davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (MI)

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Equifax and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Equifax and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Last year I discovered a false account with Capital One reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Capital One denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Capital One refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Consumer complaint received 2022-08-08
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$23.00} ; XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX  XXXX Balance : {$8900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ME)

I have a business VISA credit card with US Bank. For over 2 months, I have brought to US Bank 's attention that I am unable to pay my credit card statement balance using an external bank 's checking account. I receive technical errors when attempting to add the bank 's info stating that I have already added the bank account and it is ready to use. Unfortunate, that bank is NOT added and I can not use it. Therefore, I am being charged interest on my balance because I can not pay it. No one has ever offered a solution that worked. Nor has anyone set up auto pay for me, nor offered. No one has offered to take payment over the phone. I am only advised to " try this '' option online. Then it doesn't work, and I not only have a late fee but an interest charge. US Bank 's inability to process a payment and/or assist their customer 's with technical support is costing me, the consumer, money and MAKING them money.
Consumer complaint received 2021-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (OH)

I owe {$100.00} for my Amazon credit card. I have only missed one payment previously and all other payments have been made on time. I have received multiple calls per day ( anywhere from 2-4 a day ) since XX/XX/2021. I have three times now in that timeframe let them know that I have had financial hardships due to unemployment and my own business slowing to a stop due to inability to purchase shipping supplies for my product and recently gained employment. I have told them I should be able to pay it within the month with no specific date because financial hardships are making it difficult to do as such. Today ( XX/XX/2021 ) I was called three times before I answered and told them again they can not call me like this, it is considered harassment and I shall pay them before the month is over.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX Experian XXXX XXXX  XXXX Second Round XXXX    XXXX Experian XXXX XXXX   XXXX
Consumer complaint received 2021-08-09
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-09
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. (IL)

Please refer back to complaint number XXXX-XXXX  where you say my identity did not match your records which I know to be untrue. Attached is an updated utility bill, ssc and copy of my Driver 's License. Please see documents attached under complaint id XXXX-XXXX. Please open this investigation and remove all the accounts listed under disputes due to passing the timeframe of the investigation and this stall tactic.
Consumer complaint received 2020-08-27
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2020 I was the victim of a phishing scam, involving a fake Website. I deleted the screenshot of the fake website when the fraudulent charge was originally credited to my card. I did, however, submit the name of the fake website on XX/XX/2020, immediately, when I received a XXXX transaction receipt from XXXX XXXX. The website was not named, XXXX XXXX, and I have no idea who or what XXXX XXXX is. 

5/3rd bank " investigated '' the fraudulent charge. From the seller they received a fake business name, " XXXX XXXX, '' a fake business Email, " random numbers and XXXX, '' which is a spam Email server XXXX, XXXX, XXXX, and others will not allow Email from, a fake business phone number with an area code that doesn't exist, and calling the business phone number results in a recording saying the number is not a working number, a XXXX slip that does not display my home address, and when I called XXXX for clarification, they said the tracking number on the slip was related to a package that came from, " XXXX, '' even though the " investigators, '' received NOTHING from XXXX, and a copy of the document they received from the seller that requested " proof of the purchaser receiving the item '' which was completely blank. 

And yet, with these and even more illogical red flags displaying to any logical thinking human being that the charge is in fact fraudulent, the " investigators '' deemed this a " legitimate '' purchase, and reversed the credit they issued on XX/XX/XXXX. 

This is now XX/XX/2020. I closed this account on XX/XX/2020, due to the horrible mismanagement of this fraudulent charge investigation. I have no charges on this closed XXXX account other than this one fraudulent charge. In fact, have no other charges on any other credit card. 

Even though it is closed, I have received two late fees, two interest charges, and even though I received a document stating credit bureaus would not be contacted, there was a delinquent account message sent to XXXX, which lowered my XXXX  credit score from XXXX to XXXX. 

I have contacted 5/3rd well over 50 times. I have sent pages and pages of documents through the mail, Email and fax, showing why I am a victim of a phishing scam. I have been into two local branches, and communicated with well over 50 5/3 employees by phone, Email, and Chat. I am told to wait, and wait, and wait. I am told supervisors, " Do not take calls. '' I am directed around and around and around and around in circles. 

I have contacted the XXXX, XXXX XXXX page, disputed by XXXX credit account, and now am contacting the FTC.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I mailed a certified letter to Experian disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX Experian mailed me back the investigation results. The results was verified as accurate and no changes to my credit file. I have provided Experian proof of my bank statement highlighted the amount that was paid on time in XX/XX/XXXX for the amount of {$110.00}. On my bank statement it shows XXXX which is part of XXXX. The telephone number provide on my credit file is listed as well. I'm having difficulty with Experian to correct my credit file.
Consumer complaint received 2020-09-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I can not get a human on the phone to talk about my refinance, they changed the refinance term without my approval, no one will help me from Roundpoint mortgage. I have spent 7 days on hold and sent 50 emails.It went from 30 years saving over XXXX a month of my loan to 25 years saving a little over XXXX a month. That makes no sense, I would have never changed from a 15 year loan to 25 to save a mere XXXX dollars a month.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that 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 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (OK)

Never been late for payment. For XX/XX/2020 my minimum payment is {$700.00}. I called American Express Twice asking for an explanation ( XX/XX/2020 ) They did not give me an answer. The best answer was that the minimum balance is 2 %. My balance is {$2000.00}. My card is a no preset spending limit. And I learned that they put the account in a limit of {$2000.00}, I did not get that information in advance. My intention is to pay the {$700.00}, but I have XXXX XXXX, can not walk etc. This kind of charge create stress to the .people.
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I complained that PAYPAL company illegally misappropriated user refunds and refused to return the original payment bank account! 

I received a prepayment refund of {$520.00} from XXXX on XX/XX/2021, transaction number : XXXX. After PayPal received the refund, it did not return my money to my original payment bank account, and sent a misleading email telling me that I received the refund from XXXX, but it was not very clear at the end that the refund did not arrive. Account. I did not find the bank account information until 3 days later, and entered the PAYPAL account to find that the money was still in the PAYPAL account and was illegally embezzled {$15.00} by PAYPAL. 

I immediately communicated through the PAYPAL website, but PAYPAL 's customer service found various excuses to refuse to refund my payment and part of the misappropriated money. When I pointed out that the reason for the misappropriation of the customers money and non-refundable was unfounded, the customer service said that the manager XXXX would reply to me. I gave 5 days to process it. XXXX only replied after 3 days that she would refund me {$15.00}, but still Refusal to refund to my original bank account. 

After I insisted that I had to refund {$520.00} to my original bank account, and told her that I needed to use this money to pay for the living expenses of my family, XXXX ignored my request and did not refund the illegally embezzled {$15.00}. 

As an international company, PayPal takes advantage of XXXX peoples inability to speak out through international social media, and it is shameful to use this blatant illegal and criminal behavior to infringe on the interests of XXXX users. It also disobeys the United States values of integrity. I hope you can help me. To preside over justice and severely punish PayPal, I will also request public support through social media.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Been banking with Chime ( XXXX XXXX ) since XXXX. Chime closed my account while I was out of town, XX/XX/XXXX. I had no money and was stranded while on vacation. Chime closed my account for deposits that were made to me by my XXXX XXXX I am a professional XXXX XXXX and I am Enrolled Agent with proper credentials through IRS. Chime requested I send proof showing reasons for deposits and where they were from. I did so as requested. I sent my IRS credentials, Tax Clients documents .... Also, my tax clients sent letters as well. I had another deposit as well and they kept that also. They closed my account with about {$18000.00} available funds. They still have my remaining balance and all I'm asking is they send my money as soon as possible. I was never able to verbally speak with anyone at Chime nor the XXXXXXXX XXXX They always had a recorded message to send email to XXXX. I sent over 25 emails and no resolution. Please help me get my funds from this bank.
Consumer complaint received 2020-12-01
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. (FL)

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2020-09-03
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. (TN)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Notified by Portfolio of debt owed. Asked for proof of debt. They could not provide proof of debt. I asked them to cease all communication with me since they could not or would not provide documentation. Continue to constantly mail and call even though they could not prove debt
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RoundPoint Mortgage Servicing LLC (FL)

I have sent number emails and I called Round Point Mortgage. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Consumer complaint received 2020-08-27
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. (PA)

There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.
Consumer complaint received 2022-08-15
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. (NJ)

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment XXXX XXXX # XXXX