davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX I did a consumer credit transaction with Capital One Bank. The total amount of the transaction was for {$2000.00}. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Capital One, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after capital one receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the usps on XXXX and was picked up by someone from the company on XX/XX/XXXX at XXXX from the post office. The documents requested that Capital One respond back to me within 30 days of receipt of the documents and they failed to do so. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XXXX XXXX. this issue was filed on the CFPB and the credit agencies last month and XXXX has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is 28 calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If XXXX fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.
Consumer complaint received 2021-01-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Disputed this account numerous times stating the erroneous violations under FCRA & FDCPA but keep coming back verified. these violations can be {$1000.00} per violation in a lawsuit.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (IL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened an account with Citi on XX/XX/XXXX and I deposited {$15000.00} within 30 days of account opening and deposited additional {$1100.00} within 60 days of account opening. I was promised to receive {$500.00} bonus for opening a checking account however I didn't receiver any. 
I received an email on XX/XX/XXXX saying I didn't meet the requirements so I won't be receiving promised bonus. I reached out to the bank via instant chat app within the Citi 's online portal and got told to call a number. I did as suggested and I was told I would receive the said amount in XX/XX/XXXX. 
At the time of submission of this complaint, I haven't received promised bonus for opening an account with Citi. 
I reached out to the Citi via same channel ( using instant chat available in the online portal ) on XX/XX/XXXX and I got the same exact response from the representative. 
I don't want other people to get tricked into opening an account with them.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NY)

I booked a trip with a company called XXXX on XX/XX/XXXX. This is the XXXX the XXXX time we have used this company over the past 4 years and have never had any issues. This year rolls around and we are in a pandemic and my trip was canceled by the company and they said we have issued you a credit for the amount of the trip. However, you will not receive exactly what you originally booked unless that is available. I knew in my mind that the trip we had planned was not going to be rebook-able at the rate I had received for what I was getting. I had reached out to the company who refused to give me any money back at all. After a week of arguing with XXXX  I went to my bank. I wanted to disputed the 3 charges on my account. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo refused to even dispute the initial 2 because they said visa will not investigate due to the age of transaction. They did issue me a credit that was deemed finalized in XXXX  of 2020! Then in the process of trying to get them to even dispute the initial 2 charges they said the company sent over a signed agreement where you forfeit your right to dispute because of the agreement. I never signed anything. Ever. I finally got the company to agree to give me a partial refund however they would not refund me {$1200.00} due to the airlines refusal to give them a refund. I said no worries wellsfargo already had given me a credit at the time ( prior to the reversal ). In lateXXXX right before XXXX without a warning I go back into my account ( I had already switched everything out due to their terrible customer service and refusal to assist me, but was waiting on XXXX  to give me a refund on my original form of purchase ) and wells Fargo had taken back the credit they had given me without any warning. They just sent my account into the negative knowing I was waiting for the refund and the 2nd stimulus. I called back again and they said we notified you. I said how? I never was aware of anytime that they had reversed the decision. No messages in my inbox. No emails. Nothing. They were waiting. They knew money would be going into that account and preyed on it and waited for the right moment because they knew funds would be available. They need to be investigated for these awful practices.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Consulting Services, Inc. (CA)

Credit consulting is erroneously and illegally reporting collections on my credit report. I contacted XXXX XXXX  who confirmed all bills were paid by insurance but credit consulting is refusing to believe it. I requested them to validate these account and disputed with bureaus, but Credit Consulting just deleted one account then rereported it with a new account # and added new accounts with different # to the bureaus ... this shoudl not be legal to do please help
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2019-04-25
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: SYNCHRONY FINANCIAL (MA)

This is related to account ending with XXXX for Gap Inc. Visa Signature card issued by SYNCHRONY BANK On XX/XX/2018 - there were 2 fraud transactions made on account. I called customer service to ask about the charge and specifically asked if my card details are compromised. Here is what the response was - no there is no issue with the card. And 2 transactions are same amount credit and debit so there will be no impact on balance Then on XX/XX/2018 - there were almost 10 transactions made costing to in total of $ 2000+. I called back again to customer support and then the card was closed. 

In those 10 transactions on XX/XX/XXXX - there was one transaction from XXXX for $ XXXX for which I tried with credit card company to open the investigation 4 times ( XXXX, XXXX, XXXX, XXXX ) but always it got declined. All other transactions were found as fraud and balanced. 

Based on bank investigation, they are claiming that XXXX has shipped the item so charges can not be put in fraud. 

