davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
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 (NV)

I contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-05-02
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. (CA)

the following account ( XXXX XXXX ) does not belong to me only equifax is the one who is reporting this inaccuracy, this is not mine i have never applied to this account or car loan, i will be attaching the police report and the FTC report concerning this account, which i have provided to equifax many times, but they have not been helpful at all, please have this inaccuracy removed from my equifax credit agency thank you
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (PA)

I have Five Fruad Accounts on my credit report and Two inquiries. 
XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$760.00} XXXX. XXXX XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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. (SC)

I am submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to re-investigate the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I also took notes of the following : 1 ) one of the disputed accounts reporting as late is inaccurate. I was never late and I never missed a payment ; 2 ) I need the Credit Bureaus to send me copies of proof of ownership of the disputed accounts ; and 3 ) there are accounts reporting on XXXX that was already removed from XXXX and TransUnion. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. I need the disputed accounts verified and be immediately corrected and or deleted from my Credit File. Here is the list of the accounts that should be investigated : XXXX  XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (FL)

Discover has removed the ability for a lot of individuals to use the XXXX feature to send money. A lot of the people affected by this include those who were previous customers and had previous access to the XXXX  feature. The company claims this in for fraud reasons but I have had previous access before and I make payments from that account through XXXX.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX  during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. 

I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. 

I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. 

To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. 

Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX  on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. 

I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TN)

I received my credit file and saw ACCT # XXXX on my credit reports. I sent a letter an ask for VALIDATION and this debt was not VALIDATED it was VERIFIED. This is not what I asked for I would like this account to be DELETED off my credit file for all CREDIT BUREAUS it is reporting to.
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX is reporting an account with account number XXXX on my consumer report with a balance of {$280.00} and the account does not belong to me. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

On XX/XX/2023 I contacted my bank to dispute fraudulent ATM withdrawals as soon as I soon as I received info from my employer I had been paid to a card I didnt have on file.It went to my old address. When they got on the phone I asked can you please block my card. As I was on the phone with them my account was being drained. They claimed to lock my card as I was on the phone and it still got drained for {$900.00}. I relocated to XXXX in XX/XX/2023. I explained to the bank I did not receive nor set up the card. The transactions were On XX/XX/2023 amount {$300.00} XX/XX/2023 amount {$300.00} XX/XX/2023 {$300.00} And on XX/XX/2023 {$300.00}. On XX/XX/2023 I called the bank and they told me they closed account and that they were not going to give my money back. They should have pulled videos or something more.
Consumer complaint received 2021-03-09
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: ID Analytics, Inc. (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

Incorrect information is being reported on my credit report under BMW Financial Services. I have paid my account on time every XXXX XXXX  and somehow BMW has made a mistake and reported my account as late. I currently see a late payment reporting on XX/XX/2022 and the account comments is saying the account is currently past due XXXX XXXX I have never been late on paying this account, in fact I have paid this account for said XXXX in advance. For those months my statements have all said paid ahead of time XXXX XXXX XXXX. This has to be an error on BMW. I have tried calling customer service and they too have told me that my account is current and being paid on time. They said there is nothing they can due to remove the lates on their end but that I would need to dispute it. This is what i have tried doing and after getting no response I have come here to submit a complaint. This is very unfair as I am in the middle of very important projects and this has dropped my score over XXXX XXXX  for no reason at all. Please this needs to be fixed I have all statements and proof that payments were made on time for this account, please fix this. I have had an outstanding relationship with BMW in the past and hope this is fixed asap.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I had an identity theft in approximately XXXX of 2022. Citi Bank has closed an account of mine and still has funds. They refuse to send me back my funds. I have been told for at least 6 months that once the account is closed they will send me my money. I have a statement showing the account is closed and there is {$770.00} in the account. When I call they give me no information and then they hang up on me.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an email receipt for a purchase at Saks Fifth Avenue XXXX on XX/XX/2022 for {$120.00} which I did not make. A XXXX credit card was used ending in XXXX which is not mine, although was in my name and receipt came to my email address. 

I can not cancel or investigate card since I do not know what bank issued it or how it was applied for using my credentials. I have notified : Saks, Social Security, XXXX, and XXXX XXXX. ( XXXX has no alert for fraudulent application for credit ).
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My phone, debit card & credit card were stolen on XX/XX/21 leading to {$7500.00} in fraudulent charges and now Bank of America is denying a portion of my claim for {$4800.00} because my pin information was also accessed. I never gave it to anyone or wrote it down so I don't know exactly how the perpetrators did what they did, but the fact remains, it was fraud. I reported it the day of. Please help.
Consumer complaint received 2022-07-25
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

According to : 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 2023-03-25
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: EQUIFAX, INC. (VA)

Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Back in XXXX, I made a complaint of Barclay 's over charging me for something I did not charged, and the company removed that charged of {$54.00} dollars, and change, plus XXXX for late charges, plus interest. I paid {$30.00} there after in the middle of XXXX ; and Barclay 's again sent me another bill for {$29.00}, plus interest for {$31.00}. My Bank processed for payment to be paid to them for {$31.00} for XX/XX/XXXX. My bank had it on file, and as by now today XX/XX/XXXX should've received that check, but instead Barclay 's is sending me due date for XXXX XXXX XX/XX/XXXX for again {$31.00} amount. This is non stop over charging me again, and again every month, and adding late fee, plus interest fees.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.
Consumer complaint received 2022-10-15
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. (AK)

XXXX XXXX Account Derogatory remarks from all three credit bureaus Equifax last payment date : XX/XX/XXXX XXXX last payment date : XX/XX/XXXX XXXX last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but XXXX also has my account being charged off in three consecutive months.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX Account Derogatory remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX Transunion last payment date : XX/XX/XXXX XXXX last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but XXXX also has my account being charged off in three consecutive months.
Consumer complaint received 2022-12-14
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. (TX)

I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Ive submitted 2 certified letters early 2022 and again just recently in XXXX. Confirmed with Equifax that they received copies of my social security showing my name as XXXX XXXX and my license showing XXXX XXXX. I even faxed. Ive submitted more than 5 disputes advising that the name XXXX is incorrect and needs to be removed. Equifax had yet to correct the issue
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NC)

NAVY FEDERAL CREDIT UNION IS WELL AWARE OF THE FRAUD THAT IS REPORTING ON MY ACCOUNT. THEY HAVE RECIEVED POLICE REPORTS FTC REPORTS AND THEY HAVE DONE THEIR OWN INVESTIGATION. DURING THAT TIME THEY FOUND VIDEO EVIDENCE OF THE PERSON COMMITTING THE FRAUD. BUT YET AND STILL THEY CONTINUE TO REPORT THIS FRAUD TO XXXX, DAMAGING AND HARMING ME. MY CONSUMER RIGHTS ARE BEING VIOLATED IN MULTIPLE WAYS, AGGRAVATED IDENITY THEFT [ 18 USC 1028 A ] AND WILLFUL NON COMPLIANCE. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] THE LAW SAYS IDENTITY THEFT MUST BE BLOCKED WITHIN 4 DAYS [ 15 USC 1681 C-2 ] NAVY FEDERAL ACCT # XXXX .I will also be seeking XXXX per VIOLATION IF NOT DELETED ASAP 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1682g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civilliability for willful noncompliance [ 15 U.S.C.168in ]
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX