davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction and they never did after 2 weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. 
After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was left was taken from my credit and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. 

Despite my efforts to matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds constitute a violation of FCRA section 611 and has caused significant financial harm.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 USC1681. 

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 15 USC 1681 section 602 A States I have The right to privacy 15 USC. 1681 section 604 section 2 .it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Srction states no consumer reporting agency may make any consumer report containing 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
Consumer complaint received 2019-06-24
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently applied for an account with XXXX XXXX Bank and was declined. They use a consumer reporting agency called XXXX who informed me via letter that my consumer score was XXXX. After requesting a credit report all I am able to see is which financial institutions have requested to see my credit information. This report does not show anything indicating how the got a score of XXXX. 

My credit score at XXXX and XXXX are both above 800. 


After calling both XXXX XXXX and XXXX they are not able to provide me any information on how they got to this score or what negative information may be affecting it.

My concern now is that there may be some information that is impacting my credit and I may not be aware of it. 

Can you please inform me of how I can proceed with this to correct it? 

Thank you XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl. XXXX
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG MORTGAGE, INC (UT)

I appled for help in XXXX. I had just learned about the XXXX  assistance programs my company offers. I need to lower my payment and skip payments until I feel better and can work. I uploaded all the documents they requested on time. They denied me for any assistance. I am very sick. I must avoid foreclosure. Please help. 


The website for CMG Financial XXXX XXXX is very hard ti navigate and doesn't work most of the time. I also can't get anyone on the phone. They call me with a recorded message to call them. I call, and the line hangs up.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I made a deposit on XX/XX/2023 I received a letter that the decision to close my account.And to make sure I understood. I was confused. So I called XX/XX/XXXX. And was asked if I deposited my XXXX  check I said no. I usually deposit in my other account premium bank. I always sign my check when I do it on line than out void. I was told by the first letter my funds will be returned it was in my XXXX they took money out of that check for maintenance I was told they closed my account made deposit on the 6 letter on the 8 so my only source of income separating from my husband I have no money no food. I couldn't even go on line. I went in talked face to face with banker week before XXXX  Tuesday but he said they sent out my check and expect by latest the XXXX XXXX Be we came for another letter they aren't returning it. They aren't supposed to keep my money XXXX. And was to! d twice by letter and person. Account XXXX. XXXX is XXXX. It was XXXX you take money that you freeze. But I can't even get food gas pay my bills this is extremely rude uncalled for two letters they sent that they were sending I don't have it they blocked my card froze my account but closed it first the other stuff bank of America did came after Thank you Sincerely XXXX XXXX. 
I hope this can resolve and I can buy food my animals are hungry.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PLS GROUP, INC (NY)

On XX/XX/XXXX, I bought a money order from PLS Check Cashers of New York, Inc. Money Order XXXX for ( XXXX {$1400.00} ) to pay my rent and It was stolen. When I returned to the store to claim my money back because it was forged, and the information on the money order was altered from XXXX XXXX XXXX to XXXX XXXX. I was told to get an affidavit, which I did on XX/XX/XXXX, and waited the XXXX months I was told the investigation takes. XXXX months later, I was told the documents expired and needed a new affidavit again ; I provided them with a new affidavit on XX/XX/XXXX and a notarized letter explaining what had occurred with the money order. 
At this point, I do not know how to recover the money I lost thanks to their negligence. I am pleading for your support because I need the money right now, and my working hours have been cut to almost 20 hours a week. 

I have called the TV show XXXXXXXX XXXX XXXXXXXX for support, and they have told me to come to you guys for more support. 
Please help
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

When you shop at Macy 's, they ask you to open a credit card with every purchase. When you get a Macy 's credit card, they send you a ton of marketing material - literally I or 2 pieces a week, sometimes more. We opened a Macy 's card to make a larger purchase, a ring. Soon enough, we saw that with each payment, our available credit was reduced in an equal manner. There is nothing in the terms of the card that it was only for the single purchase. In fact, the marketing of the card, Macy 's XXXX XXXX Account, insisted it could be used anywhere. 

So finally, disappointed, we paid off the balance and told them to close the account. Unfortunately, they reopened the account for some fee they forgot to add on a closing time. Months went by with us throwing out all the tons of Macy 's mail - whey even open it, right? We closed out account. Hundreds of dollars of fees and interest on fees was finally brought to our attention with a collections call. Furiously angry, we paid that bill and said close the account and do not reopen it! They agreed that we were even and owed them nothing more. Then another statement arrived with another fee. Now only {$20.00} we paid that too ; now suspecting Macy 's has a pretty good scheme going here - accounts that can never be closed. Guess how this ends? It doesn't - we just got another statement with a {$2.00} fee. Seriously? 

Please note that Macy 's is not a bank but works with Department Stores National Bank, part of Citibank. - should have known. Banks are not what they used to be and have wasted the public trust they once had. CFPB please make this stop us and what I am sure are many others.
Consumer complaint received 2023-11-27
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I never made these inquiries, moreover the companies refused to get back to me and provide me with evidence of my true self made those inquiries ( fraudulent and unauthorized inquiries ) in my credit report. Please remove them as I do not recognize them.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gusdorf Law Firm, LLC (MO)

In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX and their debt collections attorneys ( XXXX XXXX and XXXX XXXX of Gusdorf Law Firm ) sued me for a {$1200.00} sewer service debt. When I raised fraud complaint with Gusdorf and presented documented evidence of merit to support the claim, asked for the return of the {$1400.00} that was stolen from me by XXXX and Gusdorf Law Firm, they pursued me for an outstanding debt I do not owe and used the civil court to perpetrate and cover up fraud. 

Specifically, XXXX ( via Gusdorf Law Firm ) sued me and ( XXXX ) the writ petitioned the Court for awards in attorney fees, court costs and late fees associated with debt collections EVEN THOUGH, ( XXXX ) XXXX assessed charges for attorney fees, court costs and late fees ( well in excess of XXXX standard monthly late fee percentage of 0.75 % ) on attorney fees and court cost directly to my XXXX account and included the charges in the principal amount of the debt, and ( XXXX ) ADDED additional charges for attorney fees and court costs to the garnishment order, and garnished my wages for same, and ( XXXX ) XXXX continued to assess charges for attorney fees and court costs to my sewer account AFTER the case was settled in XXXX of XXXX. 

XXXX owes me {$1400.00} for excess garnishment and overcharges between XX/XX/XXXX and XX/XX/XXXX. Fraud complaints were filed with XXXX and Gusdorf Law Firm, and both were provided the evidence that support the claim.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted a SAVE application, but it's still being processed 55 days later ( at the time of writing ). Meanwhile, I'm still being charged interest while they placed me under an administrative forbearance. I keep getting emails that say my application is still being processed with no further details in regards to any application issues or any actions that are required from me. I have already submitted my recent pay stubs as proof of income. My loans are accruing hundreds of dollars of interest per month while they are having administrative issues with application processing. None of this seems fair or professional.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (PA)

On XX/XX/2020, I purchased 6 Reloadit cards and put {$500.00} on each card for a total of {$3000.00}. I created a Reloadit " safe '' and used a compatible pre-paid card, XXXX, to load money from the Reloadit " safe '' on the card. 

I have been unable to load money onto the card and I keep receiving errors that say they are experiencing technical difficulties. I have contacted them every day since to rectify the situation and they have not responded. 

I would like a full refund of my {$3000.00}.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (ME)

l was selling my motorcycle for XXXX XXXX  and was contacted by XXXX XXXX requesting that i sell the motorcycle to her and she would mail me a check due to being out of state so with everything being online these days i agreed and then the check was sent priority with a tracking number. I received the check Saturday XXXX the XXXX and deposited the check via ATM Sunday the XXXX at key bank on the XXXX XXXX in XXXX Maine and was told the check should clear by Tuesday XX/XX/XXXX in which it did so i went to said branch and withdrew the money and told XXXX to come get her new bike which we agreed to Friday the XXXX after XXXX. But on thanksgiving morning Key bank withdrew the check and charged me XXXX dollars due to the check being XXXX dollars as XXXX  was agreed for the in state movers and i was in the negative XXXX dollars when the check posted as to why i was selling my bike i needed then money in an bad way so once it was figured fraud i went to the bank and filed the complaint where 5 mins into the meeting key bank management informed me that it was my issue and i should have checked the check out like i work at the bank its they're job to look at the checks not mine and they told me i had to pay the amount back even though they have insurance and they cleared the check if there was an issue they should have never posted it to my account why do i have to pay it back while the scammer gets to go free all i did was try to sell my motorcycle and the bank cleared the check its they're fault not mine how am i suppose to have a check looked at they never ask questions no one ever called to inform me i was being charged XXXX XXXX  or why nothing im on a veteranXXXX XXXXXXXX and with my monthly check hitting this week and XXXX coming with winter my kids and i are going to freeze to death because of key banks greed
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 

Below are the details of the fraudulent accounts : XXXX XXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take actions. I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.