anything further. As stated prior, even if the person is related, does not mean the funds weren't stolen as they were.. Capital One reps do not seem to understand this and or simply refuse to move on matter.. I request the CFPB look into Capital One 's entire handling of this matter dating back to 2018, launch an investigation in re.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I tried to withdraw funds from my apple savings account administered by Goldman Sachs Bank USA to my Apple XXXX account. Each time I try this for the past several months my transaction fails. I have been told by Goldman Sachs customer support this is because my Apple XXXX account is restricted, but green dot ( the company administering my Apple XXXX account ) denies this. I just need to be able to withdraw funds from this account to Apple Pay.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX  and left a complaint. I also contacted XXXX directly and was told I would have to contact Transunion to have the hard pull remove because there was nothing they could do on there end. I contacted Transunion on XX/XX/year> by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Citibank keeps decreasing my credit limits on all my cards which is impacting my credit ratio because I make payments and they decrease my limit to whatever my balance is which is showing that my credit is being used at 98 % ratio. I have not missed a payment or in collection with any company and I understand that a review could be completed every year or every few months but not ever single month to discuss my payment. I always receive mail from Citibank to do a balance transfer how would I be able to do a balance transfer even if I wanted to if Citibank keeps decreasing my limit. What they are doing is unethical and seems like Im getting profiled by Citibank. Please help
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX   XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian over XXXX different times to inform them about and incorrect information being furnished on a consumer report about me. Today I decided to call them directly due to the fact that they have ignored me continuously and failed to correct the errors they were committing. I called Experian and got a representative who's name was XXXX and I informed him about the inaccuracies and incomplete information on the consumer report which were : Personal information : address ; XXXX XXXX XXXX XXXX, NY XXXX, I have never resided at this address and it does not belong to me. Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, this address is incomplete innacurrate. Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these are not my correct name, my only name is XXXX XXXX XXXX. I also informed them about XXXX accounts reporting innacurrate, incomplete and false information the accounts were XXXX DEPARTMENT OF EDUCATION XXXX and XXXX DEPARTMENT OF EDUCATION XXXX these accounts have incomplete payment history, the payment history is inacurate, balance is innacurrate, account status is innacurrate. The representative XXXX acted as if he was filling the dispute to remove the information but instead started to speak to me aggressively and attempting to harass me over the phone, he then hung up the phone once I requested a supervisor. I then called back and spoke to XXXX XXXX employee who told me he doesn't have to serve me and hung up the phone on me aswell. I feel hurt, distraught and disrespected by Experian and its employees and can't seem to understand why they are treating me so unfairly. This will not end here as I will ensure that all of you are held responsible for your agregious acts against consumer 's like me. Experian has violated my privacy and destroyed my confidence in the banking system, they have assumed a role in my life and I am notifying them that the assumption is not accepted or appreciated by me and I will put you back in your place, where you belong the XXXXXXXX XXXX
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You deleted 5 XXXX credit cards and added them back and deleted 1 XXXX XXXX XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see 1 XXXX XXXX XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see 6 XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXXXXXX XXXX  and XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Conn's, Inc. (TX)

XXXX. Conns Account Number XXXX I have sent Conns letters of dispute and I received no reply of proof to legally verify this account, which has exceeded the 45 days. Therefore, XXXX 's legally has to permanently remove this from my credit. XXXX and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (IL)

I have a mortgage account with PNC. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer did not send my reaffirmation papers. However, at the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by PNC. Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. PNC is not. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. I can't submit the request through PNC 's communication portal because I get a message that it's unavailable. They wouldn't accept my verbal request. I am simply asking that PNC report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.