davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : 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  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.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

I opened an account with Kraken on XX/XX/XXXX and purchased an undisclosed amount in bitcoin. A day later I had trouble with my Kraken account and I was instructed by Kraken support that " for security reasons your account has been closed. Contact the bank for a Charge Back ''. 
I did what I was instructed and contacted my bank for a " Charge Back '' in the undisclosed amount. I contacted XXXX XXXX XX/XX/XXXX and was told that a charge back was initiated on XXXX. Yet after a week checking in, I found out that no action has taken place. After a few days my bank changed it to a " Fraud Case ''. Since it is an XXXX  transaction ( not protected for service ) I have to work with Kraken. 
The only way to interact with " escalated '' support is via email. I've sent numerous emails that are unanswered. Responses are very " cold '' and unprofessional. I would rate a 0. I will be following up with legal action.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A few years back, I crashed my motorcycle while trying to do a stunt, the wreck was on my block, with witnesses. I hit the street surface, face first, shattering most of all of my teeth, all that was left was sharp jagged pieces, that would cut up the inside of my mouth so bad, with just the slightest bit of movement. I didnt have the fiat/currency to have the work needed to fix them, so I used different social media sights to get donations for the XXXX, Dr. bill was XXXX total, XXXX to start. After a couple weeks of total XXXX, and hours of praying, crying myself to sleep most nights, I went to the Gas Station by my house to check my account, and it was frozen and had a little over XXXX dollars in it, confused I called BofA and asked why, they said it was standard procedure, to flag an account when a sum of XXXX or more is deposited, Im not sure if they meant at once or period, when it adds up to it. They gave me a # to the F.B.I fraud department, I spoke to a lady, told her my side, and she said I would be getting a travelers check. Instead they kept the $ and closed account, and I havent been able to open or even get a prepaid card, tried to ask why, Manager just said call the same # F.B.I. I was blessed and was able to get half the work I needed. Still need the other half of payment to finish work. From all of the cuts, I ended up with XXXX XXXX XXXX XXXX XXXX for along time, thus being the reason for such time, what they did just isnt right, fraudulent even, with total disregard to someone elses well being.
Consumer complaint received 2022-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The following account is listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Account number is XXXX when i applied for this credit card i never received a clear and conspicuous in writing or in electronic form i need XXXX to delete this account immediately
Consumer complaint received 2021-11-11
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 (TN)

After reviewing my account I've made a payment in the amount of {$240.00} on XX/XX/2021. I'm aware that the transactions afterwards is fraudulent from Card # : XXXX. These transactions were unauthorized and someone has obtained my card information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any such credit card purchases appearing on my account. Around the time this fraudulent activity occured I was incarcerated ( imprisonment ) So I am not liable. I'm disputing all charges that occured after XX/XX/2021 and requesting a charge back of my funds sent back to my credit card immediately.
Consumer complaint received 2021-10-19
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: PENTAGON FEDERAL CREDIT UNION (GA)

My credit report shows an inquiry because you guys put it on my credit report without my consent. I need these item removed. I have already made a police report that follows this. I did not approve, sign or authorize this.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, XXXX, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of 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.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX Account Number XXXX I just received my credit report, I noticed you are reporting this account incorrectly. This late payment reporting not Only as PAID OR PAYING AS AGREED, but it also shows on my XXXX ACCOUNT, that the following it states that XXXX and XXXX we're paid on time But however when I took a look on my XXXX ACCOUNT it shows that XXXX, XXXX, XXXX, XXXX were paid on time now if you look at my XXXX ACCOUNT its show that I was late XXXX AND XXXX now that's false. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately from my credit report .Please provide me a copy of my new credit report reflecting this account removed upon completing
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I recently realized that my XXXX XXXX XXXX XXXX loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened both a checking and savings account with Citizens Bank, XXXX Ohio XXXX on XX/XX/XXXX ... ... this year. This was the last day to take advantage of a promotional offer for a cash bonus. It was {$200.00} for the checking and {$300.00} for the savings, and a additional {$100.00} if all requirements met, after 3 months. {$600.00} total.The checking required {$500.00} Direct Deposit within 30 days and every month for 3 months. I had that in, within 1 month and every month thereafter. The savings was to deposit {$15000.00} and maintain that for 3 months, which I did as well. Also they wanted at least 1 random miscellaneous checking checking account deposit of any amount every month for 3 months as well. That was done by me as well. I had received a mail flyer about promotion months earlier, to my home address, however it was misdelivered ( not my name and address ) and then managed to misplace and lose it. I was interested in it so I stopped by the branch and inquired about my being able to participate with out invitation. The Relationship manager told me a code is needed to start application process. She said she could pull up unused codes locally and did so using one from my own street. The caveat was, ... .she said sometimes they are honored and sometimes not? The promotional period went by, I called in late XXXX. Officer said to do so if had not received by then. I was routed to call center offshore and and was told everything was in order by XXXX and it would be deposited by XX/XX/XXXX. That didn't happen, so in first week of XXXX I called again, and next guy at call center was giving me the run around and needed to connect me to some sort of account specialist. This gal from the states eventually told me she need to investigate further ... and would get back to me. She got back to me a few days later and said I would not be able to get promo reward because code was invalid ( It didn't ) match my address. My point is ... ... these codes are really a random aggregate of letters and numbers ... ... really for what? more importantly, I met all the stipulations and requirements put forth, and this Relationship manager told me others had gotten the reward after having applied this way! I feel VERY strongly that I deserve this money ... .and would like to have it. Needless to say, I have closed these accounts.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 (MA)

