davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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)

A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In early XXXX I reviewed my credit report and found that I had a XXXX day late payment from Capital One in XX/XX/XXXX. I had not received any communication about this late payment, which was odd because Capital One starts calling the second a payment is a XXXX days late, and they call non stop. I tried to dispute this previously and was told the information is accurate. I started to do my research online and many suggested I write Capital One an email asking for removal. I did this on XX/XX/XXXX. I received a call from someone stating they had received my request but were required to report accurate information to the credit bureaus on XX/XX/XXXX. She informed me there was nothing she could do, nobody I could escalate the issue to and that there was no additional steps I could take. I emailed the office of the XXXX again on XX/XX/XXXX after receiving the call but have been ignored by the company. 

I take issue with this because I was never notified of my past due payment. However, the bigger issue here is that Capital One is granting others favorable outcomes, and not treating everyone the same, which could be considered discrimination. The FCRA does require companies to report accurate information to the credit bureaus. It also requires that a company not discriminate. However, I have pages and pages of people have luck with Capital One removing late payments from their credit report as goodwill. This would be in direct violation of reporting accurate information to the credit bureaus and it could be considered discrimination. 

As of today, Capital One has not reached out, has ignored my most recent email and does not show any interest in making the situation right.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OR)

My husband and I opened a joint checking account at US Bank. The person assisting us also handled a home refinancing, mortgage, and assisted us in consolidating debt. Her name is XXXX XXXX and her service was impeccable. I also have a checking account of my own that I began at this bank, separately, prior to opening the joint checking, as advised by my XXXX attorney, to recieve funds every month from SSA. I really enjoyed the service and knowledgeability of Ms. XXXX, and since my husband and I were a bit disgruntled with our current bank, we chose to give US Bank a try. A few months in, I discovered that I had NO access online to ANY billpay actions that had been set up by my husband. We have significant medical bills to pay related to my XXXX, and on basically one ( based in reality ; SSA pays just over $ XXXX ) income, we really have to juggle things to make sure we dont get behind on our financial obligations. a lot of " robbing Peter to pay Paul '' ' I then went back to XXXX XXXX and explained the situation. Prior to seeing her, I had made inquiries with the online customer service people who first informed me that that is the way things were. The pamphlet I got when next I went to the bank regarding the ins and outs of joint checking, did NOT state in any fashion that under certain circumstances, I could not have online access to my own financial information Therefore, still confused, I went back to XXXX XXXX and explained my plight, She was sure there was some kind of misunderstanding with online support, so she made the call from her desk. She acted stunned after she was told the same thing. She relayed the policy that doesn't allow a joint checking account member to access their own information unless the joint holder that set up the billpay either must give you their login information ( a clear violation ) to access this info, or go through a process to submit forms that, inevitably, still would not allow me online access to manage our own finances. My husband did not want to give me his login info, and was very upset to have to do additional paperwork to grant " shared access '' which, we later found did NOTHING to change this piece of misrepresentation and, frankly, fraudulent practices. I have spent hours on the line with online customer reps, some of whom have to get a banking specialist to  give same result.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

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. 

bankruptcy XXXX XXXX  - discharged : # 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 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 seven 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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (PA)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX XXXX I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

In my attempts to open a checking account last month, i got turned down by 3 different banks for the same reason. Neither of them can give me a reason or explain what was going on. The only thing they did give me was the name of the bank and so i called the bank to resolve the issue or find out i called twice and went to the bank 3 time trying to resolve this issue. FIinally in my last attempt the banker informed me of an account with fraudulent activity was closed out in a negative balance with my information. i informed them i dont recall inquiring in opening an account & i had gotten my document and other items stolen from me that year. This happened twice.The banker got on the line with there collections department trying to get this report out of the way so that i can open a checking account with a bank and work on building my credit and getting my debt in line. I left after a few hours the banker informed me that she will get in contact with me with an update on this. The fraudulent activity on this account was not doing and i have several other reports im disputing for identity theft/ fraud. ive informed everyone i spoke to that this account ended up getting accessed by an unauthorized user, to dispute, and that i will make payment for the amount owed while it undergoes the dispute proccess, but nothing has seemed to get resolved. i need this account removed from my report
Consumer complaint received 2019-09-04
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. (AL)

