davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2023-03-07
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: CITIBANK, N.A. (CA)

On XXXX  XX/XX/XXXX, I had lunch at XXXX XXXX in, XXXX XXXX, CA. I handed the server my credit card to pay which took him some time to bring it back to me with the receipt. I had not used my card anywhere else for almost a month after that. About 3 weeks later, I logged in to check my online account but the system asked me to update my password. I tried to update to a new password as requested, but the system would not approve the new passwords regardless of the number of attempts over the course of several days. The first week of XXXX, I attempted to log in again, and the same issue to update the password persisted. I contacted Citibank, where the representative tried to verify my account by validating specific transactions. I was surprised by the transactions she mentioned as I did not make them. The rep recommended closing the account and sending a replacement card with a new card number/ costco membership. I activated the new card on XX/XX/XXXX, where I was able to update to a new password to log into my online account. I was shocked to see that my credit card had been abused from XX/XX/XXXX to XX/XX/XXXX, where numerous charges at physical stores were made, maxing out my limit. During the span of XX/XX/XXXX to XX/XX/XXXX, Citibank never sent nor did I receive any fraud alerts ( texts, emails, phone calls ) ; nor did the credit card get blocked from the abnormal activities. The person also paid multiple times at different time frames for online identity/people searches, which makes me worried about my identity getting stolen. I am seeking an investigation into this financial crime to solve our dispute with Citibank and to find this credit card fraud abuser who was able to get a copy of my credit card and account information. As of XX/XX/XXXX, I contacted Citibank, where the representative stated that there was a card activation of the old card number ending in XXXX on XX/XX/XXXX. I am uncertain as to why Citibank would activate it again. Citi bank has failed to investigate this fairly, and arbitrarily declined all of our disputes stating that we are liable for all charges due to card still being in posession. In the age of information, many credit card abusers can make a copy of a EMV chip, steal credit card numbers and personal information from thin air. Citibank/ Costco did nothing to protect me from this fraudulent grand theft.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TV is everything in accordance with The Fair Credit Report act XXXX account, XXXX  XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (SC)

I worked directly with Comenity Capital Bank to set up autopay to complete and comply with the terms offered to take advantage of the promotional deal that was to save additional finance charges This payment schedule was set up in XX/XX/2021 for the amount of {$170.00} to be applied every month on the XXXX of each month to satisfy the loan by XX/XX/XXXX as my documents will show these payments were made by autopay as setup except on XX/XX/XXXX - Comenity Capital Bank on XX/XX/XXXX instead charged a {$27.00} late fee then on XX/XX/XXXX charged {$620.00} XXXX owed {$160.00} on XX/XX/XXXX and I paid {$160.00} on XX/XX/XXXX after being contacted by Comenity Capital Bank The bank has had no interest in explaining why they failed to complete the agreed upon autopay nor fix this error - I was simply told that there was nothing I nor they could do to address these changes I consider the loan paid in good faith and I am asking for your review and assistance in addressing this abuse and request that Comenity Capital Bank close this account in Good standing and report this to all credit reporting agencies
Consumer complaint received 2022-05-20
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. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
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 (VA)

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-22
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. (SC)

Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.
Consumer complaint received 2019-11-22
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. (VA)

Transunion said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Consumer complaint received 2022-12-16
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-11-22
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. (VA)

Equifax said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Consumer complaint received 2021-11-15
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 (CA)

