davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, Experian and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I made a transaction of {$600.00} on XX/XX/year> from my bank to another bank with XXXX however the other party never received the {$600.00}. I contacted my bank to inquire about my transaction and why it was not received on the other end and my bank verified and confirmed that the {$600.00} was processed and distributed from my account even though the other party didnt not receive it. My bank advised me that there was nothing they could do in their end but to call the other bank I sent the money to. I told my bank that since I use XXXX through the Chase app that they should be held responsible for my mone.So the other party contacted their bank and received a letter from their bank stating that there was no money deposited. Furthermore I contacted XXXX and XXXX told me that I would have to contact my bank to dispute the issue because since the transaction was made through my bank using XXXX and not through the XXXX app there was nothing that they could do. I filed a dispute with chase bank and again received the letter stating that there was nothing they could do. Its been more than 10 months and we have not received a credit of {$600.00} dollars and the other party has not received any money either. Nobodys been able to help us with this issue we just keep getting the runaround.I would like to have my {$600.00} deposited back to my account or to the party that was transferred to. I appreciate your help in this matter. I have letters from all parties involved on this issue as proof. I hope to hear from you.Thank you.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went into a local banking facility the week of XX/XX/2020 to have my name changed on my checking account and Debit card .I was sent an ATM card as the replacement for my debit card. I called customer service and stated that I was unable to access my account and was told by XXXX from Texas that I had been sent ATM Cards X 2 and she needed my permission to reissue my debit card in which I gave verbal approval .I was sent the card but when I attempted to use the card it declined. I called Customer service again and spoke with a XXXX who stated he would get my account reopened.. After speaking with XXXX I started getting Emails stating that my card was declined and this I could not understand because I had over XXXX in my account. On Friday XX/XX/XXXX my account was reopened by XXXX and was informed that I would receive a call from her supervisor XXXX, This never happened. I called customer service as I have yet to be able to access my account.I spoke this morning with an XXXX stated that he was communicating with the Supervisor XXXX and she was working to get my funds available, About XXXX I went to the local branch to see if I could be helped and they told me to call Customer service again to reopen my account because I have direct deposits that will be floating because how I am being handled that is no fault of my own.I am currently on the phone with a XXXX who is assisting to get my account reopened -This is  elderly abuse at it worse also I am recovering from XXXX XXXX XXXX OnXX/XX/XXXX.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a dispute with Capital One Visa for a purchase of knit pants and a top for {$450.00} on XX/XX/2021 on XXXX. 

On XX/XX/XXXX, I received a rejection letter from Capital One with no clear explanation. When I called customer service, I was told the reason for the rejection is that Capital One can not rule against a merchants refund policy. The refund policy was clear : the items were not eligible for a refund because they were knitwear. 

However, the merchants refund policy is not clear. On the one hand, it says full priced merchandise is eligible for a refund, and discounted goods are not. The items I purchased were full priced. On the other hand, it says items which would normally be eligible for refund because they are full priced, are not, if they are XXXX XXXX and they are part of a temporary pop up. But when a consumer looks on XXXX for a XXXX XXXX pop up, there isnt one. There is no other knitwear offered on the site, but if there were, the policy goes on to say, they would not be eligible for a refund. Since the items I purchased were XXXX XXXX, not other knitwear, and not in a pop up, I assumed the exception to the refund policy did not apply to me. For all I knew, given the temporary nature of pop ups, there used to be a XXXX XXXX pop up and the merchant had taken it down from the site. 

Normally, a reputable, well-designed e-commerce site is clear about any exceptions, or about special categories, such as pop ups. For example, if the goods are part of a pop up, it will say pop up on the product page. That is how other luxury clothing sites use such triggering terms. I cite the example of XXXX, which has a XXXX XXXX XXXX on its site. 

I believe I was deceived by a XXXX word exception-laden refund policy, a badly organized e-commerce site. I am disappointed Capital One has returned my funds to the merchant after originally issuing me a credit, even citing my case as compelling. I returned the goods to the merchant. They offered a credit voucher, which I do not want, or believe is fair. 

My understanding is that disclaimers on goods must appear somewhere on an e-commerce site, at very least, next to the product. The consumer should not have to go to a hyperlink to find important qualifying information, as this merchant requires here. Qualifying information should be prominent ( according to the FCC ). The merchant in this case failed to convey the importance, nature, and relevance of such qualifying information, misleading me into making a purchase I would not have otherwise made. I believe this is deceptive of the merchant, and an abuse of consumer trust. I appreciate your attention to this matter and look forward to your feedback.
Consumer complaint received 2023-06-10
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. (VA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 

Also, they are not in compliance with metro 2 credit reporting.
Consumer complaint received 2023-03-23
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. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Since I filed a complaint with CFPB last year I have been retaliated against by Comenity Bank. I had two credit cards three years ago paid in full never late. They closed them because they stated fraud was reported ... not true! Like I said I paid the accounts that I had never late. In fact they stopped reporting that to my creditors and the law states they have to report to credit reporting agencies for 10 years so right there they are currently out of compliance. Any time I would apply after the fact they decide to decline my application stating a bogus response. I believe they have black listed me because of a previous complaint.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I received an email alert saying I have a new document to read on my XXXX XXXX credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and was told they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my Victoria Secret credit card and my XXXX XXXX credit card. I need some advise on what to do
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CO)

I changed my phone number with Marcus on XX/XX/XXXX. Shortly after I was locked out of my account as a security procedure. I called them to verify that my phone number had changed and to submit a formal change on XX/XX/XXXX. The representative stated that I would have to wait 7-10 business days as the account was under review. I reached out to them again on XX/XX/XXXX to inform them that no one reached out to me in regards to my account. They transferred me from rep to rep to supervisor while stonewalling me and not resolving the issue having me verify my information repeatedly and asking security questions from public information. how is that secure!!! I spoke with a representative supposedly from Marcus that told me that they needed to verify my external account. This was after I had already made multiple deposits and withdrawals to this account. Furthermore that same representative took the liberty to change my address to an old address in OH that I hadnt lived at for years. This was done without my consent. The business continues to refuse to update my phone number and continues to stonewall me about the phone number change. The business has made NO efforts to verify my account despite multiple security questions. The business has had me speak with individuals that are not employed by Marcus in attempts to gain access to my personal information, having me change my email password and Marcus password. On XX/XX/XXXX, I spoke with two representatives, XXXX and XXXX both of whom instructed me to change my password while on the line with them. XXXX had me do this on XX/XX/XXXX. She made unauthorized changes to my account then She ended the call after changing my information to the incorrect information, including a change to my secret word that I did not authorize. I have a phone record that I spent over 3 hours on the phone with Marcus staff and representatives while the put me on numerous holds and continued to feed me inconsistent information. They took no accountability for the errors and changes made by their representatives. All of there calls are recorded and should be pulled to show the lack of security, care, and protection of my personal information. They are holding my funds hostage during a cross country move.
Consumer complaint received 2020-07-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (WY)

Fed Loan Servicing no longer services my loan. Fed loan was included in chapter XXXX bankruptcy. I have a new loan servicer for my loans. Fed Loan is still reporting on my credit report XXXX as negative information. This has effecting me from getting any type of credit. The balances on the account are XXXX dollars and there still reporting late.
Consumer complaint received 2020-06-03
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. (FL)

Hello, I have sent numerous letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. 

I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and that they send me that 'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. 

They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by the company that reported the information has certified to Experian that the information is accurate. The same responses are sent back to me as a generic answer to my request about validating the Chapter XXXX BK that is reporting under my credit report.. They never indicate the method of verification that was conducted with whom they identify as 'The Company '  who certified the accuracy of the Chapter XXXX BK. Who was the company, contact name and phone number? I could not even get an answer after a entire year of requesting this information. 

Experian has failed to legally validate the Chapter XXXX BK reporting on my credit report. They have no mention as to who validated the information to be accurate. 

Under the Public Records section of my report, they indicate that Public Record items from courts that Experian may have obtained through a 3rd party known as XXXX XXXX. My Consumer Report with XXXX is frozen and has been for quite some time for identity purpose, so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida ' asking how such information is validated with XXXX XXXX   and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. 

Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

Wakefield & Associates had a judgment against me. I filed Chapter XXXX Bankruptcy and was Discharged and they have failed to notify the court that I was discharged and the judgment is still showing up on my credit report. When I spoke with this company they told me it was not there job to tell the court. They also stated that I still owe the debt and can make a payment to them. No I am not making no payment this why I had to file chapter XXXX.
Consumer complaint received 2022-04-11
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2020-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The account is permanently restricted according to a message in the app. It has an account balance and recent deposit {$2400.00}. I received cyber bullying messages. My account and SS # has been accessed fraudulent. I'm patronized by the representative s I speak with XXXX. It's a Capital One debit MasterCard 360. I have XXXX credit cards with Capital One.