davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX XXXX Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is for capital one XXXX  card Basically on the website it says for approved clients they would receive XXXX $ after spending XXXX. There is a point made that clients who have had this card in last 48 month will not qualify for this. That's the only thing on the page. 

When I agreed to sign up for the card I assumed if I get approved then I would qualify for the bonus too. 

Company said that not everyone will qualify for the bonus regardless if the person qualifies for the card. No where in the page did it say that. 

Here is link to the page https : //www.capitalone.com/credit-cardsXXXX  I viewed it on mobile. I also took screen shots
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/XXXX two unauthorized transactions occurred using my debit card link to my bank account. The first transaction was for {$990.00}, and the second transaction was for {$250.00}. My debit card was also link to XXXX XXXX since I use them in the past to send money to friends and relatives. The money that was taken out of my account was transferred to XXXX XXXX, and a Bitcoin was purchased and then cashed out to an unknown recipient at XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX   via email ( that was the only means of commination ), and explained the situation, and they said they will reply to my email in 24 hrs. Also, on XX/XX/XXXX, I notified my bank ( Arvest ), and the woman I spoke to was friendly and apologetic. She informed that since the pending transactions were link to debit card instead of my bank account she couldn't stop payment, but she told me that once the transaction posted I could file a dispute ; get my money refunded back into my account. Once the transaction posted, I filed a dispute with Arvest bank, and they denied the dispute. They informed I need to go to the merchant since it was there system that was compromised. I called the Arvest bank ( the dispute department ) and spoke to XXXX XXXX a dispute Specialist and explained that I was still waiting for the merchant ( XXXX XXXX ) to reply, but I was told by one of their employees that once I filed a dispute I would get my money refunded back into my account. XXXX informed me to file a second dispute and file a police report since hacking ; or compromised system is the same as theft ; include that information in the second dispute and it will increase my chances of my second dispute being approved. I filed a second dispute and included the information such as police report, screen shots of the unauthorized transaction, and emails I received and delivered to XXXX XXXX security, and the second dispute was also denied. On XX/XX/XXXX XXXX XXXX finally concluded their investigation, and came to the conclusion that my XXXX XXXX was in fact compromised, and they recommend me filing a dispute with my bank ( Arvest ) which has already be done twice, and I emailed XXXX XXXX to let them know, and I haven't received an reply as of XX/XX/XXXX. I contacted XXXX XXXX to help me investigate this matter, and they recommend I file a complaint against the Arvest bank. Arvest back hasn't given a clear reason as to why they can not refund my stolen funds back to me. I just hope to get my stolen funds back ; prevent this from happening to someone else. This ordeal has been time consuming and frustrating, so help someone can give me answers, and bring be some closure.
Consumer complaint received 2023-03-20
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. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I was not advised of this debt, until recently. It showed up on all three credit bureaus. When I called Capio Partners, I was told it's a collection from 2013? I am unable to verify any information with my insurance, or claims benefits regarding this, due to being 6 years out.
Consumer complaint received 2018-12-27
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. (NV)

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

TransUnion XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2023-03-20
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC (HI)

Early XX/XX/2019. I responded to an opportunity to apply for a loan Rocket Loans,  which is a sister company of XXXX XXXX, my mortgage company. 
Turned out Rocket loans requires access into a persons bank accounts as part of the loan approval process, which was for {$8000.00}. I am a XXXX. They told me this practice is safe and is approved by the XXXX XXXX XXXX and to trust them while they are in my bank account. Against my better judgment, I got on my computer with them on the phone and helped them access my bank account. I was also asked to click on auto payments while I was in there. There was a hitch, however, I also send part of my salary to another bank, and the Rocket loan program could not do two banks, so instead, they set up the program to let me attach two weeks of pay stubs, which I did. Two days later, they said, they fixed the program so it can also access my other bank if I let them in.. I was then told it was due to anti-money laundering regulations or something.. I had enough. It all sounds fishy. 
This is a VERY intrusive process, and it made me feel like I was being XXXX. Even my bank had warned me not to do it but I really wanted the loan. I guess that is just one loan  company but every creditor will want to do this if they can unless someone steps up and protects us, consumers.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

