davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

When I saw my credit report this morning, I was shocked to discover inaccurate accounts. I check my report often, and it's never been an issue before, but today, there were discrepancies that caught me off guard. I thought maybe it was a browser error, so I refreshed the page, but nothing changed. Now, Im requesting that my submitted documents are thoroughly reviewed to ensure this problem never happens again.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2023, I purchased two plane tickets from XXXX XXXX. Each ticket cost {$350.00}. I attempted to pay for the tickets using {$290.00} worth of flight credit ( each ) and the remaining {$60.00} ( XXXX ) on my American Express card. Instead, XXXX XXXX charged the full amounts ( two separate charges of {$350.00} ) to my American Express card. 

When I noticed the error, I attempted to call XXXX XXXX several times. I spent several hours on hold but was never connected to a live person and therefore unable to resolve their error. 

My next step was to dispute the charges with American Express. Since XXXX XXXX charged the two tickets separately, I created two disputes, one for each charge. In each dispute, I explained what I have explained here : that I was only supposed to be charged {$60.00}, not {$350.00} for each ticket. I included receipts and screenshot to support my assertion. 

XXXX dispute was immediately resolved in my favor and the amount of {$290.00} was correctly credited to my account. 

The other dispute, although it contained the exact same information as the first, was not resolved in my favor on the basis that " the amount billed is correct and there is no billing error, we have no basis to contact the Merchant on this matter. '' The amount absolutely is NOT correct. There IS a billing error. And they have every basis to contact the Merchant ( if they can even get ahold of them ). This goes to show that they did not even read the content of the dispute or review the information I attached as evidence. It does not make sense that for two identical disputes, one was appropriately dispositioned and the other was clearly not even read.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

I have had a disgusting experience with citi bank. I was asked to verify my identity with citi bank and I did, I provided all government documents and I was able to login again but I stopped using citi bank card because the card was horrible it didnt work more times than I can count so I logged in again and tried to tell a representative but they told me that I once again have to verify my identity for absolutely no reason AGAIN. Everyone that works with citi bank is terrible. I get into my account and I find unauthorized deductions from my account for a check fee yet I have never touched a check from these people and so I brought it to a representative the quarter wit wanted to play like it wasnt there and I wish I recorded every single one of their call with me. I left the account alone because I was so ready to just head to citi bank extremely aggravated. I come back to my account to see that according to new updates to citi bank I no longer have any overdraft fee charges but these people still want me to give them money so none of this made sense, I check my statements to see that I owe nothing and they keep messing with me still! Every time you get on the phone with these people they force you to just between several departments and several different numbers, everyone that works there needs to be fired for lying and horrible help. I made sure to take screenshots of the proof and only when I found out I owe nothing these people closed my checking account to hide
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (CA)

XXXX card did a hard inquiry in my credit without my permission when I called to get my credit limit. Hard inquiries stay in your credit for at least two years. I tried to dispute this unlawful issue through Experian which deters you from disputing hard inquiries by making them practically impossible to report. After waiting on the phone, i was told by Experian employee XXXX ( no other info given ) that only inquiries as a result. of identity theft can be disputed so obviously Experian credit agency is in league with the bank against the consumer. They can not allow banks to report hard inquiries without customer permission. The CFPB is a toothless agency that will pretend to side with the consumer to continue on the federal-virtue-signaling-politically correct dole at tax payers expense
Consumer complaint received 2022-10-20
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: The Hallstrom Law Firm PLLC (AZ)

