davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX Na XX/XX/2023 ; XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I filed a complaint # XXXX with XXXX a copy of my credit report and noticed some hard inquiries did not get deleted. 

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 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My complaint is about Capital One 360. 
On XX/XX/2022, I noticed two unauthorized transactions on my account. These transactions were XXXX transfers to a certain XXXX XXXX amounting to {$130.00} + {$300.00} = {$430.00}. 
I immediately called and alerted the bank, which took note and promised to reinstate a temporary credit to my account. 

Meanwhile, on XX/XX/2022, the bank credited my account with {$430.00} but denied me access to the funds. Several calls I made with them couldn't give me access to my money. 
At some point, I was told that I should expect a check in the disputed amount and any other balance in my account and that Capital One 360 had resolved to close my account and discontinue doing business with me in the future. I won't be allowed to bank with them going forward. 

On XX/XX/2022, the credited amount of {$430.00} was reversed by Capital One 360 and deducted from my account. 


Thanks.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  Bankruptcy 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 Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Consumer complaint received 2018-12-04
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: SUNTRUST BANKS, INC. (NC)

I have SunTrust Credit Card /Master Card number ending XXXX. 
In the Month of XX/XX/XXXX Statement I have seen charges by XXXX XXXX XXXX XXXX for {$720.00} on from XX/XX/18 ( and later another charge from same company for {$28.00} on XX/XX/XXXX ) hence contacted SunTrust customer service to report fraudulent activity on XX/XX/XXXX. I have received letter from SunTrust on XX/XX/XXXX stating case No XXXX and advised that charges will be removed from my account. Subsequently I have received letter which was mailed on XX/XX/XXXX stating that there investigation indicated that I have participated and or received benefits hence claim denied and charges reinstated on my account. 
I have called and spoke to Fraud Assistance center again on XX/XX/XXXX and asked them to share documents which they have received from XXXX which indicates that I have received services but till date I have not received any information from SunTrust. 

Mean time I was able to contact XXXX and was told by them that it was not me but some one with similar first and last name received services from XXXX ( based upon XXXX preferred number and driving license / email / phone number ) but they can not do any thing as case has been disputed with bank. 

I have visited SunTrust local branch on XX/XX/XXXX and submitted further documentary evidence to prove that I was in another town interviewing for my job and rented car from another car rental company including my hotel / flight reservations details and other documents to prove that this was not me who rented car from XXXX and it is a fraudulent activity hence I should not be liable for any charges as per card issuing agreement with zero fraudulent liability. 

Since I have not heard any thing from SunTrust back, called again there Fraud Assistance center on XX/XX/XXXX around XXXX XXXX and spoke to agent XXXX who re-escalated my claim and asked to call back in 24-48 hrs. She also told that some one from SunTrust will contact me regarding this soon. 
There was no call from bank hence I have called again Fraud Assistance center of SunTrust bank and spoke to XXXX around XXXX XXXX   on XX/XX/XXXX but she told me that case has been closed on XX/XX/XXXX and denied.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (TN)

Avant XXXX23 after seeing if I was preapproved the company did a hard inquiry and started soliciting me for loans XXXX XXXXXXXX23 I was asked if I wanted a rewards card wasnt informed it was a credit card
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX & XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX  XXXX, Amount : {$1200.00} Capital One Bank USA XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}
Consumer complaint received 2022-07-19
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)

I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XX/XX/22 and XX/XX/22 ), XXXX ( XX/XX/22 and XX/XX/22 )
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (NY)

After I started to dispute this account. I started recieving threatening text messages stating if I do settle they will seek legal action. Also when I had my account with them and when I needed to make payment arrangements I was being charged for the payment arrangement. 
They have also sent me letters stating Iam preapproved for store credit trying to trick me into contacting them. The amount they are stating I owe is way more then the original amount. It has been almost 7 years since I opened up this account.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Since mid XX/XX/2023 I have been trying to access my Equifax credit report. I have tried multiple sites and options to access and each time i receive an error that it is not able to be accessed. I have spoken with Equifax now on multiple occasions and each time they claim they are escalating the situation and someone would reach out to me but no one has. Each time I call back the new representative is trying to get me to repeat the same trouble shooting steps that have yet to work to this point. The reps either do no listen to what is being stated to them or can not comprehend the issue at hand and I have gotten now where with them.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IN)

Received an XXXX alert and XXXX ID theft alert regarding a credit inquiry using my information. The attempt was made on XX/XX/2022 through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It was suggested to file a complaint to FTC, which passed me to this website. 

Thanks, XXXX XXXX
Consumer complaint received 2022-07-19
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. (NJ)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX Accounts # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights 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 2021-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX XXXX stopped at the Bank of America in XXXX, California to use the ATM to make a credit card payment using cash since it was after business hours. I put in {$2200.00} in the machine which counted the currency and returned {$100.00}. When it asked if Id like to insert more bills I reinserted the {$100.00}. The machine froze and started repeatedly beeping. Once unfrozen the ATM screen showed We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I called the 800 number and submitted the claim and was told to expect a resolution in 7-10 days. I called the branch at opening XX/XX/XXXX and was told they didnt need to file anything or be informed after the claim had been submitted to the 800 number. I did not receive a response and followed up XX/XX/XXXX and was told that the new resolution would be XXXX XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was told that the claim was closed and then transferred to the billing dispute department and was told that the claim is still open and ongoing and can take up to two months.
Consumer complaint received 2022-07-19
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)

I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/22 and XX/XX/22 )
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OR)

My name is XXXX XXXX. I had made a purchase of a product worth {$32.00} at Sephora 's store in XXXX, XXXX XXXX. While making this purchase, last year in XXXX, I was told that if I apply for a store credit card, I will receive some discount and I will only be paying {$24.00} for the product. I applied for the credit card and paid the amount using my other card but never received the Sephora 's card. Few months later, I started receiving calls to pay the money {$32.00} with some late payments that showed on that account. I got to know that store people had messed up and they had charged me twice for one product, once on my personal credit card and second on Sephora 's credit card. I refused to pay the amount because I had already paid the discounted amount {$24.00} for the product using other card. But then Comenity Bank and Sephora Visa Credit card people didn't help me resolve it even after raising a dispute. They closed the first dispute without resolving it. Then I had to raise another dispute which takes upto 90 days for them to review and that {$32.00} kept accruing late fee on it. Finally, after so many conversations with Sephora customer care, I was suggested to pay {$150.00} total due balance on my account and then raise a dispute, so I did that. I paid that amount to stop having more late payment fees on it and raised another dispute. I was then asked to submit proof of payment, purchase receipt, a letter explaining the issue, bank statement. I did send those to the dispute po box for Sephora. They refunded {$150.00} in XX/XX/2024 to me. My balance got to {$0.00} balance after this but now it again shows the balance due of {$150.00} on my account. When I called the customer care, a representative named XXXX, behaved very rudely and said they're charging me for the money I borrowed when I constantly tried to explain to him that it was a refund of my money. Then I was transferred to some other agent and she told me that refund was a mistake on their part. The person who issued refund, wasn't supposed to and that's why they have this balance for me again. She also said she will send this over to their dispute department and only if it is approved by them, she will modify my balance. Otherwise, I am again liable to pay them the false charge of {$150.00} on XX/XX/2024. I have been mentally harassed by tons of calls from Comenity Bank. I have been spending hours with customer care at Sephora for months now. I request help from Consumer Finance to help me resolve this before that date. Thank you.
Consumer complaint received 2022-07-19
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/XXXX on XX/XX/XXXX The companies in question Experian XXXX XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ Inquiries 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 XXXXXXXX blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts Experian had 30 days to remove BELOW XXXX  XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to Experian Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-07-19
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/XXXX on XX/XX/XXXX The companies in question XXXX XXXX Transuion All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also Transuion and XXXX blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from XXXX. I have attempted to remedy this issue with Truist, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to Truist for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, Truist continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.