davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A claim I submitted to Bank of America for the non refunded portion of a XXXX tour package using my Bank of America Premium Rewards credit card was denied. The card has an annual cost of {$100.00} and offers travel protections. The tour was to begin in XX/XX/2020 with the main attraction attendance at the XXXX XXXX XXXX XX/XX/2020. Due to the Covid-19  pandemic, the passion play and tour were canceled. I, as an XXXX-year-old person, was required to quarantine in my home. I canceled my tour package and received a refund from XXXX XXXX for 80 % of the tour cost. The tour cost was {$5900.00} and I received a refund of {$4700.00}. I believed that the Premium Rewards card should cover the non refunded portion of the tour package ( {$1100.00} ) because the 10th item on the credit card agreement specifically states that " a covered person is insured under this policy ... Quarantine of covered person ... a physician or by a competent governmental authority ''. A claim I submitted was denied on XX/XX/2020, because the event I was to attend was canceled, but my cancellation was significantly due to the Covid-19 quarantine imposed in the state of Georgia.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A XXXX XXXX  account was listed as " charged off XX/XX/XXXXXXXX  '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXXXXXX  ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (NY)

Discover Card Financial Svcs ( " DCFS '' ). On XX/XX/XXXX, " XXXX '' from DCFS ' Executive Office located in XXXX, XXXX contacted Complainant by telephone to inform him DCFS was conducting a " verification '' of Complainant 's income tax records. Complainant told XXXX he is a XXXX XXXX XXXX  who receives XXXX income. Complainant explained by federal law, he is not required to submit a federal income record. People on XXXX DO NOT PAY INCOME TAXES. Still, XXXX continued to 'gaslight " Complainant stating DCFS needs to conduct a verification with the IRS XXXX Complainant told XXXX the IRS will not release information w/o my consent. On XX/XX/XXXX, DCFS notified Complainant by mail and email his Credit Card was CLOSED due to " no verification. '' [ DCFS refused to disclose what they were seeking to verify in writing. ] On XX/XX/XXXX, after being transferred from DCFS ' Customer Service to DCFS ' credit bureau or XXXX XXXX XXXX XXXX XXXX Complainant spoke to a Svc. Rep. name " XXXX. '' XXXX explained according to the notes, Complainant was contacted on XX/XX/XXXX. Complainant was sent electronically a Federal Income Request Form - 4506 Federal Form. Complainant electronically filled out, and signed said form. Complainant e-mailed said form back to DCFS. THIS DID NOT HAPPEN! On XX/XX/XXXX, the IRS denied verifying Complainant submitted his XXXX income taxes. This is how DCFS justified CLOSING my Discover Credit Card. 

Accordingly, DCFS has committed Federal Fraud by misusing an online, federal, electronic signature 4506 Form. Then submitting said form to the IRS without my knowledge and consent. THIS IS FRAUD! 

According to my email server, no email contact was ever commenced on XX/XX/XXXX between Complainant and DCFS. DCFS ' IP Computer Address will show they never sent me a 4506 Income Tax Request Form. ( Had they done so, I would NEVER have filed it out. ) This is a federal crime.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently was checking my credit report on XXXX to find I have an XXXX XXXX XXXX debt on my report which is not mine ; please help remove this as I don't have a recollection of this account, they have not supplied any information as to the address which this account was attached to. There is also a Khol 's debt which was previously taken off my credit report and is now showing on my report again. Please help me with this as I have never had a Khols credit card.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


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 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  In accordance with the fair credit reporting act convergent account # has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-04-26
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

My loan was put on a forbearance plan in accordance with the cares act. I started making payments 3 months ago and the lender wont bring it out of a delinquent state. I requested the miss payments to be added on to the end of the loan. They are reporting the payments as delinquent and it is listed as a possible foreclosure on my credit report.
Consumer complaint received 2020-12-09
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. (CA)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2020-12-09
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 (LA)

