davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have called and tried to make the changes to my credit reports by trans union XXXX and experian. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Hello to whom it may concern so as my transactions on my bank statement will show I was in XXXX XXXX for the XXXX XXXX  weekend ( XXXX XXXX XXXX ). In my current job we communicate through email so when I was checking my work agenda and notifications for the following Monday on Sunday night XXXX XX/XX/21 ) I saw various emails from XXXX XXXX, MoneyGram and XXXX. In those emails it states money had been sent to XXXX from my account which where 2 transactions at different ties from MoneyGram and 2 from XXXX. I was able to cancel any transactions made through XXXX thankfully through the merchant themselves. I called MoneyGram soon after to stop the transaction because it showed on my account as " Processing '' meaning it had not been fully taken so there was a chance at stopping it. When I called the company they first asked me if it was okay for them to record my conversation into which I agreed because it will save as evidence. The first associate who helped me got information from me, I continued to answer their security questions and followed all their steps to verify that it was indeed fraud. In the end of the call I asked him various times if he was going to be able to stop the transactions and put the money back in my account he guaranteed me he had stopped the transaction and I would be getting my money back. Again this was very late at night the conversation took place around XXXX  but I called my bank first thing in the morning when their customer service hours were open to make sure the refund was going in place and the associate told me that MoneyGram had not sent the money back so I called MoneyGram once more and the second associate goes through the same procedure to get the same information with recording as well but this time tells me that the refund is not possible. So I go on to tell him that the previous associate had told me otherwise and even stated in a recorded conversation that the refund was going to be made, all he does as I cry is tell me he is sorry I ask to speak to someone above him and he does not acknowledge it and now I have {$2300.00} that I had worked hard for to pay for my rent which was all my money unfortunately when the transaction is still pending at not even completed because MoneyGram did not want to stop the transaction and did not put the funds back into my account after agreeing to do so in a recorded conversation from their company.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX XXXX XXXX a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX XXXX and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. XXXX, XXXX and XXXX, before the account became a charge off, my credit limit was {$2500.00} and as of today, capital one is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe capital one {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by capital one. I do not find it fair or correct that capital one is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (ND)

They closed ALL  XXXX   Chase Cards   ( Business & Personal ), and I dont like that. I am a loyal customer who Charges & Pays in  full, About {$30.00}  Grand per Month. N ever lat e. Always Paid in Full. Unacceptable.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

In XX/XX/2023 Wells Fargo reported errors in transaction processing, resulting in thousands of customers paychecks not being processed. Wells Fargo however does early payday, and still processed my check, resulting in my balance showing my full XXXX dollar paycheck. 

I paid my credit card off using the balance they said was available ( which is also a Wells Fargo Active Cash card ) and I was charged a cash advance to the same credit card, resulting in a XXXX dollar cash advance for overdraft protection to my checking account. 

However, at no point was my account overdrawn due to the fact they had errors in processing, and my paycheck cleared per normal. I was told by a Wells Fargo executive representative to resubmit the cash advance overdraft protection as a payment to my credit card to solve the issue. 

Now I am being charged interest in the cash advance that they claimed would be fixed by resubmitting the payment that was allotted to my checking accounts for overdraft protection.
Consumer complaint received 2021-01-05
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: ENOVA INTERNATIONAL, INC. (VA)

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX on XX/XX/XXXX which also references the Federal Trade complaint on NC  Financial/Net  Credit Accounts. I sent XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX still refuses to remove the incorrect information. I have also tried to contact the company NC Financial/Net Credit several times and on the same days as XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Consumer complaint received 2021-01-05
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. (VA)

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX/Transunion/XXXX  on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX/Transunion/XXXX  on XX/XX/XXXX which also references the Federal Trade complaint on XXXX  XXXX/XXXX  XXXX  Accounts. I sent XXXX/Transunion/XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX/Transunion/XXXX  still refuses to remove the incorrect information. I have also tried to contact the company XXXX  XXXX XXXX XXXX XXXX and on the same days as XXXX/Transunion/XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

I had my purse stolen which had all my information in it and can't do anything about it. But now I have all this debt thanks to this horrible thing accruing and I don't know what else I can do to get this false collection debt off my credit score. It's really ruining my life.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I informed Capital One Bank I have been a victim of identity theft for over 20 years. I have sent Capital One Bank numerous identification documentation for verification of my identity and home address. Capital One Bank just close my secured Capital One Platinum MasterCard : XXXX due to identity theft issues again. Capital One Bank should not have close my account because I did apply for the Capital One Platinum MasterCard account. The was my credit card account and was not opened because of identity theft or a complaint made to the three major credit bureaus. I did open the platinum MasterCard account and want my account reactivated and back open because it was my account I applied for and opened. There was no fraud or identity theft issues made on my account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XX/XX/XXXX 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 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank provided misleading information during my application process on 3 different occasions. Synchrony willfully and knowingly did not provide clear and conspicuous terms which led me to make an uninformed decision.
Consumer complaint received 2023-06-20
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: Affirm Holdings, Inc (CA)

Hello CFPB this complaint is in response to affirm on the previous CFPB complaint ID # XXXX That affirm is accusing me of opening a loan with them to purchase from XXXX I have contacted XXXX on XX/XX/23 spoke to a representative by the name XXXX may gave them the XXXX order XXXX XXXX affirm is accusing me of and upon verification from the XXXX representative they XXXX not find that order number to be associated with my XXXX account will provide supporting documentation attach to this complaint, additionally since I believe this was fraud Im requesting affirm to properly investigate this matter as I dont believe they are, they are saying an electronic signature was used for this loan then there should be a digital trail left behind from that so please provide proof in what location that digital signature was made also if this was for an XXXX order please provide the tracking number that was used and what location this order was delivered to?
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I believe the account is invalid. CAPITAL ONE. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
CAPITAL ONE XXXX
Consumer complaint received 2021-01-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received 5-6 calls per week from Portfolio Recovery for over a year. Each call is from a different number. I have no overdue debt, and my credit score is over 800. I have told them repeatedly to not call, yet they persist.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-01
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. (IL)

The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month and 90 days late repeatedly every month! This is an update in the payment history which to my understand charged off accounts should not include an active payment history. This also falsely manipulates the statute of limitations. 

Additionally, this account has inaccurate information throughout including, but not limited to Account number, Account balance, and Account status. This is not my first time brining this account to your agencies attention. I kindly request that the methods used to verify the accuracy of this account are provided in your response to this dispute. 

I am requesting a deletion of the following account for inaccurate reporting, to exercise my right to fair and accurate reporting : Accounts Name - Account Number XXXX : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-11-15
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CO)

Citi is charging me interest on purchases at the purchase rate despite me paying the full minimum, plus the purchases made within the statement period, plus even additional payments in some months, for the last XXXX months. They claim it's because I accepted a balance transfer offer at 0 %, however the promotional rate has not expired. According to the payment terms, payments go to the minimum amount first, then to items under highest rates. However, even when I make payments OVER the minimum payment, plus the charges subject to purchase interest, somehow there is a random amount each month ( random because Citi can't seem to explain each month how that number is determined ) subject to new purchase interest on my statement. I called Citi about this over the last five statements I received with interest charges. First I was told to make the minimum payment to stop interest. The I was told to make a minimum plus new charges payment. Then I was told there was some previous purchases never paid. And now they are saying to just stop making purchases to avoid interest. They clearly are being deceptive and don't understand their own system and policies, because they provide me inconsistent responses, but continue to charge me every month.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.