davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On Thursday XX/XX/XXXX capital one contacted me and unrestricted my account adjusted my balance but when i asked about the interest that was charged on my account for the XXXX weeks the balance was doubled from XXXX to XXXX they refused to give an answer. The rep then stated he closed my previous complaint but neglected to inform me that he opened a new one and restricted my account again. Gave no reason for the new case and requested I send identification documents drivers license proof of address bank, social security card statements and utility bills to an email upload request that doesnt state how they will ensure that my privacy and information will be secured and with al they security breaches they leave me subject to more fraud as my personal documents are being sent into an unknown location to an unknown person with no reason for why they require so many personal documents that are typically not shared even for a home mortgage. I gave the documents and he stated ill have to go back to waiting another 7-10 days for a response or next steps. My account was restricted for a new case no reason given and I cant stop auto pay or adjust payments, so no resolution was achieved yet the case was closed. Capital one appears to have done this to make the previous complaint go away even though they did not fix the problem or address the reason for the restriction. This is the 4th time I have called them in the last 8 weeks and each time a rep says someone will contact you in 5-7 day and no one ever calls back. They returned my call do to address my complaint but then closed the case and opened another case to continue to play games with the system and timelines to response to customer inquiries. They opened a new case to make themselves compliant with timeframes but they actually are not resolving the issue or abiding by their terms for disputes. THe restricition is just a way for capital one to force me to pay high interest rate for more than a year as i am unable to payoff the balance or do anything to the account and that is an unfair lending practice and then they make themselves unavailable so they can get away with it and play with dispute timeframes to continue to rack up interest.
Consumer complaint received 2022-08-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MA)

I was informed that refinancing my private student loan with Fed Loan Servicing ( Federal Student Loan ) would qualify me for the XXXX XXXX XXXX XXXX. I have been making on time payments since I XXXX XXXX XXXX XXXX XXXX  and have XXXX for a XXXX XXXX XXXX since XXXX to the present. I refinanced my loans in XX/XX/XXXX and my credit score was negatively impacted by over XXXX points. I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX and sent an updated one in XXXX of XXXX. I have seen a number of people have their loans forgiven in this time period in which they applied after I did. I now received a letter from XXXXFed Loan that my loan would be transferring to a new Federal student loan servicing company, XXXX. In the letter, it states that this transition may affect my credit score. I have been waiting patiently for an updated count on my public service loan forgiveness since XXXX. It is now XXXX and my loans are being transferred to another company and my credit score will be impacted again. I am unable to make purchases and receive good interest rates because of this. The public was told that in order to qualify under this new waiver in XXXX of XXXX that we had to refinance. There was no choice. I have done everything required and I know that my loans should have already been forgiven under the new waiver. I have called numerous times to Fed Loan Servicing and to XXXX XXXX with no information be given. They continually tell me that they have no further information for me and that I just have to wait. It would be ok if it was just waiting, but now it is impacting my credit so negatively that it is unfair to me as a consumer. I have also filed a complaint with XXXX XXXX and they were reviewing the complaint. I later logged on to check the status weeks/months later and it shows that it was closed, but there was never any email or feedback to me. This is extremely upsetting and concerning that there is no rhyme or reason as to the processing of Public Service Loan Forgiveness applications. Again, I originally consolidated in XXXX and filed in XXXX right after my consolidation. The state of XXXX  can verify that they have certified my XXXX  twice already and still no movement from Fed Loan or XXXX XXXX. I am very concerned that on XX/XX/XXXX my loan again is going to be transferred and my credit score impacted significantly. This has impact on future home buying ( mortgages ), car purchases, etc. I am hoping that someone can assist me.
Consumer complaint received 2024-10-16
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. (FL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX  - XX/XX/XXXX - {$60.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$580.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

American Express... 
Submitted my card to be closed for nonpayment. 
I had a XXXX balance. 
Asked to be sent the charges, never received them. 
When calling I have been given the runaround, on hold for hours. Saying its a different company and does not have access to that information, but am transferred and they answer as American Express. Very Odd.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was cashing a check to somebody and it was my first time cashing a check and I had sign the check with my name not knowing that it had to be the other person name and it had close my account saying I was doing fraud.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent numerous letters to TransUnion, XXXX and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (CA)

I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.
Consumer complaint received 2022-08-19
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$3900.00}
Consumer complaint received 2022-09-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Dear Sir/Madam, I am filing a formal complaint against CIT Bank XXXX 

This bank has been holding my hard-earned money ( in no-penalty CD ) since XX/XX/XXXX with the excuse of under security review or possibly by the overreaction of their system ( though I authorized my husband to discuss about my account almost during each phone call ). 

I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I have been unable to move my money since XX/XX/XXXX, almost one month. Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, being an XXXX, feel being discriminated by CIT bank. 

Until now, I haven't received a single phone call or email from CIT Bank -- for almost an entire month ( 21 business days have passed )! Until now, I have not received a single phone call or email from CIT Bank -- for almost an entire month. I have not been able to access and move my hard-earned money either. 

The bottomline is that CIT Bank can not and should not hold customer 's money during an emergency family situation -- worst ever seen!! 

XXXX
Consumer complaint received 2023-03-30
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. (MD)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-19
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)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage is inflating maintaince charges. They make up fraud each month that is more than my payment. eg Their lawyers fees : {$3000.00} ... .they charge me {$40.00} per week to drive by my house... I call them... they tell me ... '' Yes we are doing that ... ..because we can '' ... ..Please help me
Consumer complaint received 2024-10-14
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. (GA)

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 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 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 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 informationisinaccurate.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HW Holding, Inc (TX)

creditor did not have permission to contact my employer directly. I never gave them my email address or work phone info in a totally different state. 
I do not owe the original creditor ; yet they are still doing this repeatedly because of the actions of their own employee- who picked up the keys and fob of the apartment and had a party ( neighbors witnessed ). They then charged me with an additional month 's rent and cleaning fees. When I refused and provided proof I was accused of lying and that they should have never rented to " people like me, in the first place. ''
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

The account CB/VICSCRT XXXX with Balance Owed : {$0.00} is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Consumer complaint received 2022-08-19
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. Infiniti is incorrectly reporting to XXXX and I was never 30 days late on any of those payments around that time. I spoke with someone at Infiniti and made sure all my payments were good and they confirmed.