davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
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 (CO)

This company has charged back several disputes based on their own opinions. I let the XXXX go for a flight I NEVER took and company promised the credit would be returned and NEVER did. So I turned to capital one and they charged it back with no proof I took a flight or reaching out to company. I let a XXXX transaction go for an item that was ALLEGEDLY left on my door step go and states it was delivered because there was a tracking number. But I never recirved this alleged item and refused to let me dispute it again. I called and advised them I didn't authorize a XXXX transaction for a car deal that was being disputed and now they are attempting to charge it back. The company hasn't responded. I didn't state fraudulent or contested this charge back. I stated It wasnt authorized at that time on XX/XX/19. I was in process of purchasing a vehicle and it sat on their lot for almost a month. And still haven't provided the guaranteed work on the vehicle.. And company didnt abide by the contract. The reps are putting in disputes as a reason for whatever they decide and consumers are being held liable for transactions they can not confirm on facts was received or delivered. I NEVER stated it was fraud I stated was not authorized at the time of the charge and XXXX XXXX didn't abide by a written agreement. We are still in a contract dispute because promises weren't kept. Clearly they don't listen to calls when customers call in for disputes. The rep XXXX XXXX Just stated being charged back because a chip was used. Never stated I didn't give them the card it wasnt supposed to be charged at that time and still haven't been resolved with contract. AND FOR HER INFORMATION CHIPS CAN BE UTILZED AND DUPLICATED. I have proof of this when my capital one debit card was used to deduct cash in Texas while I was at work in COLORADO on SHIFT and capital one STILL hasn't advised me how my card that was n MY possession was used and my ENTIRE check deducted from an ATM in Texas. And they credited THAT back AND IT HAD A CHIP. 
Funny it was a capital one card that was embedded with EMV chip to prevent access by counterfeit card. Since she's utilizing this as a reason to charge back the XXXX. Even though that wasn't the reason for initial dispute.
Consumer complaint received 2019-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Basically, since XXXX with Transunion I have been asking them to place back my XXXX XXXX XXXX account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX  and XXXX. I have reached out directly to Transunion via phone, and even mailed in my payment history to them directly from XXXX  from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted XXXX XXXX XXXX, they keep telling me the issue lies with Transunion.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I received an escrow refund from Mr. Cooper in XXXX that was sent to my previous mailing address at XXXX XXXX XXXX XXXX. I have not been there in a year and was lucky enough to have my mail still forwarded. I also receive Marketing materials sent to my previous mailing address however receive my bill at my current mailing address. 

I have two mortgage loans with Mr. Cooper and due to this error requesting a list of all escrow refunds for my account in the last 13 years and a confirmation that the checks have been cashed by me. I have moved at least 7 times in the last 13 years. 

Account XXXX Account XXXX Additionally called today XX/XX/2019 to inquire on why I have an overdue payment amount is due in the amount of XXXX on account XXXX and they stated it had to do with an escrow payment that is due. I want an explanation on why I received an escrow refund and then I owe you for additional escrows. I waited an hour to speak to a representative and she had the nerve to ask if I wanted to be transferred to the escrow department. I said absolutely not, you can answer to the CFPB.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-03-25
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. (MA)

Received " your card won't be reissued '' letter dated XX/XX/XXXX from XXXX " due to a bankruptcy or a charge-off '' Phoned XXXX, they say they can not say reason, and to check Experian. 

Credit reports from Experian and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.
Consumer complaint received 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I recieved a Vanilla gift card XX/XX/2020. I used it a few times, and at some point the card was put on hold. I have called the company twice to unhold the card, they said they would open a case and mail me a dispute form. I never received the form either time. Most recently was about a month ago. The case number is XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I am resubmitting my complaint trying to get my EQUIFAX credit report I have been trying since XX/XX/2019. this company is asking me to resend my personal information yet again and what they are asking for I have already sent this company. I have refused to send my personal information in the mail again and when I did send it I received two letters from Equifax XXXX first letter dated:XX/XX/2019 and the second letter dated XX/XX/2019.And now I have received letter number 3 dated XX/XX/2019 asking for more personal that as I have stated above has already been send letter # 3 is from XXXX XXXX.CFPB I JUST WANT MY FREE ANNUAL CREDIT REPORT PLEASE HELP!
Consumer complaint received 2019-03-25
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: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/2019 a criminal ( or group of criminals ) used my American Express Bluebird card number ( issued by American Express XXXX XXXX XXXX XXXX, XXXX ). These were 65 consecutive retail transactions done in the state of Missouri. I live and work in the state of Minnesota. 12 of the scams were done at different XXXX XXXX Stores around the XXXX XXXX, Missouri area. I've not been in that area for over 10 years nor have I ever shopped at a XXXX XXXX Store in my 55 years of life. I was told by the company when I called on XX/XX/XXXX that I had to wait until the 65 transactions settled. They all settled the next day XX/XX/2019. I then called back and issued a fraud report. I was told by the rude customer support person that I needed to complete their fraud form. I spent over an hour completing that form, detailing each of the 65 consecutive transactions. I told them I was shocked that their " fraud prevention system '' failed to flag this behavior and stop it before it gouged me for over {$8900.00}. I just received a very curt email from Amex today ( XXXX ) saying : " Hi XXXX XXXX, Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$8900.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team
Consumer complaint received 2023-09-13
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)

I have disputed unauthorized account ( XXXX XXXX XXXX ) on my Experian credit report starting in XX/XX/2023. As of today, the XXXX XXXX XXXX XXXX account is still on my Experian report. Experian has failed to properly investigate this fraudulent account and continue even after I sent an FTC affidavit listing the account as fraudulent. This is also a violation of 15 USC 1681b permissible purpose.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank- Torrid card was sold to another creditor XXXX XXXX XXXX XXXX XXXX XXXX, and this account has been settled and paid off as of XX/XX/2023.
Consumer complaint received 2023-09-11
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. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX ; XXXX and Transunion are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I dont know what to do or who to contact. Thus why, every time I try calling the company/ies the person/representative begins to become suspicious and I end up hanging up because I think its fraudulent help in obtaining my personal info.
Consumer complaint received 2024-11-22
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (FL)

I ordered XXXX tires from XXXX and paid for them with gift cards. The tires were supposed to be shipped to the store but they were not there when I went to have them installed. I have been promised on XXXX separate occasions that a full refund would be issued and that I would receive a replacement card electronically but one has not been received.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (UT)

Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Fri XXXX XXXX2019 INTERNET PAYMENT - THANK YOU {$1000.00} Wed XXXX XXXX2019 RETURNED INTERNET PMT {$1000.00} Questionable Charge : Not authorized by account owner Wed XXXX XXXX2019 REPRESENTED INTERNET PAYMENT - THANK YOU {$1000.00} XXXX XXXX 2019 Why was a returned payment resubmitted without my notice or permission? I only authorized the initial/single payment.

Re : Online Payments [ # XXXX ] Please note if a payment is returned due to insufficient or uncollectable funds between {$5.00} and {$2400.00}, the payment will automatically be resubmitted once. This means the payment will be attempted two times total.

I don't care what the amount, they have NO right to dispense my funds beyond my initial request. I request the bank pay my fees incurred at the other end of the payment process. Discover Card is liable for fees incurred on the other end due to their irresponsible and unauthorized handling of my money.

Discover Card also needs to stop the practice of requisitioning account holder funds to meet their own ends.
Consumer complaint received 2023-09-11
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. (NV)

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX. 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C-2 states to Block Except as otherwise provided in this section, a consumer reporting agency " shall block '' the reporting of 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 by such agency of *I have never given the credit reporting agencies a written notice with my consent with proof of identity, ( they have none of this ) to then report any of these fraudulent accounts on my credit profile. I sent all the necessary documents under FCRA 605B to block these items, yet they still remain. If you have written proof of me opening these accounts with my identity and contracts bearing my signature? prove it! If you have written notice of me stating for y'all to allow such reporting on my credit profile? prove it!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-09-11
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. (MS)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-04-25
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. (FL)

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX XXXX  was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions The Credit bureaus XXXX and Equifax stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced  us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not  arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH