davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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 — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P. (IN)

We stopped using XXXX nearly 3 years ago and cancelling our account resulted in charges and fees which were very hard to verify. They would sent people to our home to collect equipment and then contact us for payment for unreturned equipment for over a year. The same thing happened with the balances owed. XXXX has sent this to collections multiple times and we disputed it every time asking for proof of the debt. The debt collection company they used sent us proof and then we notified them that it was not a bill or anything we could reconcile showing we owed XXXX for services used. We also provided an updated phone number to that debt collector to reach back out to us when they had some proof. When checking our credit we found that XXXX had changed the debt collector on the account  who we do not show any correspondence from, nor phone calls. I answer even spam calls and they have not reached out one time. XXXX moved this debt from another collector and never updated our phone number, giving us no way to know there was an active collection against us. They are not willing to remove the inquiry from our credit report and to date have not shown proof of the debt. As a company they do not understand that their system is broken and they try to charge consumers for things they do not owe. Like equipment returns. If there are then other payment disputes consumers will be weary to pay what seems to be false charges.After trying to collect for equipment that was returned for a year and then saying we owed money for something a year after we ended the service would seem suspicious to any person.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CT)

I have a Macy 's American Express card for a long time. However, when I visited a Macy 's store on XXXX XX/XX/year>, the associates at the check out counter mentioned I should get my Macy 's AMEX card upgraded to Macy 's Store Rewards card. I told them I don't need another credit card and don't want a credit inquiry on my credit report. The associates insisted that its an upgrade to my current Macy 's AMEX card but not a new card. They have repeatedly mentioned that there won't be a hard credit inquiry on my account. I told them many times that the last thing I need is a hard credit inquiry but they assured there won't be any credit inquiries. However, I noticed a hard inquiry on my account and received a new Macy 's Rewards Credit card in mail and now I ended up with two credit cards for Macy 's store. Overall, I realized that the associates at Macy 's store provided me with false information and tricked me into getting a new credit card.

I tried to resolve the issue with Macy 's Credit Services but unfortunately the response was not welcoming. They have told me that its my fault providing the SSN at the time of store visit. I tried to call XXXX as well to resolve the issue and get the credit inquiry removed from my report but they mentioned they can not help me with this request. 

As a last resort, I am submitting the complaint here to get the recent Macy 's Credit Inquiry removed from my Credit report. I would also like to make sure that the associates at Macy 's store do not trick other customers with new credit card applications and credit inquiries.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

" Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue with a bank account that was paid off and closed with XXXXXXXX XXXX  XXXX. '' This action was taken in XX/XX/2020. I have reached out several times about the matter. I was told by customer service everything will be update
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

US Bank has assessed an unknown amount of fees on an account after the account holder 's death. They refuse to provide details about the account or refund the fees. 

My father was a US Bank checking account holder. He passed away unexpectedly on XX/XX/XXXX. Needless to say, I was very devastated. I contacted US Bank following my father 's passing in XX/XX/XXXX. I was asked to provide my father 's death certificate as well as my personal information to establish I am next of kin. I provided all of those items. 

US Bank then advised that Missouri requires a small estate affidavit to release the account. 
I contacted a probate attorney in Missouri who advised me that I needed the account number and balance to provide to the Court ( they need to verify the account and amount to ensure statutory compliance for small estates ). 
I was refused the account number by US Bank on claimed legal grounds, but never provided grounds outside of " policy ''. 
My attorney then advised that I was required to wait for the creditor claim window to close if I could not provide the account details. 

We waited until that window closed to file the petition with the Court. 

I received a letter on XX/XX/XXXX from US Bank indicating that they were charging " dormancy fees '' on the account. 

My attorney filed the probate petition in XXXX and I received the affidavit of XXXXourt allowing the funds to transfer on XX/XX/XXXX. 

After the petition was filed, I emailed U.S. Bank on XX/XX/XXXX to alert them the petition was able to be filed and request someone to address these fees on the account. I did not receive any response. 

My father 's account started at a balance of {$8100.00} in XX/XX/XXXX. 
As of XX/XX/XXXX, the balance was {$7600.00}. 
As of XX/XX/XXXX, the balance was {$7400.00}. 
As of XX/XX/XXXX. XXXX, the balance was {$7300.00}. 

