davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had been with Capital One for several years and always had slight discrepancies on amounts being different and purchases -- I would have to cancel cards and then it would happen again on new cards.. Recently I have lost $ XXXX in purchases NOT MADE OR AUTHORIZED BY ME PUTTING MY DEBIT ACCOUNT IN THE CREDIT. 

Capital One refused to do anything -- will not even investigate -- I have contacted OCC and filed a Police Report. The Police told me to call Capital One and have my accounts frozen -- THEY REFUSED TO FREEZE ACCOUNTS. 

I am with another bank but I fear they are still charging -- today I got notice of a 12 pc. furniture being delivered to Arizonia ( I AM IN MASSACHUSETTS AND OBVIOUSLY DID NOT DO THIS ) i do not know how to stop them. Both my debit and credit statements are loaded with purchase that are fraudulent -- they will not freeze my accounts. So far I have had $ XXXX stolen and I fear for my good credit. PLEASE HELP ME.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you
Consumer complaint received 2018-02-06
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. (GA)

I have contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (TX)

Westlake Financial Bank was supposed send me a check for my cancellation of service contract and gap insurance in the amount of XXXX and they have not sent it to me. The cancellation was received to them on XX/XX/XXXX cancellation notice was on the gap and the service contract. They have given several dates when I was supposed to receive the check but they keep changing it and pushing it back. Call XXXX XXXX at XXXX ext. XXXX she is the last person I talked to on the phone. She said I would receive it by the XXXX of XXXX. I was told different dates twice already. Please help get my money back. I financed a car from them through my with a service contract and gap insurance. I had it refinanced through XXXX XXXX XXXX XXXX XXXX. They had a better service contract and gap insurance than Westlake Financial. When I refinanced the gap Insurance and service contract was included in the loan. I cancelled theirs and have yet received the money. Call me please XXXX Thanks XXXX XXXX
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

A collection agency called my work cell phone in the middle of my work day to advise that I owed XXXX XXXX over {$3000.00}. I have never had an account with XXXX XXXX. I asked them to clarify and they said they had an affidavit that it was my debt that started in 1993! They read off my name and social security number and I said that is not my debt and I don't have anything in writing from them. I asked them for back up on this debt and a copy of the affidavit as this was 25 years ago I do not have any back-up. She collector named " XXXX XXXX '' refused and said she would forward to her attorney 's for further action. She also threatened to call my current credit card companies and have my accounts cancelled and destroy my credit which is good as I just leased a car. Not only do I think this is illegal but harassing and I would actually like to sue this company. The company is call XXXX and the phone number is XXXX.
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all XXXX credit bureaus
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (OH)

I have sent 3 certified return receipt letters to Georgia Student Finance regarding the late payments they are reporting on 7 accounts that are  damaging my credit severely. 

To date, they have ignored my letters and never responded to me. 

I have provided them with FTC Advisory Opinion to Harris ( 03-22-99 )  *attached, which states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such  as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 

Please assist me with getting a response from Georgia Student Finance regarding the issue stated above. They have ignored my disputes and every month, they continue to report late payments even though the FTC opinion states they are to CORRECT and update the payments now that they are no longer late.
Consumer complaint received 2018-02-07
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. (NY)

I just received a copy of my experian credit report. XX/XX/2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX has done there investigation and these accounts were verified to delete and they did delete them off my XXXX credit report. Experian just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me experian is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (LA)

I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.
Consumer complaint received 2022-04-29
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)

This XXXX account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (TX)

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Consumer complaint received 2021-01-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (GA)

I called Synchrony Bank on XX/XX/21 to close a CD. I was told it would take 3-4 days before the account could be closed. I challenged this delay, but got nowhere. Three days later, I got an email saying my account was closed and the money had been transferred. But when checking my other bank account at another institution, the money was not there. My money had NOT been transferred. So, I called Synchrony again on XX/XX/21 and was told it would be 3-4 days before the money could be electronically transferred to my bank. I told them they lied when they originally said it it would take 3-4 days to get the money. They deliberately hold on to other people 's money as long as they can. These people are XXXX crooks!
Consumer complaint received 2023-04-03
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. (MD)

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States 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 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, 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 2022-04-29
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)

This XXXX account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Consumer complaint received 2022-04-29
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: Army and Air Force Exchange Service (FL)

In accordance with the Fair Credit Reporting Act, Military Star has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an 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 2023-03-17
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: EQUIFAX, INC. (FL)

I AM INTERESTED IN PROCESSING DISPUTES FOR ALL INACCURATE INFORMATION ON MY CREDIT REPORT WITH EQUIFAX. PLEASE REVIEW ALL DATA THAT IS HINDERING MY FILE & REMOVE ALL LISTED ITEMS ASAP.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (SC)

I have sent 3 letters to Equifax requesting more information on 2 accounts that are listed on my account as collections. No information is provided regarding these accounts. 
NO creditor is provided.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Online wired {$50000.00} through Chase Bank to XXXX XXXX for investment in real estate. May have put down contact person, XXXX XXXX on the payee section instead of the memo section. Received message that needs to provide DOB for XXXX XXXX and transaction under OFAC investigation. Replied and attached escrow instruction to clarify payee to be XXXX XXXX and not XXXX XXXX. Provided phone number. Have been receiving the same automated message no matter why I sent them. Chase 's XXXX XXXX phone number provided in their message does not allow leaving messages nor connecting to any department or person. Called local branch Chase and they are not able to release the hold on the {$50000.00}.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I have emailed the CEO, XXXX XXXX yesterday and have attached my receipt from my probation office that the charge of {$420.00}, a charge that was on my XXXX  XXXX  Card/LVNV Funding LLC can be removed from my credit report that is in collections. That {$420.00} has been paid for through probation. That is in attempt to collect money from me. I have not received an answer yet but will like the collections removed, deleted, permanently!
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on MACYS/XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Consumer complaint received 2020-01-23
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)

On XXXX at XXXX XXXX Equifax received a dispute on my behalf in regards to several accounts reporting on my credit file that was established due to identity fraud. The tracking number of the certified receipt is ( XXXX ). I was sure to also include a copy of my driver 's license, social security number, and date of birth with my dispute. Despite my efforts and I have yet to receive any correspondence regarding my dispute initiated with Equifax. On XXXX at XXXX XXXX, another dispute letter was received by Equifax on my behalf regarding the same accounts that were established due to identity fraud that are currently reporting on my Equifax credit report. Along with those letters I also included a copy of my driver 's license, date of birth, and social security number as well. Equifax recently sent my letter stating they were unable to locate a credit file with the information that was provided. The letter states that I need to provide my name, current address, date of birth, and social security number. I find this totally unacceptable since I already provided that same information on both dispute letters that I sent. In addition, Equifax is in violation of the Fair Credit Reporting by failing to respond to my initial dispute within the 30-45 days  allotted.
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (CA)

I'm tired of calling GM Financial because all they do say is that everything looks good on their end but they refuse to understand my request. I am in the process of buying a new home and GM financial continue to report a payment due for my lease end on my credit report. I've spoken to them multiple times and they advised me that its paid off on their end. I continue to request for them to remove this from my credit report because it is affecting my ability to get approved for a loan. I returned my lease in XXXX. Its been 5 months I been trying to get this fixed! 

My credit report is showing due {$840.00}, the exact amount for the lease end fee. However, I leased a new XXXX before returning my old one which waived all termination fees and excessive wear and tear. I spoke to 5 agents at GM Financial and even received a letter stating that my account is paid in full. If I lose my chance to purchase my home because of a simple issue like this, I will take further legal action.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/13 During our children 's illness and care and transportation back and forth to the XXXX XXXX and not being able to work full time and only part time to help his recovery over 49 months our mortgage company at the time, Mr. Cooper - XXXX XXXX prior would not approve us for a temporary modification nor a reduced payment for a interim period of time.