davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I paid for a full one year gym membership at XXXX with a GMCardbacked by CapitalOneon XX/XX/XXXX. I paid for 12 months, the duration of the agreement, on the spot. I used the membership throughout XXXX and XXXX. In XXXX, more than a year later, I went back to the same gym. I asked if I needed to sign another contract. They said I could simply pay month to month. I gave them a new card issued by GMCard, once again. The gym apparently set up automatic payments without my knowledge at the time. I never signed any documents in XXXX. I realized this situation a few months after, and I called the gym at the time to ask them to stop charging me. They refused, and demanded I go in person to a gym to cancel the membership. I explained to them that I never agreed to being put on automatic payments, and that I was not under contract at the time therefore not under any obligation to cancel anything. They continued to charge me, and I disputed the charges on my card. I fulfilled all the requirements and responded to the credit card companys request in a timely manner. At first, the credit card reversed the charges. But then the gym sent a copy of the contract from XXXX of XXXX. From my understanding, the credit card company didnt really look closely at the dates and the stipulations of the document. They decided in the gymss favor even though this was an old contract that was paid in full and terminated. There was a whole year gap from when this contract ended to when I returned to the gym during which I never made a payment. 
We have been going back and forth for a few months. When I complained to the credit card company, first they sided with me. I wrote a letter and even spoke to a representative to explained that the membership agreement I signed is not binding for life. However, the gym sent the same membership agreement from XXXX, and the a different credit card department reverted to siding with them. The credit card company is not doing their due diligence to look at the dispute in front of them. Because I have no documents to prove I did NOT sign a contract in XXXX, they side with them. The only document they have provided is the old terminated contract from XXXX.
Consumer complaint received 2020-01-06
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. (GA)

I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.
Consumer complaint received 2020-01-13
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: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-11-30
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2020-01-13
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. (MD)

OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account XXXX XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.Transunion is also reporting this account as well, ive reached out to both parties to get information on this account last year XXXXSince then Transunion and XXXX have not supplied any information on this account. XXXX is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against Transunion and XXXX  and XXXX for violating the FCRA and my rights as a consumer.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion reported a credit card charge of {$5000.00}. I tried to get a credit report and tried to file a dispute on XXXX. Was not able to get the credit report or file a complaint. 
The {$5000.00} charge was a line of credit which was paid off in less than 3 weeks but TransUnion continues to carry an incorrect balance. 
Balance is XXXX.
Consumer complaint received 2021-09-06
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. (NY)

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, TransUnion, XXXX, and XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.
Consumer complaint received 2022-12-27
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. (TX)

I recently received a copy of my ( XXXX, XXXX and Equifax ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

Equifax Information Services LLC 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 2020-01-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Washington Collectors Tri Cities Inc (TX)

Company continues to make calls to my cell phone more than two three times a day. When you communicate with this agency they do not give the mini Miranda 's at all they proposed to be illegal office of attorneys and then they go to a realm of using profanity and threats of violence with continuous back-to-back phone calls I what they going to do. On a fourth interaction they have another representative call you from a different number proposing to squash all threats of violence in commence on apologetic sitting. The threats of violence. So immense there a police report had to be XXXX in order to protect the safety. The police officer also witness the agents threatening and cursing XXXX and failing to disclose what company they represent where they are located for a cease and desist and providing all adequate information. The phone calls continued even after filing XXXX threat with the XXXX Police department and the agents said that they don't care and not to mention they continue to curse and I have voice recorded messages of what they're intimidation consist of in general.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I am writing to report a discrepancy in my Mohela eligible payment tracker. Several months are missing from the tracker, which is impacting my progress towards loan forgiveness. I kindly request an immediate review and correction of the missing information.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have dispute this account too many time and the information still the same, Experian for do not cooperate at all, 1 - LOAN # XXXX XXXX PAY OFF AND CLOSED 2 - LOAN # XXXX XXXX - PAY OFF AND CLOSED 3- LOAN # XXXX -XXXX  -PAY OFF AND CLOSED
Consumer complaint received 2020-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (OH)

XXXX told me if I take out a private loan it wouldn't effect my federal aid which it did afterwards. Now XXXX XXXX XXXX, the private loan, is not honoring 6 month grace period and they cut me short on any other grace or deferments. They said requested deferment to be short but I never did. XXXX told me this wouldn't effect my federal aid and now I am stuck with private loan then have federal money. I have contacted XXXX XXXX XXXX to talk to them and they won't honor the full grace after I graduated. They wouldn't honor full deferment and I am not happy with XXXX. From what I gathered from XXXX these companies work with students not prey on students. There should be some kind of reformation on this. I've been paying this even though I lost my job and was in a car accident.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

back in XX/XX/XXXX  I closed my account with ASPIRE CREDIT CARD because I couldn't keep up with the fees and interest I was making payments, but my balance was not going down, no difference in my balance, I continued making payment until now, but my balance does not seem to come down, Aspire credit card decided to add a new charge to my card in XX/XX/XXXX  : is call maintenance fee {$12.00} a month, plus annual fee {$49.00}. 
even though I have close my account, no longer using this credit card. 
My question is, this credit card company can start new fees at any time? 
Charge for annual fees even though I'm not using the account? 
I'm still making payments, but I'm not using this credit card any more is a rip off.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (AZ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TN)

