davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

I have a Macys American Express Card. I have had nothing but problems with this card. Mostly weird charges. Or, I will pay off the account, via phone, and then 3 months later, find out, that they left a {$5.00} or {$6.00} balance on the card, and now I am paying late fees in the form of hundreds of dollars and on top of that, it has dinged my credit score negatively. The first time this happened, it prevented me from obtaining a mortgage 5 years ago. I have had another round of issues with this card one year ago. I paid it off, and stopped using the card. I recently had my wallet stolen and have been checking on my accounts weekly. Yesterday when I went to check on this account which I do no use, I see a XXXX balance. Today, the balance is at {$13.00}. This is an unknown balance that they won't tell me what it is. I have phoned and am unable to get a human again. 

This card is Department Stores National Bank. I have filed disputes, closed the account and still I continue to have issues.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Hello, I was scammed on instagram by this lady who said she could invest my funds and give me major profit on my return. The only reason I did this was because I saw somebody I knew do it. However, I gave this person 3 thousand dollars and they were still asking for more. They were asking for another 4 thousand dollars. This was all done in the XXXX app. And I purchased etherium as currency. Im really scared and feel horrible about losing this money. Her XXXX  was @ XXXX. I asked for my money back and she no longer responds.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Receivables Group, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2020-12-27
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. (CA)

My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Consumer complaint received 2020-12-27
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. (CA)

My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, Experian shows charge-off began XX/XX/2020 and XXXX shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, EXPERIAN, XXXX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were XXXX created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the XXXX. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2020 : - Bank of America teller notified in person of lost/stolen Debit/ATM/bankcard at branch location in XXXX, Florida. 

- Teller put me on notice old card cancelled, new one to be mailed to me ( at my Michigan address ). 

- Bank was supposed to freeze old bankcard. Bank didn't. 

XX/XX/2020 - XX/XX/2020 : - Numerous fraudulent ATM withdraws in Michigan, totaling {$4400.00}. 

- I was in XXXX, Florida at all relevant times as shown by in-person cash deposits with teller at XXXX bank branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. 

XX/XX/2020 - I received a notice of low balance ( below {$25.00} ) by email at XXXX XXXX. 

- Note that the bank never notified me of ATM activity by email, text or otherwise XX/XX/2020 - Went directly into XXXX BOA branch. Teller provided three page printout of account activity. I identified fraudulent ATM withdrawals. I filed a fraud claim with the bank. 

XX/XX/2020 - Claim was denied by the bank, asserting the ATM withdrawals were " authorized '' ( on a card that should've been cancelled and/or frozen by the bank, for transactions occurring in Michigan when I was in Florida ) Notes : I have not been in Michigan since XX/XX/2020, but rather Florida since that date. 

When I notified Bank of America of my lost/stolen bankcard on XX/XX/2020 ( evidenced by the fact that BOA sent a new Debit Card and froze online/mobile access ), it should have immediately froze/cancelled the card. It didn't. All of the fraudulent activity occurred after I notified Bank of America of the lost/stolen bankcard. 

While I was making deposits in XXXX, Florida, in-person, directly to a bank teller, the fraudulent ATM activity was occurring in Michigan from XX/XX/XXXX - XXXX, 2020 ( three on same days in Michigan as in-person deposits in XXXX, Florida ). 

I kept depositing money while BOA provided NO notice of ATM/withdrawal activity, until XX/XX/XXXX when I was provided a printout in person at a XXXX BOA branch ( my visit prompted by the low balance notice on the evening before/XXXX XXXX ). I made the fraud claim contemporaneously/immediately. Only then the card was apparently frozen/cancelled by BOA, then of course no more fraudulent activity.
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I can't reach a supervisor to discuss issues with my PSLF forgiveness. Mohela shows my forgiveness only going back to XX/XX/XXXX when it should go back to XX/XX/XXXX. This has caused my PSLF payment count to only go from XXXX/XXXX to XX/XX/XXXX. My loan has been forgiven but if my payments were properly accounted for, forgiveness should be from XX/XX/XXXX to XX/XX/XXXX. That would mean any payments after XXXX would be refunded. 

I've tried calling Mohela several times to discuss this with them but whenever I contact them and get transferred to a supervisor I either get disconnected or wait on hold for hours and no one picks up.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, disputed an negative item on my Consumer Reporting account with the 3 major credit bureaus XXXX, XXXX, XXXX on XX/XX/2022 to the account which is the account the account number is # XXXX XXXX XXXXXXXX Bank XXXX XXXX reporting to all the consumer reporting agencies as Charged Off with a high balance of {$5700.00} which means you have a 1099c form from IRS XXXX Internal Revenue Service XXXX I am demanding XXXX XXXX Bank XXXX to send me a copy of the 1099C form. Notice, I will have to report this to the IRS. 

Section 61 ( a ) ( XXXX ) specifically includes income from discharge of indebtedness as gross income..Any amount of discharged debt excluded due to insolvency is limited to the amount of insolvency ; any amount forgiven beyond that would be included in gross income. Best regards. : )
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MI)

I don't owe anything to ONLINE IN SV ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2021-12-20
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. (DE)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have already sent multiple requests since XXXX XXXX, 2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The XXXXExperian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation (TX)

I received a check in the mail for {$2500.00}. The letter attached to it said I qualified for a personal loan, all I had to do was deposit the check. I needed to pay the taxes on my grandmothers land so I decided to accept the loan. I was behind on payments and they threatened me with jail, law suit, and said they would come to my place of employment. They served me with court papers at my home to sue for the entire amount of the loan plus interest and the total amount they sued for was over {$3500.00} after I had already paid off {$1000.00} of the loan. I sent in a lump sum of {$800.00} and they dropped the complaint. 
Then, I was XXXX from work due to my son getting XXXX and I called to talk to them about my payments being placed on hold, they refused to do so but then offered me another loan of {$1500.00}. I declined the offer but after two months of not being able to go back to work because I started showing XXXX XXXX, I called them to accept the loan because I needed to pay my mortgage. They offered me {$6000.00}, I told them I only needed {$1500.00}. I sent them proof of income, insurance, residence, and identification. They asked for 6 references which I gave them and then wrote in at the bottom of the reference page that I needed to write down five items for collateral, naming specific items : TVs cars rings, things like that. I told them no I didnt have to do any of this to get the original loan which is impossible to pay off because of a 35 % interest rate so why do I have to list my property? I declined the loan and told them to stop harassing me because they call me at least 4 times an hour and send mail everyday offering me more money. They continue to harass me everyday, I have proof of their calls, and Im not even behind on my payments.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXXr XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-02-21
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)

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian