davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (TX)

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.
Consumer complaint received 2022-11-13
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (ME)

This is my second request. I have already provided proof I lived and worked in XXXX from XXXX to XXXX with no gaps. I provided my resident permit and driver 's license to the collection agency. I have also told them to mail what ever they need me to sign to my address in the XXXX XXXX, which the never did. 

Now they have sent me a note saying this has been verified. That is not true. I never lived at the address in question. Even my name is spelled wrong. Clearly the account was opened by a third party without my knowledge or consent. 

Please see their response, with a different spelling which is not me. 

XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ZIP : XXXX Account Number : XXXX XXXX Invoice Number : XXXX Bill Print Date XX/XX/XXXX Due Date XX/XX/XXXX Previous Activity/Charges Total Amount Due at Last Bill {$100.00} Payment received {$0.00} Previous Balance {$100.00} Please Note - Bill Due Date does not apply to Previous Balance Due. 
This balance is DUE IMMEDIATELY. 
Payment Arrangement Monthly Payment Arrangement Installment {$370.00} XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX $ XXXX XXXX Service + {$12.00} Current Balance {$93.00} If Payment is received after due date, a late fee will be assessed. 
Total Amount Due {$580.00} Remaining Payment Arrangement Balance {$390.00} Again, that is not me, and never was my account
Consumer complaint received 2021-06-29
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Friday, XX/XX/2021, I charged {$30.00} on my BankAmericard XXXX XXXX XXXX XXXX XXXX XXXX to add that amount to my New York XXXX XXXX XXXX XXXX XXXX subway ) XXXX  card. The transaction was approved and then processed on XX/XX/2021. 

However, on XX/XX/XXXX, the XXXX submitted another charge to that same credit card for another {$30.00}. This additional {$30.00} shows as a credit to my card and raises the balance due on my account. 

I called Bank of America to challenge the second charge. I was told by their representative that companies recharge cards to ensure that there are sufficient funds to cover the initial charge. And that the second {$30.00} charge will fall off in XXXX days. 
The first {$30.00} had already been approved and credited to my card XXXX days earlier. There is absolutely no reason for the XXXX to submit and the Bank of America to charge even if only temporary a second charge to my card.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I am writing to dispute a balance of {$190.00} to my credit card account on XXXX. I have made multiple requests to close this account by phone with three of your agents. These erroneous late fee and interest charges on the late fee are applied callously to an account with a XXXX balance. 
I initially requested to close my account when the bank opted to downgrade my credit limit from {$650.00} to {$150.00} although my account was in good standing with a very low balance. The bank ran my credit again negatively contributing to multiple inquiries which caused my score to suffer. When the account was opened my initial credit limit was {$300.00}, being down graded through no fault of my own was an insult. That is why I called to close the account with a XXXX balance. Your agent quickly apologized and stated he would escalate the matter, but no supervisor or manager reached out to me. 

Although my credit limit had been increased. I did not abuse my account due to lack of quality merchandise carried by XXXX XXXX XXXX. 

I am requesting that the error be corrected, and all finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. After making the corrections please close this account. Please promptly address these concerns on my account.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I applied for a refinance of personal loan over the phone. I later received an email saying I was approved for the loan. It included the details of the loan terms, interest rate and payment amount. At that time, based on the details, I decided not to go forward with the loan because the interest rate was higher than I was already paying. I notified Navy Federal credit Union that I did not want the loan. The representative said she would cancel the loan. Later that day, I received another email from Navy Federal Credit Union saying I was not approved for the loan. 
I feel that this was in retaliation because I did not accept the loan.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (WI)

I received a bill with a XXXX XXXX yearly fee dated XX/XX/23 plus interest from Genesis FS card services, XXXX, GA. Its a Destiny credit card. 
I didnt get a charge card, just the bill. I called to report the fraud and close the account. The woman said I could report the fraud to you, but it would take 60 days to process the complaint. 
I instructed her to immediately close the account. 
I dont know how they got my name and address.
Consumer complaint received 2022-10-28
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested information from this creditor on ( XXXX I have yet to receive anything.

Please have this company upload the following documentation.

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Consumer complaint received 2022-10-21
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 (MI)

We initially filed several disputes with American Express on XX/XX/XXXX against XXXX XXXX XXXX. The charges were for an upgrade to a timeshare purchase on XX/XX/XXXX. We submitted 4 disputes and we received letters stating we won our cases on XX/XX/XXXX. They refunded us the amount of all charges and sent us a refund check. However, we received notice that one of the charges was placed back on our account on XX/XX/XXXX because it was over 60 days old, {$16000.00}. 

I have called every day since XX/XX/XXXX explaining the fact that XXXX XXXX breached our contract on XX/XX/XXXX and that is why we are disputing all payments for this upgrade in XXXX. They did not breach the contract until XX/XX/XXXX, but since we filed it on XX/XX/XXXX, we are within the 60 days of our claim, but American Express keeps closing the claim for the reason of 60 days, they are only looking at date of transaction and not all the evidence I have uploaded to them. First, why would they have given us a refund in the first place, and second I have had to call every day to re-open the case to hopefully get their investigation team to see that they breached the contract on XX/XX/XXXX instead of just looking at the date of the transaction. 

I have written down everyone that I have spoken with including a supervisor XXXX, who assured us that the case would get looked at and she agreed that I was right filing within the 60 day time frame. We filed it right away after XXXX XXXX breached our contract on XX/XX/XXXX. I have documentation that shows XXXX breached the contract and have forwarded all the necessary documents to American Express, but the investigative team will look at my supporting documents. I need help so that they will!
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (IL)

This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. It is critical that the relevant officials be made cognizant of an ordeal I have suffered as a result of internal failures and violations of law at your company. 
2. Description of the Incident 3. Around XX/XX/2021, I became a victim of a complex scam scheme orchestrated by XXXX, also referred to as the " XXXX '' or the " XXXX ''. They have created, developed, manufactured, promoted, marketed, distributed, labeled, and sold fraudulent " investment services '', which aim to rob and defraud clients by using a predetermined cycle of losses to gains.

It is important to note that the scammer, registered as " XXXX XXXX '', is a client of your organization and has been committing financial crimes right under your nose. This includes stealing and laundering large sums of money on a regular basis. Shockingly, using your services, money totaling XXXX USD was transferred from my XXXX XXXX and XXXX XXXXk accounts. 
I hope you understand the gravity of this situation and the extent of harm caused to me and potentially other victims. I urge you to take immediate action to prevent any further financial crimes committed by this client or any other fraudulent entities using your services. 
4. Against this background, I hereby respectfully file this Complaint against your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law. 
XXXX. The allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. 
II. FACTUAL BACKGROUND AND GENERAL ALLEGATIONS A. Overview 6. I am a victim of an incredibly sophisticated investment fraud scheme, where crooks systematically disguise themselves as a legitimate and trustworthy entity in order to illicitly exploit the vulnerabilities of unsuspecting investors and con them out of their money.
Consumer complaint received 2023-11-10
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: GOLDMAN SACHS BANK USA (MA)

I am writing to express my profound frustration and dissatisfaction with the handling of my Apple Card account concerning unauthorized charges and an inaccurately increasing balance. Despite reporting the theft of my Apple Card and unauthorized transactions promptly, the situation has not been adequately addressed, and I find myself in a perplexing and challenging predicament. 
The incident unfolded when I realized my Apple Card was missing, and I promptly reported the theft to the relevant authorities. Subsequently, I contacted Apple to inform them of the situation, expecting swift action to rectify the unauthorized charges. However, the response has been disheartening, with the reported transactions remaining on my account despite multiple attempts to resolve the matter.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/21 Capital One closed my account with no notice. This account was current, revolving, and payment in full had been mailed. As a response to the negative furnishing to my consumer report due to this closing, I sent an Affidavit of Truth documenting the federally protected consumer violations that Capital One has harmed me by doing, via 15 USC chapter 41 and a cease and desist to regarding further damage to my reputation via certified mail. On XX/XX/21 I requested my privacy data and had to call in because the link on their website, conveniently, wasn't working. I called in to request copy of my privacy data and was sent an empty folder a few days later. On XX/XX/21 I called back in to inquire why the link was not working and was given the run around for almost 2 hours, as they transferred me to different departments, saying there was no data listed for me. Though there is " no data '' on my account, it is still negatively reporting to the bureaus, harming my livelihood, and my confidence of " good faith '' in the banking system.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2023-08-10
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

On or about XXXX XX/XX/2022, I made a mortgage payment over the phone. The reason was because I changed my auto payment info and didnt think the the mortgage company would interrupt their auto payment process. I recently received an email from said company saying I have an important document to review. Viewing the document shows an overdue payment fee. Talking to two representatives solved nothing to remedy this snafu with the process. Not intentional on my part. Talking to the representatives I was constantly interrupted and not allowed to explain my position. Their answer was something on the order of a signal was sent out previously. If this signal is finite why didnt I get an email every month stating I have documents to review. This incident happened over 14 months ago. If nothing changes on my statements I dont need to look them up. Well something changed. I feel I may be, along with other people, of being embezzled out of funds. The mortgage company didnt fix their process then and they think I can fix it for them.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX 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
Consumer complaint received 2023-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

On XX/XX/XXXX of this year I transferred money from my bank of XXXXXXXX XXXX to Carrington mortgage services their Bank was XXXX I transferred {$3300.00} on XXXXXXXX XXXX business days later they stay they still have not received the funds I've already confirmed with my bank that the funds have been received I can confirm with an XXXX number and confirmation number that their bank has received the funds of initially did all the leg work for them I've contacted Carrington mortgage services and asked if they could please update my account to prove that the payment has arrived or if they could verify the payment is in their account they seem to be unaffected and verifying this and unhelpful. I spoke to an agent ID number XXXX they're escalation agent was unhelpful to be honest I already did the work to verify the funds have been transferred to their account but they seem to insist that I should wait longer and that they never received the funds I've already contacted my bank to look into this further but this is something that is makes me feel very uneasy for my mortgage company to think that's customer service.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.
Consumer complaint received 2022-10-21
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose