davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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)

Experian is the problem. Georgia XXXX XXXX XXXX listed two accounts as charge-offs instead of discharged by bankruptcy, which is illegal. The credit union submitted corrections and while Experian has corrected those errors, today 's issue is that my credit score has not been increased as a result of those corrections. 

Experian vantage score reported through my XXXX Bank checking account is XXXX, while XXXX still shows the score on my credit report at XXXX. XXXX scores and FICO scores should be the same since release of XXXX XXXX and XXXX. After correcting and updating the charge offs to discharged by bankruptcy Experian increased my score by XXXX XXXX  point. My other credit bureaus are at XXXX and XXXX. The information on all three is the same. I need your help to get Experian to increase my score by XXXX points. I have gone back to Experian on this issue three times. Today, calling every toll free number Experian has I am not given the option to go to a live representative. I can not even reach them. Please help me.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MO)

I received a US Bank Relia Card on XXXX XXXX, 2020. I did not request this card and I do not want this card. I have not file for unemployment and I do not need this card. On XXXX XXXX, 2020, I called five telephone numbers of US Bank Relia Card and I have called each telephone number several times. Every time I call, I get the automated message that all the representatives are business and I have a wait time of ten to fifteen minutes. After a couple of minutes of waiting the Im automatically disconnected. I have not been able to speak with a representative from US Bank Relia Card and no representative in their fraud dept. I want this account closed and deactivated and to inform them the need to verify who the are issuing a card too before just sending it out to individuals who has not requested it. 

I want this account closed and the card deactivated. I was unable to contact US Bank Relia Card online because I will have to create an account with the card and Im not doing that because then the card will be active, then whoever requested this card then will have an account. Would please assist me in contacting US Bank Relia Card to close this account and deactivate or flag the account and the card they have sent me.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I reported that I was a victim of identity theft and car XXXX. The preps used my phone and debit card to access my accounts. 

They transferred a little over XXXX to a made up cash app account. They also used XXXX XXXX and pay pal to transfer money. I filed a police, FBI, and FTC reports to help my bank understand it wasn't me accessing my bank. So far pay pal has refunded me my money. While cash app and XXXX XXXX both have verified it wasn't me drafting my accounts. 

I feel my integrity is being attacked when it wasn't me. My monthly spending also proves I have never made transactions like this. 

I have a fraud number from western union that can be given to USAA also.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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  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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (AR)

On XX/XX/XXXX I demanded Equifax to investigate and verify 7 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )
Consumer complaint received 2021-12-08
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: TRANSWORLD SYSTEMS INC (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-12-08
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: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

WELLS FARGO XXXX Opened : XXXX/XXXX/2017 Balance : {$7000.00}
Consumer complaint received 2021-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE XXXX Opened : XXXX/XXXX/2015 Balance : {$140.00}
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My wife made a purchase online and paid Via XXXX for {$1000.00} but we never received our purchase and the seller changed his contact info we contacted our bank Chase as well as XXXX and neither of them has helped. 
They both claim to protect our money but neither one of them could help me with this scam. I am very frustrated with both of them. I will never use XXXX again for anything
Consumer complaint received 2021-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi A few weeks ago I filed a complaint with the CFPB. The complaint was about a charge on my credit card for XXXX XXXX. The airline did not hold up their itenirary and even charged my account beyond that without my authorization. 

Bank of America did not solve the dispute in my favor and gave me no recourse. Furthermore they did not properly file the dispute to begin with. Someone from Bank of America ( XXXX XXXX ) reached out to me on XX/XX/XXXX and asked me to call them. 
I have sent them 7 emails and have left 8 voicemails in the past 2 weeks with nothing being returned. I have also requested in email a time to speak with this Bank of America Representative. 

I am currently being charged fees on this and bank of america is not responding to me at all.
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX at XXXX 2022 I received 3 text message from capitalone transaccion one by one .... that I did no mine. the first XXXX second for XXXX ant the thirt for XXXX something and was decline because the text ask for confirmation YES or NOT and I answere NO... but did not ask for the first 2 transaccion and going thru my account ... Inmediatly I call to Capital one to report the transaccions .... and They block the credit card ... and issue a new one ... .. they ask if I have the plastic card with me... and I said yes ... on my hands ... and I XXXX know how they used my Info into the place to make the fraud ..... The lady said the transaccion was reversed and a investigation start to define the situation. after 20 day in XX/XX/XXXX the investigation make a ajustment in my account and put again the two charges into my account and said that the transaction was made legal ... ... and the case was close .... I need you help because someone use my info to make fraud transaccion... I never use the credit card to purchase more the XXXX dolars... only for food or goodies for less money .... Im scare and sick how Capital One take decision without serius investigations ... and how the store accep creditcard without ask for personal Identifications ... case number XXXX was close and broke my right to defend in this... situacion Why the transaccion going thru without my permission? Why the text message only ask for the thirt and no for the first 2 transaccion ..... 
I report Inmediatly by call to the fraud department and they never give me a real solution .... 
Where are the secury from my credit card company..? 
I lost the trust from them and I feeling sik and my live has worse after this situation .....
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

