davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I made some purchases at Kohls and there was a promotion to save additional money if you open a Kohls charge account. I opened an account at the store to pay for the purchases that day. I then received a statement on XX/XX/2020, with a late fee. Apparently, the cycled my billing period on the same day that I made the purchases ( XX/XX/2020 ) and they charged me a late fee before I even received the bill or the physical card. 

I called to have them correct the problem and they stated they would remove the late fee and I paid off the complete balance. I even paid them {$1.00} in interest because they could not remove it, even though it should not have been charged because they closed the billing cycle the day I opened it. I tried to access my account online but could not because I had not received the card. 

Two months later ( Tuesday, XX/XX/2020 ), I received the first and only email from Kohls stating that I needed to make a payment. I called them again and apparently they hadn't removed the late fee and had charged me another late fee on top of the initial, erroneous late fee. They stated they would remove the late fee again and to check back before the billing cycle date on the 11th to be sure it was removed. I finally got access to my Kohls account online but there are no statements available. 

I tried to call back on Friday and after 40 minutes on hold I hung up. I tried to call back again on Monday and hung up after 20 minutes on hold. 

Finally, on XX/XX/XXXX I got through to a representative in a reasonable amount of time and after an hour+ on the phone the explaining to the representative the problem, he was able to confirm that my account was paid in full, that they closed my billing cycle the day I opened my account, and that they failed to remove the initial late fee. 

I explained to the rep that I have an XXXX credit score and that they need to correct my credit file if they report me as past due. The rep stated they would submit a case to have the issue corrected but now my credit report shows a late payment and they dinged my excellent credit. 

Kohls has failed to address this issue in a satisfactory manner, they have no escalation measures to address these types of predatory practices and they have not taken the steps they stated they would correct their errors. My account now shows a {$0.00} balance but my credit score is now at XXXX down from XXXX according to XXXX.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I opened a Capital One credit card account on XX/XX/XXXX. Capital One entered a complaint with the court on XX/XX/XXXX for the past due amount of {$6600.00}. On XX/XX/XXXX Capital One agreed to settle the account in full for {$3800.00}. Payments were made to Capital One as agreed and therefore Capital One filed a motion to dismiss the complaint on XX/XX/XXXX. However, Capital One is still reporting an unpaid balance due of {$2800.00}. I have disputed this as inaccurate with the 3 credit bureaus to no avail. I am requesting that Capital One be persuaded to report the account accurately, that the account was legally paid in full for less than the full balance and the current balance is {$0.00}.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (MO)

I was once a memeber of Navy Federal back in XXXX, I went out one night in XXXX, FL ( the biggest scam city ) and someone started depositing fake checks into my account and making transactions. I XXXX everything down like I was supposed to and contacted navy federal immediately. An investigation was open but no one ever reached out to me about my case I found out that my account was closed and that I would be left with the {$500.00} balance In order to get my bank account back. I have been reaching out to the bank for years and still nothing but I am responsible, I havent had a bank account since because Im too afraid and it seems like I cant get one. I also was able to request the fake checks they were sent to my house just to show as proof that this isnt my handwriting. Im XXXX XXXX XXXX and its sad to say but I dont even know how to write a check. I just want my bank account back.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is fraud never had a apartment in my name, remove this account immediately. this address XXXX XXXX XXXX XXXX XXXX CA, XXXX Does not belong to me I never live there at all!!!!! Please remove from my credit file immediately
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (FL)

The following unauthorized inquiries on report need to be removed immediately from credit file Equifax is reporting I have attached identity theft report along with License with my current address XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (SC)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-21
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: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I purchased two train tickets for XXXX to XXXX through XXXX. As a result of travel restrictions issued by the XXXX due to Covid-19 I was unable to travel to XXXX. On XX/XX/XXXX I contacted XXXX XXXX to cancel my train ticket and ask for a complete refund. XXXX has a no refund policy and under normal circumstances I wouldn't ask for my money back, but these are not normal circumstances. Also, every other travel organization I booked for this trip to XXXX gave a full refund. 

I was first told that I would get no refund and after a few emails was told 50 % refund on XX/XX/XXXX. I wanted 100 % back. So I disputed the charge with my credit card institution, Navy Federal Credit Union. I received a letter in the mail yesterday, XX/XX/XXXX, stating that I lost my dispute and the case had been closed. Again, if these were normal times I would agree with the decision but I don't accept it now. 

Two points here : 1 ) Don't use XXXX to book travel and 2 ) don't use Navy Federal credit cards if you think you will ever submit a legitimate dispute. Not only is their website cumbersome to navigate, it hasn't appeared to me that Navy Federal supports its customers.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX DOB XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2023-09-14
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. (OH)

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 inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking or removing of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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 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 2023-09-14
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. (NY)

Equifax is not properly investigating my complaint. Information provided by XXXX XXXX is inaccurate on much of the information on my Equifax credit report. Because there are so many errors I will attempt from now on to focus on one item at a time. This dispute I will focus on showing that payments were received on time in XXXX & XX/XX/XXXX. How can I then be 60 days late in XX/XX/XXXX? 
The FCRA provides me with rights to complete, accurate & fair credit reporting. My rights are clearly being violated & ignored.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MO)

XX/XX/2018 I had an unfortunate event happen to me and my phone was illicitly used for someone else 's financial gain. Luckily, at the time, I spoke to a representative of Venmo customer who walked me through how to fix my unfortunate situation. They advised me to call up my bank and have them put a stop payment to Venmo to stop the transaction of {$1500.00}. I followed their advice and did just that. The representative of Venmo told me that everything else would be taken care of. 

I followed their advice. I closed my Venmo account because I felt this application was too dangerous to me and it was too easy for someone to take money from someone else. But all in all, I felt like the situation was amended and fixed. 

Fast forward 18 months, I have now moved on with my life and have moved past the situation except apparently Venmo did not. Even though the customer representative told me the situation had been taken care of and I put my trust in them for the process, they had misled and lied to me. I am now in the process of being harassed by Venmo collections for this fraudulent transaction. 

Venmo doesn't seem to have a fraud department that actually deals with any of this. Venmo never actually got in contact to let me know something was wrong or let me know why their initial conversation was no longer being honored or why it isn't being honored 18 moths later. I have no idea why or how or what's going on. 

I wrote a letter to Venmo, which they never even responded to. Hopefully this can resolve the situation otherwise I will have to keep escalating this situation till it does.
Consumer complaint received 2023-09-14
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. (MO)

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 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 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated XXXX period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

This compliant concerns multiple fraudulent issues on my credit reports as held by TransUnion, XXXX   & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by TransUnion, XXXX  and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.
Consumer complaint received 2019-05-18
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: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I contacted Citibank asking to be removed from market materials. I continued to receive market materials a month later and filed a formal complaint with CFPB ( case XXXX ). Citibank sent me a follow up letter on XX/XX/XXXX addressing the complaint and confirmed that my name was removed from their marketing database. Around XX/XX/XXXX, I received market material from Citibank. On XX/XX/XXXX, I received additional marketing material from Citibank. I left XXXX XXXX a voicemail ( Executive Response Unit that was listed on the Citibank letter XX/XX/XXXX ) informing her that I have started to receive marketing material, which is in violation of their agreement with me. I also stated that I would again be filing a complaint with CFPB.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 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 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I have a credit card with Comenity bank, also known as XXXX XXXX. I setup autopay on my account on XX/XX/2023 to make sure that the statement balance is paid by the due date and I do not have to pay finance charges/late fee. My due date was on XX/XX/2023 but the issuer bank did not transfer money from my bank account. Their representative called me on XX/XX/2023 that I have an unpaid balance and if I would like to pay it. When I asked why the money has not been debited from my bank account despite setting up Autopay well in advance of the due date, I was told that the autopay is effective only after XXXX billing cycles and I am responsible for making the payments myself till it takes effect. 
When I checked, I found that I have been charged interest charges of {$31.00}. I sent them an email asking for reverting the charges back, I was given the same response, i.e., the autopay takes effect only after XXXX billing cycle and the finance charges are correct and can not be reversed. I sent another email protesting that it is not my fault that your bank takes so much time setting up autopay, and I should have been informed before the due date that though there is an autopay, the payment will not take effect, but the bank rep is sticking to their argument. These charges are wrong and should be reversed.
Consumer complaint received 2023-09-14
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. (PA)

I'm reaching out today to file a complaint regarding an incident of identity theft that I've experienced. After conducting some research on how to address the fraudulent inquiries on my credit report, I discovered that I need to visit https : //www.ftc.gov to file an identity theft report. According to FCRA section 605b, Credit Reporting Agencies are mandated to remove and block any inquiries that are listed on an identity theft report. I have also attached the necessary documents to aid in the removal or blocking of this inaccurate information that is currently appearing on my credit report. Below, you'll find a list of inquiries that are not associated with me or were opened without my consent : EXPERIAN : 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. 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.