davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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)

XX/XX/XXXX I purchased four gold chains that were sold to me as solid 14kt gold for a total of {$6500.00} XX/XX/XXXX I contacted my credit card Capital One to inform them that the gold chains were not gold, that they were fake. Capital One credited my account {$6500.00} XX/XX/XXXX Capital One reversed the credit of {$6500.00} to the merchant. 
XX/XX/XXXX I submitted all my documents to Capital One. Documents included receipt from jewelry, pictures, my statement letter, and proof that the jewelry is fake. 
XX/XX/XXXX I also submitted per Capital One 's request a formal 2nd opinion letter from the Jewelry store that tested the four chains that proved that they are fake. Since this dispute was opened XX/XX/XXXX Capital One has done a horrible job at fighting my case. Every time I contacted Capital One regarding my case no one seemed like they knew what was happening. Capital One denied my dispute for a loss. There is more then enough evidence to support my case. I was scammed for {$6500.00} and Capital One did nothing to help me.
Consumer complaint received 2022-10-31
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Medical XXXX Balance : {$280.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2023-02-20
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. (MS)

The debt collection company XXXX XXXX has been settled. Before it was turned over, it was with a credit card company with which I paid medical bills. By the debt originally being medical bills, I feel it should be removed. Also, the date of removal is incorrect. It should be 2018 which would mean it should be removed.
Consumer complaint received 2021-03-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

Good day, I have called all parties several times concerning this issue with no resolution, and excuses to date. The money source my " old servicer '' did not provide me with a notice of servicing transfer not less than 15 days before the effective date of the transfer. ( 12 C.F.R. 1024.33 ). As a result of this late notice of loan transfer on XX/XX/XXXX by electronic means and XX/XX/XXXX via a written correspondence that my new servicer would be XXXX on XX/XX/XXXX my refinance payment went to TMS as I had closed.

TMS initially notes they could not find the funds, and I had to reach out to title company to find. I was able to obtain a receipt of better sending money to title company and title company sending out full payment with wire transaction # to previous servicer TMS on XXXX. TMS notes that had to due a review and finally said they found funds on XX/XX/XXXX and that full payment was sent to XXXX on XX/XX/XXXX. I reached out to XXXX on several occasion and they note they have not received funds and requested a wire #. 
I contacted TMS for over 12 times and have been unable or unwilling to provide wire # and states that it is under review. In the mean Time I have Debt collectors calling me from XXXX saying that I have not paid my mortgage when I shouldn't even have an account with them. TMS has said they would call me back several times to rectify this issue, and has not reached back out to me. Any assistance that you can provide with tis matter as somehow over {$360000.00} is missing and I have two mortgage payment on 1 property. 

Thanks, XXXX
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (LA)

I spoke to customer service rep at Equifax last month advise reported date on several close accounts are incorrect After receiving a copy of my credit report in the mail on Tuesday. I notice the problems has not been fixed. I have tried several times to reach Equifax customer service the telephone has been busy for days. 
I have not been able to reach anyone by phone I email he CEO today The following account 1. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 2. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 3. XXXX  XXXX last reported date is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 4. XXXX XXXX XXXX last reported date XX/XX/XXXX should be XX/XX/XXXX this account was closed in XX/XX/XXXX. We sold our home XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  last reported date XX/XX/XXXX should be XX/XX/XXXX this account was transferred to XXXX XXXX XXXX in XX/XX/XXXX and was closed in XX/XX/XXXX I would like the last date reported changed to the correct dates! 
I am in the process of buying a home and it looks like I've been last in the past 12 months on old accounts
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

XXXX account was open with XXXX without my authorization due to fraud. Account opened on XX/XX/2022 and the limit of the account is {$500.00}. 



