davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

In XXXX XXXX, I enrolled through XXXX in the newly launched " XXXX XXXX XXXX '' program. With this program, you would make monthly payments of roughly {$35.00} per month for 24 months, be sent an XXXX XXXX immediately, and after 12 months of payments, be allowed to upgrade to the new XXXX XXXX XXXX by trading in the first XXXX. This program was financed through Citizens Bank ( CB ).

Once eligible and after 12 payments, I pursued upgrading in XX/XX/XXXX. At this point, I learned that the program had been discontinued with XXXX and was spun off to XXXX. Unsure what this even meant and out of options, I followed the upgrade process through XXXX, not XXXX, and requested the " trade-in kit '' to send back the old XXXX. After a 3-4 months delay due to supply chain logistic " issues '', the trade-in kit finally arrived and I was able to trade it in. After ~16 payments and once the original XXXX finally made it back to XXXX XXXX my Citizens Bank balance account was zeroed out ( though, this was a clunky process too, which monthly statements can confirm ). See attached. 

Months later, I started receiving collections notices for $ XXXX dollars. Confused, I called XXXX and discussed over the phone the balance, telling them I have a balance of XXXX dollars and that they are mistaken. They told me that the upgrade process had spun off another line of credit for 24 MORE MONTHS (!!! ), some of which was overlapping with the 3-4 month period in which I couldn't send back the old XXXX ( their fault, mind you ). It seemed completely ridiculous. 24 more? Did the first 12 I had paid just .... not count? What is the point of the trade-in then? How could I have paid 16 months of payments ( {$560.00} ), and then be required to pay them another {$900.00}? How much do they think an XXXX costs?? I promise you it's not {$1500.00}. 

I never had visibility into this second line of credit. It was never in my Citizens Bank portal because it hadnt been activated and attached for me to see ( it is now, once I did all the work to figure out what was going on ). I only found out about any of this once I had people hounding me down for money that I still don't think I owe. This whole program is a ridiculous racket. The original program was absolutely not a 36 month XXXX deal, and we can't even corroborate that because the program was sold off by XXXX and doesn't exist in that instantiation any longer. 

I have never in my life had credit issues. But I also won't bend the knee to shady junk banks like these guys. It's unreasonable. I've similarly told collectors as well, as Citizens Bank charged the account off and sold the debt around. 

Then, my credit got smoked. I need help. My credit score got crushed, down ( XXXX points from to XXXX ) and I am furious. I'm being held hostage by these slimeballs and I feel abused by poor business practices and policy. 

I want them to make it right. I'm hoping you can help!
Consumer complaint received 2023-11-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ACCOUNTS ( A ). It is not permitted to report these ACCOUNTS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: Navient Solutions, LLC. (DE)

This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting. 


A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 


Thank you for your time and attention to this matter.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This letter is to provide additional explanation and proof of my valid dispute at the amount charged by the XXXX XXXX XXXX  in XXXX XXXX XXXX. I visited the bar on the XX/XX/XXXX. There was a situation where I was told by the bartender he ordered {$250.00} bottle of champagne, which I contested but was still charged, and then was also double charged for an additional transaction. Some of the bartenders distributed it to their group and some of their friends and signed the receipt, even though I had said four times I did not order the drink and neither myself nor my party drank. The merchant attempted to say I signed the receipt in the dispute, even though that is very clearly not my signature, ( Ive attached two examples from my passports as proof ), as well as claimed that I didnt attempt to reach out to them, ( this is false, I emailed them the next week over and attempted to visit in-person multiple times after and the manager refused to speak with me ). This is a common scam at this bar where theyll markup or charge a drink, the bartenders will sign the receipt, and then theyll push it through. In fact its a COMMON complaint on XXXX reviews. I expect Capital One/XXXX/and XXXX XXXX to refund me my money or I am prepared to escalate this to the CFB and file a claim with the relevant authorities in XXXX XXXX. This is unacceptable. Capital One just claims I didn't provide this information about me contacting the bar when I did several times.
Consumer complaint received 2020-07-30
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: FBC MORTGAGE, LLC (SC)

XXXX/FBC mortgage reported to the credit bureaus that I was 30 days late on a payment, which was reported on XX/XX/2020 and yet my loan was paid off on XX/XX/2020. After 20+ phone calls to XXXX I did not get one satisfactory answer as to when this late payment was. I filed 3 different disputes with XXXX and received the same uninformative answer which was their report was correct and no proof or date of said late payment.
Consumer complaint received 2023-11-17
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Early Warning Services, detailing the violation of my consumer rights. I have attached relevant documentation, including correspondence with Early Warning Services, to support my complaint.
Consumer complaint received 2023-11-17
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 2023-06-23
Product: Credit reporting, credit repair services, 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. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TD AUTO FINANCE Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SD)

In early 2022, I helped organize my best friend 's party. No questionable activity happened. After receiving funds from a variety of parties, Venmo randomly permanently banned my account and gave me no recourse to either access the funds in the account or resolve any questions about transactions they were unhappy about. When trying to resolve the issue, Venmo appears to purposefully not provide any meaningful support so solve the issue. I've reached out to support agents, and have opened a ticket number with them, but haven't gotten any meaningful response.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I had a good standing checking account and a credit card at Wells Fargo. I was a victim of fraud. Someone deposited a fraudulent check through an atm and cashed out on XXXX dollars, as soon as I bacame aware I contacted Wells Fargo to notify them of the fraud that took place in my account. I also paid the overdraft caused by this intruder. I called Wells Fargo multiple times to tell them to help me. All of a sudden I found that they closed my checking account and froze my credit card. They ruined my credit. I trusted them and they treated me as a thief. I was a victim. I want to file a class action law suit there may be many more victims out there. I went to the bank several times to try to fix this. All they told me is that it was bank decision to close the account.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX there was a ATM withdrawal at a XXXX XXXX for the amount of {$880.00} which was unauthorized. Unfortunately I lost my Bank of America card and I didnt notice until I was going to use my bank card that it was no longer in my possession. I immediately call Bank of America to file a dispute and order a new card for the account. My card order was mailed XX/XX/23 via express shipping estimated to arrive in 3 business days, today is XX/XX/23 I have yet NOT received my Bank of America card. I also called to get an update on my claim and my claim was denied. This makes me very upset because I believe that Bank of America didnt thoroughly investigate the transaction. I have proof that I was working in XXXX, Ca when the transaction for the dispute was processed in an ATM in XXXX, Ca at a XXXX XXXX this is what the representative told me of where it took place. I need to retrieve my funds I have bills to pay and my accounts are negative because I am out that money. I am positive XXXX XXXX has ATM cameras where they can proof I was not conducting the transaction and did not give permission to anyone to use my card.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This account does not belong to me please delete immediately! 
XXXX XXXX XXXX XXXX {$45000.00} Opened - XX/XX/XXXX I did not authorize any company to run my credit delete inquiries 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Consumer complaint received 2018-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.
Consumer complaint received 2023-11-17
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm have been denied for every single credit I've applied for, my credit score from equifax is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between 200 to 840 not saying what's a score they can work with