davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (GA)

Recently, i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXXt XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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 2022-01-08
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)

All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both Equifax and XXXX.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (AL)

In XXXX of XXXX, XXXX, and again in XXXX, my XXXX card issued by Comenity Bank was used by an unauthorized party who somehow had access to my account information even though I received a new credit card number after each of the three previous unauthorized charges during the past three years. No one else has access to my credit cards. 
In XXXX and XXXX, after filing a formal complaint with Comenity, they eventually conceded that it was an unauthorized charge ( XXXX for {$380.00} ) to my credit card. After each event, I received a new credit card with different account number. Unfortunately, in XXXX Comenity declined to do so, requiring me to pay the unauthorized charge to keep my account current and avoid a negative impact to my credit rating. 
Given that this is the third time in that many years that my account has had the same unauthorized charge for the same amount and payee against my credit card, I am quite concerned about the lack of responsiveness on Comenity 's part and what appears to be lax oversight provided for unauthorized charges and worry about what certainly appears to be a pattern of control breakdowns leading to unauthorized use. I'm also concerned about Comenity 's continued authorization of these annual charges to new credit card account numbers ; someone should have observed red flags by now.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, my partner and I opened a business checking account at Capital One Bank. We deposited {$250.00} that day. On XX/XX/2020, I transferred {$25000.00} into the same account. On XX/XX/2020, the account shows the funds deposited but, inexplicably, {$0.00} are available for use. After hours of being routed and rerouted on the phone with the bank, we were finally told that no further explanation is available. We are a XXXX XXXX XXXX  and desperately need access to our funds. The bank has stolen our money from us.
Consumer complaint received 2018-07-09
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. (FL)

Somehow Experian seems to have verified some information, That XXXX deleted. XXXX   deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Experian somehow verifies it.?? 

XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Experian is in violation of the FCRA, XXXX Deleted the same item that I challenged at Experian
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX  ) by this person from XXXX ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : //www.facebook.com/baohannguyen.helia. Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX Can they be trusted?
Consumer complaint received 2018-03-28
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. (TX)

Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
Consumer complaint received 2020-03-25
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 are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (AR)

On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the  debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : /XXXX. Please help me, what should I do to get my funds back.
Consumer complaint received 2022-09-15
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. (DC)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : XXXX XXXX XXXX XXXX*Balance : {$0.00}
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I had a credit card with XXXX and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.
Consumer complaint received 2022-09-15
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. (CA)

I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account XXXX XXXXXXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT -CREDIT SERVICES-XXXX  -XXXX  XXXX -THE XXXX XXXX INQUIRIES -IMPORT PLUS- XXXX XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-07
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased an USED XXXX XXXX XXXX, on XXXX from seller XXXX. I received the miner around the first week of XXXX. Before I used the miner I  contacted the seller and expressed that the condition of the item should have been in better condition for the price I paid. He replied that I should have only bid the amount I was willing to pay, and that I had " buyers remorse. '' A few days passed and I set up the miner, on XX/XX/XXXX I contacted him through XXXX  messages again and told him one of the boards inside the miner wasnt working, and that one of the fans was damaged. He responded on XX/XX/XXXX he sent me a return label to my email and once he received the miner he would test it and send me another one. It was sent via XXXX and delived XX/XX/XXXX. 

Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To make a long story shorter I misplaced the tracking information after it was delivered and continued contacting the seller ( several times ) through XXXX asking what the status of my replacement was. Last he told me he couldnt find my order, and needed more information. He had my order number, name, email and he sent the return label. I dont know what other information he could need. He has since no longer been in contact with me. 

I disputed the charge with XXXX, but they only offer a money back guarantee for 30 days and I was outside that window. They told me to go through XXXX since I paid through them and they offered a longer protection window. I contacted them several times. The first time I opened the case on XX/XX/XXXX. I was told the case was closed due to lack of information on my end. I reopened the case XX/XX/XXXX. The case was closed again. First XXXX said they couldnt track the return. I then asked to speak to a manager he told me the case was closed because the seller revoked the return authorization. Its very upsetting that XXXX wont offer any assistance in this situation. Thats why this service is used so that people dont get scammed like I have. The rep then told me that I should pursue my credit card company since I have no contact information for the XXXX seller. I opened a case with my credit card company as well, but they needed more information, once they received the information to support my case they told me too much time has passed and they cant do anything to help me with this case. 

Afgter
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (HI)

i get daily and repeated calls from discover card even though i asked to to stop calling my work place ... they call at least 3 times a day. i have gone into debt consolidation with the slate group and they have also been contacted by slate to let them know about my debt settlement.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

In XX/XX/2019, I deposited {$10.00} and {$100.00} into PNC interest account XXXX. The funds remain on file with PNC. 

PNC is an institution that mails periodic statements to consumers. I did not receive a periodic statement containing the required information in Section 230.6 ( a ) of Regulation DD. 

In addition, in violation of Regulation DD, Section 230.7, PNC has not credited me with the interest promised in the account agreement.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a XXXX XXXX  as a XXXX XXXX and an XXXX   XXXX with a XXXX XXXX. I got a loan sent to my bank of America and my account was shot off, I cant get access to my money or do online transactions to pay my due Bill 's or make a withdrawal. I called Bank of America and they told me it because I received a large sum of money and they flagged my account and my account is pending closure. It been about 2 weeks now and nothing positive has happen. I called them recently and they not giving me any explanation as to what's happening with my account, I can provide information from the organization I contracted with as an XXXX XXXX doing business. They only told me they doing investigation and my account is pending to be close.
Consumer complaint received 2020-07-22
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)

Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I filed a disputes with XXXX XXXX and Transunion in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Consumer complaint received 2022-09-15
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (VA)

On XX/XX/XXXX, I contacted CAINE WEINER ( collection agency ), regarding an inaccurate item on my credit report. I noticed I had an item being report as a collection item from XXXX. I immediately contacted Caine Weiner ( collection agency ), they stated I had an unpaid balance of {$360.00} that was owed back in XXXX. I made it very clear to them I never had XXXX XXXX for any of my vehicles all my vehicles were insured by different insurance provider. I asked for Validation of this debt a contract signed by me, a copy of my id, and a copy of my ssn as validation. They stated I would have to contact them by mail to obtain a copy of the documents. As instructed by one of their reps I sent in a letter asking for a contract signed by me, a copy of my ID, and ssn. In turn they sent me an invoice showing the balance I owed. I called them stating I received an invoice and not any of the documents I required to validate the debt was truly mine, I contact XXXX regarding this matter and they stated there was no account found with the account number I provided, I mentioned the debt was collected by a collections agency and if that may be the reason they couldn't pull up my account the rep wasn't sure but stated regardless the fact they should be able to pull up an account, I even provided my ssn and vin number to each vehicle and still NO account found. I than contacted Caine Weiner and informed them that XXXX wasn't able to pull any account what so ever with any of the information I provided, they proceeded to tell me that the debt must be paid to them. This is a complete scam! they can't provide proper documentation to a consumer but they are willing to provide an invoice stating you owe them an unpaid debt. Please remove this inaccurate item from my report.