davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I made a payment with my debit credit card to Capital One for amount of {$940.00} per my statement for my son, XXXX XXXX car payment. A few days later I did not recognize the payment on my online XXXX account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what they could do. They said they would take care of it and that there was nothing more that I needed to do at this time. So, it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). Capital One has been calling us looking for their money and when they call, we contact the XXXXXXXX XXXX and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and has not again been sent back out. Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing XXXX can do at this time. Capital One has received their monies and nothing they can do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the XXXX payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MD)

I have maintained Savings and several CD accounts at Ally Financial for ten years. In XX/XX/2017, without my request or authorization, someone at Ally changed the first name on my three bank accounts to a different first name ( same last name ). The name they used is not my name. The change was made unilaterally, without consulting me. I noted the error upon logging in to their website in XXXX of this year. I contacted their customer service department and explained the issue. I have now made three separate phone calls and followed up with four emails to Ally customer service. I have sent photocopies of three different forms of identification. The time I have devoted to this problem is now more than three hours. My most recent contact with the company ended when the customer service representative abruptly hung up on me.. I have repeatedly requested that someone from the company contact me and explain why the name on my account was changed. The company has still not changed the name on my accounts and no one from the company will explain to me how this happened.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX mother.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
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. (AZ)

I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX  - XX/XX/2020 I am attaching my ID
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My unemployment card was mailed to me on XX/XX/XXXX via XXXX. I was told on XX/XX/XXXX that it would take 3 to 5 business days for card to arrive and was told no tracking number can be provided. On XX/XX/XXXX at approximately XXXX, I heard my door bell ring. I'm XXXX years old and don't move as far as I used to, I hear foot steps walking away. At first i didn't think anything of it because I wasnt expecting and packages, this was the second day. So around the 4th day XX/XX/XXXX I called Bank of america and asked about the status of my card and they said it was activated and all the money was gone. I filed an initial claim which I was told was automatically denied. So I filed a second one on XX/XX/XXXX. I asked for provisional credit but was told I wouldn't get it. I really need the money for bills and medicine. Please help.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

Opened account on XX/XX/2018. Bank offered {$300.00} bonus for opening account and depositing within 30 days {$15000.00} ( satisfied terms on XX/XX/2018 ) and maintaining balance of same for 60 days ( satisfied terms on XX/XX/2018 ). Bonus has not been paid to date. 

In addition, attempted to draw check on the account in the amount of {$5000.00} on XX/XX/18 and depositing institution reversed the check on grounds the account on which the check was being drawn was frozen ( I have never asked for the account to be frozen or placed on hold ).
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (MA)

I opened the  KeyBank  account back in  XXXX   XXXX    XXXX   with the sign up bonus promotion of {$300.00}. I met all the criteria for the bonus but has never received it. I then contacte d KeyBank and found out that the promotion code I gave to the clerk was never submitted to the headquarter. I spent another 2 months to resolve the issue myself but it appeared KeyBank is delaying the process until I give up.
Consumer complaint received 2017-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fay Servicing, LLC (MA)

I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have multiple issues with Experian : 1. My credit score was downgraded because they reported my mortgage on two different financial institutions at the same time, doubling my debt ; they refused to correct it, despite their own report showing that I only owe the amount to one institution ; my score was decreased by 45 points! 
2. My report includes 2 names, one of which I never used ; I can not dispute it on line because they don't allow it, I tried to call but calls get disconnected ; I even reached a person who introduced herself as XXXX and got disconnected too ; 3. My report included an address I never lived at and which I disputed in the past, it had been removed and now it's showing again. 
4. My Experian score is lower than any other scores reported and they are causing financial issues preventing me from getting low interest loans ; they make it impossible to fix issues and abuse their power by ignoring real problems reported.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX of 2020 theXX/XX/XXXXXXXX XXXX account XXXX received a deposit of {$18.00} that had cleared without any known problems. XX/XX/2020 another transfer was made fromXX/XX/XXXXXXXX XXXX account XXXX of {$28.00} but did not deposit. Instead On the same day as that transferXX/XX/XXXXXXXX XXXX account XXXX completed a unauthorized transaction on XX/XX/2020 BARCLAYS BANK DE , COLLECTION - {$28.00}. That transaction was not authorized or initiated by myself.
Consumer complaint received 2020-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1000.00}, {$12000.00}, {$5600.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


] -- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-29
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. (NV)

My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.
Consumer complaint received 2020-07-16
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged {$2100.00} for 4 round trip flights cancelled on XX/XX/2020 due to COVID-19. My travel agent requested a refund and I was told it would be processed within 3 months. On XX/XX/XXXX, 3 months later, I had not received the refund and I contacted the travel agent. She stated that the airline was no longer allowing travel agents to process refunds and she suggested I start a credit card dispute. I started a dispute via telephone on XX/XX/XXXX ( 110 days after the cancelled flight ). It took the credit card company 2 weeks to credit me the amount and 4 weeks to send me the paperwork. They then denied the dispute claiming that I took too long to file the complaint even though I did it within 110 days. I spoke to 3 supervisors and 5 regular agents and none of them would help me.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! 

Should be removed XXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXXXXXX never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out XXXX!
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I was talking to a representative named XXXX Concerning a payment due For XX/XX/2023 Because my credits were being with held! I stated to him that I received no Notifications That I was due on XX/XX/XXXX Because the system Never indicated that I was past due or had a bill due for XXXX the XXXX because I never received any notification Prior by email or by automated system or website That I was due on XXXX the XXXX as I stated to him! I also told him that if I had known that I had to due date that I would have made the payment Which I received no notification Because the system told me that I didn't have any payments due! So he goes on to say that we sent an email So I went to check and I received no statements for XXXX the XXXX Is stating that I was due The only statement that I received was a due date for XXXX the XXXX XXXX! So he checks again and tells me that the email bounced and it never went through So I told him that I needed to be complicated for the capital one 's error And he States to me That there's nothing he can do! I feel that capital one needs to be held accountable For their errors And not blame the customer because they have made a mistake.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.