davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (GA)

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

The company mailed out to me a pre-approval letter on or around XX/XX/2023. I responded to the offer that stated i would receive an approval in as little as XXXX seconds. That did not happen so then I received an email stating that its under review and this action can take up to 1 to 2 business days. 2 days has passed, I received another email that stated that i was approved tentatively pending receipt and verification of my employment status. i uploaded the required documents and later that day I received a phone call from a PenFed representative stating that they will have to call my employer to see if i worked there. Something i never heard of before from an institution that is approving you for a Credit Card. The next day I called and had questions on why they would need to call my employer direct, after I've uploaded ; requested documentation that was sufficient enough to validate my identity and annual salary. This went on from XX/XX/2023 XXXX. I spoke with several PenFed representatives and was told different theories and reasonings on why my application process was taking so long. I was told PenFed reached out to my empolyer and my employer had to call a number in 48 hours ( which if the company stated they reached out to my employer than that should have been determined that i was an employee ). I was told that they were waiting on a letter from my employer because of my annual salary ( which I know personally that was false ). I was also told that my employer had to upload documents. As you can see all of these hurdles and obstacles because PenFed probably did not think i was telling the truth about my annual salary which is alarming and shameful. I have a great credit score as well as high balance cards due to how i maneuver with my credit profile and my annual salary. In conclusion, I believe it was False advertisement on their behalf as well as discriminatory practices and this situation should have been handled differently.
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 a account without my written instructions.
Consumer complaint received 2023-04-05
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: DISCOVER BANK (NM)

I was paying monthly to lower the balance on the card. Each month I was paying the bill, but 80 to 90 % of the payment was going to interest on purchases. The balance kept increasing. This happened every month. I got to the point I couldn't keep up with the bill. 
This seems to be what Discover had planned. i believe mostly to line their pockets and didn't care that i intended to concentrate on paying the balance. This occurred every month. The balance continued to grow and there was nothing I could do about it. After a period of time it was impossible to keep this up. I had to give up trying.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/XXXX I attempted to transfer {$200.00} to my pastor 's Venmo account for handling memorial svc for my father. My acct was frozen and no explanation given. After several email exchanges with Venmo reps who stated they'd escalate issue, acct is still frozen. On or near XX/XX/XXXX I provided photo of driver license and selfie holding it as requested in Venmo email. Acct is still frozen with no reason provided. 
On XX/XX/XXXX I advised them via email that unless my {$200.00} was refunded/returned via bank acct in my Venmo profile or mailed to physical address in my Venmo profile, I would be contacting an atty. Still no reply other than an automated email asking how their email correspondence is rated by me. Still no reason provided for holding my funds. 
I'll never use their svcs again so they can shut my acct down - only after all my personal info is deleted from their database.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (TN)

On XX/XX/2023 my checking account with Credit Karma money was charged {$820.00} at XXXX XXXX. I contacted Credit Karma after I was contacted by another creditor that my payment hadnt gone through. I then realized I didnt have my card. A new card was ordered and I submitted a dispute as instructed by the agent. On XX/XX/XXXX I received the results of their investigation as a legitimate charge. I called again immediately as I absolutely did not make this charge nor authorized it. I found out by calling XXXX they require a membership to even purchase anything from their store which I do not have. I argued again with credit karma money who did everything but help me in this situation ( absolutely did nothing at all ) According to the warehouse manager they reviewed the footage and informed me it was a gentleman and a rough guess of age would be mid 40s. I informed them of the situation and they had no knowledge of any dispute submitted!! My husband is a police officer I am fully aware of how the system works. They not only allowed a very large purchase which should of been suspicious in the first place but they did absolutely nothing to help me as the customer resolve it. The only response Ive received is there is nothing we can do nor willing to help me any further.
Consumer complaint received 2024-09-27
Product: Credit 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 (NJ)

