davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I recently noticed a hard inquiry on my credit report made by Capital One Bank. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted Capital One Bank. They said it was due to an application for a Platinum credit card, which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through Capital One Bank. I assured Capital One Bank that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by Capital One Bank. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the three credit bureaus, XXXX, XXXX and XXXX but I had trouble finding the right documents to file at the three credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the three credit bureaus as requested by Capital One Bank. The inquiry by Capital One Bank was done on XXXX XXXX, XXXX. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The Capital One Bank associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and Capital One Bank would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as 30 points. I am filing this complaint as requested by Capital One Bank as a victims report of fraud to be forwarded to the three major credit bureaus. 
Thank you, XXXX XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have a CitiCard with Costco, and whenever I try to pay my balance in full, CitiBank puts a hold on my payment. For example, today ( XXXX/XXXX/2017 ), they ( CitiBank ) claimed that my payment for {$1900.00}, posted on XXXX/XXXX/2017, is " out of character '' and late. They claim that they are not using the money for any other purpose, no bank is going to let money just " sit there ''. I suspect that they are fraudulently investing the money for their own gain instead of crediting it to my account.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I called Experian several times XXXX XXXX XXXX XXXX and I spoke to one representative who asked me to fax my ssn card legal name change document and driver license and birth certificate to this fax number XXXX. I faxed it here on XX/XX/XXXX and I called them today and they said they dont have a fax number. This is very unprofessional and I will be suing them.
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Collection agency added an account to my credit report on XX/XX/year>. This is not my account I have asked for verification of debt. I have received several text messages about this account. I have two other accounts reporting on my credit report that are fraud XXXX XXXX  and XXXX XXXX. I have asked for help with verification nothing has been provided.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have received notice that one of my credit cards has been closed on the bases of a report provided by the company in question. I have sent a certified mail request for such report more than a month ago ; haven't received any response
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GFS II, LLC (MI)

Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2024-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I disputed a charge on my debit card of XXXX for not getting my product delivered to my house by XX/XX/year> i paid extra for that date on XX/XX/year> i put the dispute in with bank of america they said i would get a credit after XXXX business days i did not.Even i fax them cancel order no refund.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I applied for a refinance and XXXX XXXX said I needed to have an item cleared up on my report. The item was a credit card with XXXX XXXX with a XXXX '' designation, meaning designated user. The report showed it was included in an XX/XX/XXXX bankruptcy and the info was verified on XX/XX/XXXX. I looked at a copy of my bankruptcy filing of XX/XX/XXXX and it showed XXXX XXXX 'multiple accts ' but none of them were as 'designated user '. That account belonged to XXXX XXXX and I was a designated user XXXX for a car rental, then removed. I contacted the Cr Bureaus XX/XX/XXXX and requested this info be removed from my credit report. I received a response stating they had verified it. I then requested they have XXXX XXXX provide the complete info for the XXXX '' card including who designated me as a user. I never heard back and the info remains on my account.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other — 
Company: ALLY FINANCIAL INC. (TX)

I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and over
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MS)

I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.
Consumer complaint received 2024-08-30
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. (VA)

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2017-06-22
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. (TX)

My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely caught off guard this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I always review my credit report regularly, but this time, there were discrepancies that just appeared out of nowhere. I even tried refreshing the browser, hoping it was a glitch, but the errors remained. Now Im left with this unresolved issue and need the documents Ive sent to be thoroughly checked so I can finally stop worrying.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MI)

I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Financial LLC (MN)

This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The credit bureau is causing conflict of interest because it is being paid to furnish debt on my credit bureau being unverified. Because they are being paid to furnish accounts monthly they are not accurately doing a full verifiaction of debt. I was never given the right to validate the debt before placing on my credit report and because of this im getting denied credit instead of approval. The wrong information is being submitted to creditors