davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2022 and XX/XX/2022 I made XXXX purchases on my Capital One Credit Card. These were deposits to XXXX French mountain huts for an upcoming summer hiking trip ( {$12.00} and {$21.00} ). These were not cash advances. I utilized a company called XXXX XXXX XXXX as the huts did not have the capability to take payment directly via credit card. In checking my online statement, Capital One treated each as a cash advance. I called them to ask them to remove the fee as in no case was this a cash advance. It was a deposit to secure lodging in XXXX. I called Capital One on XXXX the XXXX of XXXX and again on XXXX or XXXX  the XXXX or XXXX to attempt a resolution of this issue. They told me they would not be able to remove the fees and it is up to XXXX in how they classify the transaction. They mentioned the XXXX - XXXX XXXX XXXX. Capital One told me they are just the issuing bank and that they have no discretion in whether to issue the cash advance fee and they suggested I call XXXX. I contacted XXXX and they told me they have no control over how the transaction is classifed by the issuing bank or the credit card company, in this case XXXX. So the only resolution I obtained from XXXX is that they would provide a " gift card '' for the fees I paid to XXXX that I can use on a future XXXX transaction. This credit would be added to my XXXX account. To be clear, the transactions processed by XXXX were accurate and processed correctly. I am not disputes the {$12.00} and {$21.00} charges on my Capital One XXXX. Those are valid. My issue is with the XXXX separate {$10.00} cash advance fees that Capital One charged in conjunction with each transaction. I am unable to get resolution ( specifically the removal of {$20.00} total in cash advance fees that were charged ). Your assistance is appreciated in getting these fees removed. I went ahead and paid Capital One because I did not want any interest to accrue as Capital One is treating them as cash advances. I thank you for your review and am available to answer any questions you may have. Please see attachments, including my Capital One charges and online chats with XXXX.
Consumer complaint received 2023-04-09
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. (NE)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (OR)

Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.
Consumer complaint received 2022-02-26
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. (OR)

Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.
Consumer complaint received 2023-04-09
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. (SC)

XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX 2024
Consumer complaint received 2022-02-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

Im writing in reference to complaint number to XXXX submitted on XXXX XXXX TD Bank claims that I never received a promotion offer in the mail so that Im not eligible for this promotion of {$200.00}. This is true I never received a promotion in the mail but I did get the promotion online from TD Bank .in this online promotion there is no mention at all that this promotion had to be offered. I have attached the exact promotion and qualifications from TD Bank online offer. Please show me where it says that this Promotion had to be offered to be. 
I have met all the qualifications listed in the online offer and therefore request an immediate promotion of {$200.00}.
Consumer complaint received 2022-02-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Both accounts were closed by company with a {$0.00} balance and an over {$2000.00} credit line available to each card. Capital One & XXXX XXXX, with NO EXPLENATION of closed. 
CAPITAL ACCOUNTS Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
View Details Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted. 
XXXX  XXXX XXXX  NA Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted.
Consumer complaint received 2020-12-18
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have now spent over 5 hours on hold on the phone. I am using up my entire phone plan in attempts to communicate with BOA. Only to be provided with misinformation and no helpful solutions to my issue. 

I had an estate checking account ; the estate was closed in early XXXX. 
I phoned BOA to find out how to close the checking account while retaining electronic access to the historical records for this account. 

The person I finally got through to on XX/XX/XXXX told me I did not have to close the account, that I could retain access electronically with an account balance of 0, and I was assured that there would be no charges for low balance, etc. 

So I did that. Funds were moved out of that account on XX/XX/XXXX. 

About 10 days later, I received XXXX cents in interest. 

I tried unsuccessfully to transfer that amount out, and I got an error that the amount was too small to transfer. 

Recently I received a charge for {$25.00} - monthly service charge. 

I phone again today. After another long wait, they told me I would need to close the account, but I was again ASSURED that I would still retain electronic access to the historical records. 

In fact, however, all electronic access has now been lost. 

I phoned again. Another long wait on hold. Transfer to supervisor. 
Another long wait on hold. 

She told me that once the account is closed, all online access is permanently lost, and that I can not re-open the account to regain access. 

I am EXTREMELY unhappy with these experiences with BOA. 

I would appreciate help in restoring access to the account that was closed this morning ( with the false promise I would retain electronic access to the records ) -- whether by re-opening the account ( which they told me was Impossible ) or by providing electronic access to the records from the now-closed account.
Consumer complaint received 2022-02-26
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. (MA)

This is another situation of XXXX XXXX XXXX XXXX, XXXX trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from Experian dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and XXXX XXXX XXXX Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, indigent woman with only a high school education to be again terrorised into having another cardiac event as I recently had XXXX XXXX this causing severe emotional duress with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of XXXX XXXX XXXX XXXX, NA being now called XXXX XXXX XXXX is doing this to me on behalf of XXXX XXXX XXXX XXXX, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.
Consumer complaint received 2022-09-29
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. (VA)

