davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (TX)

I submitted a dispute with Experian due to an issue with a prior debt I had being listed incorrectly. I paid this debt via a settlement back in XXXX of XXXX, and it was listed correctly on my credit report after the settlement was paid. However, when a new company bought the debt, they listed the debt as having missed payments and still having an existing balance. 

I submitted a dispute with Experian regarding this issue, and supplied proof of the settlement. Experian did not fix the issue on the report. I submitted a second dispute, attaching the proof of settlement a second time. Again, Experian refused to fix the problem. 

Currently, my credit report from Experian shows the debt as Account Charged Off, with a Past Due Amount. Despite providing proof of the settlement occurring on this debt, Experian has not corrected the problem.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter from Capital One stating that my account has been closed due to violating the " Customer Agreement '', however they never specified what terms of the customer agreement was violated. I reached out to capital one multiple time and spoke to multiple people XXXX in an attempt to understand the reason the account was closed, but I was never able to get an answer. I've been a customer with Capital One for over 15 years and have multiple products with Capital Once including checking accounts, savings account, and a business credit card. I never been late on this card, and only have one item set up on a reoccurring payment from this account each month. Based on this information I think it is HIGHLY UNLIKELY I did anything to violate the " Customer Agreement ''. 

I have filed a complaint with Capital One regarding this matter, however I never heard anything back regarding the complaint. Additionally, I put in a request to reopen the account through Capital One, however they denied my request, and did not provide any details on why the account reopen request was denied. 

Any assistance that you can provide would be greatly appreciated!
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card. 

Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days. 

Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card. 

Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card. 

My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me. 

Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed. 

So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response. 

So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account. 

Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I read an FTC article stating that since 2018 requesting a Credit Lock would be for free ( both locking and unlocking ). With that in mind here is my situation. 
I am a customer of Experian for their free services. Previously, I was a paid member. One of the options as a paid member was to get a credit lock.

Now that I moved back to the free version to save money I can no longer do an Experian credit lock as an option on their website. I re-checked this today. The only way they allow this is for a free XXXX " XXXX '' membership. 
Since all three credit agencies should be offering this option as a free service ( if I understood the 2108 article correctly on the FTC website ), shouldn't we be questioning why Experian 's free service is NOT offering this as a free option? 
Any assistance would be appreciated.
Consumer complaint received 2024-03-05
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. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I discovered inaccuracies in my credit report related to American Express, as reported by XXXX. The report mistakenly includes late payment entries that inaccurately reflect my payment history. These errors are adversely affecting my credit score and financial reputation. 

Initial XXXX Date : The discrepancies were first noticed on XX/XX/2023, during a routine examination of my credit report. 
Dispute Initiation : I sent a formal dispute letter to American Express on XX/XX/2023, outlining the inaccuracies and demanding immediate correction in compliance with the Fair Credit Reporting Act ( FCRA ). 
Specific Discrepancies : The erroneous entries include incorrect late payment notations for the periods of XX/XX/2023 and XX/XX/2023. 
Expected Correction : I requested the removal of these inaccurate late payment entries and an accurate update to my payment history. 
Response from American Express : As of today, XX/XX/2023, there has been no response from American Express regarding this issue. 
Impact : The inaccuracies have resulted in significant financial setbacks, including higher interest rates on new credit lines. 
Repeated Attempts for Resolution : Additional follow-up communications were sent to American Express and XXXX on XX/XX/2023, but the issue has not been resolved. 
Despite exhaustive efforts to rectify this issue directly with American Express, I have not achieved a satisfactory resolution. Consequently, I am seeking the CFPB 's assistance to ensure that my credit report accurately reflects my financial conduct and that American Express complies with the FCRA.
Consumer complaint received 2023-12-19
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: SECURITY FINANCE CORP (FL)

On XX/XX/ I received a notification through XXXX that a hard inquiry made XXXX credit report by Security Financial XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I did not request any financial services from Security Finance and called them to report an unauthorized request and requested this hard inquiry to be removed at the number XXXX provided by XXXX customer service XXXX I spoke to the representative named XXXX who told she would be contacting her supervisor about the matter and would call me back. Since I've never received a call back from Security Finance and the hard inquiry is still on XXXX credit report, so I called back 3 weeks later on XX/XX/ and again spoke to XXXX who again told me that she would contact her supervisor and someone would call me back. 

