davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Consumer complaint received 2021-04-12
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: WAKEFIELD & ASSOCIATES, INC. (TN)

In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

im am writing in regards to equifax reporting inaccurate information on my credit report. i have no acknowledge of the chase account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA
Consumer complaint received 2019-03-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (FL)

Again this Real Time Resolution has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX
Consumer complaint received 2018-12-19
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: GOLDEN 1 CREDIT UNION, THE (CA)

My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given,  you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. 

After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. 

The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. 

At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. 

I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which  were successful. Additional attempt was halted only after my child discovered the fraud and took action.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX Santander bank allowed a money transfer of XXXX dollars to be wired out of my account without notifying me of the demand from another person and anther bank. The request happens to be a scam from who ever made the request.. I suspect several individuals being involved as the amount wired out of the account equals a wired transferred into the account on XX/XX/XXXX. My account at that time was XXXX. 

I have been involved with Santander Bank in recovering the funds. We have but a block on the old account. We have removed most of the funds in the old account into a new account. The old account has been blocked but kept open so when the funds are recovered the paper trail can be followed in order to put the funds into the new saving account. 

I do not understand why the bank thinks it can remove funds out of a private client 's account without notifying him/ her and to get the client 's approval. This would stop scammers from using this security breach from stealing funds from unsuspecting individuals
Consumer complaint received 2021-06-04
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: AMERICAN EXPRESS COMPANY (NY)

I reported several times about Identity theft to AMEX, even through CFPB. 
Few month ago I was assured that AMEX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (TX)

I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). 

I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. 

I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. 

On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. 

No one ever called and I still have not gotten the credit.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I pulled my 3 credit reports and I sent 3 letters to XXXX, XXXX and Transunion on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score.

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit.

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.
Consumer complaint received 2019-03-28
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX  are reporting incorrectly that I am 60 days  past due on the NEIGHBORS - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (KY)

Do you know anything about security charges that occur on Synchrony credit cards? Initially when we bought approximately {$3700.00} work of musical gear with a 48 month zero percent credit card offer through XXXX. I spoke at length with Synchrony and set up autopay with the right monthly amount so we could just forget about the card and let it pay itself without interest. When I went in earlier this week to get info for tax purposes I realized weve been getting charged between $ 42-46 a month for security and then {$2.00} a month interest on top of that as it was just increasing our amount owed and those 'security charges ' did not count as 0 %. We never were informed or asked about this and its racked up almost {$700.00} worth of extra charges on our account! This is unethical and criminal. If I hadnt have noticed, it wouldve keep racking up into the thousands and we would never have been able to pay off this card. 

All of the monthly charges on the bill had an XXXX number next to them. I tried calling Synchrony first and they said they could do nothing about it. They knew what I was talking about but said that Its a 'separate company ' and separate phone number from the regular credit card service. When I finally got a hold of any alternate number for security they tried to tell me that I had 'opted in ' and accepted the option to be charged that 40+ dollar monthly fee when I signed up for the card. When I rather aggressively informed them that in no way had I opted in for anything of the sort, they told me that I would get a {$670.00} credit on my account within 48 hours. I XXXX it and it seems Synchrony has done this quite a few people with other store cards ; charging people this {$40.00} a month fee without their knowledge. Its amazingly unethical! The fact we were being charged interest on top of that because of it is even worse. There's no way I agreed to this as I am extremely thorough when I sign up for credit card applications. Someone is making a huge amount of money off of this and Synchrony knows about it.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I wanted to get a full refund on a payment I made in XX/XX/2018 for a service that was supposed to be delivered in XX/XX/2018. The service - air flight by XXXX  XXXX - was totally inadequate and not consistent with what I paid for. It also caused me loose money from my salaries as the changes that XXXX XXXX made just 10 hours in advance of my flight ( booked 4 months ago ) caused me to take an urgent dayoff from work. ( If I was informed about the changes earlier I would probably be able to schedule a different itinerary to avoid loosing money, but because of XXXX XXXX 's way of doing business I was not able to do so. ) I tried to request a full refund though Capital One 's dispute system ( as I used my Capital One 's credit card to book the service 4 months earlier. ) The system gave me a weird message ( see the attachment. ) I attempted to call Capital One 's customer service and they did not provide me with the way to file a dispute. I find that way of delivering customer service by Capital One unacceptable and thus I file this complaint. Here are more detail on the cause when I paid by my Capital One credit card but suffered a lot of loss &. With the Capital One 's credit card I paid for a certain type of an air tickets - with a pre-selected seats - in 4 months advance time ( XX/XX/2018. ) I selected my seats before paying. When 4 months later ( XX/XX/2018 ) I got ready for my flight and attempted to online check-in to my flight, about 10 hours in advance. XXXX  XXXX refused to check me in. Instead they informed me that my flight ( for the upcoming day ) changed. The changes XXXX  XXXX made for me included a 3 hour earlier flight than I had booked. XXXX Personally I had no choice to totally cancel the trip just a few hours before the start. ) That made me to urgently request a whole dayoff from my work for the next day ( I planned to work and take a flight after work. ) Thus XXXX   XXXX 's short term notice changes made me loose money ( in my salaries. ) Moreover, I was not able to pick up the desired and paid for seats ( as I did 4 months in advance ) because at a few hours in advance almost all seats there taken and I had no choice. I had to sit in between 2 other passengers in all 4 flights of my itinerary ... I found the way XXXX  XXXX delivers its service is unacceptable and invasive. As well as the Capital One 's customer service did not deliver to me what's promised.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me.

( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the  current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. 
-- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
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. (NV)

I have sent several notices via certified mail to TransUnion regarding these bankruptcies on my report. I sent the same information to the other 2 credit bureaus and it was removed immediately. Transunion keeps responding back as verified as accurate. I sent a letter to the bankruptcy court asking Do they verify any information on a bankruptcy to credit bureaus or any third parties Their answer in simple was No so if you do not get it verified from the source, How are you verifying these as mine or 100 % accurate. 
According to U.S.C 1681 Section 604 ( A ) ( 2 ) it states : A consumer reporting agency can not furnish a account without my written instructions. 
According to U.S.C 1681 Section 604 It also states I have a right to privacy.
Consumer complaint received 2022-03-08
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. (NJ)

I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : XXXX  Late Close : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXXXXXX Balance : XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act CAPITAL ONE accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1601 " The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ''
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I received a letter from Capital One informing me that I was pre-approved for credit card. I inputted the invitation code and personal information during the online application process as directed. At the end of the online process I was asked to scan or fax personal identifying information including my most recent payroll stub and a copy of my driver 's license. I faxed requested items and confirmed that Capital One received both documents. Yesterday I received a letter from Capital One informing me that they can not approve my request at this time. The following reason was cited : " Based on your application information, application submitted is incomplete or can not be verified. '' The documents I provided are correct and current. Capital One does not provide a contact number to speak with anyone on their end. Additionally, I have active credit card, banking and investment accounts with the company. I don't understand how the company can state they can not verify my information.