davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I purchased a 3 Ton Hydraulic spring compressor from a website that appeared to be legitimate. The website ended up being fraudulent and never delivered the product. When I opened a dispute with XXXX originally the seller then sent a single envelope with a page of stickers in the shapes of stars to satisfy the requirement that they show that something was shipped. XXXX would no longer accept my dispute and suggested I contact my card company. I contacted Capital One on XX/XX/XXXX to let them know what happened. They mailed me a disputes form which I provided all the information they requested but then got a letter indicating my dispute was declined. The reason for the declination is that they said they received my mail, but they didn't get a date that I canceled the transaction ( something completely irrelevant to this situation or dispute ). As far as I'm concerned Capital One and XXXX are both providing scammers the ability to setup these fake sites and send untraceable money through them using fake information. Neither of these companies have attempted to resolve any part of this dispute.
Consumer complaint received 2020-03-23
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: Commonwealth Financial Systems, Inc. (TX)

I pulled my credit to discover  that XXXX  is reporting mortgage lates from XXXX XXXX I researched and discovered that they are affiliated with XXXX XXXX XXXX. I had a mortgage approximately 10 years ago. The information is incorrect XXXX  will no longer investigate as they claim the information is correct ... it's not. I've spent hours getting sent from department to department, given email addresses that are no longer monitored. I'm angry and frustrated. My social security number ends in XXXX. The purported account number is XXXX
Consumer complaint received 2020-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Today XX/XX/2020 it took me 1 hr before finding someone. they offered a balance transfer months ago. I had a purchase previously. I realized after months that the capital on purchases keep increasing every month while the balance transfer decreased This is a money I will never finish payin ; from XXXX XXXX XXXX Purchases bal {$5400.00} while transfers {$3600.00}. 
XXXX purhases become {$5600.00} bal transfer {$3400.00}. 
XXXX XXXX XXXX purchases : {$5700.00} bal transfer {$3300.00} No money will be taken from purchases until the full transfer amount is paid in full. I was never told that otherwise there is no way I would have accepted the deal from the bank. 
I spoke to XXXX at XXXX XXXX. I asked if they can make ONE SUM  from the 2 and deduct the money left after payment of their interest. I will never finish paying those days where things are hard the bank should give a help to consumers. And BOA keeps adding a credit line and taking it after a few months make my credit score fluctuates all the times. 
My rate is 14.74 % they keep playing with me. the strategy is a fraud.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First FCU, headquartered in XXXX, UT, has done almost nothing to combat the spread of the coronavirus. While considered an essential business that must remain open during this pandemic time, they have only closed a few of their branches and keep most of the branch lobbies open to all. This is very concerning and does nothing to prevent/slow the coronavirus from spreading. Many other financial institutions have made the ethically right move of only keeping their drive-thru open at branch locations, but closing their lobbies. America First FCU appears adamant on keeping their lobbies open, which puts their employees and their membership in highly increased danger of contracting and further spreading the virus. They do not care if this means people in their organization and in their communities become ill or worse. This is unethical and disreputable.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I have sent a validation request and also requesting proof of the debt which I never received from this collection agency.I sent a certified letter on XX/XX/XXXX tracking number is attached in the files. Company never responded. 

on XX/XX/XXXX I sent a demand under FDCPA a letter advising LVNV was in violation for not complying to my first request sent on XX/XX/XXXX. This company still has not responded. Please see both letters attached with tracking numbers. LVNV is is violation with FDCPA, FCRA and also Texas debt collection practices. 



Second letter with tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX I was scammed on Zelle. I was trying to rent an apartment off of XXXX. I sent a payment through Zelle to hold the apartment. An agreement was signed stating that if for any reason I wanted my money back before moving in they would return my money. After I had sent money I found another place I liked better, I asked for my money back and didnt get it back. I contacted XXXX XXXX which is who I bank with and Zelle which is where I sent the money from both parties pretty much told me well we cant help you that you were scammed to bad. This is such bad business and Zelle and XXXX XXXX should protect their customers against fraud.
Consumer complaint received 2020-03-23
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: DISCOVER BANK (SC)

A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).
Consumer complaint received 2019-12-05
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. (NC)

4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have requested on at least three different occasions for XXXX XXXX XXXX to send me paperwork to validate the debt they claim that I owe on my Equifax XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in XXXX XXXX XXXX has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OR)

I received a {$95.00} charge on my amex travel card. When I go online it states the rates and fees are the same as the basic card. So I click on that link and it says NO FEE. I chat message with custoemr service and they say no there is a fee but all basic marketing materials show it has NO FEE. They send me a link to a 28 page document that says there is a {$99.00} fee. I tell them this is deceptive that their marketing material shows no fee but that the fine print shows a fee. They refused to refund the fee. 

This is the link it directs you to which states NO fee : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaGold-CardMember-click-filmstrip : delta-skymiles-blue-american-express-card https : //www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/delta-skymiles-blue-american-express-card/36182-11-0/ # FeeTable This is the page with the broken link that directs you to the link above : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaBlue-CardMember-click-filmstrip : delta-skymiles-gold-american-express-card
Consumer complaint received 2022-09-15
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. (NC)

Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
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: DISCOVER BANK (NV)

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : Discover FIN SVCS LLC Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Consumer complaint received 2020-03-23
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. (SC)

I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.
Consumer complaint received 2020-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I received a letter dated XXXX XXXX from Bank of America, Reference number XXXX. This letter thanked me for my interest in the XXXX XXXX XXXX Visa XXXX  card and that they needed to speak with me to verify information on my application. 
I NEVER applied for a XXXX XXXX XXXX Visa XXXX Card. I phoned the number on the letter XXXX immediately to notify Bank of America Fraud Department. I was told the applicant used my full name, address, date of birth and my SOCIAL SECURITY number. I requested that they send me a letter stating that the application was canceled and no credit card was issued and notify the credit bureau. I spoke with 5 individuals, XXXX, XXXX, XXXX, XXXX and XXXX who said they would take care of it and have received nothing. It has been over a month. I have no closure in this matter.
Consumer complaint received 2020-03-23
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: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX I asked Wells Fargo to add a friend of mine to be an authorized user on my credit card account. I did not ask to add her as a joint account holder. She only had a card with her name on it. The account is mine and I opened it in XX/XX/XXXX. I recently asked Wells Fargo to make that card invalid and remove my friend as an authorized user. Wells Fargo reported to the credit bureau that the account was closed and this affected my friends credit score and it went down 100 points from XXXX to XXXX. The account is not closed and she was simply removed as an authorized user. My credit score was not affected at all because the account is still open and I am the account holder. 

This is unfair credit reporting. I know this because I am an authorized user on my employer 's credit card account. If I quit my job and they take me off as an authorized user this should not reflect on my credit history because my employer 's account will still be in good standing and I am not responsible for the account after I am removed as an authorized user and my credit history should not be affected. Wells Fargo is committing fraud by falsely reporting that my friend closed the account when the account is actually still open. This violates the fair credit reporting act.
Consumer complaint received 2020-03-22
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 (LA)

On XX/XX/XXXX I paid XXXX XXXX  {$87.00} to overnight a package to a XXXX XXXX address. The package was scheduled for delivery on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX to inquire where the package was for the package had not been delivered. XXXX stated a delivery attempt was made but no one was home. Someone was the XXXX XXXX address all day. Also XXXX was given instruction no signature was required for the delivery ; therefore the package could have been left at the front door of the residence which happened to be a gated community. XXXX stated that the package would be at one of their stations for pick up the next day. I needed the package on XX/XX/XXXX. XXXX apologized and offered to refund me the overnight delivery fee and that I would need to call them on Monday to request a refund.The package was pick up from a XXXX station, XXXX miles away. 

I called XXXX to request the refund and was told the overnight delivery fee of {$87.00} would be refunded to my AMEX card. A month went by and I still had not received the refund. I called XXXX and they still claimed that the refund had been sent and to contact AMEX. I contacted AMEX and completed a dispute with AMEX around XX/XX/XXXX or XXXX of XXXX. I have not heard from AMEX or XXXX. Looking for my refund from XXXX to be credited to my AMEX card in the amount of {$87.00}. Someone please assist with this matter. 

Sincerely
Consumer complaint received 2023-05-06
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 have requested to have a XXXX  XXXX bankruptcy from 2014 removed from my report since it has been well over 7 years and is affecting my credit score, as well as preventing me from obtaining lower interest rates. XXXX immediately removed it once I filed a dispute, but Experian refuses to do so after several attempts, stating that it will stay for 10 years. I dont understand how one reporting agency removes any negative reports that affect my ability to obtain fair credit, but another refuses. Im seeking legal advice on this. My Wife and I are trying to build a new home, and I need this resolved. We BOTH have worked VERY hard to fix our credit after encountering unforeseen circumstances a decade ago All Im asking is for the credit reporting agencies to do their part and follow what I believe is standard procedure!
Consumer complaint received 2023-05-06
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. (KS)

Ive asked Experian to DELETE THE FOLLOWING ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MISSOURI - ( UPDATED??? ) XXXX XXXX XXXX XXXX XXXX XXXX MISSOURI The addresses stated above ; Ive tried disputing the addresses because theyre fraudulently stated on my Experian Report, but they wouldnt let me dispute online. Stating REQUIRED TO CALL I later called and was promised they would be taken off shortly after the phone call. I was also told they noted that the addresses are part of a FRAUDULENT ACCOUNT. They refuse to delete them after telling me they would take off ALL addresses other than the address I have lived at for the past 7 years.. 

( THIS SHOULD BE THE ONLY ADDRESS ON MY CREDIT REPORT ) XXXX XXXX XXXX, XXXX  XXXX, Kansas XXXX DUE TO IDENTITY THEFT AND FRAUD - I need the addresses deleted immediately, they even state different cities 50 miles apart. Please help!!!
Consumer complaint received 2020-04-02
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. (GA)

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX  XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Consumer complaint received 2020-04-02
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Braviant Holdings, LLC (OK)

Individual named XXXX called me from this number asking me to confirm personal information without telling me the purpose. After I asked him what the purpose of the call was, he told me the call was about pending litigation against me due to a personal loan. I told him I wasn't familiar with it then he said the loan company named Balance Credit was familiar with me. I tried to ask again what it was about and he told me I need to work on my comprehension skills, I told him not to call back. I then called him back basically to confirm it wasn't from a robo call or false number and during the conversation he again told me he was trying to confirm litigation towards me and a recommendation against me in XXXX XXXX. This seems highly illegal and he tried telling me it's legal in every state then basically hung up on me.
Consumer complaint received 2023-05-17
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. (MI)

I submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.