davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit 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: BARCLAYS BANK DELAWARE (CT)

I opened a dispute over 5 transactions from XXXX, XXXX. The five transactions were for {$91.00} each through XXXX. 

I tried making one, singular, purchase from a website that clearly is fraudulent as I never received the item. I authorized to make this one purchase through XXXX, but as I said I never received the item. 

The website I purchased from ( XXXX ) used my information to charge my credit card four extra times, totaling 5x charges of {$91.00}. 

I called my Barclays Old Navy Credit card and reported the fraudulent activity as it was visible I was scammed. 

XXXX XXXX closed my investigation in XX/XX/XXXX and said that because I authorized one XXXX payment, this was not considered fraud and should have been entered as a dispute. 

I was never told or was assisted to have my issue be reported differently at the time I called in XXXX. The original assistant I spoke with took my complaint and entered it however she did, and then that investigation was denied. 


I then called back each week in XX/XX/XXXX and asked for them to properly dispute the charges the correct way and was denied the option to have my dispute opened up again because it was entered incorrectly. 

It is not my fault the credit card company was unable to investigate the transactions properly. 

The charges were not resolved after I have explained over and over what the situation is with the five charges. I did NOT provide and consent or authorize my card to be charged five times. I only attempted to make one purchase and I never received the item. The website used my information to obtain more money. 

I do not feel liable to pay all of these charges especially when not even a single item was received. I dont know how else to explain this for anyone to understand and I am out almost {$500.00}.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (WY)

This is in reference to an investigation into " Billing Error '' for debt claimed by XXXX XXXX XXXX. 

However, the attached email from Equifax does not contain the actual results of the investigation. In fact, despite multiple attempts to obtain/contest the results on " myEquifax website '', I am yet to gain access, receive the copy of the investigation by Equifax. 

Please be mindful that this is an ongoing contest by us for Federal violation under FCRA and Equifax can be prosecuted for the same.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom/TD Bank is reporting a fraudulent account opened on XX/XX/18with an amount owed of {$1700.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Nordstrom/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC (TX)

I got scammed to give my zelle information to a person for XXXX and my bank can't dispute it. 

SCAMMERS INFO WHERE I SENT THE ZELLE XXXX XXXX XXXX PLEASE HELP ME GET MY COLLEGE  MONEY BACK!
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Account shows past due however I have never been past due. I requested forbearance do you covid-19 and they granted it, however they sent me something to sign in the mail which I didnt receive. They had me sign Something and I sent it in, they said it would be taken care of. However it shows me being past due but not the case
Consumer complaint received 2023-01-18
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. (FL)

The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : CAPITAL ONE || Account # : XXXX
Consumer complaint received 2021-09-22
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (FL)

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -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 2020-10-26
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: Early Warning Services, LLC (AL)

On XX/XX/2020 applied for a vehicle loan. Eventually, that day loan was approved. However, several days later, I received a letter from XXXX XXXX. 
Indicating they were unable to approve my loan based on information received from Early Warning Services. Early Warning inaccurately and falsely reported that I have Serious Delinquency on my file! 
I wrote to Early Warning, ( XXXX XX/XX/2020 ) enclosing the letter from XXXX XXXX, with my information on that document. Address, phone number, date of inquiry. 
I told them that I have absolutely no delinquencies any where on my credit file, much less any indication of serious delinquency. 
Early Warning declined to take action ( their letter of XXXX XX/XX/2020 ), indicating that I needed to submit to them more personal and identifying material. I have not responded to that request because they were able to provide false information about me without additional identifying information and they must correct their false information.
Consumer complaint received 2021-01-26
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: Santander Consumer USA Holdings Inc. (DE)

I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-01-26
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: Nelnet, Inc. (DE)

I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I am a fairly sophisticated banking user. I have accounts at several institutions and am used to transferring and applying funds between my accounts. I use XXXX for example to transfer funds from XXXX XXXX XXXX to Chase - the funds are available and subtracted THE SAME DAY between these two institutions - almost real time. 

I have 3 accounts at XXXX XXXX XXXX A checking account, a HELOC account and a Mortgage account. All at the same place. When I allow Chase to autopay from my checking to my HELOC ( and ONLY on Autopay ), funds are removed from my checking 2 business days PRIOR to the funds being credited to my HELOC account. Chase shows the reduction in my checking balance, but no entry in my Heloc account for 2 whole days - meaning, if this is bulked up, every customer at Chase, they are using internal transfer delays to create liquidity - I am a small part of this pool of funds but, given that its within Chase ( the same institution ), there is no external transfer, this seems very inappropriate to me. It doesnt happen even between Chase and XXXX or Chase and XXXX, or for transfers I initiate, only internally at Chase where they have control of, and access to, the moving money
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (NY)

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

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 or 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.
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

I got an XXXX prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Conduent Incorporated (OK)

I was told that my card was wrongly shipped originally just for it to have been correct and I now have two cards. I had questions about the card I registered with because it was an inactive card and instead of helping me I got the run around for 4 hours out of my day. The employees told me to keep calling the number on the back of my new card making it inactive and then they refused to unblock the card even though they told me that it is possible for someone in the company to unblock my card. I was then transferred to a supervisor where I asked him for his name so I could give my complaint and he only told me his first name ( XXXX ) he then talked over me while I asked my questions and gave the goodbye portion of the call hanging up in my face.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-10-26
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. (UT)

XXXX XXXX is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

my bank account with XXXX XXXX was fraudulently used to XXXX  contacts that were not mine. My XXXX account, my savings account, and my cash app accounts were accessed by someone other than myself. 

My bank replaced my debit card and checks. This is the second time in two months. Cash app refuses to refund my money of XXXX transfer to XXXX XXXX. I have never used XXXX XXXX and would not transfer my money to that. I tried the week before to transfer the XXXX to my bank account with no success. 

Anyone could have hacked my account, my checking account with XXXX XXXX proves that. But cash app is insisting I did not cancel the transaction in time. Sorry but I was dealing with new cards, new checks new number on two savings and one checking account XXXX XXXX XXXX  and cash app. 

They have no evidence that I personally initiated such a transfer to XXXX, I reported the phising email I received from XXXX that started all of this to my bank, to the Attorney General 's office. and the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (LA)

On XX/XX/2024 I sent a dispute via certified mail through USPS to XXXX. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for XXXX to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that XXXX and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that XXXX DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and XXXX has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : 1. Regional Acceptance Corp XXXX XXXXXXXX
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (DC)

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, Experian and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another XXXX inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Consumer complaint received 2020-10-26
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. (NC)

I have never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX