davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (CA)

I received an UNSOLICITED " Netspend Prepaid Mastercard '' in the mail. I did not apply for this card and have no intention of using it - however, they included a very official looking card with a number, expiration date and my name on it. Also had the tape on the front stating " Visit netspend.com/activate ... to activate and verify your identity ''. It was my understanding that it was illegal to send out a live credit/debit card without the recipient actually applying for it. I have no intention of using this card, but could not reach Netspend to complain - their automatic system does not have any way to reach a real person - it wanted me to enter the card #. I did not do that because I did not want to inadvertently activate the card. 

A review of the Internet reveals that Netspend seems to do this a lot. Thank you.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

THE DISPUTED ACCOUNT REMAINS ON MY CREDIT FILE : ABILITY RECOVERY SERVI Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
COMPLAINT My complaint is this is wrong information. They have deliberately increased the balance of a student account. I have been XXXX XXXX since XXXX. I withdrew from school and the financial aid payment was returned to the Federal agency in XXXX my last payment to the school would have been in XXXX before I got sick This can easily be verified by last date of enrollment. Ability Recovery Services has added {$400.00} to the collection amt reported by the school. that should be illegal. not only that the date the account was opened is clearly incorrect XX/XX/XXXX and this is old enough to be removed immediately. I need info on how to file a lawsuit. i have asked them to verify this amount and dates of enrollment with no response. copies attached
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

According to XXXX XXXX account was opened XX/XX/2016 with XXXX which I have never heard of. The amount showing owed is {$290.00} and is in collections with XXXX XXXX XXXX XXXX. This account is not mines. I have disputed but I have received no response.
Consumer complaint received 2020-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX  and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue  to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute  investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and XXXX   refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, XXXX  and TransUnion continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG TO ME!
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had a fraudulent transaction on my capital one credit card for {$960.00} USD which happened on XX/XX/2022. This happened while I was on vacation in XXXX and I don't know how my chip was used for this transaction. 

It went back and forth with capital one on opening up dispute and them closing out the dispute. I tried disputing with capital one several times from XXXX but they were just eager to close the complaint. They were able to get the transaction receipt document to me and I did not recognize the {$18000.00} XXXX {$960.00} USD. 

Along with the transaction receipt, Capital one had also asked me to write a statement stating that I did not receive the goods and services and I did that exactly. Along with my statement, I had also sent out my current and previous Drivers License pictures so that they could verify my signature and see that it was a fraudulent transaction with a fraudulent signature. 

I had also looked up the merchant online and there was not even a phone number associated with the merchant. The merchant seems to be a fraud/ scam as there is no information about the merchant on the internet or a phone number. I am being repeatedly told that capital one can not do anything since chip was used and that I need to contact the merchant directly to resolve the issue. 

I have attached the latest communication from Capital one in XXXX and XXXX. There was also communication prior to the one 's attached.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

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
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint on XX/XX/XXXX in regards to an issue I have been having with Bank of America due to money that they owe me I only have until the XXXX of XXXX to claim the money before it is forfeited over to the state however I have contacted them as well as filed a complaint with you which should have stopped my time although Bank of America indicating different they responded to the complaint I last filed on XX/XX/XXXX indicating that they would have a resolution by the XXXX of XXXX which has now passed and that they would contact me at the updated contact information provided however they failed to do so and are giving me nothing but the runaround and refusing to pay me the money thats owed to me so Im filing another complaint hoping that this time this one gets me somewhere
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc. (SC)

For several months I have periodically received a phone call from an unknown number. Today I received multiple and finally decided to call the company back. It turns out they have my number on file for a debt owed by another gentlemen. Multiple representatives informed me that my number could not be removed from their system and that they would keep calling until it is paid. Upon requesting a supervisor a gentlemen by the name of XXXX XXXX answered the phone. This gentlemen was very rude from the beginning. He informed me that he would make a not that my number is not for the account holder but refused to actually remove it from the system. He begin informing me I was waisting his time. He then began insulting me, calling me a child, informing me I have nothing to do with my life, and being extremely rude to me. Meanwhile I maintained my composure and respect the entire time. He compared me to a drug dealer as well for some reason. I want my phone number removed from their system and confirmation once complete. It is illegal for them to harass me for a debt owed by another person. My phone number is personal information and I have had the same phone number for 15 years.
Consumer complaint received 2021-08-11
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. (CA)

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! XXXX XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-10-20
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: HCFS Healthcare Financial Services of TeamHealth (OH)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -ARS # XXXX
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
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. (NC)

I sent a dispute on XX/XX/21 and still have not heard back. I also sent a demand to comply letter on XX/XX/21 and have not received a response.
Consumer complaint received 2020-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed a fraudulent account by the name of XXXX XXXX  account number ending XXXX and I never received a response from Equifax or it didnt get removed I never applied for this credit card and I send in some documents and never got a response at all its been a month ...
Consumer complaint received 2021-08-11
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)

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am trying to lookup a transaction or transactions that happened on XX/XX/2012 which was a debit for {$870.00} in my checking account ending in XXXX. However, the bank doesn't show any records beyond 7 years. I spoke to a customer service representative and her supervisor and both claimed that the bank doesn't keep records beyond 7 years which is hard to believe. 

I need that information since I need to claim deposit for my apartment that I was renting and the bank is providing me no way to get this information.
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I spoke with a representaive from Synchrony Bank on XX/XX/23 and have been inundated with multiple calls from several different numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, etc. Upon callback I discovered that every single call was from Synchrony Bank even after I have withdrawn consent to be contacted on a recorded line. Times of each call reported below. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-09-14
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. (GA)

on XX/XX/2021 I sent out a letter to Transunion asking them to remove items from my report according to the law O.C.G.A. 15 USC 1681 a ( d ) ( 2 ) ( B ). I did not receive a response from Transunion. On XXXX XXXX XXXX, I wrote an affidavit of truth and sent that to them along with the original letter and still I have not received a response. I do know according to law that after 30 days the items must be removed.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, Transunion ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (CA)

Due to a reduction of pay and provisions in the CARES act for COVID related impacts allowing temporary suspension in mortgage payments, I opted in to Fulton Bank 's offering. Nowhere was it revealed that this would result in a report to credit agencies disallowing any refinancing actions, or new mortgages. This should have been disclosed in the suspension offering process. Upon learning of this 3 months later, and being denied a critical refinancing with another bank ( to alleviate impacts of income reductions related to COVID ). I repeatedly called Fulton Bank to urgently resume payment schedule and not be reported negatively in a forbearance status. Representatives took days to respond or did not respond at all. My financing with another bank was denied due to this and resulted in a negative financial impact, exacerbating COVID related financial impacts. I was finally able to immediately pay the 3 months of deferred payments, but I was never provided a letter to lenders testifying that my Fulton account was in good standing. Over several weeks, I repeatedly called on phone and sent online messages requesting the electronic transmission of this critical letter I needed. My credit scores are over XXXX and I am currently unable to complete any other financing actions because of this adverse action by Fulton Bank. Most egregious is the treatment by representative " XXXX '' in the Mortgage section and with responsibilities in COVID related deferrals. She has refused to send me an electronic letter for weeks, has hung up on me over the phone, and refuses to answer the phone when I call back for an update on receiving the letter. In addition, no letter has ever arrived via US Mail either. I have electronic messaged Fulton Bank regarding XXXX for several weeks, and I just get messages back that a supervisor will get back to me. Nobody has ever gotten back to me in over two weeks. I lost the other financing due to this incompetence and lack of service, causing long term financial damage to my family in the middle of this pandemic. In addition, the arrogant and flippant attitude of this mortgage representative and refusal to help has been been simply unfathomable.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

I have repeatedly disputed this asking for validation as I have no idea who Enhanced Recovery is or why they are reporting on my credit. They have never sent me anything in regards to this. This is a violation of the FDCPA and FCRA. PLease help me!