In XXXX I planned a family trip from XXXX La to XXXX TX to attend a family event. I pre-paid for a room at XXXX XXXX through XXXX to stay during my visit. I booked the room XX/XX/2020 XXXX XXXX to check-in XX/XX/2020 and check-out XX/XX/2020 with the total amount billable {$210.00}. Right before I was supposed to leave I received an alert that the Covid-19 cases had spiked in XXXX which made me uneasy with getting the hotel room. I immediately cancelled the reservation later in the day of XX/XX/2020 and received a confirmation yet was still charged for the room on my credit card for a day which totaled {$100.00}. I disputed the charge through Capital One provided my cancellation emails and also advised that due to Covid-19 and the spike in cases I was not going to keep my reservation. My dispute was denied and the charge was left on my credit card. In the height of this pandemic there was forgiveness given for travelers due to the sensitivity and danger of this virus. I can't seem to understand how someone is expected to pay for a hotel room that was cancelled and was not stayed in. I was charged {$100.00}. The charge was rebilled on my Capital One account XX/XX/2020 case # XXXX
Consumer complaint received 2020-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that Capitol One had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted Capitol One about the issue The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX, XXXX & XXXX authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted Capitol One to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a Capitol One Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted Capitol One and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the Capitol One address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe Capitol One is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Date : XX/XX/2020 Amount : {$350.00} I issued the chargeback to my finacial institution. 
I tried to withdraw from the case since XXXX told me to do so. 
I tried to continue with the case and they said they cant do much since it was over the deadline and they told me to contact you.
Consumer complaint received 2021-06-04
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. (NY)

As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. the Erroneous RESULT OF The XXXX  XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC (NJ)

I had used an insurance I had through the Marketplace ( XXXX XXXX NJ ). I stopped using this coverage ( which XXXX claims is XX/XX/XXXX ). I recieved a phone call from GB Collects in NJ requesting payment ( over 1 year later ) for a non paid premium because I was " covered ''. I am pretty sure insurance premiums are not enforceable debt and I did not use the medical services of this health insurance company.
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.
Consumer complaint received 2020-12-09
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)

AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-09
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)

AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-09
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)

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of XXXX XXXX XXXX. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Consumer complaint received 2020-12-09
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. (TX)

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of XXXX  XXXX XXXX. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (VA)

I purchased my vehicle on XXXX XXXX which was financed through SunTrust bank. I had requested to have a pushback on payment twice which added an additional four months on my 72 months to 76 months. I did not know that they sold SunTrust to Truist at anytime during the XXXX or XXXX until I started calling regarding my account. If my account began with the first payment on XXXX why would they say that it matured on XXXX and the four additional months bought it to XX/XX/XXXX? If my loan matured in XX/XX/XXXX my additional four payments would have bought me in to XXXX. They would say that my loan had matured that there were no more monthly payments even though I was still making my {$420.00} online payment to them. I called over twelve times and every time I got a run around with no answers as to why I had a balance of XXXX. I knew that I had that balance for I received an email on from Suntrust stating that amount. Emails were sent to them, phone calls and no one ever answered to as to why this amount. I feel that in the transfer of sales from SunTrust to Truist they never did the right thing in posting payments and that there was an error somewhere in my account on their behalf. I have paid off my account and never ever received an answer to all the extra money which I believe that I should be refunded for my payments were made online every month and in adding the dollar amount it does not come up to the payoff even if I add extra for late payment which is no where near the amount. I would receive phone calls about my balance owing but no phone call as to an explanation. No one has no clue as to why.
Consumer complaint received 2020-12-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/2020 I received a call on my work phone after the representative identified themselves I informed them this was my work number and I am not allowed personal calls on this line. I have received several more calls since that date on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 I would like these calls to stop as my advising them personal calls are not allowed per my employer 's policies and procedures.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

On XX/XX/XXXX I Recognize un-authorized activity on my Coinbase account. I asked them to lock my account. XX/XX/2021 I learned that my email account XXXX had been compromised, the unauthorized access was used to gain access to my XXXX, XXXX, and XXXX accounts. XX/XX/2021 I secured my e-mail address with XXXX, changed my password and established XXXX using my phone. I also worked with Coinbase to secure and re-establish my account. We set up XXXX using my e-mail address. Someone has gained access to that account somehow and has changed the security settings removing my phone, voiding my e-mail address as viable contact and has established XXXX on it using another device. The hacker and Coinbase have effectively locked me out of my own account and has seemingly transferred ownership to someone else. I had about XXXX in my account. I had sold all my XXXX XXXX and had converted it to cash {$2800.00}, I was holding about XXXX {$900.00} XXXX and {$45.00} XXXX. I had verified XXXX on my bank accounts with my phone and removed them before I lost access
Consumer complaint received 2021-10-17
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. (VA)

I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,