davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am requesting in writing on Capital One letterhead once the Capital One/Neiman Marcus account is paid off, this will be removed from my credit report. This is a charged off account which means it MUST remain on my report for 7 years weather I pay it or not and it doesn't remove the account from my credit report. Clearing up the past due balance doesn't erase the fact that my account was actually charged-off despite me contacting Capital One/Neiman Marcus notifying you when I was laid off from work without notice. 

I was trying to show good faith as this is my responbility, but I was late on my XX/XX/2019 payment due to XXXX and a week did not even past before Capital One reported to the credit bureau I was late. Capital One could have reached out to me and I could have explained I planned to make my payment on XX/XX/2019 which was my next paycheck, but since the good faith is not being returned, I want in writing that once this is paid off, Capital One or Neiman Marcus will remove this from my credit report. 

Not to mention, they see it is a struggling account and Im trying to catch up on payments and even when payments are made ( attached copy of payments from my account ), they are still adding on late fees making it IMPOSSIBLE to catch up ( attached breakdown of some of the late fees accumulated from this year alone ). If I can not get in writing this will be removed upon me finishing payments, you will no longer receive payments after XX/XX/19.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

This is for Complaint XXXX XXXX AMEX Gift card case. 
A check was suppose to be refunded to us for {$59000.00} from AMEX for all the Fraudulent gift cards that was sold to us. The check came but it got returned by our bank stating the check AMEX sent to us was a Fraud check. We still do NOT have payment from AMEX.
Consumer complaint received 2023-03-01
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (TX)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Since the XXXX year, it's only been XXXX  days. This company has called me over XXXX times. I get XXXX calls a day from them. I have told them I do not have the money and they continue to XXXX me every day.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Dealing with this company is horrific. 

I need an urgent removal of my security freeze and the overseas agents refuse to aid me in this process. I have offered multiple ways to verify myself with my PIN and have requested a new PIN but need this freeze urgently lifted! Please phone me immediately to aid in this removal prior to FCC complaints and media contact. 

This is abhorrently unacceptable and I require urgent assistance to ensure I am able to open my new account. Thank you kindly.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

Hi I was trying to add my credit card to XXXX XXXX  and I also have higher interest charges on my credit card statement and Im struggling to make ends meet and finally I having trouble adding my credit card on XXXX eats and the credit card company told me I need to contact XXXX and XXXX support to fix the problem in which I did and I dont feel comfortable giving out my credit card information to XXXX and XXXX over the phone ... and TD bank reps were rude to me and hanging up on me and transfer me to different departments and all I wanted is too add XXXX   XXXX
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Evening ; I been trying to reach out to capital one for a while now requesting detail documents pertaining agreement, consent, the original application, and question about the way it's reporting on my credit report from all the 3 credit bureaus. Then I get something canned as templates from them, asking me for more information. I simply asked for detail verification of this alleged debt, exercising my rights under FRCA guidelines of section 623 where it allows me as a consumer to address the furnisher directly. And then I received general templates saying that they want me to be more specific. Why can they use the 30 days window to investigate and provide me the documentation requested?
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries founding in my credit report
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today I received a letter from Bank of America failing to provide the information of requested documents of all accounts Bank of America has also used to supply address to the apartment needed in which to send a certified letter to in regards to requesting the documents that is needed and that had been requested over four months ago which has not been provided as of this date. I was notified that there were several several accounts open up my in my name in different amounts and Bank of America I have requested them to send me every single one of those documents all information pertaining to these count provided by federal law and which they have refused to do so I'm here by giving him another 15 days to supply these documents or I'm going to file with the Federal trade commission and I'm also requesting them to cease and desist after the 15 days of all communication all post in or anything and this will be considered as a legal document I need the information all they supply me was account numbers I can not do anything or the police department can I do anything with reference numbers not any good show me proof I want the proof which gives me the right to request the information from you. Here is the letter Bank of America has sent to me without the related proof of each one of the documents I can not do anything nor can a police department we don't know what's going on in these cases I have a right to know the transaction history and what was bought with all of these and what address was associated with this account
Consumer complaint received 2024-03-12
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. (FL)

I CONTINUE TO MONITOR MY CREDIT REPORT AND THIS ACCOUNT FROM XXXX XXXX XXXX XXXX KEEPS APPEARING ON MY TRANSUNION CREDIT REPORT IT WAS DELETED OFF MY XXXX AND XXXX CREDIT REPORT AFTER THEY BECAME AWARE OF THIS ERROR AND VIOLATION. THIS ACCOUNT NEEDS TO BE DELETED OFF MY TRANSUNION CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2023-07-13
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. 

I have previously filed XXXX formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. 

On XX/XX/XXXX at XXXX PM, in a conversation lasting XXXX minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). 

To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from XXXX months ago before they could proceed. What level of professionalism is this? Who should I return goods to after XXXX months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? XXXX! 

I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. 

Thank you. 

Sincerely
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (CA)

On XX/XX/2022, I received an XXXX for XXXX services through XXXX XXXX XXXX XXXX XXXX. They charged me {$200.00} for this service. 

On XX/XX/2022, my insurance company, the XXXX XXXX XXXX XXXX, through XXXX, provided an explanation of benefits where my member rate for this service was reduced to {$130.00}. There were other services on this EOB. 

On XX/XX/2022, I received an invoice for the services in the above EOB without the the {$130.00} listed. Total bill was {$250.00}. 

On XX/XX/2022, I paid the {$250.00} in full via the XXXX XXXX XXXX XXXX 

From XX/XX/2022 to present, I received only 2 statements, one for {$30.00} and one for {$45.00} ( which was for the original {$30.00} plus {$15.00} more for other services ). The total {$45.00} has been paid off. 

Approximately XX/XX/2022, I received a debt collection letter from ARSTRAT, associated with XXXX XXXX stating that I owed {$130.00}. 

On XX/XX/2022, I called XXXX XXXXXXXX XXXX finance department to get a better understanding of why my bill to ARSTRAT for debt collection. I checked the XXXX XXXX XXXX website which showed that I had a {$0.00} balance. I checked all the online invoices which did not list the {$130.00} owed in any invoice. Additionally, my personal setting shows that I should be receiving invoices via email. The individual stated that XXXX XXXX had sent me 3 paper invoices ( which they chose to pick email/online invoices and did not provide me ). The individual confirmed that I had a {$0.00} balance owed to XXXX XXXX and could not provide any information as to why I did not receive any email invoices. I did not receive any paper invoices from XXXX XXXX and believe it wrong that they sent my claim to debt collectors. 

I requested to talk to a supervisor to have XXXX XXXX to put the {$130.00} back into the XXXX XXXX XXXX XXXX so that I could pay for it. I explained that it was improper for this to be sent to the debt collectors. 

I request the CFPB contact XXXX XXXX to move the debt from ARSTRAT to the XXXX XXXX system. I request that CFPB find out why the {$130.00} was not included with all the other payments I made this year. I also request that CFPB find out why my online profile shows I am receiving email statements and allegedly XXXX XXXX decided to send this one payment invoice via regular mail, which makes no sense.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX  - XXXX  XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX   XXXX, XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX  - XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX  XXXX XXXX  XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Consumer complaint received 2023-03-01
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX MO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: Convergent Resources, Inc. (TX)

A company named Convergent Outsourcing inc. Is attempting to collect a debt that i do not believe is mine for a company named XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 US 1681a Section 3 ( e ), I have the right to request a proper consumer investigation which should include interviews of neighbors, friends, and associates who may have creditable knowledge of this assumed debt by the creditor. I sent a letter out by certified mail to the company requestion the proper investigation my tracking number is, XXXX. I request a full copy of the report which should include name, addresses, numbers what was asked what responses were and what the conclusion of the investigation was. If the investigation is unconclusive i request that both companies cease all efforts to collect and they remove any information that has been reported to the credit agencies.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX - CARD SERVICE -- >Inquiry date -- ->XXXX XXXX  XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX  XXXX, XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX   XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX - CARD SERVICE -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  XXXX -- -- -- >Inquiry date -- ->XXXX XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX CREDIT/XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX/XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GENTRYS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX