davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
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: NAVY FEDERAL CREDIT UNION (FL)

On My XXXX credit report by the name of Navy Federal credit union i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX other inquiries were reported XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ON my XXXX credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX CU XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bristlecone, Inc. (CA)

I spoke with a representive from one road lending who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to XXXX XXXX  who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX One road lending XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

I paid a bill for a purchase made at a XXXX store on a credit card issued by Comenity Bank. The payment was due on XX/XX/2019 and I mailed a check in the amount of {$28.00} for the full amount of the purchase to Comenity bank on XX/XX/2019. The check was made for the full amount of the bill. On the following month I received a bill in the amount of {$28.00} for a late payment fee. I called Comenity Bank and explained that the check was mailed in time and that they should not charge me a late fee. I agreed to pay a reduced late fee of {$11.00} even though I explained to them that the check was mailed on XX/XX/XXXX, that they should have noted the posting date on the mailed envelope, and that they should have marked the payment received prior to the due date irrespectively of when then received it. I paid the {$11.00} late fee on XX/XX/XXXX which was the due date on their bill. The following month Comenity sent me another bill for a late fee of {$30.00}. I called them again to tell them that I would not pay their late fee because it was paid electronically on the due date. They would not accommodate me. I cancelled the card and told them again that I would not pay another late fee on a late fee that I should not have received in the first place. Since then they have been billing me a late fee on a monthly basis and now I have a bill in the amount of {$270.00}. They have been harassing me, sometimes calling me as early as XXXX on weekends. They have damage my credit report that was at XXXX points with only one late payment in 10 years. I called Comenity again and told them that I would not pay the late fees and they propose to reduce the bill to {$130.00}. I told them, no thank you, and that if they didn't cancel all of my late fees I would report them to CFPB. The Comenity Bank representative did not seem to be concerned with my threat.
Consumer complaint received 2020-04-12
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. (NJ)

To Whom It May Concern, I recently was looking at my XXXX XXXX  as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX  had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. Thank you.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

I have been having lots of billing related trouble ( incorrect bills, Automatic payment stopped without any reason, XXXX minutes waiting time to get their representative on phone, email responses after XXXX days etc ) with my XXXX XXXX company ( XXXX ) for the last 2 years. My account number with XXXX XXXX is XXXX. I had numerous email exchanges with their support team regarding these billing snafus. 

In addition to these billing related issues, there have been 2 times in the past 2 years when my credit card was used fraudulently within a few weeks of registering with them for my monthly account payment. These 2 cards I used very rarely otherwise. 

My latest latest billing issue started in XXXX when their automatic payment system failed to pull out the monthly account fee from my bank account. I followed up with them over email ( transcript file name XXXX ) and when the online access issue was resolved on XX/XX/XXXX, I payed the balance for XXXX and XXXX along with the payment for XXXX that wasn't due until end of the month. 

To my surprise, XXXX XXXX XXXX business marked my account as delinquent for the unpaid balance for 2 months ( XXXX & XXXX ) and reported this to Experian and other credit reporting companies. I filed my dispute with Experian w.r.t these facts ( that I tried my level best to resolve the billing issue with my Solar provider company and the bill for 2 months wasn't being payed due to an issue with their backend system without my fault ). My dispute was closed within XXXX weeks without providing me any further details and an opportunity to me to provide more facts.
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}
Consumer complaint received 2020-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Official complaint was sent to Bank of America about an international credit card transaction in the amount of XXXX from XXXX XXXX XXXX  XXXX. I asked BOA to reverse the charge because the merchandise was returned back to the store after I had the product appraised by an independent third-party appraiser and learned the merchandise was not represented as described. It was 2 bracelets that were sold as diamonds but appraisal showed they were not diamonds. Upon returning to the store, the merchant accepted the merchandise but stated they could not give credit back due to a 'no return/exchange policy '. This was not disclosed at the time of sale. I advised merchant that I would dispute the transaction so they refuse to give back the merchandise and refuse to reverse the transaction. 
I entered into a dispute with Bank of America. Per Visa Conditions XXXX-the merchant cancelled the transaction when they accepted the product and refused to give it back. Per Visa Condition XXXX -the merchandise was not sold as described. Per Condition XXXX & XXXX the merchandise was identified as counterfeit by a neutral third party expert and therefore misrepresented. Visa conditions clearly states the merchant 's must keep in mind their return policy has no bearing on disputes under these conditions. Bank of America sent the dispute to the acquirer and ask the merchant for a receipt. Merchant provided the wrong receipt. BOA then ask me for the receipt. I provided correct receipt. 
BOA refused to honor the claim after obtaining my receipt stating they are honoring the merchant 's no return policy. I escalated as a complaint. BOA still refused to honor a full return -instead said they would only provide partial credit of XXXX which would be reported as a write-off. BOA sent a notice to indicate the XXXX would be a write off and must be claimed as income. With full awareness of all VISA conditions, BOA refuse to give full credit. BOA representative stated they understood the entire situation but stated, although unfortunate, I would have to accept partial responsibility. I am requesting full credit as a dispute and not a write off as the merchant canceled the transaction when they refuse to give back the merchandise.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One -Account # XXXX A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations . According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request Capital one & the CFPB 's assistance in reviewing the status of the charged-off amount associated with my account. 

IRS Publication 4681 Cat. No. 51508F Chapter 1
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax continues to report my student loan information after several attempts at getting them to do things correctly. Equifax is in violation of The Family Educational Rights and Privacy Act ( FERPA ) This is a federal law enacted in 1974 that protects the privacy of student education records. Transaction history being reported on my consumer report is a violation of this act. FERPA applies to any public or private elementary, secondary, or post-secondary school. Transaction history being reported on my consumer report is also a violation of the privacy act of 1974 Additionally there are several erroneous entries on every account listed as XXXX  XXXX XXXX, a total of 10 accounts, is showing payments as current, but the last payment received was on XXXX XXXX on accounts closed on XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This account was charged off on the following date XX/XX/2021. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX, Equifax and XXXX failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

The name of the company is Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. Their phone number is : ( XXXX ) XXXX. I have stated to a representative of theirs, numerous times, that I do not verify ANY information, whatsoever, if I receive a call in which the callerID does not show me the phone number and the name of company. This is due to the many fraudulent calls I receive in any given time. Therefore, I have no way of validating if the call is real or fraudulent. However, I am receiving calls up to 8x per day from ( XXXX ) XXXX, ( XXXX ) XXXX, Unknown, or a combination. There have been times when the phone number I look up states that it is, indeed, a spoofed number ( e.g. non-fixed XXXX XXXX or XXXX XXXX number ). Again, the issue is that if the call is from a company that I am familiar with or owe, the company ought to respect my wishes and have a call come in to me under the actual phone number of the company as well as that company 's name when it comes to what I am to see with CallerID. There is a reason I prefer phone plans with the CallerID option.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I was looking at my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX MORTGAGE SERVICES, XXXX LOAN SERVICING, XXXX XXXX, XXXX XXXX XXXX XXXX As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws XXXX XXXX Code XXXX, XXXX XXXX XXXX XXXX Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of XXXX XXXX Code XXXX XXXX ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I gave my son in Vermont a {$1000.00} check to put into my checking account. He apparently opened a Venmo account for me and put the {$1000.00} into it. Now, I cant sign in to Venmo and My husband and son have spent 2 total hours trying every way possible to get the {$1000.00} into my checking account. Their phone number robot says theyre unable to handle any problems over the phone. It recommended that I go to Help.venmo.com, but I have tried that 10 times and I cant get into it. Please help me.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

XXXX I had XXXX in usd as well as coin in a coin base account. I tried to add photo id to my profile and their system malfunctioned- or perhaps functioned purposefully - and it locked me out of the financials of my account. I have desperately trying to call them for 4 days. No answer no return call. All they allow is email and all you get back are autoreaponders! I want my money back! Please help me Go on XXXX to research this issue. Hundreds of people are reporting this exact same experience with coinbase!
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXX/mo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.