Here are some of questions that I asked to credit card company and never got answer ( credit card company has {$0.00} Fraud Liability claim policy ) : 1. I  have never purchased anything with XXXX, so can they supply a proof that they have any proof of legitimate notification as part of this sale or any notification sent as part of shipment notification 2. If there were so many other transactions that happened on XX/XX/2018 which investigation team found out to be fraud, does it not logically make sense that this might be one too 3. Investigation Team from the bank never reached out to me as part of 4 round of investigations. Not sure how they decided on this fraud case from other side. 
4. I never ordered any thing, neither I got a notification of any shipment so I never collected the package ( as I live in apartment ). So is it not possible that even though XXXX sent the item but package got trashed/misplaced during the holiday period Not sure what next an be done for the same.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I got an alert on my credit about this collection which do not belong to me, I have no knowledge or debt with this company. I contact the Collection agency and the representative could not find any information on me because I have no debt with this company yet it stills appears on my credit. I need this collection of my credit.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

First Interstate Bank is charging my account {$5.00} a month for a service fee. They are not supposed to do this when there is a direct deposit every month. I have contacted them twice and it was supposed to be fixed. Now again in XXXX a {$5.00} fee appears. I have sent letters to the bank and numerous agencies. Your agency has been contacted twice. My complaint # is XXXX. I talked to XXXX by phone and she said now she needs a picture ID, my E-Mail address, phone number, and she asked for my age before she can give me the results. She was courteous. I can not take phone calls on my home phone because it upsets a family member. I prefer to receive mail. The bank said the fee was deducted initially because of the deposit dates. The direct deposit is Social Security. Social Security is the most dependable deposit of funds that there is. If First Interest Bank is deducting funds from all their Social Security customers, they're making a lot of money from people who might not be able to babysit their bank accounts. CFPB needs to look further into this banks fraudulent practices. It's hard to log into an account when there is not a place to so. All the account features are for accounts that already have passwords.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (WA)

On XX/XX/XXXX, I received unsolicited e-mail addressing me by my first name from Chime Bank welcoming me to their bank and letting me know that I will be receiving a debit card from them. 

I did not open an account with Chime Bank, so I searched for a way to speak with someone from the bank to resolve the issue. Calling their ( XXXX ) XXXX number was a dead end, all it did was refer me to an e-mail XXXX XXXX XX/XX/XXXX, I e-mailed XXXX stating that a bank account had been fraudulently opened in my name. I requested the account be closed, and their fraud department alerted. I gave them my phone number for them to call me to resolve this issue. 

On XX/XX/XXXX, I received an e-mail from XXXX : " Thank you for providing that information and letting us know you did not open this account. We have launched an investigation into this matter. We have blocked the account, which will prevent the account from being accessed by an unauthorized party using your personal information in the future. 

In order to formally close this account, we ask that you please provide the following pieces of information to verify your identity. 

Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 

For security purposes, please provide a photo of yourself holding your ID card We will not be able to close this account until your identity has been verified. 

Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG, XXXX XXXX Files or other document formats. ) Kind regards, ******* | Chime Support. 
Chime Member Services '' I do not feel I should have to send them a copy of my ID and a photo of me holding my ID card to close a fraudulently opened account, especially over unsecure e-mail. How do I know what this bank will do with this information? Up to this point, I don't know if they have my full name, address, etc. If I send this information over unsecure e-mail, it may be intercepted by criminals. 

On XX/XX/XXXX, I replied to the above e-mail : Hello *******, I do not want to send personal information ( government ID card ) unsecure over e-mail. Isn't there a phone number I can call to get this resolved? 

Regards, XXXX As of XX/XX/XXXX, I have not received any reply to the above. 

There should be a way to close the account without having to potentially expose my personal information to criminals.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (MA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/2024. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In 2015 a car showed up on my credit that does not belong to me. My identity was wrongfully used to get this car. i do not own this car nor have I ever did. Its showing that the car is $ XXXX behind in payments.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!
Consumer complaint received 2023-05-22
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. (NV)

I sent a letter to XXXX, XXXX XXXX and XXXX, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights certified.
Consumer complaint received 2019-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I had to private student loans that were serviced by AES. The owners where XXXX XXXX in National Collegiate Trust. I served in the military to pay off a portion of my loans. My incentive was a {$65000.00} student loan repayment of which XXXX went toward the loans and XXXX went toward taxes. I initially owed {$82000.00} and after the XXXX was paid my balance was {$78000.00}. My loans were not dispersed correctly, as as was supposed to pay off my private loans before any of my Federal loans were paid. This did not occur. I became XXXX while serving in the military and requested that the owners of the loan forgive my loans based on my service-connected XXXX. I sent all documentation request through AES, who was suppose to forward it to XXXX XXXX and NCT. XXXX XXXX loans were forgiven but instead of AES handling it correctly they sent my account info back to XXXX as a defaulted loan. I was notified of a delinquent account by my dad, who received the letter. This letter almost caused him a divorce and was wrongly sent to him. Somehow my account was transferred from AES back to XXXX in a delinquent status even though they had been forgiven. I continue to pay on the NCT loans and they continue to go up. Currently I am paying only on the interest that was accrued during my military service. The loans have been paid dollar-for-dollar but I continue to have to pay on capitalization and interest which is the only amount due on my loans. I don't believe that AES has forwarded any of my requests to the loan holders, which was confirmed by XXXX XXXX today. I can not get in touch with NCT in order to request the loan forgiveness because there is no phone number for them.