davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
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 (WI)

On XX/XX/XXXX I disputed a charge of {$5000.00} dollars ( made in two seperate XXXX dollar charges ) with Capital One for merchant XXXX XXXX who refused to issue a refund per their cancellation policy terms. On XX/XX/XXXX I discovered the credited amount exceeded my credit limit and rendered my card useless although a negative {$4000.00} balance was on the account. On XX/XX/XXXX I spoke with Capital One rep XXXX Id number XXXX who advises a credit balance adjustment was being issued by check and would be received in 15-20 business days. It ended up taking 90 days and a complaint to the Better business bureau. Capital One advised they had to allow a full XXXX business days for a response from the merchant although I was issued a letter dated XX/XX/XXXX stating the case is considered closed unless the merchant responds. Although I was there after advised once the case reaches its 90 day mark, if the merchandise did not respond the dispute would be considered closed with no option for the merchant to reissue the charge, I find that on XX/XX/XXXX the charges were rebilled to my account with notification to myself until today. This is after I filed a complaint with better business bureau, was finally issued a refund From Capital One and advised the issue closed XX/XX/XXXX and despite the fact the merchants 90 days to respond expired XX/XX/XXXX over a month prior to when these charges were rebilled to my card. This is theft and fraud.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Why do my fico credit scores differ from one another on the XXXX XXXX app, the XXXX XXXX XXXX, from XXXX, XXXX, XXXX XXXX, Experian, XXXX  and XXXX? I have been working on building my credit since XX/XX/2020. They are all installment loans that help build credit!!
Consumer complaint received 2021-07-03
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: AMERICAN EXPRESS COMPANY (NY)

The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

THIS COMPLAINT IS ABOUT EQUIFAX CREDIT REPORTING DETERMINE TO KEEP XXXX, XXXX AND XXXX, XXXX XXXX  ON MY CREDIT REPORT AFTER I HAVE ASKED FOR EQUIFAX TO PROVIDE PROOF FROM THE AMOUNT IS IN FACT INCORRECT. I HAVE REASONS TO BELIEVE XXXX, XXXX AND XXXX ARE INVOLVED IN A LAWSUIT NOW REGARDING FASIFYING DOCUMENT WITH THE COURT SYSTEM. XXXX XXXX HAS CONTINUE TO FASIFY INFORMATION TO EQUIFAX THAT THEY WERE NEVER A THIRD PARTY THAT WAS NEVER EXPLAINED IN WRITING THERE WOULD BE CONSEQUENCES IN THE EVENT THE REAIMING BILL WAS NEVER PAID. XXXX XXXX HAS CLOSED THE ACCOUNT WITH NO COLLECTION AGENCY INVOLED, SO WHY IS EQUIFAX CONTINUE TO ACCEPT FALSE INFORMATION FROM THEM?
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on transunion, XXXX. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I XXXX XXXX On XXXX XXXX Sent a Request in according to USC 15 1692 gto Enhanced Recovery Col As of today XX/XX/XXXX, Enhanced Recovery Col has not complied to the debt validation request. Enhanced Recovery has not ceased in their action of collection of a debt not owed.
Consumer complaint received 2024-03-25
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)

XXXX XXXX, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NV)

I have used 5 XXXX XXXX over the past one year. I always had an issue with spending the last dollar or two. I contacted customer support and they do not know why I can not use this. I tossed these cards. This is the 5th card and I decided to report the problem. 

I can check the balance ( XXXX cents ) online ( see attached ) but unable to use this online or at store. I tried at XXXX, XXXX XXXX, and XXXX XXXX XXXX  XXXX. At cash out, I asked the associate to put numbers manually and run this as credit. It just does not go through. 

I could toss this one, but this is not fair. This is WRONG.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the 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 Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

What I got the card. I was making payments on time and realize they were not processing right away and they would process them only after they charged me a late fee I tried to close card. Original amount was only {$800.00} now it's over {$1400.00}
Consumer complaint received 2024-03-25
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. (GA)

I am writing to express my deep frustration and disappointment and to follow up with the continued presence of inaccuracies on my credit report, specifically pertaining to a late open account and a charge-off. Despite my persistent efforts and previous attempts to dispute and rectify these errors, they remain unresolved. 

As previously communicated, the inclusion of these inaccuracies has had detrimental effects on my creditworthiness, financial opportunities, and overall peace of mind. Despite providing comprehensive documentation and evidence supporting my claims, it appears that my efforts have been met with insufficient action and attention on your end. 

I demand immediate action to rectify these inaccuracies and restore the accuracy and integrity of my credit report. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to remove the late open account and charge-off from my credit file. 

Failure to address these issues promptly and effectively will leave me with no choice but to explore alternative avenues for resolution, including legal action and regulatory intervention. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I APPLIED FOR APPLE CARD FROM GOLDMAN SACHS. I APPLIED AND WAS DENIED ON XX/XX/2021 AND FOR REASON UNABLE TO VERIFY IDENTITY. I'VE CALL THIS MORNING TO ASAK ABOUT MY APPLICATION AND WAS TOLD THAT, XXXX XXXX MAKES THE DECISION. I TOLD THE REPRESENTATIVE THAT CREDIT BUREAU DO NOT MAKE DECISIONS ON APPLICATION, THE DECISION IS MADE BY THE BANK TO APPROVE OR DISAPPROVE SUCH APPLICATION. I HAVE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I CONTINUE TO GET DENIED. I WANT MANAGEMENT TO REVIEW MY APPLICATION. MY CREDIT SCORE IS XXXX AND I HAVE NO ISSUES.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marlette Funding, LLC (CA)

cfpb case XXXX Best Egg has responded that it is filed with the wrong company. That is not true. Best Egg sold a fraudulent debt that they had no right to sell, so they are responsible for the harassment that the sale generated. They are aware of this because I spoke the the individual responsible after a previous cfbp complaint. He is acting in bad faith now.
Consumer complaint received 2021-07-04
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. (NC)

