davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: DISCOVER BANK (IN)

Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. 

On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. 

As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. 

I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My mortgage company ( AmeriHome ) sent me notice that my insurance policy was ending in 15days. I reached out to the insurance agent, who informed me that the mortgage company was billed for the insurance. 

Now I have reached out several times to the mortgage company to see what is going on and can not get any response. I emailed customer service, sent a message through their website, and I have called and never been able to reach an agent/person. 

This is the second time in which the mortgage company has been completely unresponsive during a serious and time sensitive issue, that has been caused due to their mishandling. What am I supposed to do if I have no possible way to contact the mortgage company at all, and they are responsible for having the issues taken care of?
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. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXXXXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account XXXX have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2018-03-02
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. (CA)

XXXX XXXXXXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXXXXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Consumer complaint received 2024-02-22
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. (LA)

" Dear CFPB-Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

I have an account on my credit that has been open for over 3 years now, I tried to dispute it, but all it did was extend the amount of time it will be on my credit. It should have fallen off at XX/XX/XXXX and now will stay on my credit til XX/XX/XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a pressing matter regarding an account associated with XXXX XXXX XXXX XXXX, a company with which I have no recognition or connection. Despite my diligent efforts to seek validation and clarification on this matter, I have yet to receive a response from XXXX XXXX XXXX XXXX, and the situation continues to be a source of distress and confusion. 

The account in question, identified by the reference number XXXX, was brought to my attention when reviewing my credit report. To the best of my knowledge and belief, I have never engaged in any financial transactions with XXXX XXXX  XXXX, nor do I acknowledge any debt owed to them. The absence of any recognizable connection to this company raises serious concerns about the accuracy and legitimacy of the reported account.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am continuing to have an issue opening up a credit, checking, and savings account with Capital One Bank, N.A. Capital One Bank is refusing to open up any accounts for me due to me having a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report, and having previous credit card accounts with Capital One Bank that was opened fraudulently and was the result of identity theft. Capital One Bank is discriminating against me based on my race, income, me having a bankruptcy and previous fraudulent credit card accounts with Capital One Bank. Capital One Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$18.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX as 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 2023-01-14
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. (IL)

On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAXXXX 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 I have uploaded all of the proper documentation to support my claim.
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (AZ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , IncXXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I applied for a XXXX XXXX Credit card through Synchrony Bank and was turned down due to what they call " High Risk Source of Application ''. 
I really don't understand this as I have excellent credit, am never late on my payments, and have really high scores on all three credit bureaus. I never get turned down for credit! 
This is very frustrating and contacting Synchrony Bank is no help as they can't even explain to me what this means! 
Another problem, they are not even doing a hard pull on my credit! I know that means a slight deduction in my credit score, but just do it!
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. (NJ)

I paid off a loan debt it and dramatically decreased my score by XXXX points from XXXX to XXXX when I paid off debt and I no longer owe the balance so my credit should have increased from XXXX to XXXX instead. Very discouraging I am doing the right thing by paying off a debt and I got punished for it.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to address a concerning situation regarding my Capital One credit card account ending in XXXX. I would like to bring to your attention the circumstances surrounding a chargeback that occurred, resulting in the subsequent restriction of my account. I kindly request your assistance in resolving this matter. 
First and foremost, I would like to emphasize that I have been a loyal and responsible Capital One customer since XX/XX/XXXX. I have consistently made timely payments and maintained a good credit standing. Unfortunately, an incident involving my XXXX, who suffers from XXXX XXXX and XXXX, has led to the chargeback and subsequent account restriction. 
On XX/XX/XXXX, my XXXX graciously offered to help pay down a portion of my credit card balance as a gesture of goodwill. However, due to the unpredictable nature of his mental health conditions, he later initiated a chargeback on the payment he made. This action was a result of his psychiatric symptoms and was not a reflection of my intention or involvement. 
I understand that Capital One must take appropriate measures to protect the interests of its customers and prevent potential fraud or misuse. However, I kindly request that you consider the extenuating circumstances surrounding this particular chargeback and its impact on my account. Also I XXXX XXXX was the original XXXX on his account for his XXXX XXXX  payments. 
To support my request, I have enclosed the following documents for your review : 1. Medical Documentation : Attached, please find relevant medical records and documentation confirming my XXXX XXXX diagnoses of XXXX XXXX and XXXX. These documents, provided by his healthcare professionals, demonstrate the influence of his XXXX XXXX  conditions on his actions. 
2. Payment Records : Enclosed, you will find bank statements and transaction records illustrating the initial payment made by my brother, as well as the subsequent chargeback. These records serve to provide a clear timeline of events and validate my account of the situation. 
3. Identity Theft Report Filed : with the Federal Trade Commission. 
4. Police Report : Signed by XXXX XXXX XXXX XXXX Deputy 5. Proof Of Identification : Driver License 6. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received a bunch of emails from Bank of America at XXXX indicating a new account was opened. I knew this was something done fraudulently so I contacted Bank of America Fraud department and they confirmed that someone used my social security number to open a checking account. They also used the name XXXX XXXX and and a fictitious mailing address from California! I contacted the fraud department and they canceled and blocked the account. My major concern is that my social security number is in the hands of criminals and I am reaching out to you for additional support and added protection for my identity and social security number.
Consumer complaint received 2023-12-05
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. (GA)

On XX/XX/XXXX both XXXX and transunion were notified that they had 15 days to stop publicly furnishing private information of mine. Its been well over 31 days actually. XXXX XXXX company was the only one who updated my account via XXXX but XXXXXXXX XXXX XXXX XXXX and aspire are all credit card companies who sent my public information to a 3rd party ( all 3 CRAs ) to furnish publicly. Furnishing recent and high balances is a ftc violation an fcra violation and invades my privacy rights. If my limit is {$800.00} transunion is not allowed to publicly furnish transactions and experiences over {$800.00} they are guilty alongside XXXX and XXXX this violates the Privacy Act of Consumer Financial Information Ru of the Gramm Leach Bliley Act. According to FCRA 15 U.S.C. 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) states consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Transactions and experiences are the same as recent and high balances that CRAs furnish against my will which is an invasion of my privacy and these companies need to stop violating my consumer rights
Consumer complaint received 2023-01-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate