davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (MS)

Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX After reviewing my three credit reports from XXXX, Equifax, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) 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.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (ME)

Discover was not willing to accept payment arrangements that I was able to make. They chose not to work with me ; only on their terms. I reported them to the XXXX  already. Now my spouse has XXXX and not working since XXXX of this year and I can remit documentation of his illness. I am not employed at this time either. This case was supposed to be closed. I feel I am being targeted and they kept adding late fees while I tried to work with them. This needs to stop or I will take further action against Discover.
Consumer complaint received 2023-09-20
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. (NC)

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 2023-11-13
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. (PA)

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 identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-10
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. (CA)

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month
Consumer complaint received 2023-09-29
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. (NJ)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (HI)

On XX/XX/XXXX I attempted to close my XXXX XXXX XXXX  account due to XXXX XXXX orders. I was told by an XXXX technician/rep that if I received orders at any point then I would be waived of ALL fees. Ive had services since XXXX, I would have cancelled services years ago, however, I would have been charged, so I waited for my next assignment and orders to reap the benefits. Suddenly, the time came and I proceeded to ensure that I would be waived of ALL fees, again I was reassured so I cancelled services during a stressful time of XXXX  relocation. ( If I knew I would have been charged I would have NEVER cancelled during this time ). I was charged {$1100.00} soon after cancelling. I spoke with countless representatives, often times I would be on hold for over an hour and I also e-mailed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX when XXXX never responded again. I continued to argue I should not be held accountable for being mislead by XXXX  technician. I was not made aware of this. I did not authorize this. Im XXXX XXXX and relocate often. I did NOT agree to this. I was told being XXXX XXXX all fees would be % 100 waived. What do I do moving forward? I cant relocate across the country with {$1100.00} garnished from my check. I would have NEVER cancelled service during this time if I knew this. This isnt ethical, its not fair and mistreatment of service members. Fraud, waste and abuse is being conducted by XXXX technicians across the country to make sales. There has to be a way to waive this fee. I shouldnt be held accountable for the misleading sale tactics presented to me., however, nothing was done about it. I brought this issue to my bank and disputed with them on or around XX/XX/XXXX. Finally, on XX/XX/XXXX my bank followed up with the results and concluded my claim/dispute was valid. Now in XXXX, XXXX is sending me mail stating they will send me to collections. I would like to report this issue and end the harassment followed by this company. Please assist! Im currently going through a clearance upgrade and can not afford to be sent to collections by XXXX. Please advise. Thank you so much! Very respectfully, XXXX XXXX
Consumer complaint received 2023-08-29
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was attempting to rent an apartment from a " XXXX XXXX '' on XXXX on XX/XX/2022 and was told to leave a deposit for the apartment. After multiple deposits were sent to the person, to different email addresses and names, I became suspicious and visited the property in person and spoke with the owner and they had informed me that the apartment was not available to rent and the posting was false. 

In total, an amount of {$5300.00} were scammed from myself and I reported this to my bank, with a follow-up on XXXX XXXX to investigate the claims. I was told that these claims could not be reimbursed since I sent the money and they ignored my comments of being scammed.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Climb Credit Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a XXXX of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number 585-975 clearly violate this provision.

Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (NY)

These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (FL)

I am a senior citizen living in the state of Florida and I have been scammed and defrauded by Wells Fargo bank. I had a home mortgage with Wells Fargo Bank acct XXXX. I paid perfectly for 12 years and the balance was down to XXXX but in XXXX when I got sick and had to sell my home Wells Fargo charged me {$120000.00} over my payoff and said it was for fee 's and added interest all of which was extremely excessive. I called them many times but never got any help. 

As a senior citizen I was limited on being able to fight this big company which I know has had serious fraud charges against them many times.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2023 I was contacted by Bank of America by email that my account was XXXX. There should have been well over XXXX in my account. I immediately logged into my account and realized my account/XXXX XXXX was as XXXX. I also called and filled a XXXX  claim as I was out of the country and I hadnt authorized any of the XXXX that caused the account to be overdrawn. After XXXX weeks went by and I hadnt heard from Bank of America I called again and learned a claim was never opened originally when I called in XXXX. This time a claim was opened and immediately closed stating XXXX XXXX XXXX XXXX to file. I immediately called and disputed and had the claim reopened. This time Bank of America took well over the XXXX days to investigate and upon calling at day XXXX they denied my claim again. I called back to ask why, they stated that I logged into my account in XXXX prior to filing a dispute so the claim was denied. Obviously Bank of America is in violation of XXXX regulation XXXX and XXXX XXXX  regulations. Ive sent Bank of America XXXX documents proving I never made these transactions and no one was authorized to make purchases on my account. Bank of America refused to investigate this matter and not within the regulated XXXX day time period.
Consumer complaint received 2023-09-26
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 2024-04-23
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: AMERICAN EXPRESS COMPANY (TX)

My AMEX card was registered with XXXX to cover monthly payments for XXXX XXXX and one other subscription. Monthly charges for the last 3 years averaged less than {$20.00}. On XX/XX/2024 a third party gained access to my XXXX account and attempted to charge {$4800.00} for computer hardware on the account. The charge was declined by AMEX. I was not informed by either XXXX or Amex of the charge attempt. On XX/XX/2024 a third party charged {$2000.00} on the account for computer hardware. This charge was allowed by AMEX notwithstanding the prior fraudulent attempt, the amount was far in excess of my monthly average and the delivery address was in a different city from my billing, business or home address. The ordered hardware was shipped and XXXX delivery records show the actual delivery to be other than either of my registered addresses. 

AMEX has refused to acknowledge this as fraud and has debited my account for the full amount of {$2000.00} for a product I did not order or receive. XXXX will not review the matter since the product was shipped.
Consumer complaint received 2023-11-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (RI)

I was provided a XXXX XXXX gift card issued by this merchant with the specific intention of using it on a service that I don't wish to use my personal credit cards for. The purchase was declined despite a complete XXXX XXXX and XXXX XXXX match. There is no excuse for the card issuer to declined purchases on a XXXX gift card that is clearly a valid transaction with a legitimate XXXX merchant. With the inability to use the card with this merchant, it carries no value for me. I attempted to contact the merchant to discuss the issue but the merchant offers no XXXX support of any kind and their XXXX  support was designed not to address this issue. 

As I'm sure CFPB knows, this is a known tactic XXXX XXXX issuers use to essentially keep the funds. By declining transactions as they see fit, they hope the user gives up and forgets about the card or ceases trying to use it. I've experienced similar issues in the past with some prepaid cards being declined at multiple XXXX merchants w/o cause. Since their XXXX liability is such a tiny inconsequential monetary amount that they disclaim liability for anyway, the only logical explanation for declining the transactions is to discourage the cardholder and keep the funds.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

In reference to the complaint number XXXX. The sender 's bank had sent swift messages to the fifth third XXXX times, fifth third did not reply. I received an instruction from a manager in XXXX of the branches of Fifth Third in XXXX on how to send the XXXX form and request the money back. The sender ( XXXX XXXX ) initiated the XXXX form with the instruction given on XX/XX/XXXX, up till now, I have been visiting the branch and also calling the manager if I couldn't go, but the manager is telling me they have not replied her from the fraud protection if they see the request or not. Can someone please respond to my request, please? This is a typical XXXX indiscrimination against me, so humiliating and this is totally not making sense. They are just using my weakness against me. They are just treating me like XXXX, the sender had my car already so she kinda off cares less about how my bank is treating me and I keep paying XXXX XXXX on a car that should technically be sold. I don't have the money and I don't have my car either, this is just causing me XXXX XXXX every day to see a bank treating me this way for no reason. This is XXXX dollars we talking about and the fifth third is sitting on it for this long without a reasonable reason. I need someone to look into this for me. This is so shameful to see this kind of act in the banking sector.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

This is for a Bank of America credit card. 
The amount shown on the bank of america app is often times not the amount that you have actually spent on your account. I believe this is to mislead and get customers to spend more money than they typically would be comfortable doing. It's only when you click further into the app that you realize that you've spent a lot more than the amount that you see when you first open the app. It took me a while to realize this and if I had not caught it I would be paying interest for no reason. Someone with less experience using credit cards would easily fall into this trap. I have attached 2 screenshots below that will show the dashboard of my app account showing my account balance as {$140.00}, but when you dig further into the account you see the balance is actually {$160.00}.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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 2024-03-14
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. (GA)

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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