davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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. 

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I opened a new card ( number ends in XXXX ) with Citibank in XX/XX/2024. I made a {$3000.00} balance transfer due to a 0 % interest rate promotion with a {$90.00} balance transfer ( {$3000.00} balance ). During XXXX, I made purchases on the card which have a 19.24 % interest rate. The statement closed on XX/XX/XXXX, and received my statement that showed my purchases up to that date of {$1100.00}, but on my XXXX statement it did not show this amount subject to interest rate, it showed {$0.00} for purchases and {$450.00} for balance transfer. My minimum payment was {$43.00}, which I paid on XXXX XXXX. I made additional payments on the card from XXXX XXXX for a total of {$340.00}. After the purchases were posted to my account, I called Citibank on XXXX XXXX to ask for information on making an additional payment of {$1500.00}. The Citibank representative informed me that my minimum payment would only apply to the lowest interest rate charge which was the balance transfer. I asked him if I made an additional payment of {$90.00} and {$1500.00}, would the {$1500.00} be applied to the higher interest rate charges to which the representative affirmed it would. So, I made two payments on XXXX XXXX of {$90.00} and {$1500.00} assuming these would cover my higher interest rate charges and little bit of the balance transfer. I received my XXXX statement on XXXX XXXX after it closed XXXX XXXX, and I was charged {$5.00} in interest. Additionally, the statement stated that {$340.00} in purchases and {$2700.00} in balance transfer was subject to further interest rate charges ( 19.24 % for purchases, 0 % for balance transfer ). I called Citibank today XXXX XXXX to resolve this. They stated they would remove the {$5.00} interest claiming it was a technical issue, but they refused to apply the previous payment of {$1500.00} to any of the {$340.00} because they were posted to this statement. I was provided incorrect information from the bank on the XXXX XXXX call, and they failed to apply a payment to higher interest charges, which in my view was done to make more money. They informed me to check back in XXXX business days as they stated they will find and review the recordings of the XXXX XXXX phone call.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CT)

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (OR)

I was contacted by Nationwide Credit Inc about an XXXX XXXX card and fees on it which was not opened by me or charged by me. I already called XXXX XXXX about this issue. I therefore asked already to please remove this from my credit file. Please review nd remove this false information as I did not open or operate this account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-09
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. (KY)

Equifax breached the fair credit at the law and I have a written letter from a company being that based off of Equifax actions I want my Equifax credit report locked ASAP. Equifax dont have my permission to change nothing on my account until arbitration has ended. 

Im requesting arbitration within a reasonable timeframe based off of Equifax actions Pertaining to my Credit Report I have written documentation as evidence Equifax dont have my permission to contact none of my lienholders none of my credit card company Im requesting arbitration ASAP Im gon na sue you. Im gon na contact my lawyer today. I want my account locked.
Consumer complaint received 2021-01-22
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. (GA)

I have been disputing a bankruptcy that EXPERIAN has been reporting on my consumer credit report since XX/XX/XXXX. I have sent them multiple letters disputing the alledged bankruptcy explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company XXXX XXXX XXXX XXXX. I pulled my XXXX XXXX consumer report on XXXX to view the report, Under section XXXX, which is the public records section, there is no bankruptcy listed on my consumer credit report. On XX/XX/XXXX, I sent Experian another certified dispute letter with supporting documentation, showing that there is no bankruptcy listed on my XXXX XXXX consumer report. On XX/XX/XXXX, I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. Complaint # XXXX. Experian responded by stating that no action was taken because they could not verify my identity and by insinuating that they believed I was possibly using a credit repair company. In every letter, I have sent to them I have included a copy of my XXXX state driver 's license and a copy of my social security card. After receiving the response from Experian in regard to XXXX # XXXX, I sent another letter requesting the items be deleted and enclosed a notarized copy of my social security card, XXXX driver 's license, military common access card, my US passport, and a copy of a utility bill from XXXX power, with my name and correct address as proof of my identity. On XX/XX/XXXX, I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever  it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Consumer complaint received 2021-01-22
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: CITIBANK, N.A. (NY)

