davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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 (FL)

This dispute is about the re-charge on XX/XX/2022 Merchant name is XXXXXXXX XXXX XXXXXXXX ) for the amount {$7800.00} - reason is unknown. Worked with XXXXXXXX Discover but all can not resolved the issue Original XXXX  order XXXX was on XX/XX/2022. Amount charged {$7800.00} XXXX  failed to deliver to me and package was returned back to XXXX  on XXXX Therefore a refund confirmation initiated. Refund of {$7800.00} was seen on my credit card on XX/XX/2022 XXXX  re-applied {$7800.00} on XX/XX/2022 stating the item was delivered.. I confirmed nothing was received on XX/XX/2022 hence the refund was initiated by XXXX XXXX Discover Card and asked for helped. After 2 months of escalating and multiple inquiries the result came back negative. Discover stated not enough information to help with the dispute I provided all the information that I have at this point. I even provided a screenshot from XXXX on XX/XX/2022 stating their fault to not deliver and that's why the package was returned back to XXXX and hence the refund but Discover did not take this seriously. 

Asking CFPB to help because this is almost {$8000.00} that I should not be responsible for from the beginning.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt.
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently maintained on-time payments for this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

Hello : Today, XX/XX/XXXX XXXX informed me that my MOHELA account was reported on XXXX and in XX/XX/XXXX. Somehow this information plummeted my XXXX XXXX XXXX points! XXXX seems to think this is a newly opened account or something else erroneous. This account is currently being reviewed for loan forgiveness and PSLF. Separately, yesterday XXXX I filed a FASFA just to inform dept. of ed that I **may** consider requesting another loan for a XXXX program. Yet, I never applied for a loan. I don't know if this is what prompted some sort of alert, but the FASFA should not be read as an actual loan application. There should have never been a credit inquiry on this action at all. I give this information because the timing is likley not coincidental. I don't know what exactly has prompted my credit score to be negatively impacted, but I am asking Mohela to promptly submit a correction to all 3 bureaus. I have worked *extremely* hard to fix my credit in the past years as I am recovering from long-term illness, layoffs, and divorce. This is incorrect information and it is impacting my livelihood. Please correct this immediately. My credit score was XXXX with XXXX as recently as 2 days ago. I will be filing similar complaints with the credit bureaus, the dept. of education, the attorney general and any other entities. In one day my score was dropped XXXX points and I had no warning or any disclosure that this would happen. I have already submitted a dispute to XXXX on XX/XX/XXXX. At this time XXXX and XXXX do NOT show this negative action, but I presume they will eventually. Please alert them to not consider this action.
Consumer complaint received 2022-11-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accounts.XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my zell removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXlThey want proof how am I suppose to provide proof when info was XXXX make money by not returning funds. XXXX is not secure as the world is finding out. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local Media.As of today WFB is still denying me my funds.
Consumer complaint received 2022-11-19
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 RECENTLY SENT LEGAL DOCUMENTATION TO CFPB AS WELL TO EXPERIAN REPORT # XXXX INVESTIGATION ID 01 PROVING THAT XXXX XXXX  DOES NOT MEET THE FAIR CREDIT REPORTING ACT AND REMOVE SUCH IMMEDIATELY NETHER  YOU CFPB OR EXPERIAN IS IS ENFORCING FEDERAL GUIDELINES AS WELL SENT XXXX XXXX XXXX ORDER NOT MY ACCOUNT OR RESPONSIBILITY ANYMORE AND WAS PUT ON NOTICE PRIOR TO NEGATIVE REPORTING COURT ORDER IS A COURT ORDER SIGNED BY JUDGE THIS IS MY LAST ATTEMPT TO GET REMOVED OR ALL WILL BE HIT WITH A LAW SUIT FOR BLUNT DISREGARD OF MY DEMAND PLEASE NOTE EXPERIAN HAS LOCKED ME OUT OF THE REINVESTIGATION AFTER BOTHE THEM AND CFPB RECIEVED DOCUMENTATION SEE ATTACHED STATES WILL NOT PROCESS A DUPLICATE DISPUTE SHOWS THERE BLUNT DISREGUARD OF COURT DOCUMENTATION
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since I was involved in an attempted murder injury I have been trying to get my Capital One bill payment reduced or forgiven. I had made several attempts to remove my linked bank account but the system would not allow me to make such changes and I could not get any assistance through customer service before the account was closed. 

On Friday, XX/XX/year>, Capital One processed an unauthorized payment through my bank account for {$200.00}. Removing these funds forced me to cancel medical treatments causing financial, emotional, and physical harm. 

On Wednesday, XX/XX/year>, I called Capital One again to recover the unauthorized payment of {$200.00} informing them of the lack of medical care, and emotional as well as physical harm it caused, to no avail. Once again they refused to provide any compassion or follow Federal Trade and XXXX codes or ethics. My conversation with Capital One was recorded and is available per request. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (TX)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-11-11
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. (TX)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WI)

On XX/XX/XXXX I ordered a e-scooter from XXXX for {$2600.00} this was to be shipped on a cargo ship that took two months to arrive two weeks after I ordered this I received an email from XXXX indicating that my delivery is completed and signed for please leave a review for this product this product hasn't even been shipped yet so I filed a dispute for that amount The case was held open for over 60 days and the item did not arrive to me so you closed the case in my favor thank you I appreciate that a week later the product arrived at my home in a large crate heavy beautiful undamaged I would like the merchant to get paid {$2600.00} I called XXXX card member services the following day they said they would release payment in 3 to 5 days it's been about a month I called seven times I messaged on the app to no response everybody just leaves notes on a closed case file and nobody can process this payment to XXXX as I requested seven times I just hung up the phone with the supervisor nobody can provide me with a processor 's phone number the best they can do is leave a message for the processor to call me back in several days and I am unable to speak on the phone when I am working this is a huge embarrassment and I'm ready to change credit cards because of this situation please pay the merchant as I requested over and over and over and over before the poor XXXX salesperson loses his job because you can not pay them as I requested many many many times.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX I was doubled charged for statement balance. The ysaid they would refund by direct deposit ( the same way it was charged ). XX/XX/XXXX i check bank but no refund. I called and they said it was mailed by mistake I told them I do not want mail to stop payment this. They said XX/XX/XXXX i should see money. XX/XX/XXXX still no money in my bank i called and they said XX/XX/XXXX. XX/XX/XXXX no money I called now they are saying XX/XX/XXXX for refund process. Can I please get some help reporting Bank of America. I shouldnt have to wait a month to recieve my refund.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was sent Tax information on an amount they never cut me a check for. I called the compant and they never had history of sending the check but are claiming a tax on an amount they did not ever send me and said it was to late to appeal this.
Consumer complaint received 2022-11-11
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. (OH)

Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.
Consumer complaint received 2022-11-11
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. (NY)

In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX XXXX  XXXX, experian, XXXX has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this goes for all 3 agencies this information needs to be blocked
Consumer complaint received 2022-11-11
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 XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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. (OH)

Please remove inquires and XXXX XXXX XXXX I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on XXXX ONLY and XXXX XXXX  Account # XXXX {$110.00} Reported on Experian ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my XXXX credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.
Consumer complaint received 2022-11-11
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. (ME)

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my security clearance and job over their false reporting.
Consumer complaint received 2022-11-11
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. (ME)

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.
Consumer complaint received 2018-01-18
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. (OH)

Two hard inquiries have shown up on my Equifax report from XXXX XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ). Attempts to contact Equifax have been futile. 
A rep from XXXX XXXX said they would resolve the issue, but it has escalated.
Consumer complaint received 2022-11-11
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. (SC)

I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.