davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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. (NV)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

The government has made it so that an individual can place credit freezes on your credit reports. XXXX  and XXXX  have allowed me to freeze my reports while Experian has not. Experian will not allow me to place a freeze on my account, and is requesting I send all my sensitive information together in a mail to them to request a freeze. This delays my ability to freeze and thaw my reports electronically when needed, and leaves all my information potentially vulnerable to anyone who might put hands on and or open the mail I send with all of my sensitive information. And when the mail gets to Experian, I have to hope whoever opens the mail, doesn't steal or leak my information. I'd much rather take my chances with electronic encryption. My only option is to pay them to lock my account. I feel Experian is failing to comply to Federal standards.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Placed a order on XX/XX/2019. Never received the XXXX   delivery. The cc company gave me a refund for the amount. Later I had another charge that was the same amount of the XX/XX/2019 order. More than a month later I was called and told I was given a refund that appeared on the XXXX statement and the XXXX statement reflected that I returned the item to the store for a refund. The store return was for another a different purchase.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital Quicksilver One Credit Card is a fraud. The company lied on the phone about payments and then they charge internet fees. They told me to send information to a credit number and it was not correct. They proceeded to charge me interest despite paying my balance in full. They charged me fees multiple times and when I asked them why, they said fees are charged daily even though I paid it off. Upon closing my account, their system was conveniently down and they didnt issue my rewards. They said they would send me a check and that did not happen due to technical difficulties on their end. The same difficulties that led to over {$300.00} in fees. They are stealing consumer money. The calls are recorded and their foreign employees are giving wrong information on payments then theyre refusing to fix the error.
Consumer complaint received 2020-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a Bank of America mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Consumer complaint received 2020-03-14
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 (CA)

In XXXX I made two payments to Capital one with mu old card ending in XXXX, one for XXXX dollars and the other for XXXX dollars totaling XXXX dollars. I disputed a charge with their dispute department for XXXX dollars with XXXX XXXX XXXX for excessive fees. I received a letter stating that the investigation was over and final and was given a XXXX dollar credit. My credit card limit is only for XXXX dollars. My balance is now XXXX dollars because they charged me twice for XXXX dollars and XXXX for XXXX XXXX XXXX  which was paid in XXXX, they added XXXX to balance and called several times and nothing is being resolved Helped. I requested to speak with a manager and was not granted.
Consumer complaint received 2021-03-19
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. (GA)

Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Edward F Bukaty III (LA)

On XX/XX/2020 I send XXXX XXXX XXXX, XXXX an Affidavit of Truth concerning an alleged debt certified mail that they were trying to garnish my wages.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

On XX/XX/2020, I filed a mortgage application with my credit union. I had discussed this application in advance with my loan officer and he indicated it would take a couple days to hear back. On XX/XX/2020, I spoke with my loan officer who reported to me that all three credit reports came back blank, and that there was a notice that fraudulent information may have been used to request the data. Please note, my credit union utilizes a third party company, XXXX XXXX, to aggregate credit information. XXXX  and XXXX   quickly resolved the error and my credit union now has those reports. Equifax continues to refuse to release my credit report. I have spoken to three customer service agents between XX/XX/2020 and XX/XX/2020, and no one has been able to adequately address my concerns. I have no freeze or lock on my credit report. I have been instructed to have my loan officer contact Equifax 's business affairs department with no success. I have access to the online credit report from Equifax ( my.equifax.com ) but I can not retrieve a full credit report online either.
Consumer complaint received 2021-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXXthe Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Consumer complaint received 2021-03-19
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. (WA)

I noticed on my Experian credit report that I have a 30 day late notice posted back in XXXX and I called the vendor - XXXX XXXX and they mentioned it was a mistake. They said they would submit the updated information to Experian however my credit report has not been updated to reflect the on-time payment. I have spoken to them several times and each time they tell me the credit bureau needs to update the on-time status because they have sent the update to Experian. This has severely affected my credit rating and I'm not able to get any additional loans or additional credit because of this.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (MI)

Received a letter yesterday XX/XX/21 from Charles Schwab about an account open in my name using my personal info. I did not open said account at any time. Today XX/XX/21 recieved a debit card contacted Charles Schwab customer service informed them my identity has been stolen and used to open an account, police report was made. Spoke with Fraud department from Charles Schwab - Investigation and account was frozen will have continuous communication with me
Consumer complaint received 2021-03-19
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. (MO)

I disputed the Validity and accuracy of some alleged debts that were seen on my credit report that was provided by XXXX.I submitted the letter by priority mail certfied on XX/XX/XXXX which they received on XX/XX/XXXX. They have fail to respond to my request per the letter that was sent and I have checked online to see that the dispute has not been updated or resolved as of yet.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz USA LLC.

Mercedes reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX  balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, XXXX and XXXX XXXX. Mercedes need to XXXX  balance, remove negative remarks ( late and repossession ).
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XX/XX/XXXX.
Consumer complaint received 2020-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IL)

Predatory lending. 

I had been receiving Upstart mailings for probably two years. Each time I would ignore them, and they would send a new offer. 

I needed a debt consolidation loan to get some XXXX  school loans off of the Bursar 's books and to pay some back taxes, and decided to give them a try. It put in the application within a week of expiration of one of their offers. 

The Upstart website clearly asks for bank statements within 90 days. I followed their instructions, uploaded all the documentation, as per their documented requirements. It took me a few days. 

During the process, they changed their qualification rules during the process and found a number of excuses to delay the transaction until the term expired, at which point they used it as an excuse to jack it up to a 30 % APR and lower the amount offered.. 

Of note, they claimed that a single-member sole-proprietorship LLC business checking account didn't qualify as a personal checking account. According to the IRS, a single-member sole-proprietorship is a disregarded entity. So it should qualify as a personal checking account. 

But the main complaint is that they're not following the documented procedures on their website, and are engaging in predatory lending practices. 

Also, it should be noted that the banking industry recently received a $ XXXX dollar bailout from the government. It's unconscionable that lenders are reverting to predatory lending in these times.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently was alerted to stated debt by XXXX XXXX XXXX by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

American Express deliberately refused my attempts to pay my bill and instead sued me for the balance due. They fraudulently reported incorrect information about my account to the credit agencies for over a year with the knowledge that it would cause me financial damages.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Trinity Enterprises Partners, LLC (MD)

Trinity Enterprises and their associates, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX all continue to lie and mislead instead of return funds that are rightfully owed to me as the consumer. They take credit for removing negative items on my credit reports when I am responsible for those actions by paying off the balance and then negotiating with the creditor and credit bureaus for removal. Trinity Enterprises even goes as far as to mock and threaten me in their email chain for fear of being exposed. I will post the conversation below. 

" He signed the application that says we can defend ourselves. We can show America his emails and outline of deletions. Often in this case many in America we read our responses and his file in general and allow social media to decide. This will bring us clients once we show how he hurt himself and hindered us in this process and adding new negatives.. 

We can also outline the details on social media I have all the logs.. 

Legal please look for the following emails regarding this client ''
Consumer complaint received 2021-03-19
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. (TX)

I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX or Experian for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX member selling puppies, its a scam. XXXX dollars were sent to the person and the person never showed up for the transaction. Didnt answer any callls or replies afterwards. I also reported it to XXXX and they said they cant do anything about or close that account because they didnt see anything wrong with it. 

Call my bank since I use XXXX to send the money I explain what happen. They said they could help me out that it was voluntary. I told them nuts its a scam. They said it didnt matter. 

Bank of America is my bank. 
Scam happen XX/XX/22 in the amount of XXXX dollars