davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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 (WA)

On XX/XX/XXXX I made a credit card payment to Bank of America for the balance of my statement. On XX/XX/XXXX Bank of America charged a duplicate payment against my account. The total of the payments was almost XXXX}. Bringing it over the XXXX dollar balance of the account I call immediately and requested a refund of the duplicate payment I was told it would take up to 7 days. 

I received no refund. I called back after 10 days and was informed it would be escalated and that I would receive my funds within 48 hours. I called back 4 days later and had received nothing. I was told they could reescalate but it would take up to 7 days. At this point Bank of America has held an interest free loan from me for 18 days and shows no inclination to return my payment. I immediately closed my account but have no resolution.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I was on vacation in XXXX XXXX, then some people from the company called XXXX XXXX or XXXX XXXX XXXX offered me a credit card with an interest of 0.0 % of the total approved. They explained to me that XXXX XXXX XXXX and Barclays credit card company work together to get customers who want to be members of the travel club. For this reason Barclays offered this card with 0.0 % interest of the total approved. 

XX/XX/2019, {$6800.00} I was speaking with the seller about this scam and informed the credit card Barclays about it.
Consumer complaint received 2021-06-01
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. (IL)

1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Multiple missed payments were reported for my Navient account across all 16 of my student loans while I was in forbearance. Ive asked Navient to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Consumer complaint received 2020-04-09
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)

There is a fraudulent account on my credit report. I have tried to dispute it with Experian but there is not way to do it electronically and the phone number provided does not connect to anyone. I have no knowledge nor business agreement with XXXX XXXX XXXX nor their client XXXX XXXX. 

My identity has been stolen in the past and my information compromised during the Experian breach. I am XXXX  XXXX so I can not drive a car so there is no need for my to apply for car loans nor insurance!
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a credit of {$1400.00} due to a trip that was cancelled my card showed - {$1400.00} credit on my card. I went to bank to Withdraw the said amount. 
The following day My card showed a cash advance fee amount of {$43.00} I contact capitol one bank card @ XXXX. I spoke to customer service explained why was I charged for a credit as a advance fee to which he said he would put me on hold & ask if it could be waved.he came back and after a lot of verbiage he stated that it could not be waive. Reason did not make sense to me Therefore I am contacting you to see what my options are I have paid the fee as I do not want my credit to be damaged and hope that you can resolve this matter.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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. (IL)

I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XX/XX/2020, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (LA)

Contacted Discover to pay complete balance on or about XX/XX/2020. Was given a figure of {$1100.00} which I paid through my bank online in 5 minutes. Thought it was done and account would be closed. However, a couple weeks later I get a statement with a positive balance of {$6.00}. Called them and said send me a check and close account. That was 3 months ago. Not only did they not send me a check like they said, I keep getting statements with the + {$6.00} balance. They are 3 months overdue on payment. I would like to charge them {$28.00} a month late fee like they had no problem doing to me. I have all the documentation. What they are doing is just wrong and think everyone is stupid. They kinda acted offended when I said I want to pay of balance and close account. I think they should be punished somewhat..it 's not the {$6.00}, it's the fact they didn't do what they said..could have been so easy. Now, I'm kinda XXXX XXXX. I think punitive damages should be considered. Look forward to hearing from you. I'm no shrinking violet..
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently gone through my credit report and noticed inaccuracies and discrepancies in the listed accounts. 

XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
7. The status is incorrect for the following account Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


TransUnion : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (FL)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-06-01
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. (CT)

After initiating a complaint of inaccurate information your reporting on my credit report on XXXX XXXX XXXX then receiving a response of verified from TransUnion. I then sent you another letter requesting your Method of Verification which you received on XXXX and you signed for and I received NO response back.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

1. On or about XX/XX/2019 ; I was lost my paycheck that had an issue date of XX/XX/2019. The check was made out to me and had NOT been endorsed. 
2. My check was deposited or cashed by another person without my knowledge or permission. 
3. I have talked to the local branch of JP Morgan Chase and wrote a letter to the local regional head in XXXX to seek restitution for the check that was illegally cashed/deposited. The branch told me they do anything since this would break privacy regulations since the bank did not know how the check was cashed or deposited in branch or on-line and that I would have to follow-up with the check processor XXXX, or my employer XXXX 's. 
4. I talked to my employer about this twice and my employer has sent notices to XXXX, but there has been no reply. 
5. I reported this to the XXXX County Sheriff, but there has been no update since the report was made.
Consumer complaint received 2022-02-24
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. (AL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan was sold from XXXX XXXX to XXXX due to a bankruptcy sale. I received my 1098 from XXXX and it is not correct. It does not include payments made to XXXX or property tax payments. I spoke with XXXX and they asked me to call XXXX. I called XXXX at XXXX per their instruction and determined XXXX is closed and not taking calls ( you can hear this yourself when you call ). XXXX does not have a way to provide me this information as the loan servicer and only can refer me to XXXX. I need this issue to be resolved and need to have accurate tax information.
Consumer complaint received 2022-02-24
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)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CO)

I have attempted several times to set up auto pay for this Amazon / Synchrony Bank store credit card. I was not successful apparently and the XX/XX/2020 payment was not automatically taken out of my bank account. I received no notice from Amazon/ Synchrony Bank and only became aware of the missed payment while checking my credit score on XXXX XXXX. I have made multiple disputes to the creditor and credit bureaus. Amazon/ Synchrony Bank refuses to remove the negative remark from my credit report despite having on time payments prior. Since the dispute I have paid the account in full. I want this mark removed as the payment error was through no fault of my own but rather an error on their auto pay feature. Thank you.
Consumer complaint received 2022-02-24
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. (PA)

In XXXX through XX/XX/XXXX XXXX approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX  approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my XXXX  Account was XXXX Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX  in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their XXXX XXXX were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting that XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. 

My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has listed in my Credit Report/Credit File. I am in a Permanent Modification with XXXX and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (NV)

Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX  XX/XX/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  card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!
Consumer complaint received 2020-04-09
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)

Early XX/XX/2020, I received an alert from XXXX  about an account that had been added to my credit report. When I signed in to view my report, there was an account that I did not recognize ( XXXX  XXXX XXXX  ), but there was no contact information for them. So I log into XXXX XXXX and I notice that it was a collection account owned by XXXX XXXX XXXX. So I reach out to XXXX XXXX XXXX and explain that I did not own that account, they had the wrong person. The account was then removed from my credit report as a result of the investigation. Two days later, I received a notification that an account was removed from my credit report from both XXXX  and XXXX, but nothing from Equifax. So I give it some time thinking they needed time to official remove the account. After a month passed and the item was still on my Equifax  credit report, I reach out to Equifax and they have no record of a request from XXXX XXXX XXXX to remove the item from my credit report. So I conference call XXXX XXXX XXXX ( with Equifax  customer service on the line ) and was transferred to XXXX XXXX, the Director of Operations for XXXX XXXX XXXX. XXXX XXXX informed Equifax that an e-OSCAR had been submitted to all 3 credit bureaus on XX/XX/2020 to request the account be removed from my credit file. The Equifax customer service representative continued to say they have not received any such request. XXXX XXXX proceeds to give verbal authorization to remove the account from my credit file and Equifax still refused to do so. Equifax is now making me go through another 30 day process to get an account removed that has already been requested for removal from the reporting company.
Consumer complaint received 2022-02-23
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: JPMORGAN CHASE & CO. (MA)

Unauthorized fraud charge on my credit card in the amount of {$3000.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply in this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.