davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit 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: Comerica (IL)

In XX/XX/XXXX I discovered a fraudulent charge of {$120.00} on my Direct Express account since XXXX of XXXX. I reached out to XXXX regarding the charge, and after an investigation, XXXX confirmed that they had no record of the transaction, or any related account tied to that charge. Despite XXXX 's statement that they did not make the charge, the {$120.00} remained on my Direct Express account. This account is connected to my Social Security Account. 
In XXXX, I successfully received a refund of {$170.00} for the same charge of fraud on my account, for the same issue. However, despite XXXX 's confirmation that they did not authorize the {$120.00} charge, Direct Express denied my request for a refund. They cited a 120-day statute of limitation for disputing transactions as the reason for the denial, even though fraudulent transactions typical do not fall under such limitations. Direct Express requested receipts for a fraudulent charge. This refusal to refund my {$120.00} persists despite evidence of fraud. 
LEGAL DISPUTE Truth in Lending Act ( TILA ) - 15 U.S.C sec 1601 et seq. Credit card fraud protection is not subject to the 120-day time limit, because fraud is considered an exceptional circumstance.

Regulation E. 12 C.F.R Part 1005 Implements the EFTA. Liability for Unauthorized Transactions. Regulation E protects consumers who experience unauthorized transfers or withdrawals from their account. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a federal court ruled that banks must thoroughly investigate fraud claims and can not rely solely on arbitrary time limits to deny legitimate disputes involving fraud.
Consumer complaint received 2022-11-14
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. (NV)

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

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

XXXX XXXX  XXXX Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-14
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)

XXXX XXXX is demanding once more in this CFPB complaint that the credit reporting agencies delete the challenged fraudulent accounts that are still included on my credit file. The Credit Reporting Agencies must delete any accounts and information that were the product of identity theft in accordance with Fair Credit Reporting Act Section 605b. I was once more a victim of identity theft, and this is another request to have the data that was obtained through identity theft removed from my credit file. You must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than four business days following XX/XX/XXXX. This report was also included in my prior letter, and I'm sharing it once more. Additionally, I am UNKNOWN by you and REMOVED from other bureaus, so I have my doubts about the accuracy of the information you provided on some accounts. The following accounts should be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXXXXXX 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 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. The Credit Bureaus continued to record the disputed accounts on my XXXX XXXX despite their failure to deliver me copies of their investigation 's proof of verification! The accounts should be deleted right away since the Credit Bureaus ' activity violated a consumer 's rights under the FCRA.
Consumer complaint received 2023-11-01
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: DISCOVER BANK (WI)

On XX/XX/XXXX with a single charge, a cellphone with a cellular service plan was ordered from XXXX XXXX for {$190.00}. 

XXXX XXXX failed to ship both the cellphone and SIMs to utilize the cellar service plan. 

On XX/XX/XXXX XXXX XXXX refunded the - {$150.00} charge for the cellphone, but they refused to refund the cellular service plan charge of {$40.00}. The XXXX XXXX representatives said they were unable to. They advised I should dispute it with credit card provider. 

A dispute was opened with Discover on XX/XX/XXXX for {$40.00} and they ruled that the charge was valid. No product was provided, no service was activated. The merchant failed to provide information and equipment to utilize the service even without the cellphone. 

Discover was contacted to find out why the dispute was ruled for in the merchants favor. They were very rude, would not provide a reason, and referred me to the web portal. The merchant provided dispute PDF XXXX was corrupted and unreadable. 

I am seeking the assistance of CFPB to help provide more information on why this charge is can not be refunded.
Consumer complaint received 2023-11-07
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. (TX)

I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed. 

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

I got a notice that I had a overdue 90 day late bill on my report, so when I checked it, it showed a Macy 's Citibank card, I never opened this or used Macys cards. I contacted Macys they verified that they had my correct social, but the phone number and address did not match me. They closed the account.
Consumer complaint received 2022-11-14
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. (TX)

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 XXXXXX/XX/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 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/23 I deposited a cashiers check which is cash. The bank put half my deposit on hold I called and was advised to call back on Tuesday to have the additional funds released when I called back on Tuesday I was advised that the hold would have to remain. I dont understand how a check that is certified funds can be placed on hold for a whole week. Its unacceptable and a better policy needs to be put in place for guaranteed funds. The bank does not have any walk in locations where Im located and should not be allowed to tie up peoples funds.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX is defrauding consumers with deceptive late fees. After opening an account to build good credit, I attempted to pay off my balance online, only to find the payment option grayed out. When I called the provided number, I was informed of an unexpected late fee. Despite paying my balance and being assured there would be no further charges, I was repeatedly hit with late fees as they continued to move the payment deadline. I ultimately closed the account, confirmed I had a XXXX balance, and was told there would be no future charges, but the fees continued. This company has failed to disclose critical information, moved goalposts, and engaged in practices that seem fraudulent. I demand the immediate removal of this item from my credit report, as they have not acted in good faith.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

I PAID ROUND POINT ON XX/XX/XXXXXXXX  {$2400.00} ( TIMELY ) FOR MY PRIMARY HOME MONTHLY MORTG. PAYMENT. 
IT HAD COME TO MY ATTENTION A FEW WEEKS LATER THAT THE REGULAR MONTHLY PAYMENT HAD CHANGED DUE TO AN ESCROW SHORTAGE AND I OWED {$190.00} ( and paid the balance XX/XX/XXXX ). I GUESS I WASN'T THINKING ABOUT IT TOO MUCH BECAUSE MY BABY DIED ON XX/XX/XXXX. I HAVE NEVER MISSED A PAYMENT. 
ROUND POINT DID NOT APPLY THE PARTIAL PAYMENT BUT RATHER FILED A MISLEADING STATEMENT FOR NON-PAYMENT WITH ALL THE CREDIT BUREAUS WHICH HAS SIGNIFICANTLY DAMAGED MY CREDIT AND REPUTATION.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Capital One due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, 15 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as Capital One, have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. Capital One 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations. 

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. Capital One 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. Capital One 's actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes. 

I demand that Capital One remove the late payments from my credit report as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Consumer complaint received 2023-11-01
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2023-11-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Dave Operating, LLC (CA)

I had a pretty pay Dave account before with XXXX XXXX  an someone did the transfer as well I'm victim of identity theft sense XXXX with full name dob birth certificate I would like to know why XXXX benefits come out every year income taxes also getting ssi income an I'm not getting anything of it as well my social media an everything is being hacked as well my name Is XXXX XXXX XXXX XXXX XXXX this transaction went in XXXX with XXXX please pull full investigation as well as my email says income tax information has change I ain't done income taxes only once in my life in XXXX it had the app open foreign transactions that's how that transactions happen
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-29
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. (TX)

I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Consumer complaint received 2017-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (KS)

I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.
Consumer complaint received 2017-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

For the past 5 years I have had difficulties making payments. Yet the Navient n XXXX XXXX reps I always spoke too basically have been telling me that since I get food stamps n cant afford to pay to just keep putting my loans in deferment and/or foreberance until I get back on my feet. I have BEGGED THEM TO PUT ME ON A PROGRAM BASED OFF THE XXXX/MTH i get bt they have told me SEVERAL times A MINORITY and that forebearance n deferment IS ALL THEY HAVE FOR ME unless I win the LOTTERY and pay them ALL that I owe them.