I called to a direct deposit form for a new job I am starting. I verified my account twice and and was told that they didn't think I am who I am. my mom, called in and filed a incorrect claim on my behalf months ago. that situation was corrected and I set up a code word so they would know that its me going forward. I gave that code word and also verified my account and was told that they didn't think I am who I am. while speaking to a manager I ask was this something that I would have to go through every time I call. I am a XXXX XXXX man, and I have a soft voice. some people would say I sound like a women. I cant control how I sound and I shouldn't be treated differently because of the way I sound. I feel like I have been discriminated against. no one should be treated the way I was treated today.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed several unknown inquiries with Transunion and XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly Transunion and XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 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 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 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Dear CFPB Government, This is XXXX XXXX, we got a payment XXXX from XXXX XXXX XXXX XXXX company on XXXX XXXX XXXX, we contact a man name XXXX XXXX , he paid us by PayPal . We delivered the packages on XXXX XX/XX/XXXX, the XXXX tracking number is XXXX, XXXX. Due to the shipping problem, XXXX XXXX from XXXX XXXX XXXX XXXX company open a case on Paypal, we keep contacting with shipper and buyer. A month later, they got the packages finally on XXXX XX/XX/XXXX. But Paypal refund XXXX payment to that company XXXX XX/XX/XXXX. We usually use XXXX to contact XXXX, when he made the payment we noticed that the address provided on Paypal did not match the address of the invoice we had made, so we asked XXXX about it and he clearly stated that he was going to send it to the address of the invoice, and we also confirmed with him his PayPal account, so that one could not be a false message. Even though we provided favorable evidence, PayPal still refunded him. We contact Paypal Many times, we can't believe that Paypal would impose a penalty like this and the way they handled it was really poor, they hung up on us before we finished speaking, that's very disrespectful for us. Later, after our insistence, PayPal called and told us they would contact the buyer, XXXX XXXX, through their PayPal account. Eventually, XXXX XXXX also replied to their email message clearly on Paypal and said they had received the goods. In this case, PayPal has already obtained the buyer 's reply and confirmed that the buyer has received the goods, but they still remain indifferent and refuse to pay us, which is very wrong. We hope CFPB can help us to defend our rights. Thank you so much.
Consumer complaint received 2020-01-12
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (TX)

I have been a Honda Customer for past 6 years with multiple leased vehicles with 0 late payments. 

In XX/XX/2019 I moved from XXXX to XXXX. My XXXX payment for 1 of my leased vehicles was returned. I did not receive a communication from Honda that it was returned until I received the next bill in XXXX in which was then paid in full. The account is paid in full and closed. 

I disputed as Honda said they attempted to contact me in which I did not receive any communication and as soon as I did ( next bill ) was paid in full. 

This should be removed from my credit report. I have a long strong history of credit including with Honda.
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants & Professional Collection Bureau , Inc. 
XXXX XXXX XXXX , XXXX, TX XXXX Reported an account in collection to all 3 credit reporting agencies as " joint ''. It is not. This is another family members sole responsibility. 

This company tried to contact me ( cold call ) several months but would not release any info unless I provided personal information which I do not do to unknown cold calls. 

This company fraudulently listed this as a " joint account '' in " collections '' against my credit. 

This company will not provide any information except to the other family member, yet maintains I am responsible. 

Action : This needs to be cleared on my credit files and this company should be severely fined for illegal and immoral business practices.
Consumer complaint received 2020-01-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX & XXXX XXXX USAA Began Fraud Investigations on Purchases of XXXX & XXXX of XXXX by placing Temporary Credits on XXXX & XXXX Listed as Adjustment Purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are Not included in Total Credits Applied for this period {$910.00} APPLIED I have Not been Notified the Results of the Fraud Investigations Begun XXXX & XXXX. A FULL YEAR LATER ON CHARGES TWO YEARS AGO What is the Resolve of these fraud investigations? Were Credits made Permanet? Why? When? 
Criminal Investigation of mail fraud. Letter dated XX/XX/XXXX sent XXXX Requires Proof Tracking DELIVERED INTO MY HANDS XXXX & XXXX Fraud Investions above are from Purchases of XXXX & XXXX of XXXX. Why did USAA DELAY 5 months BEFORE EVEN BEGINNING AN INVESTIGATION? I HAVE BEEN LIABLE FOR FRAUD FOR TWO YEARS UNRESOLVED AND SENT TO COLLECTIONS