I use XXXX credit monitoring service. I received an alert that Capitol One had made a " hard inquiry '' on my credit report. This is not something I did so I called Capital One. Capitol One refusing to provide any information about why did this. Did someone open a credit card in my name or fraudulently apply for a loan? I would like to know and they will not give me any information because I " don't have an account. '' It's absurd. They are facilitating identity theft and fraud. 

Per my report : Lender : CAPITAL ONE Inquiry date : XX/XX/year> I have no understanding as to why they won't give me information about why this inquiry was made.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to urgently demand the prompt removal of all fraudulent personal information, accounts, and transactions that have been wrongfully associated with my identity without my knowledge or consent. I have recently become a victim of identity theft, which I have reported to the proper authorities. The presence of this inaccurate data on my credit reports is causing me severe financial hardship and reputational damage. 

As a well-informed consumer aware of my protected rights under the Fair Credit Reporting Act, I insist that you expeditiously remove and block any fraudulent, inaccurate or misleading items that have been illegally included on my credit reports. The unauthorized use of my personal information to open accounts or conduct transactions to which I did not provide explicit consent is unlawful. 

I formally request that your organization conduct a thorough investigation and permanently delete any fraudulent listings from my credit file within XXXX ( XXXX ) business days of receiving this certified notice. I have enclosed supporting documentation, including an identity theft affidavit and police report, to aid your verification process.
Consumer complaint received 2021-02-13
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: Sequoia Financial Services (CA)

For over 2 years Sequoia Financial Services has been reporting several negative medical collection accounts under my name. I really believe it's someone with the same name because they can not successfully verify these counts belong to me. Please help me. 
Over the last 24 months, I have requested proper investigation and correction of these inaccurate reportings MULTIPLE times to absolutely no avail. We are now looking to purchase a home in the current market and it is IMPERATIVE that this is corrected immediately. Please help me. Since Sequoia refuses. Now they just don't even bother to reply to my requests.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services (MD)

XXXX claims that they paid for two services ( XX/XX/XXXX, {$230.00} & XX/XX/XXXX, {$91.00} ) in excess of the maximum allowed by my plan and they are attempting to get these amounts back from me. 

I have spoken to XXXX representative on several instances ( in excess of 10 calls ) explaining why I shouldnt have to pay these amounts. On each instance, I have been repeatedly assured that yes, I dont need to pay the amount and that this issue has been resolved. I was also provided with a confirmation number of the issue being resolved ( XXXX common purpose ). But for some reason, XXXX through Payment Resolution Services ( PRS ) has been trying to collect on these amounts. I have also been on the phone with PRS on more than 3 occasions explaining the situation. I was initially informed that they have reached out to XXXX about the collection and that I dont have to worry about the collection notice. During my last call they said, XXXX has not responded and that i needed to call XXXX and ask for something in writing on their letter head. The XXXX customer representatives on the phone, however, do not have the authority to provide this in writing and they cant seem to get me to someone with the authority. 

At this point, I am having to deal with these collection notices every two months and having to take time out to sit through lengthy phone calls explaining the same story over and over again but no one seems to be able to help. While the amounts themselves are not high, after all the time I have spent trying to resolve this issue, i think it is unfair to have to finally succumb and pay this amount that I do not owe. XXXX and PRS have their own systems that are not communicating with each other and I am caught in between. This is highly frustrating.
Consumer complaint received 2022-03-30
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. (CT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2021-10-22
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. (TX)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-07-23
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. (MI)

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXX {$43.00}
Consumer complaint received 2022-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DE)

Hello- my student loan was paid in full on XX/XX/2022. However, the payoff left a residual {$19.00} balance. I called and asked to have the balance waived, and was met with a ton of resistance, over a balance less than {$20.00}.
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (CT)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.