Someone has applied for things in my name. I dont know who the person is. Please delete the inquires for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-03
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. (LA)

I recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX XXXX XXXX ; Acct : XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

Over a week ago I applied online for a report from LexisNexis Consumer Center. 
I have still not received any confirmation that they received my request. 
In their website I found a phone number to submit a request via phone and to speak with a live operator : XXXX. 
i was never given an opportunity to speak with a live operator. 
So I still do not have any verification that they received my request. 
I feel that the Company needs to provide access to a live operator, as advertised.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-07-04
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: SinglePoint GI (UT)

General revenue is violating my rights under section FCRA 605 B, by reporting fraudulent balances on my credit report. This is now the second offense of them doing these actions. I attend to bring litigation in third district court if this reporting is not immediately removed within the next 4 business days. They have also failed to contact the XXXX XXXX police department and retrieve the police documents after being given the police report numbers. Instead they negligently reported to the credit bureaus. Under section FCRA 623 it their sole responsibility to gather this information which they didnt do.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP (RI)

Every time they call, I explain I can not afford it at the moment and I will call when I can. I told them 3 times to not contact me and they said they would not. Yet they keep calling me.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent out a letter to XXXX XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX XXXX and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Consumer complaint received 2021-07-03
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: DriveTime (CA)

I am a victim of ID theft. I have filed a local police report and the FTC complaint. 
The thief tried to obtain credit fraudulently from drivetime on XX/XX/2021. 
I disputed the inquiry on my credit report through the credit bureau. On XX/XX/XXXX I received a letter from drivetime stating that they denied my request. ( see attached letter ) Quote : " Our records show your credit was pulled after you visited our website, www.drivetime.com, or one of our dealerships on XXXX XXXX. Our records also show you gave us permissions to pull your credit because you were interested in obtaining credit for the purchase of a vehicle. Since you authorized the credit pull we will not be able to grant your request. '' I immediately called the company at the number on the letter. After explaining the issue and getting nowhere I asked to speak with a supervisor. The supervisor identified himself as XXXX XXXX from the customer relations team. 
He told me they will not remove the inquiry because it was legitimate and they have no proof it was not initiated by me. I was very clear that I am a victim of ID theft, I never authorized anyone to obtain credit in my name, I have filed the report with the authorities and I offered to send them a copy to verify my claim. 
XXXX XXXX still had no interest in resolving the matter.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (SC)

I was in the process of trying to settle a couple of debts that went into charge off status, once I contacted the companies I asked them for a deal of pay to delete. I was given the amount that they were willing to except and was told that once I paid the debt they would submit to the reporting credit bureaus to remove the account since they were the ones to have the debt placed. I was also told to write pay to delete on the money order or certified funds. I did all that was asked, now the companies don't even answer my calls nor do they respond to my letters
Consumer complaint received 2021-07-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In regards to XXXX XXXX XXXX ( XXXX ) XXXX POB XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d
Consumer complaint received 2021-07-03
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: World Acceptance Corporation (TN)

I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I am trying to close a checking account with Huntington Bank in XXXX, IL on XX/XX/2021. I took my money out of the account prior to then, so that it is easier to close. The bank charges me {$25.00} per month if my account is below {$10000.00}, so I need to close the account before they assess me the fee. They are not allowing to close my account online, by phone, or by video call. I called both the national support number and the closest bank branch.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (NJ)

The All Debt Solutions , Inc. ( debt collecting Agency in XXXX ) stated is XXXX XXXX of NJ as their client. I have had no dealings with XXXX XXXXXXXX of NJ. 
This is misrepresentation and questionable practice to collect money. 
I have responded to them by certified mail stating that I have no outstanding debt with their client. 
The collecting agency letter had no date, no signatures, and no name of the sender. 
I request the CFPB to investigate the matter and put a stop to such questionable practices of this company and their client.
Consumer complaint received 2021-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Subject : Verification of Employer for Public Service Loan Forgiveness ref Acct # XXXX XXXX XXXX I have continuously called and spoke with their loan thats been administered by Fed Loan Serving. At this point, I have been faithfully serving the state of Texas for nearly 20 years and taking care of my student loans and Public Service Loan Forgiveness ( PSLF ) applications. I have submitted several student loan forgiveness applications only to be told that its under review and its been under review for more than six months. Also, when analyzing my profile there are some payments as well as some of my state service that is not listed correctly. I submitted a request to get the account analyzed again and was told that someone would call me back. However, no one is phoning me back I have called into the customer service department a tremendous number of times! I have emailed and I have escalated the email correspondence and I am getting the runaround. I having the student loans on my credit is hindering my ability to apply for loans and I feel like I have satisfy the terms and conditions just as many others have mentioned and I am not being treated fairly and just by FedLoan Servicing they are basically ignoring my request.
Consumer complaint received 2024-02-29
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: WELLS FARGO & COMPANY (PA)

I called to create a dispute with the Wells Fargo company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their XXXX period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of Wells Fargo, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.