I ordered a pair of shoes on XXXXXXXX back in XX/XX/XXXX for XXXX. Was sent a pair of shoes on XX/XX/XXXX that were supposed to be shipped to someone in Texas instead, when I live in New York. I called customer service to send a replacement for my order and the correct shoe shipped in on XX/XX/XXXX. I returned the shoe through mail on XX/XX/XXXX that cost XXXX  since it did not fit, but never received the refund. Contacted Bloomingdale 's customer service through email and phone multiple times with responses on their end saying they received the product back, but no one was able to credit the money back onto my credit card. Disputed the charge with Citibank for the amount of XXXX  on XX/XX/XXXX since Bloomingdale 's was not crediting me back. Citibank contacted the merchant XX/XX/XXXX and Macy 's responded to the dispute on XX/XX/XXXX saying " We are providing an online order and pod. The customer reported the original delivery as not received. A reshipment was processed. The reshipped merchandise was delivered on XX/XX/XXXX at XXXX by XXXX  and received by XX. The customer received the merchandise as an even exchange and was only charged once. No credit is due. '' I returned the item through mail back on XX/XX/XXXX with a traceable tracking number back to Bloomingdale 's saying it arrived at their facility XX/XX/XXXX, but they are not addressing the fact they received the item back. On XX/XX/XXXX Citibank concluded that I am responsible. I emailed documents on XX/XX/XXXX and XX/XX/XXXX to Citibank 's dispute email address including information from Bloomingdale 's website and emails where I contacted Bloomingdale 's customer service stating they received the item. After submitting the document, Citibank reopened the case on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent a letter to me stating " We previously requested necessary information from you concerning this dispute. We did not receive a valid proof of returned confirmation email from the merchant. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. We now consider this investigation complete. '' Citibank is unwilling to handle this case and told me to contact the merchant instead again. The merchant is not providing proof of my return because they are stealing money from me and Citibank is siding with the merchant to commit fraud together. I tried contacting Citibank 's dispute center through phone calls, but my call was cut off every single time. An agent says they will transfer my call, then the call ends immediately afterwards. Citibank does not want people sending photographs or smartphone pictures as proof, but yet they are pushing everything to become accessible through their mobile app. They are using every method possible to push the blame to the customer instead.
Consumer complaint received 2021-01-22
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Thanks we have an account with capital one bank credit card number XXXX and we sent an total of {$950.00} XXXX XXXX and XXXX XXXX dollars for the account, but instead we never used any of the funds and in fact we was locked out of the account for 4 months now and the crooks are still not giving us our money. I think they misplaced the funds and one of the supervisors told me to sue.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Financial Institution : HSBC.

I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ). 

The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund. 

They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent. 

I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.
Consumer complaint received 2022-11-18
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. (IL)

On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 )
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

my complaint is against Capital one, in XXXX  I had a small cell phone business and an account to manage it with capital one several years earlier, but there was a time when the business income dropped drastically, and there were some payments that I could not complete, but Capital one instead of rejecting a single transaction which had no fund, left all the transactions that I was doing in process and then charged overdrafts for each of the transactions and that is how they came to charge me 5 or 7 overdrafts per day and In the course of less than a year they charged me {$7500.00} in overdraft, that contributed greatly to ending my small business and my health, my complaint is because I think that something like this must have a limit so as not to suffocate people.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I have for some time disputed Jefferson Capital about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on XXXX XXXX XXXX and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Jefferson Capital decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Jefferson Calital was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Jefferson Capital that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.
Consumer complaint received 2021-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have escrow with Lakeview Loan Servicing , LLC, sub. via XXXX, that was supposed to pay my XX/XX/XXXX taxes on time. XXXX XXXX I received a statement from county tax collector XXXX XXXX that it was not paid, and would be delinquent XX/XX/XXXX. I had to call XXXX 4 times, and email on XX/XX/XXXX, XXXX, XX/XX/XXXX and today, XX/XX/XXXX. After what seemed like a babysitting process, we finally got confirmation that our county taxes were paid late XXXX XX/XX/XXXX XXXX which will affect my tax return for XXXX. I was assured during my conversation on the phone XXXX XXXX that all taxes would be taken care of. Now today XX/XX/XXXX, I receive another notice that my city tax was not taken care of. Yet again, I am having to call and find out what is the cause of this negligence and delinquency. When I finally get someone on the phone, I am put on hold for 40 minutes, then transferred to someone else who doesn't even know what is going on, refuses to let me speak to someone higher, refuses to let me speak to the tax department of the loan company, and does nothing to resolve this issue, and proceeds to tell me my " taxes won't be paid today. '' Today is Friday - postal services are open ... and therefore this can be taken care of TODAY, as it is already past the original due date XX/XX/XXXX. The unprofessionalism, lack of urgency, care, and rudeness from this company is absolutely INSANE. This negligence needs to be looked into - it's amazing that specially during a time of COVID this type of negligence is happening. I am fully prepared to file all complaints possible and get attorneys involved if this continues.
Consumer complaint received 2021-11-20
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. (PA)

XX/XX/2021 I called Equifax to get them to remove a Fraudulent inquiry that wasnt honored. Im submitting this complaint attached with documents to support my request.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I received my regular direct deposit to my Chime bank account at XXXX pm. I was currently at home watching my son 's basketball game. At XXXX I transferred my funds from my checking to my Chime credit builder card. At XXXX am on XX/XX/XXXX, XXXX individuals hacked my account. They transferred the money from my credit builder card to my checking account and used the pay friends feature to transfer my entire direct deposits to themselves. At the time the transfers were made I was still sleeping. Once I woke up and saw these mistaken transaction I immediately contacted Chime as well as completed a police report. I submitted a dispute with Chime and a few days later it as denied. I started to send several messages via social media on XX/XX/XXXX as well and called Chime several times and spoke with 3 separate managers. On XX/XX/XXXX chime closed my account blocking access to all previous informtion and transactions. {$840.00} was taken out of my account by complete strangers and I need my money back. I hve XXXX children.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX  in XXXX GA 1 to Experian XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.