On XX/XX/XXXX I filed a dispute with XXXX to properly report payments made to The XXXX XXXX XXXX. I provided receipts for all of the payments I made each month. I also contacted the law firm the same day I filed the dispute to request that they contact the credit bureaus and accurately report the original amount I owed which was {$6900.00} from a car loan debt I co-signed for that my daughter defaulted on. I requested that payments I had been making would be reflected on the report which they said they would take care of. I have been paying the creditor {$200.00} a month since XX/XX/XXXX and this was not reflected in the law firm 's nor XXXX 's reporting of the debt. On XX/XX/XXXX I was notified by XXXX the dispute had been resolved. A report was generated on XX/XX/XXXX claiming the information reported was verified with the creditor and updated. However, the balance being reflected as of today is still inaccurate, showing a total owed of {$11000.00} which is a far cry from {$6900.00} and the amount I agreed to repay. Also, the {$200.00} payments I have made still aren't reported as paid each month. In fact it shows a recent payment of {$200.00} but the balance hasn't been reduced by the amount I've paid so far as it still shows the original balance owed which is inaccurate. Today I attempted to file another dispute with XXXX because the account is showing past due as of XX/XX/XXXX which is also inaccurate. XXXX will not allow me to file another dispute for the same issue they are claiming is verified and resolved. Please help!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2022 I used MoneyGram International to transfer {$1400.00} USD to my husband 's XXXX XXXX XXXX XXXX  account in XXXX. MoneyGram promised delivery no later than XX/XX/2022. The money was not delivered and still is not delivered on XX/XX/2022. 

MoneyGram refuses to provide any information as to where the money might be. The only thing they propose is to initiate an investigation on XX/XX/2022, a process that take up to 90 days. Even if I request a cancellation, the funds will not be refunded before the investigation concludes. 

Therefore, I could be out of this money for more than 100 days which is an unreasonably long time. Both the receiver and I have had numerous telephone conversations with MoneyGram since XX/XX/XXXX, receiving conflicting information from the agents. At the same time, the automated tracking message states " funds are available ''.
Consumer complaint received 2023-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

EXPERIAN continues to violate my federally protected right to ensure an accurate credit report per 15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. EXPERIAN prevented me from disputing inaccurate balances on the following accounts : XXXX. ACCOUNT NAME : XXXX XXXX  XXXX. ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NAME : XXXX XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  These accounts DO NOT include the correct dollar amount WITH the cents. EXPERIAN continues to negligently and recklessly report inaccurate account balances on my credit report. EXPERIAN refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and XXXX systems. EXPERIAN has lowered my XXXX credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my XXXX credit score. EXPERIAN continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. EXPERIAN continues to send AI generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. 

EXPERIAN 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. I sent EXPERIAN no less than SIX ( 6 ) letters and called approximately four ( 4 ) times to have the inaccurate and nonmailable addresses removed, yet EXPERIAN refuses to comply. EXPERIAN would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process EXPERIAN uses to justify their inaction. EXPERIAN refuses to produce such documentation. Thus, EXPERIAN negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Consumer complaint received 2023-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Central Mortgage Funding, LLC (VA)

Central Mortgage ( https : //centralmortgagefunding.com/ ) is giving knowingly fake loan quotes in a bait-and-switch operation. 

Company made unsolicited calls to me in early XX/XX/XXXX offering a home loan, apparently prompted by a credit pull by another lender. 

On XX/XX/XXXX, company offered a 30 year loan with a 7 year arm, 0 points, for 5.0 %, and a 30 year fixed loan for 5.875 %, 0 points. Confirmed in a PDF. 

I requested a loan estimate. They declined. I declined further dealings. 

Company continued contacting me. 

On XX/XX/XXXX, company again offered 5.0 % 7 year arm, 0 points. Again this was sent to me in a PDF that day. Twice. 

On XX/XX/XXXX, I informed them I had gone with another lender, since they were unwilling to provide their quote in a formal loan estimate. Company responded that they would be willing to try to beat that other lender. I invited them to do so, but that it needed to be in a formal loan estimate. 

On XX/XX/XXXX, Company responded " the best pricing I could find for you isa 5/6 ARM loan option with 6.625 % APR With you buying down 2 discount points. '' I inquired why the difference. In 5 days, with no additional information, the quote went from 5 % for a 7 year arm, 0 points, to 6.625 % for a 5 year arm, 2 points. 

On XX/XX/XXXX, Company responded : " So the First option I quoted you for was a typo I apologize it should have said 6.0 % APR. '' A typo can not account for receiving the same quote 3 different times. Even if true, it does not account for a change from a 6 % 7 year arm with 0 points to, just 5 days later, 6.625 % for a 5 year arm, 2 points. There was no notable change in market conditions in those 5 days. 

This Company has multiple reviews online indicating that their quote had changed midway through the loan process. The above fits that mold. 

This is harmful to consumers.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00}
Consumer complaint received 2022-07-18
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. (TX)

Experian continually ignores my request for dispute and ignores my comments about being a victim of identity theft. I sent Experian an FTC Identity Theft Affidavit which I am allowed to do per my consumer rights. Experian not only allowed fraudulent inquiries, Experian continues to report a fraudulent account on my credit file as well. Experian states they verify the information with the data furnisher. However Experian couldn't possibly verify it with the data furnisher because I never received the account nor ever signed any application. I did not register the accounts and I did not receive any monetary transactions from these account 's. My wallet was stolen and my identity was used fraudulently to obtain these account 's. I do not know who the thief is, and I do not know who obtained the information. I have made it clear and in detailed my victim statement. My Social security number was used without my permission to obtain these account 's and or apply for these account 's. The companies involved DID NOT Clear my extended fraud alert before opening these account 's and Experian states they verify information however the company confirmed they didn't clear my alert. These are Extended fraud alerts / victim statements that the company chose to ignore. 

Fraudulent Accounts - XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$2200.00} ENTIRE BALANCE and account fraudulent no application was submitted no application was signed. 
Date Opened - XX/XX/XXXX XXXX XXXX Bank {$590.00} Balance Date opened XX/XX/XXXX. No contact information account never applied for fraud alert wasn't cleared nothing was obtained no card was received. 
XXXX XXXX XXXX  XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX Fraudulent application loan never received no proceeds were received opened by thief. Company was notified. 
XXXX XXXX XXXX Date Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX The accounts listed above and inquiries were the result of identity theft. This information is not to be collected upon as I am notifying you of my dispute. These are fraudulent applications, There is an extended fraud alert on my credit file the creditors ignored. I did not receive any cards or proceeds from these account 's.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (GA)

AN INDIVIDUAL OPENED A CREDIT CARD AND MADE SEVERAL INQUIRIES IN MY NAME USING MY SISTERS ADDRESS. THE PHYSICAL CARD WAS SENT THE CARD TO ANOTHER ADDRESS I AM NOT FAMILIAR WITH AT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2021-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America I have been fighting with their your fraud department for weeks and no one can figure out what is going on Bank of America Took a credit card application from someone that stole my identity in early XXXX of 2021 On XX/XX/XXXX, I faxed over the request for the application because I am in the mortgage process and need this resolved On XX/XX/XXXX, I called the fraud department and they admitted they made a mistake and instead of mailing it to my address on the request form, they sent it to the person that stole my identity address and put my personal information out there again On XX/XX/XXXX, I called again and the Fraud Department because I didnt get it and I am about to be declined for a mortgage because of this XX/XX/XXXX - Received a call from XXXX XXXX XXXX Bank of American corporate office after I emailed the CEO about the issue. He assured me I would get the information XX/XX/XXXX I received a call from Bank of America Executive Resolution Office that I would get the credit card application and things would be fixed XX/XX/XXXX I get a call from XXXX in the fraud unit stating they didnt have any requests from me and that I needed my police department to call to XX/XX/XXXX - I spoke to Executive Resolution Office ( XXXX XXXX XXXX telling me they had the request and try to get the report from fraud department XX/XX/XXXX - A call from Executive Resolution Office ( XXXX XXXX XXXX asking for a copy of the report I submitted and the fax receipt and I sent it to her XX/XX/XXXX - I received a partial application the identity theft person submitted for a credit card, but it was incomplete and Bank of America violated by right by not providing a complete report and by accessing my credit report without a full and complete application ( I think the have it and are just not providing it ) Bank of America was in the wrong, they violated my rights and still have not complied in full to send me the information that they must have received to run my credit for the pepatrator Please help me get this resovled in full
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.