wells fargo has been giving me a hard time and the run around about my mothers loan i inherited the property and wells fargo has made me successor of interest on the account. everytime i call prose i get a hard time I was told their was a open ligation on account. WELLS FARGO FILED THE FORECLOSURE CASE. I APPEARED IN COURT THEIR ATTORNEY TELLS ME TO TALK TO WELLS FARGO TO MANY GAMES. MY RIGHTS ARE BEING VIOLATED BY WELLS FARGO. I DONT HAVE A ATTORNEY IM THE SUCCESSOR OF INTEREST SEE ENCLOSED DOCUMENTS THEY ARE BEEN VERY BIAS I NEED A POINT OF CONTACT TO TALK AT WELLS FARGO UNTIL MY LOAN IS REINSTATED EVERYTIME I APPLY FOR A LOAN MODIFICATIONS I GET DENIED FOR DENIAL LETTER I COULDNT AFFORD SECOND TIME I CAN AFFORD THE MONTHLY PAYMENTS I WAS DENIED AGAIN. SEE ENCLOSED DOCUMENTS I WAS APPROVE FOR HARDEST HIT IF THE REINSTATEMENT AMOUNT WAS UNDER 35,000 WELLS FARGO PUT ON ILLINOIS HARDEST HIT PAPERWORK OVER 35,000 WHEN I WAS PROVIDED A PAYOFF AMOUNT OF XXXX THEY ARE NOT BEING FAIR AND IS VIOLATING MY RIGHTS EVERYTIME I APPLY FOR A PROGRAM THE FIX IT OR SAY IM NOT ELIGIBLE PAYOFF ENCLOSED AS OF YESTERDAY HOW DID IT JUMP FROM XXXX TO XXXX THAT TELL ME THAT THEY ARE OUT TO TAKE MY HOUSE I PROVIDED PROOF AND ANOTHER CONCERN I HAVE IS WHERE IS PROOF OF CLOSING CHECKS THAT PREVIOUS MORTGAGE WAS PAID OFF IT SHOULD BE A COPY OF CLOSING CHECKS OR WIRE TRANSER ON XX/XX/XXXX I NEVER RECEIVED ANYTHING SHOWING ME CHECKS WERE PAID XXXX XXXX XXXX IS CLOSED DOWN I STRONGLY WOULD APPRECIATE COPY OF CASHED CHECKS FROM THE REFINANCE AND CASH OUT IF XXXX XXXX RECEIVED A CHECK OR ANY BILLS WERE PAID IT SHOULD BE A COPY OF CHECKS THAT WERE PAID AND CASHED PLEASE STOP REFFERRING ME TO A TITLE COMPANY THAT IS NO LONGER IN BUSINESS I NEED PROOF OF PAYMENT ACTUAL CHECKS COPYS OF THEM BEING CASHEDYOU DIDNT THROW IT IN THE GARBAGE LOOK IN YOUR MICROFILMS I NEED HELP COMPANY IS NOT WORKING WITH ME THEY ARE TAKING ADVANTAGE OF ME. BASE ON CFPB RULE I CAN TAKE OVER THE MORTGAGE IM NOT GIVING THAT OPPORTUNITY IT IS A ASSUMBABLE MORTGAGE THIS COMPANY NEED TO BE MONITORED PLEASE READ MY ENCLOSED DOCUMENTS YOU WILL SEE THEY NEVER TRIED TO HELP ME EVEN WHEN I MAKE MORE MONEY IM STILLED DENIED EVEN WITH HARDEST HIT WELLS FARGO PUT THE REINSTATED AMOUNT MORE THAN WHAT I WAS GIVEN SO I WOULDNT QUALIFY AS OF YESTERDAY AND TODAY THE PROVIDED THEM WITH OVER 35,000 HOW IS THAT AS OF YESTERDAY XX/XX/XXXX IT WAS XXXX THIS COMPANY IS VERY CROOKED AND AGAIN UNFAIR. I NEVER BEEN GIVEN A CHANCE TO GET ON A REPAYMENT PLAN. IM VERY UNHAPPY AND PRAY FOR RELIEF I DONT DESERVE TO BE TREATED THIS WAY I CANT EVEN CALL ABOUT MY LOAN. LEGALLY OWN THE PROPERTY THEY CAN TALK TO ME THEIR LAWYERS TELL ME TO CALL THEM XXXX XXXX AND HER SUPPERVISOR NEVER CALLED ME OR WROTE ME I NEED HELP IM BEING DENIED THE RIGHT TO GET INFORMATION ON MY ACCOUNT AND IS BEING DENIED A PAYOFF QUOTE I ASKED FOR ONE TODAY I WAS TOLD I COULDNT GET ANYTHING ON MY LOAN SO WRONG. COMPANY HAS SHOWED ME THEY OUT TO MY HOUSE
Consumer complaint received 2023-03-20
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am XXXX XXXX. Post XXXX and XXXX XXXX XXXX  Veteran VA File No. XXXX looked at all three credit reports dated XX/XX/2019 from transunioun XXXX andd XXXX and Not only do i have negative information that has not been automaticaly removed after 7 yerars but also i have estimated at least 20 inquiries that has really lowered my fico credit score to below 524. I cant even use my va housing gi bill to buy a home with and i have the chapter XXXX post XXXX / XXXX benefits. I am living in a veterans dorm shelter in XXXX Nevada full of XXXX and XXXX. The Inquiries alone have been on my credit reports for years. All I am trying to do is get a starter unsecured credit card so i can rebuild my credit and have all negative and inqireis immediately removed so i can at least get a XXXX to XXXX fico score that is needed by the veterans admininstration to buy a home as a XXXX   veteran. Here is the inquiries list. And also some of these was done without my immediate knowledge. 

Here we go 1. Auto finance inquiries within 24 mos 7 2 Auto finance inquiries within last 7 years 8 3. cash advace inquiries within last 24 mos 7 4. Cash advance inquiries within last 7 years 16 5 All alternative credit inquiries within last 24 moa 14 6 All alternative inquiries within last 7 years 24 7 paid payday loans within charge offs within 24 mos 2 8 All paid charge offs within last 24 mos and 7 years 5 9 All open charge offs within last 24 mos 2 10 ALL Open charge offs within last 7 ywars 6 I am requesting if your organization can investigate and fix all problems. Tired of living the way i am living as a XXXX vet with no new car no home to buy on my gi bill and no starter unsecured credit card to start with. For all I did for this country I am living like this. Appreciate your assistence. My mailing address is : Mr. XXXX XXXX XXXX XXXX   XXXX XXXX Nevada zip XXXX. Tel no. XXXX Also i am having problems getting a credit report from XXXX and transunioun. once they clean all of this mess up can you have all three credit breaus mail me an updated clean credit report. Thanks again for all of your assistence
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to cash a check written from XXXX XXXX on their account at Bank of america Bank of america refuses to cash this check stating its over their check cashing limit since i do not have an account with them or any other bank i dont think this is a fair policy for a bank not to honor their checks even with proper identifacation
Consumer complaint received 2019-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On XX/XX/19, I opened a new credit card account with XXXX XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted Experian on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and Experian had no remedy for me. I also contacted XXXX XXXX   XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.
Consumer complaint received 2023-03-20
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I purchased a Business Education and Training Program called " XXXX XXXX XXXX XXXX '' called XXXX. I purchased Training Packages and the permission to sell the packages.. I paid {$60000.00} for the program and charged {$11000.00} on a Chase Credit Card as XXXX XXXX  XXXX. 
On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites are shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified Chase Dispute Department of the situation. They mailed me a form to fill out and i completed it and mailed it in. 
Since then I have been going back and forth with Chase to send more information and I have submitted information each time. As of XXXX XXXX they sent me a document which I am attaching stating there was no billing dispute. The issue is about " Services not fulfilled. I did  receive about 14 % of the coaching services and reduced the dispute to {$10000.00}.
Consumer complaint received 2023-08-23
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

When I try to transfer my Membership Rewards points to XXXX, I find out American Express freezes my account. They say : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' When I reach Amex customer service, a representative told me my account is being reviewed by their corporate office, they can do nothing about it. My points are my asset, which are equivalent to cash. I don't think American Express has any rights to hold my asset at any time. I have a travel plan soon, so I need to transfer my points ASAP to redeem a flight ticket.