davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX XXXX XXXX my checking account was used without my knowledge to make unauthorized fraudulent charges. These were in various similar amounts all around XXXX XXXX each. I called immediately and filed a claim. I was out of town and my phone was missing/not in my possession during this time and I believe that's how the fraudulent charges were made. This was described by me to CapitalOne. The representative failed to note one of the charges in the claim even though I mentioned them all. I had to call back later once I discovered this to correct their error. I provided all documentation requested. Months later I get a decision saying that about half the charges were approved, and half were denied. This made no sense to me as they were all similar amounts from the same vendor during the same time period. These should all be approved or denied equally! If one is fraudulent, they all are! 

Seeing as this made no sense, I requested documentation used to make their decision. They provided me documentation that said since 1 charge wasn't claimed fraudulent, that some of the charges were considered legit ( the 1 charge that the capital one representative failed to note which I had to call back and correct!!! ) This was an error on capitalone! I still have not received my money for these fraudulent charges. I was assured multiple times by multiple agents that I would get this money back. I have provided all documentation requested. THEY MADE AN ERROR, AND I WAS PUNISHED FOR IT!
Consumer complaint received 2022-07-25
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. (PA)

I have reviewed my credit file Experian is reporting late payments on my account for XXXX  account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however Experian and XXXX are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with Experian and XXXX. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


Experian is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NH)

I called Macy 's credit card Is XXXX XXXX however, my letter is from Citi Bank and explained the charge they are trying to collect is fraudulent as I was not in FL this past XXXX as I live in the Northeast. They transferred me to the fraud department and I was told they would investigate this and they sent me a new card - which I have in my possession. They have not told their collections department this as I continuously receive calls requesting I pay this amount. Also, there is no option to speak to anyone to reexplain the situation so the calls continue including several late at night i.e. XXXX. My credit score has dropped recently and my concern is this will not be corrected and my credit score will be impacted.
Consumer complaint received 2021-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

I applied for a loan modification in XX/XX/XXXX, knowing that my loan would mature in XX/XX/XXXX. Never received the modification even with the assistance of a HUD Certified Counselor. In XX/XX/XXXX US Bank placed a Les Pending on my Deed which has not gotten to the Foreclosure Procedure. In keepin in contact with US Bank 's Attorney I found out they can not go forward as this time. In trying to prevent being foreclosed on I spoke with other Lenders that are willing to go forward with the refinancing my loan, but due to the Les Pending on the Deed, they will not do it. I contacted US Bank to ask for a refinance. I provided all necessary information and was sent a closing package via XXXX XX/XX/XXXX. Now after making numerious call to the Loan Officer I was told they can not refy me due the Les Pending on the Deed. As a consumer I really need help in getting my Loan refyed.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Both XXXX and TransUnion continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, TransUnion, and XXXX with my dispute. XXXX was contacted in XX/XX/XXXX and XX/XX/XXXX. TransUnion was contacted in XX/XX/XXXX and XX/XX/XXXX. XXXX and TransUnion state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from XXXX, TransUnion, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX and TransUnion credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX was discharged.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you
Consumer complaint received 2021-07-21
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)

I've previously disputed inaccurate accounts with Equifax via USPS Certified Mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency still reports the same inaccurate information for the following revolving accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  ( Both XXXX  XXXX Accounts )
Consumer complaint received 2021-07-21
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. (UT)

Experian as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted Experian to resolve this matter. They said they have verified the debt without fully investigating it.
Consumer complaint received 2019-07-17
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. (VA)

Both XXXX and Experian are reporting non-existent " XXXX   XXXX XXXX '' on my reports which are totally fabricated and are negatively impacting my credit score. XXXX has been reporting this made up account ( which is a duplicate of my mortgage account as it has the same name and account number ) since 2017 and I have disputed it 8 times by sending certified letters requesting it be removed. Each time, they respond by stating they " Verified the accuracy of this account '', which is impossible. 

Experian picked this false account up from XXXX  late last year. They do not even list an account name or account number, so are reporting a generic account which does not exist. They, too, have refused to remove this after sending multiple dispute letters via certified mail. They are damaging my credit with an account they can not provide a single detail of. 

Both XXXX and Experian are seriously violating my rights to accurate information in my credit reports per the FCRA. They are also in violation for lying to me about verifying these accounts. They are destroying my reputation, costing me time & money and denying my rights. Nothing I do will stop them. I NEED HELP!
Consumer complaint received 2022-10-14
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. (OH)

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXXXXXX 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 2022-12-01
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. (CA)

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor... I submitted a letter to the Tranunion Credit Bureau XX/XX/XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

On XX/XX/2022 I transferred XXXX XXXX ( {$320.00} USD ) and XXXX XXXX ( {$44.00} USD ) from XXXX  to Binance. When I scheduled the transfer from XXXX, the XXXX XXXX automatically populated. At the time of the transfer, I did not know that the network transferring it had any significance, I just knew I had to make sure I had the correct wallet address, and that XXXX could only be successfully transferred to a USDT wallet, etc. I made the transfer, but the coins never arrived. I contacted XXXX support a little while later and informed them I had not received the transfer. I also contacted Binance on XX/XX/XXXX. I did not receive a reply from either of them, so I contacted them again on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the Binance team said that in order to investigate this, he needed the transaction IDs. I copied what I thought were the transaction IDs from the confirmation emails and sent them to Binance. XXXX, from Binance replied and said that they were not valid IDs that it looked like an internal ID that XXXX used. On XX/XX/XXXX XXXX from XXXX got back to me and said before they could help me, I needed to log into the app and contact support that way. I finally received a response from XXXX and was able to get the correct transaction IDs, which I then sent to Binance. I communicated back and forth with XXXX asking them if they could recover the funds for me since they were in their network, XXXX and they said they could not, that they had already left the platform and were in Binance 's possession. They said I should ask Binance to reach the coins with the hashtags and recover them or send them back. The last support person I communicated with on XX/XX/XXXX at XXXX was XXXX and he explained that at XXXX if funds are deposited on the wrong network, their team can sometimes recover them for their client or send them back to the originator and that I should ask Binance to do this for me. I communicated back and forth with Binance asking them to retrieve my deposit or send it back to XXXX their response was that they do not support the network and therefore they could not retrieve my funds and that they keep track of these issues so if they support the network in the future, they would contact me. The last correspondence I had with Binance was with XXXX on XX/XX/XXXX. The support ticket number for this communication with Binance is XXXX. 

Exchanges should not be allowed to keep customer funds, profiting off of XXXX XXXX XXXX. Like XXXX said, they are in Binance 's XXXX, so only Binance has access to them. There should be controls in the system to either not allow transfers to be made between exchanges if the exchange receiving the funds doesn't support the network, or if the transfer is made to an unsupported network it gets rejected and sent back. Exchanges should not be allowed to not support a network and keep customer funds.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

I received a call for a family member regarding a debt owed. After explaining to the representative several times that she had the wrong line. She was very unprofessional and insisted that I leave a message for my family member or provide her with an alternative number to contact them directly. I eventually ended the call after asking her repeatedly not to call me.
Consumer complaint received 2022-12-01
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. (MS)

There are 2 items on my credit report that do not belong to me. One is from XXXX XXXX, the other is from XXXX XXXX. The consumer reporting agencies and secondary data furnishers have violated my rights and continued to report these false accounts despite the fact that I notified them in XX/XX/2022. I also have provided them an identity theft report. According to The Fair Credit Reporting Act Section 605 B, any consumer reporting agency must permanently remove and block any item from a consumers file that the consumer informs them is a result of identity theft. Also, my rights are being violated for the simple fact that the accounts are furnished on my report without my written permission. This is a violation of 15 US Code 1681 Section 604 a Section 2. XXXX XXXX  is committing tax fraud by reporting this false account. The IRS considers charged off accounts to be income.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : $ XXXXIm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C XXXX the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required