davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (MI)

I have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.
Consumer complaint received 2019-09-20
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: Experian Information Solutions Inc. (TX)

I recently sent a certified Method of verification request to Experian on XX/XX/2019. I've yet to receive a response or deletion of the inaccurate item posted on my credit report.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XXXX XXXX XXXX  I opened up a checking account with Bank of America. Before opening the checking account, I also had XXXX credit cards with Bank of America all set up for XXXX from an external Bank account. I also moved over my assets to become a Bank of America preferred rewards member. 

After I got home, my autopay on my three credit cards no longer worked. I called Bank of America and was bounced around to several different departments. One rep claimed I needed to wait a month for my credit cards statements to post. So I waited a month. 

The problem was not resolved. 

I then went in branch in early XXXX XXXX XXXX. I talked to XXXX people in person who claimed to " reset my billing system ''. They told me to wait XXXX hours and I could set up autopayments again. 

I waited XXXX hours, and was still unable to set up autopay. I then called BofA XXXX last time on XX/XX/XXXXXXXX XXXX XXXX  to explain everything that had happened until this date. They then reset my billing again, I waited the required XXXX hours and were STILL unable to solve the problem. 

Today is XXXX XXXX XXXX I have tried everything I possibly could. Now I would like to get the CFPB involved.
Consumer complaint received 2024-06-18
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: Block, Inc. (MI)

A hold was placed on my account. They state once merchant completes transaction money will be placed back in my account. 
The merchant has completed and reversed the transaction. I have got the authorization code for transaction as well tried to give to CashApp and they refuse to do anything or try to resolve this. Ive already contacted XXXX  and have been referred to you Cashapp is saying it may take 31 days to release my money. They are falsy stating once merchant completes funds will be back in account. Which Is a lie and this has been completed and still no access to the funds. This has caused hardships as far as missing Dr. Appts, no food to eat because the money they took overdraft the account and I had to pay a overdraft for something that shouldnt take this long. Original transaction was XX/XX/XXXX XXXX
Consumer complaint received 2023-02-08
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: Early Warning Services, LLC (CT)

I Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express advertises that it will provide XXXX access to sign up offer terms if a customer contacts them through their customer service channels. However I reached out enquiring about my sign up offer the representative was unable to verify the offer terms and I was told that I would have to reach out again in 5 business days. Because I was not immediately provided with the offer terms I did not meet the required spend by the set date. The initiative was left with me to reinitiate contact, but because I was not told the offer terms nor with any sort of specific estimate of required spend I could not reasonably have known that I was in danger of not meeting the requirements. Their explanation is that I could check my chat history but this is verifiably false, the chat history available to me in their app ended in XX/XX/XXXX and I was last provided with the sign up information in XX/XX/XXXX. American Express did not provide me with a reasonable method of tracking my spend requirements in a timely manner and so I unable to reasonably meet the advertised sign up bonus. It is reasonable to expect a credit card company to furnish the customer with the necessary information in order for them to meet an advertised sign up offer.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Second complain, I have a settlement offer from American express that I paid. 
They took the money, never send me anything in writing, and sent the balance to collection and report it on my credit report. 
When I reached out to American express and asked for the history of my payment to American express they keep saying that they can't give it to me. 
In the mean time I starting to get a new settlement offers from American express with out any explanation about the legality of the settlement. 
When I'm trying to call to the number the gave me, they refuse to give me any information that related to the history of my payment to American express or the legality of the settlement. 
I have tried to solve it for years and I'm seeking help, I can't get information and American express keep destroying my credit report. this is an abusing of power practice. 
Please help, Thank you!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

the company said I got a phone from XXXX but I have never owned a XXXX phone. I gave them the account number on my file they said 'this account doesnt belong to you it belongs to someone else.. But it was placed on my file. Then they said respond before XX/XX/2024 i responded to them XXXX XXXX and they still placed this on my credit report. I was in the process of buying a home and this popped up and delayed the process I am now asking for {$1500.00} for my pain and suffering and the money i spent out looking for a relator only to find out you guys placed false information on my credit report. I also want this removed from my credit report as I contacted the corporate team of XXXX and they said they have never heard of my account or do the have my social on file and I sent them a recording. So if i am not paid and this is not removed from my account I will be obtaining a lawyer.
Consumer complaint received 2023-02-16
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. (IN)

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. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 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 2022-11-05
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: EQUIFAX, INC. (NV)

o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY EQUIFAX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (MD)

credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (GA)

TSI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/2024 added a derogatory mark on my credit profile per XXXX XXXX for {$2900.00}. After further research this account was transferred/ sold and I am no longer responsible. Also there was no written form of communication or signed contract for this debt. The company responded with a statement The attached is a statement. Not a signed agreement or legally binding contract. Please remove this item from my credit report until validation above is received. Company provided XXXX forms of validation 1. A move out statement 2. A legally binding lease. I have highlight XXXX section XXXX. The move out statement showing {$2900.00} owed upon move out. XXXX. The amount of security deposit retained for the XXXX XXXX XXXX which is {$2900.00}. XXXX. A section in the lease pointing to upon move out a move out statement will be provided and a deduction from the security deposit will be made to cover. Im requesting a running statement of all months of this lease from inception showing where my security deposit went. It should have been applied to the move out statement
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2020-06-10
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. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : XXXX, Experian And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Hello- I applied for a Parent Plus Loan in 2015 for XXXX which is a Federal Parent Plus loan. in reviewing this account to date 4 years later I have paid XXXX, XXXX to interest and only XXXX in principle. Unfortunately, I was not educated enough in how a XXXX federal loan would turn into a XXXX repayment loan. Sure they offer lower your payment, or forbearance so that Navient can XXXX you over for more interest. I am a U.S. Citizen who pays taxes but seems to be XXXX so others can reap benefits freely. In the end I get XXXX by trying to provided a better life for our children by thinking that the college education Federal lending program is here to help U.S. citizens and their families when in reality it is loan sharking and extortion business. Unfortunately, I've learned this too late in life, but trust I will start a forum to lobby so that new parents who want their children to reach the " American Dream " can be educated enough to know that the federal loan program is not a smart financial decision and college just want your money. I hope you take these comments and go back to congress and restructure this extortion program and decide to help the citizens, vets of this country, instead of funding the people who live off the system that I pay for.
Consumer complaint received 2023-02-16
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)

violation of FCRA VIOLATION OF XXXX XXXX COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX 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 XXXXXXXX # 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had Capital One for Months with a XXXX limit. I use to pay them online they lost 3 payments and I resent them. I started calling them to pay it was working fine paying that way for months. This month of XX/XX/2022 I paid by calling in they took the money off my XXXX card 2 days later Capital One says XXXX took it back. I responded HOW 2 days later they took it back this makes 4 times Capital One says you're payment was returned I contact XXXX  they say Capital One is Lying. I tell Capital One to cancel the card I repeat I Told Capital One to turn this card OFF! A day later my balance is XXXX and on my Credit Report Capital One said They turned the Card of. And put it on my Credit Report they are liars thrives Con Artists They steal my money 4 times I repay 3 lie about cancelling the card and put it on my credit report. All this trouble for a Irreverent {$300.00} credit limit. I want to go to court with them my transactions are Recommended and Proof I paid but they told me to get a Lawyer.