davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I sent a dispute letter to XXXX regarding an account on my credit report by the name of XXXX. I informed Equifax that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments for XX/XX/XXXX, so I am confused as to why XXXX is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Consumer complaint received 2024-08-05
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. (LA)

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following XXXX dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. Equifax dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 days.Equifax dates for XXXX XXXX XXXXXXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or about XX/XX/2019,,, I fell victim to a multilayered scam operation orchestrated by by XXXX XXXX and XXXX XXXX XXXX presented to me as members of XXXX and the XXXX Government, ( the " fraudster ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire, credit card, debit card in the total amount of XXXX USD utilizing Bank of America 's services.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2019, three transactions occurred at locations I never went to use my XXXX  credit card. First two transactions at {$300.00} ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the third at {$310.00} ( XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ). I have ONLY used this credit card in XXXX, Ohio and XXXX, Ohio. So there are three fraudulent transactions which took out {$930.00} from my credit card balance.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (OH)

I get monthly credit score alerts from Experian. 2 months ago my credit score dropped XXXX or XXXX points. This month it dropped another XXXX points. There has been XXXX change in my financial status during this time period. This caused me to pull a full credit report which shows Experian is doing a soft pool on me everyday. I have exhausted all means of reaching them. Chat bot will not work, email addresses have been discontinued, responding to their auto reply emails is fruitless and I can not reach them on the phone. I understand that XXXX soft pools theoretically should not affect my score, but there is no other explanation. I need to speak to someone but can not reach them
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit card payment was due at Capital One on XX/XX/XXXX I made several attempts from my phone to try calling their automated system was not taking the prompts by me pushing buttons or speaking when I tried pressing zero to talk to a representative it would not register their system was not working finally after several attempts seven from my phone and a number of others from friends and families phones at XXXXXXXX XXXX. I called the fraud department to get a hold of a live operator was able to make payment XX/XX/XXXX I checked my balance to find out there was a {$20.00} late fee because the payment wasn't in by XXXXXXXX XXXX. when I called the credit card company to let them know about their phones they said there was nothing they can do to wave at {$20.00} fee I made every attempt to try to pay that on time even the final phone call when I made the payment it is a no fault of my own that I was on hold for XXXX minutes which made the payment XXXX minutes late I also tried paying online but the phone number I used to apply for the card was not working they had a phone number on record that I had several years ago which is no longer in working order so I could not get online to pay my bill to me it is unacceptable that they charged {$20.00} late fee when I made every attempt to pay it on time and it was their fault the payment didn't go in it is only {$20.00} but theft is stepped and how many people are they charging this money and getting away with it please reply Thank you XXXX XXXX XXXX I have screen shots of the times I tried calling.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (SC)

Saw through credit monitoring that I had a balance on a long paid off Fortiva credit card. Checked my statement and had no purchases then also checked my agreement which showed no annual fee associated with the card. 

Talked to someone with Fortiva on the who said the mailed me information about the change but I never received it and do not show it in my USPS informed delivery. I've gone through all of them. Which I told her. She said oh it was an email for XX/XX/XXXX. No email. Since when does omission of correspondence mean the agreement is affirmed? I never signed anything. 

They would not remove the annual fee and said the only way to do so was close the account. Either way effects my credit. I had to close the account with future authorization no being automatically declined. 

Currently still awaiting XXXX balance.
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have paid of this vehicle and I have made all payments on time and the auto company is reporting that my payments were late and there are many payments showing on my credit account that shows they been over 30days late. That is crazy! My payments have been on time and they need to fix this issue, as this is causing a negative impact on my credit score.
Consumer complaint received 2024-06-22
Product: Credit reporting 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)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (CA)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Aldous & Associates P.L.L.C. regarding a debt they are attempting to collect, which I do not owe. The details of the complaint are as follows : Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$120.00} The agency is attempting to collect a debt related to my former membership with XXXX XXXX, but I do not owe this debt. I fulfilled all my financial obligations to the gym, including any cancellation policies on XX/XX/year>, I did talk to a XXXX XXXXXXXX and asked is everything else I need to do and he said I was all set and I do not need to do anything and good to go. returned the key fob and everything. Months later I received a collection mail from Aldous & Associates P.L.L.C that I owned the debt from XXXX XXXXXXXX, I have tried to call the XXXX but they just keep put me on hold and said that the XXXX is not available or have a meeting. I believe this collection attempt is in error and may be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed this debt directly with Aldous & Associates, explained to them what happened and requested a debt validation on XX/XX/year>. Which is they must provide the following included Amount Of the Debt including any interest, fees, or other charges, Creditor 's Name, Verification of the Debt, Statement Regarding My Rights. 
And I received a mail from them on XX/XX/year>. It was just a amount of debt that I own {$120.00} with no details of any interest, fees, or other charges and a copy of my agreement with my old gym without my signature. Their rights to collect the debt. And didn't show my cancellation form. since I did everything in person at the XXXX by the XXXX told me. 

This situation has caused me considerable stress, and I am concerned that the false debt XXXX be reported to credit agencies, damaging my XXXX XXXX and reputation. I am seeking your assistance in resolving this matter, as it appears to be a violation of consumer protection laws. 

I request that the CFPB take the following actions : Investigate [ XXXX XXXX XXXX XXXX ] for improper debt collection practices. 
Ensure that all collection activities are stopped until the debt is properly validated. 
Ensure that any negative information reported to credit bureaus regarding this alleged debt is removed.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my XXXX XXXX, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
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. (NY)

THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of XXXX and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-22
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. (FL)

This complaint is regarding my formal concerns about unidentified errors on my credit report, which I think were not appropriately revealed by your agency. These unsolved concerns may have a major impact on my credit score and financial situation, thus I want an immediate investigation to CORRECT them. 
XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I am writing to seek your assistance in reopening my fraud claims with Citibank in order to recover stolen funds. Since XXXX, I have been a victim of identity theft, robbery, and multiple data breaches that have significantly impacted my financial situation. 

An individual fraudulently opened a Citibank account in my name and deposited checks that were stolen from me. one in question from XXXX  XXXX XXXX check number XXXX I have submitted detailed evidence of disputed fraudulent transactions from XXXX different accounts. Specifically, there are numerous unauthorized XXXX transactions conducted from my stolen phone to individuals unknown to me. Despite providing valid proof, including police reports, all of my fraud claims have been denied, and I believe no thorough investigations have been conducted into these matters. My attempts to resolve this issue have been met with silence. 

I kindly request that all of my fraud claims be refiled, including those not listed here, as I do not have the case numbers for every incident. For reference, some of the case numbers I do have include : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Thank you for your attention to this urgent matter. I appreciate your assistance in helping me address these issues with Citibank.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have my personal information compromised last year and I was never sent any documents to substantiate a XXXX XXXX XXXX XXXX XXXX. Since any error can or may be present within that data. I respectfully demand that you transmit this documentation as soon as humanly possible. Please send any supplement data materials that can legally verify that this account was legally established.
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Mohela was transferred my loan from XXXX months ago and refuses to put me into legal administrative forbearance and will not process my request for a SAVE as XXXX failed to process it as well so they can illegally bill me money I do not owe nor can afford. I had a reduction in pay to 66 % due to XXXX XXXX XXXX XXXX XXXX and provided documentation. I also provided it to Mohela. Instead of processing my application they RAISED THE PAYMENT TO OVER {$4000.00}! Not only is this more money than I ever make in a month, it is illegal as I asked to lower my payment as I am on reduced pay. They continue to bill me despite Biden Administration telling them to put me into administrative forbearance and despite XXXX never processing my SAVE application from XX/XX/2023 so now they are messing with my credit and illegally trying to formulate a payment schedule so I pay all this money in ten years. Also, I am in PSLF program and have 4 years left where I have forgiveness so I will never be able to pay back hundreds of thousands of dollars quickly anyway. I am supposed to be in a 25 year plan under SAVE and in administrative forbearance. I have received no help form XXXX nor from Mohela and it is greatly impacting my life. This is an urgent situation and I am formally asking for help from CFPB to escalate this as I am a person with XXXX a federally protected XXXXXXXX and this is all illegal. 

As of today, MOHELA HAS NEVER PROCESSED MY SAVE APPLICATION FROM XXXX XXXX XXXX which is TOTALLY ILLEGAL. I am calling the federal government to show the paper trail of complaints on CFPB dated from XXXX XXXX XXXX to prove that neither XXXX nor Mohela has ever processed my SAVE APPLICATION AND THIS IS ILLEGAL. Despite the recent court ruling I applied over A YEAR AGO FOR SAVE AND THEY NEVER PROCESSED IT> Also I have repeatedly asked for the mandated administrative forbearance and Mohela continues to break the law and not apply it.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This account has been reporting on my account since XXXX of XXXX after multiple attempts to fix with equifax now they have doubled it and now show it twice on my account per laws this account is no longer to show on my credit report as of XXXX of XXXX XXXX and XXXX have followed the rules and deleted the account. 


Please remove from my credit report.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an email from XXXXcapitalone360.com. 

Email : XXXX XXXX XXXX Give us a call about your account ( s ) Mart XXXX We have a few questions about some recent activity on your account ( s ) and need to speak with you to clear this up. 

Please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks for choosing Capital One. 


I just opened a savings account with them and also called something regarding disputing a charge. I was expecting for them to send an email as per agent told me. I received this email and call and during call it asked to enter my whole social security before speaking to an agent. When I have a time to search this number on the internet, many claimed that this is a scam number. I am now worried.