I have contacted Experian several times for reporting inaccurate information and issue with my accounts, so it comes to my attention that the reason Experian is refusing to remove the inaccurate bankruptcy information from my reports is because they have two of my accounts that are charge off labeled as bankruptcy and they were never a bankruptcy. The two accounts that I am referring to are listed below : XXXX XXXX XXXX XXXX CLOSED CHARGE-OFF {$6600.00} : XXXX XXXX ACCOUNT CLOSED CHARGE OFF BALANCE LEFT WAS XXXX EXPERIAN HAS STATED ON SEVERAL OCCASIONS THAT THIS WAS FIXED, BUT ITS NOT WHEN YOU LOOK AT CREDIT REPORT IT STATES CHARGE OFF BUT WHEN SOMEONE INQUIRIES ABOUT. MY CREDIT IT STATES THESE ACCOUNTS ARE BANKRUPTCY WHICH IS INACCURATE THEY HAVE NEVER BEEN IN BANKRUPTCY AND THIS IS HARMING MY CREDIT. BECAUSE THEY ARE ALSO REPORTING BANKRUPTCY IN MY PUBLIC RECORDS 2 TO BE EXACT THAT THEY HAVE REFUSED TO REMOVE. AND I WOULD HAVE NEVER KNEW THIS IF AN EXPERIAN CUSTOMER SERVICE REP DIDNT VERIFY WITH ME UNTIL XX/XX/XXXX THAT THIS WAS THE ISSUE. BECAUSE THEY ARE CAUSING SO MUCH HARM TO MY CREDIT I FILED A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE WHICH I WILL ATTACH TO THIS COMPLAINT THAT EXPERIAN HAS REFUSED TO FIX THIS INACCURATE INFORMATION.
Consumer complaint received 2019-08-05
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. (FL)

I have send numerous letters to Equifax to delete errors on my credit report, no matter how many letters i send, they dont fix anything, i send all letter with a copy of my driver license, social security card and they send a letter saying i must send those docuemnts, i am tared of their irresponsibility and lack of care showing teh following errors : XXXX XXXX  XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl reported XX/XX/XXXX Never lived at any of this address and must be removed consumer statement Fraudulent application may be submitted or my identity may have been used without my consent to Fraudulent ontain goods or services do not extend credit with out first verifying the identity of teh applicant this security alerts will be maintain for 1 year begging XX/XX/XXXX XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX none authorized by me..no documentation that proves i did them
Consumer complaint received 2022-02-26
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. (GA)

1. An Official Change-of-Address was submitted to USPS by an unknown person/entity. I am the only person in this household of 5 included in the fraudulent CHANGE OF ADDRESS REQUEST. My address has not changed in 27 years. The address change was initiated around XX/XX/XXXX. I can not be certain of the date because I am locked out of my online USPS account. I went to the Post Office on XX/XX/XXXX. The address change is sending my mail to XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. This address is rental property listed by XXXX. I called the Rental Agency : XXXX XXXX XXXX XXXX XXXX, to inquire about the above address. The residence is occupied at present so someone is getting my mail and packages. 
2. XX/XX/XXXX : USPS Informed Delivery showed a check from XXXX. I checked the box to indicate that the item was not received. Loss {$93.00} issued on XX/XX/XXXX. 
3. XX/XX/XXXX ( estimate ) USPS sent Official Change-of-Address Validation. I called to dispute the change. The Validation key printed on the notification to dispute this change of address was invalid. No resolution on the phone. 
4. As of XX/XX/XXXX, Losses of merchandise ordered online is between {$300.00} to {$700.00}. I have receipts 5. MOST IMPORTANT : I am trying to dispute fraud on my credit reports.

a ) The report ( s ) show at least 4 hard inquiries and 15+ soft inquiries. I did not apply for any credit or initiate any inquiries. 
b ) Experian credit report lists fraudulent addresses in my history including XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. I can not get an Experian Rep on the phone to file a fraud claim. I tried to file a fraud claim on-line at Experian.com/fraud as directed by the automated phone menu since no live person was available to accept my call. The Experian site is sending verification messages to a bogus email address which I do not recognize and can not access. Who knows if the recipient can now change my username and password in Experian SINCE I CAN NOT GET ANYONE ON THE PHONE TO ASSIST WITH THIS FRAUD. I must wait until Monday when Experian resumes business hours. A lot of damage can be done in 48 hours. Thanks Experian. How can a primary credit reporting company not have 24/7 service to report fraud?
Consumer complaint received 2022-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I disputed a positive account in exceptional standing only because I thought once I closed it, it would be removed from my credit report. I did not know that closed accounts couldn't be removed from my credit report. Experian incorrectly disputed the actual validity of the account itself, and when the status of the dispute didn't change, they lowered my credit score 4 points, as if this was a negative account, and it is a positive account so my credit score shouldn't have been lowered just because the status of the dispute is that it remains unchanged and is still listed on my credit report. Therefore I want to file a complaint about Experian.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I was apart of the Equifax breach since then every month without fail I have had incorrect, fraudulent, bogus accounts placed on my credit report, causing me to constantly dispute! Isnt this injury to insult? Ive asked the customer service reps in XXXX, what are the methods you utilize to deem to responsible for these debts? I have none if the creditors havent EVER yet somehow they appear and Im supposed to prove my innocence guilty in Equifax court of law??? Ive lost XXXX of points never to regain them! WHAT if I needed to buy a car? A new home? They hold me accountable penalizing me for absolute nonsense! Ive had XXXX bogus accounts removed due to my diligence. Each time costing me points and struggle and 30 day waiting periods????? You allow these vultures to do this and it needs tp END now!!!!!!!!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (CO)

XXXX was apparently not properly notified with a warranty deed and apparently not paid by XXXX company when I sold my house. I have received debt collection notices from Transworld Systems Inc ( XXXX PA XXXX ) alleging they were collecting debt for XXXX. However, my records clearly show the alleged debt was paid via drop box ( XXXX in XXXX CO ) and that check has been paid. XXXX is at fault.