davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC (CA)

( XXXX XXXX/XXXX  or Clear One Advantage ) On XX/XX/XXXX I received a phone call and email from XXXX  XXXX. I called back and was advised he was gone for the day and he would attempt to contact me back. Never received response via email or phone. I called back on XX/XX/XXXX and was on the callback list. The lady I spoke with May have stated her name, but I do not recall. Nevertheless, she stated she was my account manager and proceeded without verifying to WHO she was speaking with. Immediately after the call I emailed XXXX. Received no response. After that I emailed the company customer service twice and still received nothing. I advised I would contact the XXXX  and the CFPB for the lack of professionalism and lack of verification.XXXXI was also previously advised to put a stop payment in the month of XXXX through my bank I have ACH setup with and they NEVER said they would give me an NSF fee. I advised the agent I will not be paying it and they attempted to get it waived but their Supervisor denied me. 

I also attempted to remove my account from ACH and they said they are unable to. I feel that that is misleading and a violation of UDAAP. 

I definitely believe their lack of customer service and being courteous to their customer is horrendous and they definitely should be audited.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My account was closed without my permission and I have not received any correspondence from capital one regarding why my account was closed. I made on time payments and was still making payments to the account. I learned my account was closed when I tried to use it for a gas purchase after paying the bill and I was informed my account was closed when I called in. 

Account number XXXX
Consumer complaint received 2022-07-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was scammed with a job ( i now know it was a fake job ) where i was supposed to help manage the money, there was even a contract i had to sign for this job. I was sent a check in the mail and was supposed to deposit the check, then send it to the product supplier. I cashed the check, it went through, then sent the money through XXXX. the next day Bank of America decided the check was bad so my account was charged back {$3500.00}. I immediately contact them to report that i believe i was scammed, and they told me the check was counterfeit. They then made me way 3+ weeks ( i was told 10 days ) to tell me that they couldnt do anything about it and that it is my fault and i have to pay it, but they have 45 days to try and contact the institution the money was sent to. I have called several times and have gotten no resolution, even though i only had {$200.00} before the scam. I am a recent XXXX XXXX and havent been able to get a job all summer until 2 weeks ago, but its only part time and barely enough for groceries. Im literally XXXX  and had to move in with my in-laws since my husbands job contract ended and he is without a job also, and after explaining this to the BoA rep XXXX she wanted to connect me with someone to set up payments for the {$3500.00} that was scammed from me. XXXX is advertised as safe, and the check was cleared according to my merit with BoA ( per the recent agent i spoke with who was very rude ). They obviously werent protecting my account and now they refuse to help and wont even give me resources to find help. the claim number is XXXX I have included a few screenshots of the people involved in emailing me to scam me. There was a lot of correspondence with them, so I tried to include key messages from them.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (LA)

I contacted NAVY FEDERAL CREDIT UNION about the compromising of my ssn of which accounts were fraudulently opened in my name. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX in which I have provided the company along with my dispute. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states that these accounts must be removed within 4 Business Days of receipt. The company has yet to remove and block these items which are fraud and which are violating my rights.ALSO, I also want to add that this is an ongoing issue as the referenced accounts were deleted and blocked and then re added by changing information on the alleged debt. I would also like to add that the company is changing information on the debts such as amounts and account numbers just to add the debt back which is in violation of my consumer rights. The following accounts are as follows 1.NAVY FEDERAL CU {$16000.00} XX/XX/XXXX original account number reported as XXXX now reporting as {$16000.00} XXXX 4.NAVY FEDERAL CU {$1700.00} XXXX original account number reported as XXXX. Now reporting as closed no payment due and account number XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank/BJs has placed a hard inquiry on my XXXX credit report on XX/XX/22. 

I did not apply for any credit on this date, and have had an account in good standing with this company for many years. 

I called Comenity Bank, and they referred me to XXXX. I called XXXX, and they referred me back to Comenity Bank. Neither entity was willing to assist me. 

This hard inquiry has dropped my credit score by XXXX points, and is very damaging to me. 

I would like this inquiry removed, as it should never have been initiated in the first place. 

Comenity also needs to update my current balance with all 3 reports, which they have not done since XX/XX/22, so they are showing a balance due that has already been paid to XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I upgraded my XXXX  through the XXXX XXXX  XXXX  offered by Citizens Bank a few times over the past year. It is my experience that opening a new XXXX XXXX  XXXX  loan would result in a soft credit inquiry, which provides Citizens Bank access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of Citizens Bank that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my XXXX credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my XXXX credit report ( and other credit bureaus if any were affected. )
Consumer complaint received 2020-07-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$0.00}, {$11000.00}, {$0.00}, {$6900.00}, {$1200.00}, {$4800.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

8. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (AZ)

I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it. 
The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due. 
With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

XXXX I took a loan for XX/XX/XXXX for school withXX/XX/XXXX and ended up with navient ..I took out a high loan and paid it off just to start having credit im cure toy paying this loan off to my banks please help. I completed the task but it was my own hard work that got me where I was I gave up being a XXXX  no longer in the profession please help
Consumer complaint received 2020-07-12
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. (FL)

XX/XX/XXXXXXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XX/XX/XXXXXXXX XXXX Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke withXX/XX/XXXXXXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
Consumer complaint received 2022-07-30
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-17
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$800.00}
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (OH)

There's is a derogatory mark on my credit report with XXXX Opened On XX/XX/2018 XXXX XXXX XXXX XXXX  in XXXX, OH reported a balace of {$6000.00} on my credit which I believe it was as a result of an identity theft. I have never lived in that apartment or neither have I sponsored anybody to live there. As a result of that Fabco  ( Debt Collection Company ) has been harassing me to pay the amount in full that I dont have any knowledge of. 
Fabco contact info XXXX XXXX XXXX XXXX OH XXXX Hope to see my credit restored as soon as possible l. 
Thank you
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please! 
Thank You,