davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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 (FL)

I filed a disputed charge with CapitalOne which while we have not disputed many charges, we have been with CapOne for a very long time and they have a long history of mismanaging disputes which I think their continued failures falls very well into the scope, well, outside the scope of the Fair Credit Billing Act. 

They declined the dispute stating did not provide sufficient information but I believe their policy is first just deny all claims which I am certain most people accept that finding and it's a very effective 'strategy ' and I would hope the CFPB looks at their statistics for this! I provided very sufficient evidence as what we received was not what we were supposed to receive and what we paid for and what I provided proved that conclusively. I sent the proof of the brochure that clearly showed where the folds would be. I sent a brochure as received which clearly was different from the proof and because of it, the brochure looked 'sloppy '. I also provided another brochure showing how if the company had reviewed the brochures they would have easily caught the issue as it just required a simple re-alignment and could clearly see how much better the brochure looked when folded properly. Of course it's unrealistic to refold 5000 brochures and the company was given the option to have the brochures returned which they declined. 

Now anyone could see the issue unless their policy is just deny all claims, that is about the only explanation for this. Yes, their form requested various information that was not relevant or did not pertain to the core issue which strategy # 2 is probably to ask for so much information the customers just give up. Strategy # 3 is not have an online form and do all of this on a paper form which is another inconvenience ... 

What CapitalOne fails to realize is that some consumers like myself primarily use credit cards for the protection they are supposed to provide. I do not need credit, we do not carry balances ... so once that protection disappears, we most certainly can pay by other means. 

Case # : XXXX
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

To Whom it may concern, I have contacted the creditor SYNCHRONY BANK in XX/XX/XXXX. 

I noticed that the account information between XXXX, XXXX, XXXX  DOES NOT MATCH. 

This account is under XXXX XXXX XXXX SYNCB/CARECR XXXX which is reporting erroneous, inconsistent, unverifable account information. 

The date opened, date closed, date of last activity, credit limit, date of first delinquency. 

I sent a letter directly to the Synchrony Bank which was delivered on XX/XX/XXXX by certified mail and they have not responded in 30 days as required by the FCRA and they did not update the account as disputed AS THEY ARE REQUIRED. 

I also sent a letter directly to the XXXX to conduct an investigation which I also did not receive a response which was delivered on XX/XX/XXXX. TODAY IS XX/XX/XXXX. 

This account should be removed NOW and all reporting should cease immediately. 

The Creditor is aware that the account fields of METRO2 is their industry standard and require MAXIMUM POSSIBLE ACCURACY given the criticalness of the automatic underwriting process WHICH ALL lenders use to provide me lines of a credit, a vehicle loan and a mortgage. 

Thank you Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-04
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 XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX 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 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

I am one of the many people affected by Comenity banks " update '' in their system. This update is now going on 2 weeks. I have not been able to log in to my account online nor have i been able to reach a rep via phone. Their automatic system, when up and running, will tell me my balance. They claim we can use easy pay, but that has hung up on me, also dont trust easy pay option after reading comments online about others who have tried to use this feature and have received no confirmation of payment. This company keeps posting that they are working on it but thats about it. Sorry but a system update does not take 2 weeks.
Consumer complaint received 2022-06-23
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. (MI)

I submitted a dispute for all my accounts in XXXX of XXXX, subsequently the XXXX XXXX XXXX XXXX XXXXXXXX was disputed as well for inaccurate reporting. Although, I disputed the type of account and the way the information was reported in the payment history. I have attached a copy highlighting this erroneous furnishing. Please look at how the months of XXXX of XXXX goes from a 120 days late to 90 days late then back to 120 days.
Consumer complaint received 2020-11-19
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. (VA)

I have made several attempts to have a bankruptcy that does not belong to me removed from my credit report. However Transunion continues to report the bankruptcy and stated that it had been verified by XXXX XXXX. Although XXXX XXXX has deleted this information from their files because it was not my information. So how is it possible that Transunion verified this information with XXXX XXXX.
Consumer complaint received 2022-08-20
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. (IL)

This is XXXX XXXX submitting this CFBP complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of Identity theft. This complaint is my 3rd Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agrncies are required to remove any account which was 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 information relating to any transaction by the consumer. with the provisions of the FCRA section 605b, I am requesting that you remove the following accounts completely from my Credit Report ; XXXX XXXX  XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2019-10-23
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. (TX)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (IL)

XXXX XXXXXXXX and XXXX XXXX XXXX is sending me to collections for an error they made. They ( their admissions department ) and their receptionists claimed my insurance would be covering me in error and then one day when I show up for an appointment Im told they never accepted my insurance and I owe them XXXX dollars. I have no money and a XXXX wife and they constantly harass me over their mistake.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

Rent Debt is stating I ( and my husband ) owe XXXX for vacating the XXXX at XXXX XXXX XXXX. 

The leasing manager at that time, XXXX told us in XXXX of 2019 that if we moved out and gave 60 days notice we would be okay and they would take care of us as far as any fees are concerned because she would have no problem leasing our prime location, 1st floor apartment. The alternative was hoping to get us a 3 bedroom in the community as I was pregnant and there was no room in a 2 bedroom apartment for what would have been 5 people. I did not get this in writing as she had been  the manager our entire time there. We did give 60 days notice. 

2 weeks before move out XXXX was transferred to who knows where and the new manager had no knowledge but would reach out to her and take care of us. Clearly she did not. 

Upon move out I was not told of any fees from the complex. Rent Debt is trying to collect. They are rude, and unhelpful. I also have a charge for a pet fee. I have a service animal. Im a United States XXXX XXXX XXXX with a service animal - a well trained one - what clean up fee does a house trained dog require? They charged me to clean the carpet, I can understand that. After 2 small boys lived there I would want them cleaned too but what is the pet cleaning? Its outrageous and a scam at best. 

My apartment was leased IMMEDIATELY after we moved out. I know because I went back because I left a doormat out on the patio and thought I could grab it but someone was already moving in 1 week later. So why the fee?? 

I called rent debt to ask what they needed from me to paperwork wise to get this resolved. The rep said whatever you want to send. Im like okay so do you want my dogs papers? Do you want my 60 day notice? Do you want my XXXX paperwork showing why we were leaving? He said whatever you want to send. WHAT??? What kind of person works in customer SERVICE and forgets theyre there to provide SERVICE like??? Honestly disgusting and disappointing.
Consumer complaint received 2022-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

Ian exiting forbearance and was approved for state grant it was approved and sent to my servicer Mr Cooper and they say they have yet to receive and this after I was approved for a loan mod that they sent with someone to my house only to deny the mod the next day I am now behind on my payment yet again because of this
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo implemented a new policy that prevents anyone from exchanging foreign currency at their branches without having an account with them. 

In the past it used to be possible to go into the branch and exchange currency for a fee with proof of I.D . This is no where indicated on their website and customer service has been unhelpful, this makes it impossible to exchange money in the entire State of Alaska since they are the only major institution in the state that can do any kind of foreign exchange. 

I wanted to exchange a XXXX Peso bill back to USD that was acquired on vacation. All WF branches refuse to help or even explain the reason why this policy is in place, there is no other means to get my money back unless I open an account with WF. 

This policy is not only misleading, it forces you to open a product with them that allows a monthly service fee to accrue.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-01
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. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX 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 a acount without my written instructions. 

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federals authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of Navy Federals complex processes related to the posting of transactions and whether they will incur an overdraft fee.
Consumer complaint received 2022-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (MN)

XXXX XXXX  unknowingly signed me up for classes Now I am being harassed by a different bill collector every day, claiming I am a student at XXXX XXXX XXXX XXXXXXXX campus and that I owe them money, I have never even applied for admissions there. 

Illegal debt collecting practices : -- -Taken away my right to find out if the debt is legitimate by constantly switching the debt collector so far there's three and two days that have contacted me this week. Also I can not find any student enrollment information as XXXX XXXX  is gone and I never applied or was enrolled in Arizona. 

-- - The calls, the emails, and the letters keep coming. This week 3 different collectors in 2 days. This new " phantom debt from XXXX that just appeared this week. I work nights this is very taxing on me to have to wake up to debt collectors phone calls. I'm constantly sorting through emails and letters that is being sent to me from unknown people with an unverified debt. I'm doing my best to track down this debt and I have to stay up at ours that I'm normally asleep to contact people. 

-- the deck collector is saying that in XX/XX/XXXX I was enrolled in XXXX XXXX XXXX  XXXX campus and signed up for an XXXX  class and then dropped it. There's no record whatsoever of me ever being enrolled or applying and XXXX XXXX XXXX XXXXXXXX campus. XX/XX/XXXX I was fully enrolled in XXXXXXXX XXXX XXXX XXXX and using FASA loans. 


I got scammed from a fake university called XXXX XXXX  that was claiming that my FAFSA would cover the classes. That was not the case. Here is the lawsuit see the link at the bottom " XXXX XXXX judge fines ex-owner of XXXX XXXX  $ XXXX for bogus admissions tactics '' I had signed up for one class that I was going to transfer to XXXXXXXX XXXX XXXX XXXX where I have been since XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX After I signed up for the class they told me I was gon na have to pay cash after I started attending so I said I'm not taking any more classes I won't sign up for anymore. I finish the class and pay the debt in the company went under. It got sold to XXXX XXXX XXXX  XXXX campus. I called that new campus to make sure I didn't have any outstanding debts from the scam. I also called to see if I can't get my transferred credits via use of my transcripts which they did not have or any information on me whatsoever. 






Here is the link to the ruling XXXX  : XXXX
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (TX)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (AR)

XX/XX/2021 I made two transactions in the amount XXXX and XX/XX/XXXX I made three transactions in the amount XXXX and XXXX Thru XXXX XXXX but all 5 transactions cancelled immediately so no process was taken as clarified by XXXX XXXX. But the money was taken from account any ways and never refunded rightfully to me instead I go back and forth with card.com and money file another dispute on XXXX turn in supporting documents to get them to see what is the 100 percent truth. I was told that this process would take 5 days but no one ever got back to me it was well ova 40 days when decided to tell me no error was found. I need to contact XXXX  which stated the transactions was canceled I asked for them to put that in writing no one was able to. I rreach out to the XXXX CARD.COM STATED TO THEM THAT XXXX STATED NO TRANSACTIONS WAS CANCEL THEY PROCESS NEVER CANCELED WHICH IS AN FALSE STATEMENT OF SUCH BUSINESS
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (GA)

To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent accounts.