On XX/XX/2021, I used my American Express card to purchase two tickets on XXXX for XXXX XXXX XXXX. The tickets were my my wife and I. We planned to travel to XXXX during the XXXX week. We paid {$830.00} for each airline ticket. The tickets were not refundable. When we purchased the tickets, the schedule called for us to depart XXXX XXXX, California on XX/XX/2021 and arrive in XXXX, XXXX on XX/XX/2021. On XX/XX/2021, we were scheduled to depart XXXX, XXXX and return to XXXX XXXX, California on the same day. On XX/XX/2021, I received an email from XXXX advising me that XXXX XXXX XXXX unilaterally changed my flight schedule. Instead of leaving on XX/XX/2021. The new schedule called for me to depart XXXX XXXX on XX/XX/2021. In addition, I would not arrive in XXXX XXXX until XX/XX/2021 as a result of a nearly 24 hour layoffer in XXXX, XXXX. XXXX XXXX XXXX also changed my return flight date leaving from XXXX, XXXX on XX/XX/2021 to XX/XX/2021. XXXX requested that I approve the change. I declined the schedule change and I received an email from XXXX telling me that I would receive a refund. When I did not receive a refund from XXXX, I contacted, American Express to dispute the charges for the airline tickets. I also contacted XXXX. On XX/XX/2021, I received a letter from American Express refusing to credit me account. I called American Express and I was told they would not remove the charges for the airline tickets. According to the U.S. Department of Transportation, I am entitled to a refund if the airline made a significant schedule change. In this case, I believe that XXXX XXXX XXXX made a significant schedule change to my iternary and as a result, I am entitled to a refund of the purchase prices. I have not been offered a refund by XXXX or credits for the fees that I paid. I would like American Express to refund me the fees that I paid for the two airline tickets on XXXX XXXX XXXX. I also believe that I was fraudulently induced by XXXX and XXXX XXXX XXXX to buy tickets that never existed and XXXX and XXXX XXXX XXXX intended to change the tickets to completely unusuable tickets and not issue to me refunds.
Consumer complaint received 2021-11-15
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: MoneyLion Inc. (GA)

I received emails with my name stating that I had been approved for an account with the business, Money Lion. I've never heard of the company. I was suspicious so I checked my spam mail and I saw an email in there as well.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

This complaint is related to complaint XXXX that was listed as closed but is not closed. 

I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. 

I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (ME)

I utilize credit karma and credit karma offered me a karma guarantee on a credit card that they were so sure that XXXX credit card company would approve my {$700.00} credit limit credit card and if i was denied i would get {$50.00} from credit karma. I applied for XXXX on XX/XX/2024 when my credit was pulled shortly after i received an email asking for additional information to approve my credit card which i found odd. i did comply with the request by XXXX XXXX XXXX and followed all the instructions and faxed in my information. in the email it outlines to wait a period of time for processing and i gave them double the amount of time needed and i heard nothing from them. under the fair credit reporting act i should be notified of a decision and receive that notification in the same means which in this case email they requested the information or by letter. ive received nothing from anyone. XXXX days ago i reached out to credit karma and you cant get an answer via support chat they email you and i cant get an answer calling and even when i spoke to a supervisor.. he wasnt trained and hasnt done what he said he was going to do telling me he was tied up. also im chat they said they were going to escalate the matter and i heard nothing in over XXXX hours and no one i was disconnected and the next person was just playing games pretending like they couldnt find my account but sent me all my account details etc etc. its a bunch of nonsense! i called them but they cant help over the phone. They then sent me an email stating i supposedly didnt complete my application which is complete XXXX. ive applied for other credit cards and get an instant decision from the same means so this is XXXX! i sent a random bank i dont know all my private info to apply for a credit card and since ive been trolled and spammed by them repeatedly offering me {$300.00} more then the orginal offer and to apply again to once again ding my credit. this is completely unethical, unprofessional and unnaceptable. there needs to be a decision and this didnt fill out my application XXXX when you apply through the app directly is nonesense especially after i even sent the additional information requested to approve or deny me, they just left it in limbo and blaming me to not follow through with their guarantee and i either want my credit or my {$50.00}
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (NV)

Every month when I pay my Total Credit Card on the due date ( XXXX of every month ), I am charged a late fee despite paying the payment on the due date. Despite making the payments on the XXXX, when they are due, Total Credit Card is intentionally documenting my credit card as being paid a day later, which intentionally results in me incurring a late charge. I have had to contact the company numerous times to make an adjustment to my account. In reviewing my account from the time that I was issued the card, this has occurred 3-4 times. I recently tried to fax in my dispute to the company, however my faxes can never go through. There is absolutely no reason why I am being charged a late fee almost every month when my payment is being made on time, and there is no reason why I should be forced to contact the company every month whether via telephonically, fax, or otherwise to address this issue.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (CO)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (TX)

I Received a letter in my mail saying that I cashed a check that was sent to me so Its a loan and I need to pay starting XX/XX/2021. I have not seen any check in my mail, I ve not cashed out anything and I ve not heard of the company TOWER LOANS before.