XX/XX/XXXX I noticed on my Capital One app that there was a recurring charge from the state of New Jersey licensing board for {$40.00} which would take affect XX/XX/XXXX. I immediately called Capital One and stated I never authorize this, they asked me if I contacted the state of New Jersey which I did the email telephone calls. State New Jersey never authorize that and does not do that for licenses. It was very clear that the recurring charge description was fraudulent. I called capital one several times spoke to managers County executives the fraud department. I asked the remove that reoccurring charge, I thought my account had been hacked and state New Jersey confirmed it was. They sent me a new credit card with the recurring charge. Still there. I called again this evening XX/XX/XXXX. Explain the charge is still on my credit card charge my account next year. I told him this is fraudulent. This was not me who authorized it. I spoke to the state of New Jersey. I asked them to remove it. They refused to remove it. They said they could not do anything about It so essence I had to cancel my card which I've had for 35 years. I had multiple charges for rental cars. I had to cancel rebook with a new credit card. Their practices should be investigated. That is my money my card and they would not remove the reoccurring charge that I did not authorize that was clearly, a fraud
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a continuation of complaint filed with the CFPB on XXXX regarding delays in the application made in XXXX for a credit card. I called Capitol One again regarding the status of my application ( made in XXXX Called in XXXX and XXXX ). Called again XXXX. There has been no progress, despite me re-uploading ALL the requested information a week previously. This is within the time frame they said they would have responded. Of course they don't respond, they expect us to call them. I have in the mean time obtained a new credit card. Note it took like a week and none of this back and forth. I inquired what the process is at Capitol one if I terminate the application given it has never been activated. They read the standard cancellation process as if the card was active. I asked to speak to a XXXX, and got XXXX but really no other progress other than I got the addresses to mail a letter to so I can obtain a listing of what information they have and when they will delete it and to request expedited deletion as the account WAS NEVER ACTIVE. I think it is a perversity that a company can hold our personal information while never actually providing any service. They claim that is the process. If so it is a lousy process and not described in their XXXX page document of the application. And because they haven't activated the account the prior log in information ( That I was able to log in previously to set up autopay ) I can't get at the account ( get a message to call them ) to delete the autopay.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX & XXXX XXXX Baalnce : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (VA)

I received an email from Citibank on XX/XX/XXXX saying they are sending me a new debit card. The following day I received another email from Citibank saying I signed up for online services. I googled the number in the email to verify that it was in fact Citibank and the number seem to match XXXX on file for Citibank. I called on XX/XX/XXXX to notify Citibank that I had not open an account with them. They transferred me to their fraud department. I spoke to a woman who refused to give me her name or location. After I threatened to go to the police, she gave me her location, XXXX, but not her name. She then told me that she had successfully blocked the account and forwarded the information to their investigation department. I asked for an email confirmation to prove that the account was in the closed. She told me I would have to wait 30 days. I find it incredibly strange that they would send out an automated email immediately after an account is opened but a person closing an account would have to wait 30 days. I question whether the individual I spoke to actually works for Citibank. I believe they might actually be part of the fraud and would like this issue investigated.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -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 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I received a phone call from what I thought was my bank of ( Wells Fargo ) expressing concern about security issues. 

Initially, he spoke to me about issues related to text messages that I had gotten from stores such as XXXX and I informed him that I did get a few text about some order that I supposedly placed and that I had responded to the text with a question of what order, then a few days later prior to this phone call I had a text saying the order was canceled and money refunded. 

He then asked me for login information and the fact that I thought I was talking to my bank he offered me a one-time temp password for me to log in and then told me to log in not thinking he was doing the same, then he was sending me while we were talking one-time passcodes and for me to read them back to him for conformation, he did this a few time then, he asked me about XXXX and if I knew certain people on my recipient list and he named a few two of which i recognized and two I did not. 

He then said XXXX dollars was sent to one of my recipients and the fact that XXXX was a third-party company I would have to send XXXX and then have them send it back to me so that the money could be entered back into my account and the transaction canceled with XXXX. 
There was also a sum of XXXX dollars which I don't know were it went but I saw the money back in my checking but he had moved XXXX out of my saving into my check and stolen XXXX. 

I register these complaints with my bank and they closed my account down and informed me that I would still be able to access money through the use of my debit card. 

Now I have got a decision letter from my bank essentially saying that I did this on my own account and that I will not get my money back. 

I don't know why for the number of years that I have been with my bank that I would randomly on that day choose to create fraud against myself for the sum of XXXX dollars. why would this? 

There has in the past been two other occasions with fraud related to my accounts at XXXX of which I never shop the bank closed those accounts down and issued me new cards. 

There are clearly a security issues with this bank. Not to mention I didn't receive notifications of these issue until I bought it there attention. 

Please let me know if you can help me with this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-26
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. (TX)

I have BEEN SENDING LETTERS SINCE 2022! I have reached out to you all ( THE CREDIT BUREAUS ) multiple times in regards to disputing inaccuracies on my credit report and I feel like no matter what I do, I am being overlooked. You're either accusing me of going through a third party or wanting me to take the difficult route of disputing online when I am able BY LAW to just send you a letter. It's easier for me to dispute through letters because I'm able to put it all together in one. I have learned so many things about this process and I'm applying it. I want to apply it without seeming as though my disputes are too advanced for me to have done it myself. It is simple to learn things, especially when it comes to your finances. ALL I WANT IS FOR YOU ALL TO THOROUGHLY REVIEW MY DISPUTES. I am not trying to dispute with laws. There are actual incorrect marks on my credit report that I want removed or updated.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.