davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Every time I try to pay this bill it's a return fee that keep returning the money this is an ongoing problem I can't seem to get this balance down they are playing tricks with my bank account wait till the last minute and then pull the money out and then charge me a return fee this is an ongoing process what they doing
Consumer complaint received 2023-06-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, states i have the right to privacy. 15 USC 1681 Section 604A Section 2, it also states a Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 166B, A creditor may not treat a payment on a credit card account under and open consumer and credit plan as late for any purpose.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Starting from XXXX, I've made several attempts to initiate the process of opening a savings account with Capital One 360 Savings. However, I have encountered persistent issues not only during the account opening procedure but also with various IT-related matters. Additionally, I'm currently facing difficulties in accessing my active Capital One Venture XXXX credit card details online, which is preventing me from making payments or reviewing transactions since XXXX. 
Throughout this period, I have reached out to Capital One via phone on no fewer than six occasions. I've invested significant hours in these conversations, and during one instance, I was even transferred five times across different departments, including Credit Card, Banking, Digital, IT, and Verification. On each call, an IT problem is identified, and I am advised to wait overnight for system updates. Unfortunately, these efforts have not yielded any positive results. As of now, over a week has passed, and I'm still unable to access my Credit Card activity. 

I have exhausted all available avenues to resolve this issue.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent out a letter out XX/XX/2022 in XXXX to XXXX, Transunion, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1957 Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

Account Details and Violations : XXXX ( Account Number : XXXX ) Violation : Reporting an account that doesn't belong to me, which is a violation of FCRA 1681e ( b ). 

XXXX XXXX ( Account Number : XXXX ) Violation : Incorrectly reported payment status, balance, comments, and payment history, which is a violation of FCRA 1681e ( b ).

XXXX XXXX ( Account Number : XXXX ) Violation : Reporting an account with which I have no business relationship, a violation of FCRA 1681e ( b ). 

XXXX  ( Account XXXX : XXXX ) Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : [ Include a detailed and emotional personal story here. Describe how these credit report inaccuracies have impacted your ability to secure housing, obtain credit, or engage in other critical financial activities. Highlight the emotional distress, frustration, and hardship you have faced as a result. ] In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ).

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ).

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/2023 I applied and was approved for a Wells Fargo XXXX credit card. Per their website it is advertised as " 0 % intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the introductory period. '' For a total of 21 months 0 % APR. I had opened this card specifically to utilize the intro APR for a balance transfer. Wells Fargo however, doesn't allow you to do balance transfers until you actually received AND activated the card. I called to see if they could start the transfer over the phone but 2 levels of customer service managers told me that I had to wait until I actually received the card in the mail. This would take 7-10 business days. Further, they informed me that balance transfers take 4 days to process and have an automatic hold placed on them for an additional 10 days int heir system. So assuming I get the card in the mail in a timely fashion and am able to activate it right away we're still looking at nearly a whole month of loopholes to not have them honor the intro APR! Other credit cards allow balance transfers to begin as soon as the application is approved online ( did it with XXXX XXXX a few months ago ). This is unacceptable... at best it is false advertising and at worst it is straight up fraud. Which considering all the fees levied against Wells Fargo in years past for shady practices you'd think they would have learned their lesson ... but nope... still screwing over consumers!
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my capital one credit card for 7 years and recently the account was compromised due to identity theft. when I contacted Capital one they recommended as a security measure blocking online access of the account. 

Every time I contacted capital one the fraudster would call them call back to undo what I did. The individual who stole my Identity was able to have the credit card reissued and I do not know the new account number. As a last security measure I had to close the account to protect myself. 

I reached out to capital one to regain access to the online portal and they several times had me scan my ID and SSN card when they got it back they kept claiming that it is blurry and they can not unlock my online account. when I asked to receive statements they refuse to send them to me and told me that I can pay by phone. I advised them that it is my right to see the statement of charges before I make any payment. 

Yet the creditor refuses to mail statement to my home address that I have lived at for almost 2 years. Meanwhile the account continues to accrue interest and late charges.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent.
Consumer complaint received 2023-07-19
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX. XXXX Balance : {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.
Consumer complaint received 2022-12-23
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: JPMORGAN CHASE & CO. (OH)

JPMorgan Chase added inquiry for credit card on XXXX XX/XX/2022 for credit card. I did not apply for any credit with them. Called ( XXXX ) XXXX and reported incidence to XXXX at credit card services said it would take XXXX to 60 days to remove. 
They need to remove this immediately. I dont know how this happen because I have a freeze on my credit reports.
Consumer complaint received 2022-12-23
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. (GA)

This will be the fourth attempt with Equifax to fix this error. I've called, file a dispute, filed with the CFPB and each time Equifax intentionally makes the error more egregious. I'm now being denied loans, credit cards, and student loans for my sons due to this error. They now put a 120 days late on a closed account consolidated in 2021 when I consolidated my student loans. I've provided them screenshot, letters from the department of education and now they've made the problem worst. This is a clear violation of my rights and has REAL damages to my both emotionally and financially.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diverse Funding Associates LLC (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so | May review to see if this is actually an account that belongs to me Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-07-19
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. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid 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 (CA)

Prior to the pandemic I used my Capital One card to purchase our XXXX XXXX tickets to go from XXXX XXXX to XXXX, XXXX. Before we could fly XXXX closed their borders. XXXX said they would hold our money until the borders were open and then we could use the credit to book our tickets to XXXX. When the pandemic endedXXXX XXXX was no longer flying to the United States. They have thousands of our dollars and we have no way use the money they are holding. Capital One refunded the money to our credit card and then a month later took the money back.
Consumer complaint received 2023-05-17
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. (NJ)

The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX  XXXX as a Repo when Account does not exist
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-19
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The issue is with Bank of America Commercial Credit. They are intentionally causing unnecessary delays, have failed to provide clear and concise information on multiple occasions, and are withholding funds without my permission and refuse to do anything about it for an additional 50 days. This is or boarders on criminal.

I filed 2 disputes on my credit card at the end of XXXX. This prompted the merchant to work a bit harder with me to come to an legal settlement and agreement. Part of the agreement was I would cancel the dispute so the merchant would received the funds back so they could fulfill the orders. I called BofA to do so. The 1st person I spoke with told me the file was notated and everything was good to go. Nothing occurred. 1 week later or so I called back. They had no record of this. They then informed me that per mastercard rules they could notate the file BUT nothing would happen for 60 days. The quickest way to resolve the outstanding dispute would be to have the merchant and their payment processor to file all the requested paperwork. I was told by a supervisor on a recorded line that once Bofa received the paperwork on the dispute they would not fight it and simply send them back the money. After weeks of going back and forth and then waiting for BofA to do its job they told us the return of the claim was approved BUT they were going to hold the money for 50 days. Nothing in mastercards agreement or within my credit card agreement allow them to do this. I called and spoke with a supervisor- they had no clue that the claim was approved ( I have documentation ) and they denied the fact that they would hold funds for 50 days ( again we have an email stating such ). BofA commercial claims division is clearly incompetent. I am now in violation of my settlement with the merchant and everything that should have been wrapped up by now has yet to begin because of the intentional and irresponsible delays by BofA. I have filed complaints with them and they do nothing. Please assist in getting the money back to the merchant as was requested over a month ago.
Consumer complaint received 2023-07-19
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 days after the date of receipt.
Consumer complaint received 2023-05-29
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. (VA)

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 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.