davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for them.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I received a letter of debt collection from a company named HRRG, who claimed to collect  XXXX  amounts of medical debt on behalf of creditor  XXXX   XXXX   XXXX .  XXXX  in total of {$64.00}.     My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital.     I have not received any phone calls or letter from the hospital after the visit almo st six  months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (IL)

Hello CFPB, I would like to know why banks that send you credit cards don't disclose how one can close their credit card account as easily as they open it. So banks send to the consumers letters with offers to sign up for a credit card. But they never tell consumers how to close an account. 
Why they don't have available a button under every card account to let the users close the account when the balance is XXXX XXXX
Consumer complaint received 2017-05-15
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: National Credit Systems,Inc. (TX)

Beginning early  XXXX  we worked with a company called  XXXX   XXXX   XXXX  to assist us in getting my credit in shape. They did a fantastic job and my  credit score went up dramatically. One issue we were una ble to resolve was false reporting from  XXXX   XXXX   XXXX  on behalf of The  XXXX  Apartments in  XXXX  Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in   XXXX   XXXX   XXXX   The second request for an itemized account of their reporting was   XXXX   XXXX  . The third request was sent   XXXX   XXXX   XXXX  . After  XXXX  attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help!      National Credit Systems  -   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  Phone (  XXXX  )  XXXX  Partial account number :  XXXX  Address Identification number :  XXXX  Original Creditor : THE  XXXX
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (MI)

I had filed multiple disputes with CHASE CARD SERVICES for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT.

Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE respond by sending me a letter stating that they verified that this account belongs to me- CHASE BANK own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.

However, Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE bank act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether CHASE CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want CHASE to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Consumer complaint received 2024-06-20
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: AMERICAN EXPRESS COMPANY (NY)

Amex pre-paid cards are basically impossible to use. They are rejected no matter how I try to use them ( online or in person ). The pre-paid card should be accepted wherever Amex cards are accepted but that is not the case and it's insanely frustrating try to spend the money on the card. Please mail me a check with the balance of my card so I can actually use the money.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I didn't receive my notices of rescission in accordance with truth in lending laws from Toyota Motor Credit Corporation. I also sent them notices about a third-party service contract that was included in my finance charge. I requested a warranty on my vehicle that i assumed Toyota was providing. They gave me a service contract that wasnt worth having. They failed to properly offer a proper resolution and I rescinded the contract. My contract and paperwork States that I have no cooling off period and nothing in my paperwork states I have the right to rescind. This is in direct violation of truth and lending and federal law. I mailed them a " Notice of Rescission ''. The first notice was mailed in XXXX. I also mailed a Cease and Desist Notice. The information is still on my credit report 6 months later with the balance still increasing.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I terminated autopay on my Care Credit account so I could manually select the account each month. This made me forgot to make a payment made on XXXX and XX/XX/year>. After receiving a letter in XXXX I called into Care Credit and made an automated payment. The automated system asked if I wanted to pay the past due amount ( {$100.00} ) plus the XXXX payment that was due. This payment successfully was debited from my checking account on XX/XX/year>. I submitted a inaccurate reporting on XXXX. The dispute was completed on XX/XX/year>. It states that as of XX/XX/year> I am past due in {$100.00}, but this is inaccurate. The account balance for my Care Credit even shows that nothing is due.
Consumer complaint received 2023-07-08
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. (CA)

This is my 15th 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I was trying to resolve fraud with citi, i am an id theft victim. In the last week we discovered the fraud spanned back much further than thought. I was on the phone with citi, we discovered non-matching ending and beginning balances, we discovered at least one false merchant. Then i was hung up on. This displays an unwillingness of citi bank to resolve my identity theft. They are coercing me to either pay the false charges of a felon or lower my score. That is extortion.
Consumer complaint received 2023-07-13
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: AMERICAN EXPRESS COMPANY (TX)

I have opened a dispute with American Express on my Gold Card for an amount of {$640.00} with XXXX due to not receiving an item from a seller on XXXX. The seller has repeatedly forwarded documentation claiming I received the item such as a forged signature from USPS ( the package did not have signature confirmation ) and another PDF showing that it was delivered in/at a mailbox ( which it couldn't have been if it was signed for as they claimed. ) I have provided all of this information as well as pointed out the discrepancies in their argument and spoken with the local post office who informed me that the package was delivered to another address in the same zip code, but American Express is taking my side for a few weeks and removing the charge before turning around and rebilling me due to the seller submitting more false and misleading documentation that provides no evidence that I actually had the package in hand.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-24
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. (ID)

All three credit reporting companys XXXX experian XXXX. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a loyal customer of Capital One for an extensive period, diligently ensuring that my payments are made on time and even exceeding the minimum required amount. However, in XXXX, I encountered an unforeseen issue when a payment I submitted was returned due to a shortage in funds caused by my mortgage company charging my mortgage. To rectify the situation, I promptly made a second payment of {$700.00}. Surprisingly, Capital One did not attempt to withdraw this payment from my checking account. Perplexed, I logged into my account after two days and, realizing that the payment was not processed, I decided to submit an additional {$500.00} payment. Unfortunately, the same issue persisted three times consecutively.

Frustrated by the lack of progress, I contacted Capital One and was fortunate enough to speak with a supervisor who agreed to conference call XXXX XXXX, my banking institution. During the call, XXXX XXXX confirmed that Capital One had indeed failed to initiate the payment attempts following the incident in XXXX. This failure occurred on three separate occasions. After making a second call to seek resolution, an agent informed me that I could make a payment over the phone without incurring any charges. However, I opted to make the payment through the app, as I had verified that I had sufficient funds in my account. The agent assured me that the payment would be reflected by the following day, and we concluded the call. 

The next morning, I logged into my Capital One account to ensure that everything was in order, only to discover that my account had been closed due to the aforementioned situation. This outcome is entirely unacceptable, considering that Capital One was at fault, not me. 

I maintained a flawless payment history with Capital One, yet their system experienced a glitch that resulted in the failure to request payments. Furthermore, during one instance, I had Capital One on the line while we contacted XXXX XXXX, who confirmed that no attempts were made to retrieve the payment. 

It is disheartening that Capital One chose to close my account without attempting to resolve the issue, especially considering my long-standing record of timely payments. Even with my account closed, they continue to accumulate debt, which is entirely unacceptable.
Consumer complaint received 2024-06-10
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 (PA)

i purchased XXXX shoes and XXXX  book bag from XXXX on XX/XX/XXXX and realized that they were counterfeit items. 


after realizing that the items were counterfeit i tried to cancel my order but they didn't allow me to and still charged my credit card without my permission. So when got them on XX/XX/XXXX i returned them back using the shipping label provided ( XXXX XXXX ) on XX/XX/XXXX and they delivered XX/XX/year> the tracking number is XXXX
Consumer complaint received 2017-05-16
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: BARCLAYS BANK DELAWARE (CO)

A balance transfer was initiated for {$4900.00} to  XXXX   XXXX  on  XXXX / XXXX /  XXXX   throug h Barclay  card.      Barclay card  is saying the transaction has posed, however  XXXX   XXXX  is stating that it has not.      Barclay c ard is now billing me for payments on a transfer that was not performed, but they are insisting it was.     When I contacted the contact center on they just say that the transfer is completed in their system and provide no assistance despite my proof of non payment through  XXXX   XXXX . I call ed Barclay Card o n  XXXX  and  XXXX  in attempts to get answers but they are continuing to not provide assistance.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

CFPB, if you do not further review this matter, you will have failed this consumer.     I will have no further recourse but to attempt to escalate this issue to a media level.     By admission via correspondence,  Wells Fargo  has acknowledged that they began to withdrawn the increased payments on  XXXX   XXXX ,   XXXX   when their letter advised that the payment would not be increased until  XXXX   XXXX ,   XXXX  . Why would their letter to consumers state incorrect and misleading information?      Wells Fargo  advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments.  Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future.     By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo  is withdrawing additional principal payments on  XXXX   XXXX ,   XXXX   because I 'm paying  XXXX  's payment, then it is not a partial payment.      Wells Fargo  has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My name is XXXX XXXX I applied for a credit card with Capital One, XXXX XXXX XXXX.I took full accountability for this account, for the late and missed payments I lost my job due to the COVID-19 disaster. Once I found a job I called Capital One and settled the debt with them on XX/XX/year>, Also I noticed on the receipt the amount I settled with these companies was not listed. I called XXXX XXXX NA about this matter and respectfully asking them could they please remove this account from my credit report im trying to get a mortgage loan, the customer service rep was very rude says nope were not deleting it can stay on your credit report for 7-10 years. I said thank you and have a good. this account I settled with Capital One NA, has caused emotional stress, on me and my family. I've also Called the Credit Bureaus about this matter as well and I've uploaded Documentation of the debt receipt being resolved. When you try to better yourself seems nobody cares.