davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion LLC. Is violating my rights and federal law by reporting inquiries on my credit profile when I was a victim of identity theft. I have submitted countless letters with copies of my identification and social and identity theft report. But TransUnion still decide they can report what ever they want in my personal credit profile even when its fraudulent. After going through a brief conversation with there fraud department. He told me on a recorded line that I need more proof for them to remove the fraudlet inquiries. Im filing a complaint with the states attorney as well. TransUnion already violated my rights when I had to have the states attorney office step in to have a fraudulent acc remove from my credit profile. Because TransUnion kept sending it back as verified. Fraud
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Charge me several overdraft fees on my account the Charge me {$35.00} Overdraft Fee 4 Time and the bank is Refusing to give me a credit for those fees please help me with this I did not do anything wrong to get charge those fees on my account
Consumer complaint received 2022-12-26
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. (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 items : 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-11
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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 have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020, I purchased an HP desktop computer on walmart.com using my Capital One credit card ending in XXXX for an amount of {$860.00}. The item was NOT delivered, and I did NOT receive it. So I first tried to resolve the issue unsuccessfully through walmart.com. Then I filed a dispute through Capital One and received a temporary credit. On XX/XX/2020, however, Capital One put the charges back on my account and they are now asking me to pay for a product I DID NOT receive. This is wrong, and I need your help, PLEASE!
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

I was a customer of XXXX XXXX XXXX XXXX XXXX program, that automatically rolled over to Barclays XXXX XXXX XXXX XXXX in late XX/XX/2022. 

I received email notifications of this transfer, however I DID NOT RECEIVE MY NEW CARD, CARD MEMBER AGREEMENT, NOR ACCOUNT INFORMATION by the close of the new billing cycle on XX/XX/2022. I believe I was still able to access my account balance from Synchrony, and when I called Barclays, the tele-banker could inform me of my balance, however she could not accept payment via telephone, nor could I establish an account online without the full account number. As a result, no payment was made! 

I was assured REPEATEDLY that I would not be charged given I had not received my account information, and IN-FACT, my card was not supposed to necessarily have been received yet (! ), it was showing that the mailing window of 7-10 days had not yet been reached. 

When I was finally able to access my account, by late XXXX, there were, of course - LATE FEES AND INTEREST CHARGES. I contacted the bank, as there also appeared to be charges from unrecognizable vendors. 

By the time of my next statement ( XXXX ), no actions had been taken to resolve the original LATE FEES, nor interest charges, nor had there been any communications regarding the reversal, then re-charging of the questioned fraud I had reported. 

I wrote to the bank via their online messaging center, the issues were still not resolved, and I was told that because I had not made the payment by the due date ( no matter what had happened ) I would have to pay interest fees and late charges. 

By XXXX statement, I was fed up - I closed the account, reconciled the fraudulent charges myself, determined the balance less the late fees and interest, paid-in-full and am still waiting for the bank to reverse their charges due to THEIR ERRORS and FRAUD. 

Currently, my account is closed, all charges are paid - and now I am being charged interest only on ALL of the fees and interest DUE TO THEIR ERROR and inability to properly address the issues. 

PLEASE HELP
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have been disputing this issue with Equifax since XXXX. I have had a mortgage on my home since XXXX. XXXX  ( XXXX XXXX XXXX ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, Equifax deleted XXXX off of my credit report. XXXX was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with XXXX  and they assured me that they are reporting to Equifax every month. XXXX  and XXXX  has it right, but for some reason Equifax can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent Equifax a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need Equifax to fix this one first. I am attaching my XX/XX/XXXX statement from XXXX as proof that I have a mortgage.
Consumer complaint received 2024-02-23
Product: Credit reporting 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 inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights. 

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT. 

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXXXXXX on XXXX XXXX, the lease was done through chase bank. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, Experian and XXXX. So my first step was to log into XXXX   's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with Experian nor XXXX. Upon completing the XXXX segment the software skipped right over Experian and went directly to XXXX. After the XXXX credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the XXXX credit report I was kicked out of the system with no apparent way back into XXXX
Consumer complaint received 2020-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  XXXX has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?
Consumer complaint received 2020-06-11
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: GOLDMAN SACHS BANK USA (NY)

I placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely. 

In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.
Consumer complaint received 2020-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

You did not have options for the help I actually need. My loan was through XXXX XXXX XXXX of XXXX, Pa. a for profit school that is now shut down because it was bought out. I have loans that are paid off though seizing my yearly tax refunds. Due to COVID 19 and the Cares Act, I was supposed to get my refund of {$10000.00}. They couldnt take it for the offset. I filed XX/XX/XXXX which is within the time for the Cares Act. Its been 6 weeks. The IRS site said my refund was taken to pay off that debt but it cant be taken due to the Cares Act! Im trying to get ahold of someone and I cant. I am a single mother of XXXX and need that money.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX  needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me