davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Re : Inaccurate Reporting of XXXX  Account XXXX Report Number : XXXX Dear XXXX Disputes Department, I am writing to dispute the inaccurate reporting of the XXXX  account on my credit report. This account is being reported inaccurately, and I request its immediate correction or removal. Additionally, I requested a 1099-C form from the creditor, but it has not been provided.

Under the Fair Credit Reporting Act ( FCRA ) Section 623, ( 15 U.S.C. 1681s-2 ), creditors have a legal obligation to report accurate information. By continuing to report inaccurate information, the creditor is in violation of federal law. I request that you investigate this matter thoroughly and remove the incorrect information from my report. 

Furthermore, I would like to bring to your attention that this same account has recently been removed from my XXXX credit report. I request that XXXX follows suit and updates my credit file accordingly. 

Additionally, XXXX has stated that they never received a complaint from the Consumer Financial Protection Bureau ( CFPB ). However, I have reviewed my inbox on the CFPB platform, and it clearly states that the company is still investigating the situation. This means XXXX has provided false information regarding this matter. I expect XXXX to act in good faith and correct this discrepancy immediately. 

Please send me written confirmation of your investigation and the actions taken to resolve this issue. I appreciate your prompt attention and cooperation. 


This version includes the mention of the discrepancy with XXXX statement regarding the CFPB investigation. Be sure to attach any related documents from the CFPB and any communication showing the investigation is ongoing.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital customer service to tell them I will be working in XXXX for most of year and need XXXX XXXX  code sent to international number. Agent indicated that not possible. 
I asked if she could verify me to get into account while I was on phone with her, she said only code to XXXX XXXX can open account (! ) All my banking and credit cards send code to international number I replaced in website or email to get code. 

Capital is so inflexible for XXXX XXXX I would like to urge management to be flexible for international travellers to get XXXX vis other means ( email or a non XXXX number In addition allow an email address for customer service to access because of time differences not easy to call Please resolve this issue as I have stopped using CapitalOne until more reasonable response is proposed. 

Please send me last two months XXXX XX/XX/2022 ) of my statements to me on line as I can not open to check my statements
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (FL)

On XX/XX/XXXX XXXX XXXX  my account was charged XXXX USD. 

I did not make this charge so I promptly called my XXXX technology company ( Chime XXXX XXXX ). 

They told me that I could either ( a ) contact the merchant or ( b ) wait for it to clear and file a dispute. At this time they were unable to provide information on the merchant and because I did not authorize the charge I did not know who the merchant was so i waited for it to clear. 

On the the XXXX the charge cleared and I reported as fraud orally ( on the phone, and filed a claim ). 

The claim was promptly denied on the XXXX. They did not tell me why and said that i could file an appeal ( rebuttal ) with supporting documentation. 

I did not have any info such as receipts because I did not make the charge. I requested the documents that they used in the denial as well as filing a cyber claims report with the FBI and sending the report to them. I was unable to file a local police report, because the local department required a current month statement and chime could not provide that to me. 

Chime did issue me a provincial credit on the XXXX after I had submitted the rebuttal. 

On the XXXX they sent me the documents they had used to deny the claim. 
These documents did not include some of the information required by regulation XXXX XXXX Including the type of transaction, name of financial institution that initiated the charge and the location of the terminal that the transaction was made at. 

The denial reason was that because I had used my card that day I was in possession of my card and no one else could of had access to my card information. 

They also made a false statement they stated I said a different card was used, When I had clearly stated that Someone else had made a transaction using my card information. These statements are not the same as the statement they use implies someone else had a different card and it charged my account and my statement implies that someone had access to my card information and used that information without my permission. 

I asked for clarification on the information not included in the report that is required by regulation E, They sent me the same exact documents that still did not include the information I requested. Such as the location of transaction, type of terminal used/ transaction ( Ie : atm, online POS, retail pos ) and the name of the financial institution that initiated the charge. 

This information is important for the claim for both parties as If the transaction was made online the person who mad the charge would not have needed my pin to make the charge and if it was done at a physical location i would be able to contact said location to verify who made the charge. Without this information how can one say that i made the charge.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have multiple inquiries on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Please Help, I have tried to reach Bank of America 's Escrow department for over 8 weeks ( starting in XXXX up to now XX/XX/XXXX ) and they hang up. I have also had 2 representatives from the bank hold with me for over an hour and the escrow department picks up and hangs up on them also.

They are reporting false information to the credit bureaus for the last four months, when my payments have been submitted on time in the right amount. I'm trying to qualify for a new loan and this has destroyed my credit. This could cost me an higher interest payment over the life of a 30 year mortgage. I have a substantial amount of documentation to back up my claims. I have over 50 hours in trying to get this resolved.

The representatives from BOA say to me, this just isn't right what they are doing to you. Our system is having major issues and the new system isn't working correctly. The system is all messed up! Everybody  is having to wait. On average, I have had to wait 1.5 hours before any one answers then they have to transfer me and wait another hour or two. One representative told me that there is only 5 people in her department and when she comes in there are 4000 people on hold and sometimes it have been up to 20,000. 

The people I have worked with in customer service say they are going to call me back and never do. This is a mess and the government should step in and force them to hire enough people to handle calls. Actually they should be required to open all of their banks. All of them are closed where I live, so I can't even go to the bank to resolve it.
Consumer complaint received 2022-08-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

There was a checking and savings account opened with my social security number, license number, and signature. I found the account paperwork while going through my parents stuff. They did not tell me about it. I do know that there was a rent being paid by my parents with the account every month. I think it might have something to do with medical mal practice settlement. I am not completely sure. Some time after, I went to the Wells Fargo to figure it out. There was person with whom I attended high school that worked there, I explained to him the whole situation, and he gave me a run arounds story, shined me off, and told me that the account had been closed. He lied. To this day, I think money from that account is being used. Either it was transferred to a new account through the same bank or transferred to a new bank. Recently, I noticed there was a monthly beneficiary payment being made to my name and social security number. This might have been that account. I also noticed on past tax returns that there are six digit number involved somewhere in the refund. I do not know if that is a mistake or if that has to do with the bank account. Most likely it is not a mistake because it shows the same for the following years. There is some financial assets being kept from me, and my beneficiary account might be in some body else 's name, and my account might have been discontinued. On the lawsuit paperwork there is a box checked that says, " civil lawsuit is unlimited, exceeds XXXX. If it is not the lawsuit, then it might be some type type of compensation, and it has been kept from me for some time now.
Consumer complaint received 2020-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

MyFedLoan was my loan servicer up until recently. I have refinanced. 

In XX/XX/XXXX, the interest on my loans capitalized because ( the company claims ) that I did not submit timely income verification documents. The total loan balance increased from about XXXX ( and change ) to about XXXX ( and change ). After months of fighting, MyFedLoan admitted that the capitalization was in error. According to the company, the capitalization was " reversed '' in XXXX of XXXX, and ( allegedly ) backdated to the date of capitalization. 

For the last few months, I have been trying to verify how that capitalization was applied to my account. I have spoken with representatives as recently as XX/XX/XXXX and XX/XX/XXXX. This has been going on for months, and no one has been able to show me HOW the capitalization reversal was applied despite numerous requests. I am only told that the capitalization was reversed and applied. However, the balance of my loan was NEVER decreased to reflect that capitalization ( except to reflect payments I made myself ). Nonetheless, I continued to make on-time payments. I have never missed a payment while a MyFedLoan customer. 

In addition to the capitalization problem, I recently discovered that the interest on every single one of my loans ( subsidized and unsubsidized ) increased from XX/XX/XXXX to XX/XX/XXXX. Ironically, this is the same time period that the company claims that the interest capitalization was reversed. For example, two of the loans ' interest increased from {$65.00} to {$450.00}, and from {$76.00} to {$520.00}, respectively. Something is clearly wrong.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

There is an account from MACY'S/DSNB reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to MACY'S/DSNB. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the MACY'S/DSNB account on my credit report is reporting inaccurate and incomplete information.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (CA)

XX/XX/XXXX Got a VM from XXXX asking I call back, Phone : XXXX. I returned the call and found it was a debt collection agency. I was transferred to " the person handling the account '', so I left a VM. 

XX/XX/XXXX Having a lot of recent medical bills, I was concerned I might have missed a bill so called again, pushing the operator for information. He transferred to someone who did answer saying it was a XXXX account from XXXX, approx {$1800.00} dollars and how did I " want to take care of it ''. My reply was shock, and said your kidding the only XXXX account I had was like 15+ YEARS and YEARS ago, and more important was wiped during a Ch XXXX BK. 

After saying that, the rep hung up the call. I called again and asked for proof of debt, was again hung up on.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

My homeowners insurance went up due to information my insurance was said was reported to them from Lexis Nexis. They said to contact lexis nexis in regards to what was in my report. I requested a copy of the information from Lexis Nexis ( case # XXXX ) and they said they would mail me information to obtain this report. Lexisnexis they sent me a password to log into the account and It does NOT work. I have called them 3 times but am unable to speak with a person there.
Consumer complaint received 2021-01-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

Back in XXXX I was asked to pay {$300.00} to settle the loan to be paid for by XXXX gift cards which I did this in 3 monthly payments of {$100.00} they stated they would send a payoff letter but they never did. Then they started sending emails threatening to have me arrested and put in jail for violation of federal banking regulation. Collateral check fraud. Theft by deception. They started sending this emails in XXXX and every so often they would send them the last one I got was on XXXX XXXX and the wanted me to pay them {$190.00} in XXXX XXXX  prepaid visa/MasterCard. They keep saying Im not contacting them even though I answered most of the emails. Please tell me what I need to do?
Consumer complaint received 2022-04-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Last XXXX, XXXX, I updated my address with this evil and predatory company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

When receiving my Barclay AA Aviator Business credit card, I asked the call agent for a match for more points if I met the minimum spend of {$1000.00}. The customer support agent accepted my match but I have not received the match after months of waiting. I have called multiple times and sent many secured message/service requests through the card online program inquiring about the match and still no answer. Barclay AA Aviator Business did not told up the end of their promise.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX I sent in a dispute letter regarding inaccurate and unverified accounts on my consumer credit report and still I have yet to receive any response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. To my knowledge according to federal law, it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and XXXX have got into the wrong hands. My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf plus these accounts are inaccurate and unverified. I am willing to settle this matter without any admitted liability. I am demanding deletion from all consumer reporting agencies.
Consumer complaint received 2021-07-27
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)

I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX bank was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

Thank you.