davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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: TRUIST FINANCIAL CORPORATION (GA)

My credit card was stolen on XXXX XXXX XXXX and several fraudulent charges were made on my Truist credit card. Truist acknowledged that the charges were fraudulent and claimed that the charges would not post to my account, but over {$6000.00} worth of charges did post and they have not reversed the charges four months later. Every time I speak to a customer service rep, they claim that the charges will be fixed in 7-10 business days. This has been going on for four months and nothing has been fixed. My credit score has dropped significantly because of it and they are also charging me interest on those fraud charges.
Consumer complaint received 2018-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Canceled my credit card in XXXX then agreeing on a payment arrangement to pay balance. Miscommunication between me and the representative regarding that my cash back option would be consider as a payment. After using my cash back option on the mobile app it said no payment was due for the month of XX/XX/XXXXon the XXXX. The next monthXX/XX/XXXX my payment that was aggreed upon of the amount XXXX $ i paid XXXX $ onXX/XX/XXXX then i continue to make my agreed upon payment.
Consumer complaint received 2015-10-24
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.
Consumer complaint received 2023-02-06
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. (FL)

I call Experian business ( various numbers ) to no avail. I sent Experian emails ( XX/XX/XXXX and continuing ) to notify of this inaccurate reporting information on the following : XXXX. The Key Personnel that are listed in the credit report are not employed with XXXX XXXX  XXXX XXXX XXXX in any position. I sent dispute documentation ( XXXX, XXXX & XXXX annual reports ) of our corporate structure to Experian. Nothing!!! 

XXXX. The Trade Payment Information are fraudulent because XXXX XXXX XXXXXXXX, XXXX has never applied for any loan nor credit with any lenders in its 20  years of existence. Furthermore, we could not even contact the lenders in the business credit report because there is " NO '' lender contact information listed along with insufficient reporting information to substantiate that lender ( XXXX ) claim. Nothing!!! 

XXXX. Experian is " Obligated '' to provide " Lender ( XXXX ) contact Information '' to XXXX XXXX XXXX, XXXX under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. and laws ( XXXX, XXXX XXXX FL. Stats. ) - All reporting bureaus that report credit fiduciary statement to the public, must provide " financial institution '' contact information upon disputing party in due process. If say reporting bureau can not furnished " financial institution '' contact information to disputing party that credit data can not be verified upon disputing party 's report. All credit reporting data must be verified and certified by due process. I requested the lenders contact information that furnished us credit, loan and the like to address their findings. Nothing!!! 

XXXX. I demand that Experian moved all derogatory data from our company credit report immediately and effectively. This inaccurate reporting information has placed our company in an inequitable position and forcing the company into a stagnation in fulfilling obligations. Thank you. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX : ( XXXX ) XXXX Office : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (NV)

I have disputed these erroneous XXXX  on my credit report. I have sent letters from the court stating Mismatch social. And still TransUnion reports this on my credit. Recently I noticed that both of those accounts were Re-Aged which is a direct violation of the FCRA Section 605 ( C ) .States 7 year from the date of delinquency. Also if it's not verified and 100 % accurate reporting it has to be deleted. It caused me to lose opportunities due to the credit re-aging of these accounts now shows them as new delinquency.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
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. (TX)

Ive written over XXXX letters to Experian and called about addresses that are incorrect and accounts that were either fraudulently opened or accounts settled that they refuse to remove. 

I recently disputed through the XXXX XXXX XXXX an account with XXXX XXXX  that was not mine and gave the police report to prove it did not belong to me. Experian still has the account on my credit report claiming the company confirmed the information was accurate. 

I feel they are blatantly ignoring my complaints and refuse to remove inaccuracies or fraudulent information.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

moved out of a home and was charged bogus fees. the company added extra things and tried to charge for preexisting issue. the company was previously reported to hud for not allowing me to move to a different home i think these cahrges are based on retaliation to those fees
Consumer complaint received 2023-02-14
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. (NJ)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1.XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount of {$480.00} XXXX XXXX XXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} XXXX. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX in the amount {$1000.00} XXXX. XXXX  XXXX account number XXXX open XXXX amount {$420.00} XXXX. XXXX XXXX XXXX  XXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} XXXX. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX open XX/XX/XXXX amount XXXX Items need to be removed I am a victim of identity theft.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

My ability to withdraw funds from Robinhood account has been blocked for at least 5 days. I'm able to transfer money in, but not out for some reason. 

I've submitted help tickets and tried to contact the company through social media about this issue, but they've responded with auto replies that say they will get back to me in 1-3 days. We're well past 3 days now and still no updates or actions to restore access to my funds. 

If this isn't illegal, it should be.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

U.S. Bank sent two letters containing Visa Debit Cards to our address on XX/XX/2021. One Visa Debit Card is in the name of XXXX XXXX and one Visa Debit Card is in the name of XXXX XXXX. These cards supposedly link to existing checking accounts at U.S. Bank. However : ( 1 ) Neither of us have existing checking accounts at U.S. Bank, ( 2 ) Neither of us solicited a bank account at U.S. Bank, and ( 3 ) Neither of us solicited a Visa Debit Card. We have attempted to call U.S. Bank at the phone numbers provided in the letters but are only able to access an automated system which will not proceed without us establishing accounts and activating these cards. We are concerned here that one of two things has happened : either ( 1 ) we are victims of identity theft and some third party is trying to establish accounts in our name, or ( 2 ) U.S. Bank is engaged in bank fraud. In either case, we request the assistance of the Consumer Financial Protection Bureau. Thank you.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I have disputed this matter various times with the credit bureaus. Professor Debt Mediation has been reporting on my credit report in an attempt to collect a collection/debt that I think I was wrongly charged for. When I left my apartment, I left it very clean and nothing broken. I have pictures of how I left my apartment. I did not get back my security deposit and theyre charging me an additional {$4600.00}. This debt should be investigated and verify and the method of verification should be provided to me with pictures and proof of charges that I owe. Otherwise, I do not owe it and it should be removed from my credit.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an email from Bank of America informing me that my account status had been changed and my bill payment function had been deactivated, as per the attached file, on Friday night ( XXXXXXXX XXXX XXXX XXXX  ). I attempted to contact customer service to resolve the issue on Monday morning ( XXXX ), but my call was transferred multiple times without any resolution. Despite spending over 2 hours on the phone, I still have limited information about my account status. One associate said that my account had been " investigated, '' but he did not know the details. This restriction on my account prevents me from making payments for my rent and other bills, which really causes frustration and inconvenience. 

Additional information : I am XXXX XXXX XXXX XXXX at the University at XXXX, and I deposited my scholarship paycheck of XXXX XXXX XXXX including tuition and living expenses ) last Wednesday ( XXXX ). I am unsure if there is a connection between this deposit and the account restriction, and no associate was able to confirm this.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

This has been going on for at least 6 months. 
I've complained to the company, not fixed. 
I've complained on here, not fixed. 
I'm complaining again. 
There is absolutely NO WAY to use their website. This is a programming error on their end, not mine. It is not a forgotten PW or log in or anything. 
When you successfully login, their site throws up a choice for your 1098 : " Get your annual Mortgage Interest Statement ( 1098 ) as soon as it is available! Choose " Go Paperless '' to get secure online access today. We'll notify you when your form is ready to review. '' It does NOT matter which of the 2 choices picked, Go Paperless, Keep Settings. 
Both throw up the SAME error, which lets you go no further. 
" HTTP Error Response '' " Error 400 '' I'll send the screenshot too. 

It is not my computer. 
It is their website. 
I have now attempted to use XXXX XXXX, XXXX, XXXX, that's 3 different Internet browsers. 
None work. 
I've tried 3 cellphones and 1 tablet.

None work.

I've tried 3 laptops, 2 desktops, and even desktops and internet suppliers from outside my house. 
None work. 

So I can't pay my mortgage. 
I can't view ANY of my mortgage history, nothing. 
I certainly can't view the 1098. 

I've called numerous times, of course the XXXX is working from home, they don't know anything about programming a website, so they say it will be fixed soon. 
I first noticed this in XX/XX/2022. 

In addition, their own app on XXXX XXXX gets rated a XXXX, it doesn't work either! 
When you login, the circle just spins endlessly. 
Those complaints go back 2 years. Not fixed. 

Right now, I'm trying to pay my mortgage for XXXX. 
It's not possible. 
Their site doesn't work and it hasn't worked. 
I do not currently have access to a phone. 

Also, loan STILL says XXXX XXXX - whose name was removed by a Court Order MONTHS ago. 
I've complained about that too. 

Still NOT FIXED. 

So their Customers can not view payments, history of payments, any 1098, any bills, any paid bills, there is no way to communicate with them except by phone, they used to have an Instant Chat but that is gone.

Their website throws up a Error 400, HTTP Error after you log in. 
It is 100 % their fault, nothing the Customer can fx. 
And I've complained on here, via their XXXX email, and by phone - It is still NOT FIXED. 

I currently have no way to provide payment for my mortgage.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had purchased a home back in XXXX XXXX and Bank of America had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. Bank of America did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up Bank of America transferred the mortgage to XXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.