I believe my report of unauthorized financial services request using my identity information and request to remove a hard inquiry are NOT taken seriously. There was no information requested from me and no action taken to investigate this fraudulent activity.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-15
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TX)

I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, XXXX and Experian and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30
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. (TN)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX.15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
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: DISCOVER BANK (GA)

Discover turned my account over to collections/attorney and a garnishment was issued against my paycheck. No paperwork or calls were sent/made to me before I received the garnishment notice from my employer. Discover will not give us any information since this is with an attorney/collections. Charges were made in XXXX, judgement made in XXXX. Garnishments started in XXXX. At no time was I contacted or made aware of this process until I received the garnishment and I have been told nothing could be done since it was already filed and approved. We dispute the charges of XXXX  and need help getting this resolved. Again, no notifications were received.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo claimed to have sent XXXX letter via USPS stating they needed to confirm a different address for our business location. We have had the accounts established since XXXX with the same address. We never received the notification. Wells Fargo never called or emailed or tried to contact us. 

As a result, the accounts were literally closed, money mailed via USPS ( still not received ), and our employees and vendors left without an infrastructure. This literally has brought our company ( XXXX XXXX revenue per year ) to its knees and could force into bankruptcy.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (WI)

I am writing to delete the following information in my file. the items i need deleted are listed in the report.I am a victim of idenity theft and did not make the charge. I ask that the item be deleted to correct my credit report.please delete the items as soon as possible.in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to prive and confendentially under 15 U.S.C 1681 accounts stated APPLE CARD-GS BANK USA has violated my rights,15 U.S.C 1681 section 604 A. States i have the right of privacy.15U.S.C1681 C. ( a ) ( 5 ) section states i no consumer reporting angency may make any consumer report containing any of the following items of information any other advertise item of information. other than records of conviction of crime indicates the report be more than 7 years.15US.C 1681 S-2 A person shall not furnish any information relating to a comsumer, to any comsumer reporting agency, if person knows its inaccurate
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX
Consumer complaint received 2023-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

Since my last complaint against Mohela, I submitted my final ECF in XXXX for all of my five loans in total. My tracker got updated to 123 payments for two loans and 120 payments for the remaining three loans. The two loans got forgiven a month and half later. However, Mohela and the federal government failed to forgive the remaining three loans even though the loans are eligible for forgiveness. The three loans are still on my record. They were supposed to have been forgiven by now. I have submitted numerous complaints with the federal student aid 's website ( studentaid.gov ) - however, I have NOT had any response whatsoever. I'm including screenshots : the beginning date and case # of my complaint, as well as a screenshot of the latest dates with no response. Mohela has not communicated with me on the progress either. I'm entirely unable to reach both places ' customer service. This has been incredibly frustrating. Too long of a wait with zero responses or communication.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (GA)

I am writing to express my deep frustration and concern regarding the unresolved issues on my credit report. Despite my many attempts to rectify these matters, the inaccuracies persist. As a responsible consumer, it is imperative that my credit report accurately reflects my financial history. The continued presence of these errors is unacceptable and undermines my trust in your organizations ability to maintain accurate records. 

I am urgently requesting a thorough investigation into the late open account and the public record on my credit report. I expect immediate action to correct these errors and remove the inaccurate entries. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the repeated failures to resolve these issues. With this, I am asking for your assistance to correct the late open accounts and remove the public XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (NE)

My venmo account was frozen for violation of terms of services. After asking what exactly I violated I was told venmo doesn't have to tell me. I was requested to upload my ID to unfreeze my account. After doing so venmo permanently suspended my account with a balance of {$290.00} that venmo said they are keeping for loss prevention. I've asked multiple times if I can get my funds but keep getting denied