I have requested a daily accounting of the account and a refund of any fees assessed by U.S. Bank. They refused to provide me any other account details, so if any auto-withdrawals were being taken following his death, I do not know and could not stop them. I requested dormancy fees be refunded, as it was US Bank 's own policies that prevented me from initiating " customer activity '' on the account. 

I requested all internal policies as well as legal bases for denying me the account I am unclear as to what was withdrawn from my father 's account following his death. They refuse to refund the fees, and refuse to cooperate to provide account details. They stated, contrary to any legal authority I could find, I was required to open a full probate estate. That would cost over {$5000.00} in attorneys fees. I have indicated that I will issue a subpoena ; however, they are refusing to provide any details or bases for their denial of this information.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-04-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This company is reporting to my credit report. I have never done any business with this company and I do not owe them any money. After my own investigation, they bought an account from a company that was created with my stolen identity. They are erroneously reporting to my account. Delete this account from my credit report in accordance with FCRA 605 ( b ).
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (AR)

XX/XX/year> To : Tx XXXX Of Attorney General, TX Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX, XXXX and XXXX. 

XXXX XXXX to XXXX XXXX XXXX, XXXX TX XXXX XXXX has failed to respond to any of my phone calls or letters. 
This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of XXXX, XXXX and Experian.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau he documents needed are a picture ID, a bill, and a letter from a advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-14
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. (GA)

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/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, XXXX still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( 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 dispute from the consumer or reseller.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX occasions, I asked Experian to remove an incorrect New York residence address be from my account. These requests were made to Experian on XX/XX/year> and again on XX/XX/year>. Following the first request, Experian responded by stating that this incorrect address was provided to it by a reporting company and would not remove it. 

I made the same request to XXXX XXXX XXXX. XXXX responded by stating it can not update my personal records with Experian. 

On the last occasion, XX/XX/XXXX, I provided an affidavit confirming that I do not reside and have not resided at this address. This was mailed to Experian and also a reporting company, XXXX XXXX XXXX on the same date. No response has been received. 

They are pointing to one another. This would be otherwise humourous but it is not.

Would you please intervene to resolve this issue. I expect that the same issue may exist with other credit reporting companies. Would you please insure that they each take similar remedial action.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I am a survivor of Human Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking.

Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 1XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (ID)

I activated the offer for XXXX XXXX XXXX on my Ace Elite Netspend account. The terms stated that I would get {$40.00} back for making a wireless plan purchase of {$65.00} or more. The offer was good for all of XXXX and I made the purchase on XXXX. I should have received the cashback within 5 business days but I haven't. XXXX XXXX is refusing to pay out the cashback.
Consumer complaint received 2024-10-22
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. (FL)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX  Nature of Complaint : On XX/XX/year>, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : XXXX. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
XXXX. This account is so far up to date in payment, the entire debt was paid. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ), that you, the Experian credit reporting agency, block information on my consumer credit report that stems from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. XXXX XXXX, Account XXXX : XXXX bal. {$390.00}. Receivable management bal. {$310.00} Account number XXXX These accounts have led to numerous hard inquiries and fraudulent collections on my XXXX credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX XXXX, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 5 accounts in Capitol One bank. With one of my checking accounts I have bill pay. I received a notice from my home insurance company that my homeowners was going to be cancelled for non payment. Out of fear I sent another payment on XX/XX/XXXX of {$170.00} with penalty because it was Sunday and banks closed for information. Called XXXX XXXX XXXX who stated never received my payment. I called capitol one and spoke with a gentleman by the name of XXXX. He said the payment was sent on XX/XX/XXXX. I said today is XX/XX/XXXX. Please tell me what to do. I was advised to call and make a payment over the phone. My response was my payment of {$150.00} was not made by Capitol One and floating around somewhere and yesterday I made another payment with a penalty of {$170.00}. Now your asking me to call insurance company and make another payment. He transferred me to the claims department to XXXX. Who told me He would take care of it. I wanted assurance that XXXX XXXX would be notified of their mistake. He said he could not do that. I asked to speak to a higher up he said I can't they are in the back office than he hung up on me. This experience was a total nightmare.