davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XXXX XXXX, 2022, {$160.00} posted to my Capital One Savor credit card account after I made a phone payment to XXXX company of XXXX, OK for lawn services. The correct amount I owed XXXX was for {$120.00} ; creating an overcharge by XXXX, and a {$37.00} credit balance on my XXXX account. I called XXXX several times about the overpayment and credit on my account to no avail ; nothing was done to return the {$37.00} to my Capital One Savor credit card. I opened a dispute case with Capital One concerning the {$37.00}. Later I found out this case was closed, because I did not submit documentation proving the overcharge. I told the Capital One representative I received no letter or notification requesting documentation, and I then had a second dispute case opened with Capital One. I requested Capital One send me an e-mail link, so I could send a requested, signed form and proof of overcharge to Capital One electronically. I submitted the signed form and a copy of my XXXX bill/receipt. The bill/receipt showed what was actually charged by XXXX for XXXX, the Capital One Savor credit card payment, and the credit balance/overpayment on my XXXX account. I submitted this information to Capital One on Sunday, XXXX XXXX, 2022. XXXX Monday, XXXX XXXX, 2022, I received an e-mail notification from Capital One that my dispute case was again closed, because I failed to submit proper documentation ; even though I submitted the requested form and proof of being overcharged by XXXX. I feel Capital One did not use due diligence to resolve my dispute case properly, and I am asking the CFPB to please assist me with this matter.
Consumer complaint received 2022-05-20
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. (CA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Consumer complaint received 2022-09-23
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2022-09-22
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct # XXXX, has violated my rights. 

XXXX5 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-18
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. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-06-10
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. (GA)

N accordance with the Fair Credit Reporting act XXXX  Account XXXX  ACCOUNT NUMBER ENDING IN # XXXX and # XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-08-11
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 not supplied proof under the doctrine of estopper by silence, Engelhardt vs Gravens ( mo ) 281 SW 715, 719,1 presume that no proof of alleged debt, in fact therefore exists.
Consumer complaint received 2022-10-18
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. (TX)

The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX XXXX, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

CiTi Best Buy Credit Card - Late Fees & Interest Fraudulent Practices. 

First and foremost, Citi Best Buy Credit Cards make it nearly impossible to speak with a human, outsourced call centers and horrible connections are the norm. If and when you actually speak with a human, the difficulty to comprehend a normal conversation is a task all it self. Normal hold times to resolution is over 40 minutes if you can get calls escalated to a non scripted human. 

The CiTi Best Buy Credit Card has implemented a scheme to defraud customers through challenging roads to navigate paper billing. The CiTi Bank Best Buy Credit Card Fraudulently provides XXXX XXXX XXXX on monthly paper statements that are different than addresses the payments should be sent. The " XXXX game '' of moving XXXX XXXX XXXX triggers late payment fee charges in the system due to customers sending payments to addresses that are seemingly invalid. Over a period of XXXX weeks my family made multiple payments to the XXXX XXXX XXXX provided on the monthly statement sent to our home ( the same address provided by CiTi Best Buy ). 

The Scheme entails CiTI Bank Best Buy to access late fees by informing the customer payments were not received on time. The scheme typically goes unnoticed unless you check you billing statement each month. Once the late fees are accessed to the customer, CiTi Best Buy Credit Card customer service is unable to waive late fees as they utilize the excuse of USPS ( postal Service ) delays in physical mail is not " their " problem. However, by providing a Fraudulent XXXX XXXX to the customer the checks do arrive in time but are not collected by CiTi Best Buy, CiTi Best Buy does not provide resolution to customers, after 15 calls and multiple emails there has been zero resolution. We simply send checks via online banking to the XXXX XXXX provided. If it's the incorrect address the billing statement should in fact provide the proper address. The shell game went unnoticed by our family until a forensic review of statements sent by CiTi Best Buy was uncovered. 

Imagine the monthly late fees being collected by the millions of customers? The shell game and lack of empathy is incredibly below standards of a publicly traded company. The only response I have received is that I have to call customer service which is just a circular process of never ending telephone Holds. I was informed that they do not have the ability to make outgoing calls or the ability to respond to my concerns. So a company on the XXXX XXXX can't make outgoing calls or contact it's customers? We are closing the account and I hope that we can help families who may not know about these Fraudulent practices that deceive consumers through this statement XXXX XXXX XXXX game. Be safe and be aware of your billing statements.
Consumer complaint received 2022-12-28
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX 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 2022-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (UT)

Currently we have a first mortgage with XXXX. They have been excellent. We have a second mortgage with Keybank. We have been greatly impacted over the last two years due to XXXX and other unforeseen hardships. We have struggled to make payments. We just finished our remodification with XXXX, it was an excellent experience. While we were working through that with them, after our first trial payment we received notification on our door that our house was going to auction. We contacted the lawyer who was Representing Keybank. We told him we were working with XXXX and had just made our first payment. He said that Keybank had contacted him earlier and notified him of that and they had removed the foreclosure/sale date. ( I think this is not true, I believe they were fishing for our home ) My wife is who spoke with him. We contacted XXXX who assured us things were ok. We received another notice and contacted XXXX they said until we had finalized the process we may receive documents like that. We made our final trial payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX we received notice of eviction from a builder and documents from the same lawyer, that also represents the bank. The builder documents said he owned our home. That he had purchased it at auction. We called him immediately, he said that keybank had auctioned it. We said, no we talked to their lawyer in XXXX and the lawyer said they had removed any foreclosure or sale date. We talked to XXXX, they had nothing in their system concerning a foreclosure or payoff amounts or auction date or sale date. They had not talked to Keybank. The title company orange tittle claiming to represent XXXX but XXXX XXXX has no documentation from them or correspondence, this title company produced a document back in XXXX. I suspect this title company works with the same lawyer. Additionally we talked to XXXX, they explained not to worry about it. Then on XX/XX/XXXX, we received a 3day summons on behalf of the builder, who is also represented by the same lawyer. The same one we talked to in XXXX and explained key bank had removed foreclosure/sale date that the first never knew existed. I do not believe it ever did. Again fishing for our home. We have text messages and correspondence that outlines harassment from the builder in telling us to work directly with him and his attorney. We received a summons with 3 days to respond outlining XXXX a month. He also told us we had to co to us to carry the first mortgage if we wanted to stay in the home. There is other information as well.
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

Americollect at XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX has been sending me collection notices in the amount of {$410.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have any a contact with my signature. Debt amount has changed multiple times as well. First they tell me I owe {$280.00}, then they send me a letter saying I owe {$410.00}, and now they are stating {$410.00}. 
They put the collection back into my credit report. This is not my debt and I do not have any association with this company.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SD)

I have disputed with Experian my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses. 

They have confirmed and verified apparently but yet which social security is mine? 

What is the correct legal name of mine? 

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name
Consumer complaint received 2022-06-10
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: DISCOVER BANK (CA)

A discover bank credit card was opened in my name on XX/XX/2020. This card was charged up to {$910.00} without any of my knowledge by another individual I have no contact with. I am unable to interact through payments or canceling the card as I have no knowledge of the full card number or account name it is under.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insight Management Partners, LLC (PA)

On XX/XX/21 at XXXX XXXX  XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX Insight Management Partners about a debt owed to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed the company may have secured my telephone number from the XXXX I believe this company got my telephone number either from the dark web or from lists of phone numbers obtained through hacking of social media sites such as XXXX. If Insight Management Partners obtained my telephone number through these means, the company should be investigated and a class action lawsuit should be filed.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

I tried to have the bank stop my auto pay on my accounts they told me I have to pay XXXX dollars for each XXXX now more will be pulled fri and I can't pay all of the over drafts and payment I'm with chase bank
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At night on XX/XX/year>, I went to the Bank of America branch located on XXXX XXXX XXXX, XXXX, CA XXXX, where I attempted to withdrawl {$60.00} from my account. The failed to dispense it, displaying an error message for the money failing to dispense. It also stated that I would be issued a credit for the money I attempted to withdrawl. I was decieved and lied to by Bank of America because this was far from the truth. What happened instead was them stealing money from my account. I'm missing {$60.00} from my account, when they failed to provide me with any credit or cash. I attempted to reach out, and its been nothing short of a disaster. They've done nothing but provide me with false timeframes and false hope. No credit, instead I'm expected to wait and suffer due to their own incompetence. If I were to be short 2 weeks late on a payment, I'd be charged interest. However they're able to delay giving me the money back, which they stole from me. It was their faulty ATMs that caused this, and they refuse to be helpful or cooperative. I'm just expected to accept it. This is unacceptable. What the bank branch commited against me should be considered fraud.
Consumer complaint received 2023-08-11
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. (FL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.