In XXXX of XXXX we applied for HAMP Modification for the pandemic for a two month deferment but they approved us for 4 months. We skipped two payments and began to pay as normal. We started getting mail that we were going into foreclosure. I contacted LakeView Mortgage and I paid those two payments that we skipped to stop the letters. 
I told them not to do the HAMP paperwork but they applied the 4 months of payments to the loan anyway. Skip forward to present, we are trying to get a Home Equity loan and the ( HAMP ) Deed of Trust ( XXXX ) ( for account XXXX ) needs to be paid off in order to have the XXXX as second position. We can not get any information from HUD or LakeView Mortgage to find out how to pay that lien off. We close on the XXXX until we get this info. 
We even called the Trustee XXXX XXXX XXXX  office and got nowhere. 
I have two emails from HUD saying that in four days we will get a reply. But still no information how to pay this off. The XXXX shows the Secretary of Housing and Urban development as " lender ''. XXXX XXXX and Page 1836 Any help with getting this XXXX paid and released would be of great appreciation.
Consumer complaint received 2022-07-11
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. (TX)

I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 
XXXX and Equifax are reporting a different account number from XXXX. XXXX and Equifax are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00} which is different from the other 2 Credit Bureaus. XXXX is reporting date of last activity of XX/XX/XXXX, Equifax is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting a date of last activity of XX/XX/XXXX all dates different each bureau. XXXX and Equifax is reporting balance owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} and balance owed is higher than the high balance amount. XXXX and Equifax are reporting on account status as closed and XXXX is reporting account status as open. Also a collection account can not be listed as an open account. 

XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Subject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type :
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

I tried to dispute some delinquencies that Navient placed on my credit report viewable on all major Credit Bureaus and they refused to honor my well-grounded dispute. Just to provide a brief description of the disputed delinquencies, I have 3 late payments listed on all 9 accounts I have with Navient and some show up as 150 days past due. The repayment process was scheduled to begin on or around XXXX of XXXX, around the time the 6-month grace period was to expire, with the first monthly payment scheduled for XX/XX/XXXX. 

However, during the summer of XXXX I was enrolled at XXXX XXXX XXXX XXXX as a student particularly on the dates of XX/XX/XXXX through XX/XX/XXXX. Per the FSA, a 6-month grace period is granted to students who borrow both subsidized and unsubsidized loans before they begin repayment although interest can accrue. This would mean that my grace period would have begun on or around XX/XX/XXXX instead of XXXX of XXXX. During the time I was under the impression the grace period expired, I was in the process in the process of applying for the Income Driven Repayment program which I was later approved for and my it extended my repayment to XXXX or XXXX of XXXX. I have attached my student ID, my account activity summary, my student profile, and my transcript all of which will corroborate the Student ID number. Also, the profile and account activity summary corroborate my address. Most importantly, the account activity summary and transcript will corroborate and confirm that I was attending classes as a student at XXXX XXXX XXXX XXXX from XXXX of XXXX through XXXX of XXXX.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Debit MC is denying access to my account online and via telephone who's answering service is instructing you to go online and when doing so the website is denying access. went a local Bank XXXXf AmericaATM XXXX XXXX XXXX XXXX House ) and according to inquiry $ XXXX which is impossible because on XX/XX/XXXX Deposit $ XXXX XXXX {$13.00}.?? opening balance not showing in statement XXXX XX/XX/XXXX Available Balance {$27.00} XX/XX/XXXX Available Balance - {$11.00}? 
XX/XX/XXXX Available Balance- {$11.00}? 

Also, this debit card can not be overdrawn
Consumer complaint received 2019-09-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my XXXX XXXX credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called XXXX XXXX and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.
Consumer complaint received 2021-05-25
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: CITIBANK, N.A. (MD)

Report states account reviewed 73 months which is 6.08 years. Report also states account opened XX/XX/XXXX and closed XX/XX/XXXX which is 13 months - 1.3 years. Report shows a 5 year and 5 month discrepancy and must be deleted from my report.
Consumer complaint received 2022-07-11
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. (GA)

I have tried several times to dispute a bankruptcy on my Trans Union credit report Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the XXXX creditor, they must remoce said information from the consumer credit file. 
Docket # XXXX The County Recorder of Deeds and the Bankruptcy Courts have both mailed letters which stated that they do not provide any information to credit report agencies nor do they validte and/or confirm public reocrs. 

Per the Fedela Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verfication of the original signed consumer contract and/or judgemnt all accounts and public information that you post an anyone 's credit.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (CT)

I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different XXXX and the acccounts are illegally beign re-aged.