I applied for an apartment rental and was denied because of information appearing on experian. I am being denied a place to live the dates are. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX .i believe my information may have been breached. There is no judgement posted on this account.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One 360 savings offered bonus for fund remaining in the account for 90 days. I transferred {$100000.00} on XX/XX/XXXX ( within the period of this special offer ) and the 90-day was up on XX/XX/XXXX. As of today XX/XX/XXXX, my money is still in the savings account but the {$1000.00} bonus is nowhere to be found. I called the customer service and the rep went round and round trying to find a loop hole on the offer but he couldn't find any. He agreed that the bonus of {$1000.00} should be in my account now. He put me on hold for about 15 minutes then a XXXX  XXXX XXXX no last name given, her ID is XXXX ) came on the phone and asked me all the info again, apparently the 1st rep didn't give her any info just asked for a supervisor. After another 10 minutes or so scrutinizing all the details, she announced that the bonus would come on XX/XX/XXXX. I asked her why and she just informed me that that was how the system worked. I asked to see the documentation that stated the bonus would be shown in my account but she refused to send me an email or any written material to certify what she said. Apparently she can see it ( or possibly just blow me off? ). I am frustrated.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (GA)

Equifax is still reporting a medical collections under 500. 
XXXXXXXX XXXX  for XXXX I thought they were suppose to stop reporting these. 

I sent letters to them, but they never responded
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Consumer complaint received 2019-09-04
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. (NJ)

May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.
Consumer complaint received 2023-02-23
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. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$2400.00}
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DRB-40, LLC (GA)

Diversified recovery Called my ex husbands wife  and left a message for my ex husband to call back. When he did they told him there was an issue with my social Security card and number. When a call back was made requesting they not call them the representative ( which was a woman who didnt give her name ) began asking questions about if he was the father of my child and asking question about our child ( who happens to be a minor ) It is illegal to call random people you think I may know lying and asking for my Social Security number
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (KY)

We got a XXXX XXXX and we'll XXXX XXXX said it has warranty a week after having this vehicle it broke down I contacted the dealer they said bring it in we will see what we can do mind u a week after getting it! But anyways I took it they said you don't have warranty on this I said yes I do but mind u I was furious so he said u just bought this so I'll pay for it so they did well bring it home after them fixing it it breaks down again they kept putting it off and off so my vehicle sat there mond u it got up for repossession be cause I lost my job for no vehicle I put XXXX XXXX down on this vehicle and u all were wanting XXXX a month for a broken down vehicle but further more a wrong should of fixed it and made it right the car lot said I had to contact the loan place and blah blah! You all did repo it but now are saying we owe a lot after it being auctioned .... Just letting u all know my lawyer will be in touch I had to get info from the car lot and I'm going after. Both!!!! I just lost a XXXX  he had XXXX and I have XXXX kids of my own as well I was bonerable and the sales person knew it so I gave them XXXX down and then it blew up in my face u can't do people that way and yeah it got reposesed but neither party would make it right so I lost the XXXX
Consumer complaint received 2019-09-03
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. (NJ)

May you please assist me. I have accounts that Im unaware of vouch, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day 5 children to feed. please remove this so I can buy our home. Please God Please.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF ED/XXXX  XXXX Balance : -
Consumer complaint received 2023-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc. (MD)

On XX/XX/2023 I called XXXX XXXX XXXX XXXX to settle on the debt they brought from Avant Credit Card Company. I asked agent XXXX about the XXXX XXXX settlement offer that Avant sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was XXXX XXXX off in XXXX payment or XXXX XXXX off on XXXX payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (DE)

I applied a credit card for emergency XXXX XXXX in the beginning of XXXX. I had the XXXX and received a bill with 2 weeks and paid it. 
I did not receive a bill since then I called the company about 2 weeks ago and asked for my bill. They said thet they would send it but it never arrived. Despite the fact that they told me that I would not have to pay interest if I pad it with in a year. My interest for the missing bill was {$26.00}. Now I have no bill and am completely unable to reach them on the phone. They are lending money at unusually high interest rates under the guise of helping people get medical and dental treatment. I have been working on rebuilding my credit and this is just destroying it. 

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (UT)

I opened a Key Express Checking account with Key Bank on XX/XX/18 with the promotion code XXXX. The offer said that I needed to make a {$500.00} Direct Deposit within 60 days of opening and I would receive a {$300.00} bonus. I met that requirement and Key Bank agrees. But Key Bank is now saying that I needed to make 5 debit card payments from the account within the first 60 days, which I didn't do, but this was not listed on the terms of the offer. 

I'm attaching my confirmation email that says I opened the account with the code XXXX, as well as the offer that I had printed off from Key Bank that shows the only requirement was to have a {$500.00} direct deposit and says nothing about 5 debit card payments.