And another account was open with XXXX XXXX  without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.
Consumer complaint received 2021-03-19
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. (FL)

I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I am not sure why credit card companies have started a trend or reporting incorrect information on consumers credit report but Discover Card experienced a data breach and that the information reported is incorrect but they still continue to report 1 late payment on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 1 late payment.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2021, Bank of America placed an {$880000.00} hold on my account. I spoke with a branch manager and got customer service on the phone. They could not provide a reason as to why this hold was placed on my account. I was told to call back the next day. I called the morning of XX/XX/2021 and there was no answer as to why the hold was placed on my account and there was no reason for what initiated the hold to begin with. No information. Nothing. Just told to call back later. In the meantime, they are illegally holding $ XXXX of my money. This is after having a XXXX  XXXX  put in and having told bank of america that this type of stress this close to my procedure puts me at undue risk for complications. They could care less. I will be suing them.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax disputes division updated balances on XXXX  of my accounts to reflect I owe XXXX  dollars on these XXXX  accounts, but when it comes to changing and updating my credit report to reflect I owe XXXX  dollars, Equifax still has not updated this area of my credit file. They are showing very high credit utilitzation on XXXX  accounts that have been paid approzimately on XX/XX/24. 

XXXX XXXX- {$26000.00} is still showing as owed even though it's XXXX  owed on account ending XXXX. 

XXXX XXXX {$3800.00} is showing as owed even though it's XXXX  owed on account ending XXXX. 

XXXX XXXX- {$10000.00} is showing as owed even though it's XXXX  on account ending XXXX. 

Equifax 's failure to update my credit report and only update it on their disputes section of my file is severely hurting my credit score and affecting my ability to purchase a new vehicle at a reasonable interest rate. I've disputed this with Equifax and the XXXX companies over the past XXXX weeks and all XXXX  companies claim they've sent the updated information to Equifax. I believe all three companies have sent the correct information because my XXXX file has been updated showing I don't owe this money anymore. Equifax file even shows I don't owe this money on their disputes page, but when you look at my credit report, it still shows I owe these amounts. Equifax is failing to update my credit report accurately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2021-03-19
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: BARCLAYS BANK DELAWARE (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

citi sears masterard is a great credit card but interest rate is outstanding. the balance i was paying on my cell phone XXXX on the statement it says XXXX when i look at the balance on phone i would be over the limited the interest XXXX plus being charged XXXX for over the limited fee since this covid - 19 started citi has not given any relief to consumer on their card products .at the begining of crisis.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

Unfair practice by GM Finanical. Please help! 
I had a lease with them on a XXXX XXXX  that was turned in on around XX/XX/XXXX. I also bought a new XXXX truck from the XXXX dealership. I was alerted by my mortgage company ( that I am trying to get a mortgage through ) that my credit score just dropped over 100 points due to GM Financial. I called GM Financial today XX/XX/XXXX and spent over 90 minutes getting transferred 4 times to different areas and sitting on hold over 15-20 minutes on each transfer. Only for them to tell me that they sent one ( only one letter ) letter about the additonal charges ( mileage overages, extra wear and tear ). Which I never received. How could you ruin my credit without alerting/billing me of the problem? They then said they called me numerous times on this debt. I then asked what phone # they called and they told me my old office number from my old home. Obviously, I never received a call. They proceeded to tell me it was my fault because I never updated my phone number. 
First, I turned in my lease and bought a new XXXX from the dealership and gave them all my new information. Why would it ever even cross my mind to update the information ... when I turned in the leased truck in and gave them all my new information on the new truck? 
I have no problem paying my bill, but need them to be fair and remove this from credit report. My mortgage agent said GM Financial has done this to many customers! This is not fair that they do this to good customers ... I have tried to resolve fairly! Need help with GM Financial, as this is not right that they can ruin my credit, without alerting me! 
I can pay the bill ... Any help you can give is appreciated!
Consumer complaint received 2022-01-03
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. (TX)

HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.
Consumer complaint received 2024-03-16
Product: Credit reporting 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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-03-19
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: CARRINGTON MORTGAGE SERVICES, LLC (ME)

on XX/XX/2020 XXXX XXXX at carrington wrote that he wanted to see the inquiry pulled by carrington on myself, he was provided this information and he has failerd to act per his response to delete inquiry, mr XXXX was provided credit report XXXX inquiry yet he has failed to act within the 60 days he promised .he stated he could not find inquiry i have provided it to him in black and white below was sent to mr XXXX XXXX interactive inquiry CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : XX/XX/2020