davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am submitting a follow-up complaint regarding an incident of identity theft. I wish to inform you that I have previously visited the FEDERAL TRADE COMMISSION website ( https : //www.ftc.gov ) and filed an identity theft report, with the FTC report XXXX XXXX. Pursuant to FCRA XXXX XXXX, XXXX XXXX XXXX are mandated to expunge any entries identified in an identity theft report. Attached are documents intended to facilitate the removal of erroneous information and fraudulent accounts that have appeared on my credit reports. Below is a list of unauthorized accounts : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXA. ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX A ( Original creditor : XXXX  XXXX XXXX A ) XXXX-XXXXXXXXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX NV XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}. In accordance with FCRA Section XXXX ( a ), XXXX XXXX XXXX are obligated to remove any items flagged by the consumer as stemming from suspected identity theft within four business days of receipt.
Consumer complaint received 2024-04-13
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 (FL)

Case Number : XXXX Date : XX/XX/2024 Amount : {$1100.00}. 
Case Number : XXXX Date : XX/XX/2024 Amount : {$810.00} Case Number : XXXX Date : XX/XX/2024 for Amount : {$6700.00}. 

Capital One failed to thoroughly examine the documents provided by the merchant, rendering them irrelevant in proving the authorization of the charges. Despite receiving false evidence, Capital One reinstated the charges to my account and expects me to cover the funds stolen by the merchant. Despite my numerous attempts to address the issue with Capital One, their responses have been unhelpful, leaving me feeling disregarded. 

I promptly reported the matter to Capital One and supplied all necessary documentation to support my claim. However, each time I attempted to provide documentation, they swiftly sent denial documents in response, casting doubt on whether they even reviewed my submissions. While I attempted to seek resolution by contacting the merchant for a refund, I received no response. 

Furthermore, I provided a detailed payment history via XXXX, along with photographic evidence illustrating the merchant 's failure to complete the project and the resulting damage. Despite my willingness to collaborate and provide further information, Capital One consistently required additional documentation, only to swiftly deny my submissions upon receipt. Their conduct has left me feeling unfairly treated and unsupported, as they seem unwilling to take any action to assist me.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX and Equifax 's Dispute Center. To remove an old account. The account has been closed for 10 YEARS. Equifax refuses to remove a XXXX XXXX XXXX XXXX account. According to their own website ( EQUIFAX.COM ) closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. The website allows me to read info but no longer allows me to actually file another dispute regarding a 10 year old account. I have also contacted XXXX XXXX XXXX XXXX directly. 

I filed complaint # XXXX with CFPB on XX/XX/year>. Regarding this issue. Instead if Equifax removing a 10 year old account, EQUIFAX filed a fraud claim with XXXX XXXX XXXX XXXX. I NEVER claimed the AUTO FINANCE account was due to fraud. The account for a XXXX XXXX CREDIT CARD was due to fraud. that issue has already been resolved. 

I received a letter from XXXX XXXX XXXX XXXX stating they investigated a fraud claim. I NEVER claimed the AUTO FINANCE account was due to fraud. I left a message with XXXX XXXXFraud Specialist at XXXX XXXX XXXX XXXX 'Risk Management Dept letting him know that I am not disputing the account. I told them that is it to old to be on my credit report. 
Equifax does not read anything that is sent to them.The account for a XXXX XXXX credit was due to fraud.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX  late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
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: Bread Financial Holdings, Inc. (SC)

- In late XXXX, Comenity Bank purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I never received a new credit card or account number and paid the entire balance on the credit card - On XX/XX/XXXX, XXXX XXXX charged this dormant Comentiy Card the {$95.00} annual XXXX  fee -I was unaware of this charge and had not permitted XXXX XXXX XXXX charge the Comenity card -As I was unaware of the charge, Comenity reported it to the Credit Bureaus XXXX XXXX -I have been enrolled in XXXX Carolinas for XXXX XXXX XXXX years and it was agreed that I would pay the disputed charge and XXXX XXXX would XXXX XXXX for duplicate charges. I did so. 
-I simply asked Comenity to contact the Credit Reporting Agencies to remove any derogatory information on my credit record. 
-In a letter dated XX/XX/XXXX they refused to do so.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha
Consumer complaint received 2023-03-09
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. (IL)

In accordance with the fair credit reporting act ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ( i did not give written permission ) 15 U.S.C 1681c. ( a ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. XXXX never extended me any credit so I do not owe a balance. I utilized my own FRN which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the FRNs used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS criminal investigation team for further review.

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

My balance is reported as over $ XXXX and I only owe a little over {$730.00}. They haven't updated my credit report since XX/XX/2023 and it needs to reflect the current balance and payment amount of {$140.00}.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX  - XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX Collection XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX 2019
Consumer complaint received 2023-02-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX ACCT # XXXX 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 2023-05-22
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. (UT)

Experian has my " profile '' name correct. Experian is charging my credit card automatically on a monthly basis and has been for all the years I have been a member. The credit card states my correct name. However, my credit report is and has been under my MAIDEN name for all of the years I have been a member despite all the disputes I have filed over the years. I have been married for XXXX  years and they will not change the inaccurate " reporting '' using my maiden name. In addition and of the utmost importance they have my birth date incorrect. I submitted my birth certificate via an online dispute clearly indicating my CORRECT BIRTH DATE! They still have not resolved this issue on my credit report and when I check the status they state they updated my credit report with my correct birth date. THEY HAVE NOT! When I try to submit another dispute to include both my birth certificate again and my marriage certificate which states my correct date of birth AND my married name it states " We are having technical difficulties. '' I have been disputing incorrect information on my Experian report for which I pay for every single month for years and finally gave up as they have not recognized any dispute due to " an internal policy '' of which they will not disclose. I am now filing a complaint.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX XXXX, irs, XXXX tool my identity and been using my social for over sites and markets. My name is XXXX XXXX XXXX, # XXXX
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (NJ)

On XX/XX/XXXX, I created a transaction for {$830.00} USD which was supposed to be ( per their disclosure on their website when creating the transaction ) available " within minutes ''. The transaction was held and held and held until I had to call on XX/XX/XXXX to resolve the issue which they claimed at first was because the local bank needed to verify my identity ( being a bank in the XXXX, why would they require the sender in the XXXX to verify their identity, and why would WorldRemit be the one to verify the information? I once again attempted to send money via WorldRemit on XX/XX/XXXX in the amount of {$460.00} USD. After multiple phone calls and many back and forths, my family member finally received the money on XX/XX/XXXX. This with WorldRemit claiming it was the local partner, then that it was a bug in their system, then that it was the local partner again, then that their support team was taking a look at the issue. Then on XX/XX/XXXX, I created another transaction in the amount of {$460.00} USD again, to the same recipient as the previous transactions and after multiple calls and backs and forths again with the same XXXX  of its the local banks fault, then that its their system that has a bug, then that they needed to verify my identity ( on XXXX different calls they needed to verify my identity then promised the money would be released within XXXX hours ) only for me to finally cancel the transaction XXXX days later on XX/XX/XXXX and do the transaction with XXXX XXXX which went through immediately. Now, me being the forgiving and loyal-to-a-company kind, decided I'd give WorldRemit another chance this month and created a transaction on XX/XX/XXXX in the amount of {$1100.00} USD. It is now close to midnight on the XXXX of XXXX, and wouldn't you know it - my recipient still doesn't have the money I sent, and on WorldRemits website it's stuck at " Local partner processing transfer '' which I'm assuming is the same XXXX.