davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Store credit 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 (MA)

ON XX/XX/XXXX I HAD MADE AN ONLINE PURCHASE TO SAK 'S OFF FIFTH AVENUE. 
I WAS CHARGED TO MY SAK 'S CREDIT CARD TWICE, ONCE ON XX/XX/XXXX, THEN AGAIN ON XXXX XXXX. I HAVE TRIED NUMEROUS TIMES, & SPENT OVER 15 HRS. OF MY TIME TRYING TO HAVE THE ISSUE RESOLVED TO NO AVAIL. EVERY TIME I CALL CUSTOMER SERVICE I HAVE OVER AN HOUR WAIT TO GET TO SPEAK WITH A REPRESENTATIVE, I HAVE BEEN DISCONNECTED NUMEROUS TIMES. 
CUSTOMER SERVICE HAS TOLD ME THE ISSUE HAS BEEN RESOLVED OR THE ISSUE WILL BE RESOLVED IN 3-5 BUSINESS DAYS. THE ISSUE HAS NEVER BEEN RESOLVED. 
EVERY TIME I HAD ASKED TO SPEAK WITH A SUPERVISOR ONE WAS NEVER AVAILABLE, EXCEPT FOR THIS LAST TIME. 
THE SUPERVISOR IS XXXX # XXXX WHOM I FINALLY GOT TO SPEAK TO ON XX/XX/XXXX @ XXXX ; XXXX. 

XXXX PROVIDED HIS PERSONAL EMAIL ADDRESS ( XXXXXXXX XXXX XXXXXXXX ),  AND ASSURED ME THE ISSUE WOULD BE REOLVED WITHIN 72 HRS., AND HE WOULD BE SENDING ME A {$10.00} GIFT CARD FOR MY TROUBLES WHICH I NEVER RECEIVED. I HAVE ALSO EMAILED DIRECTOR OF CUSTOMER SERVICE, & THE PRESIDENT OF SAKS TRYING TO GET THIS MATTER CORRECTED.
Consumer complaint received 2020-08-16
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested from CAPITAL ONE a statement or the letter of approval from the year XX/XX/XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to XXXX XXXX IN XX/XX/XXXX. 


I NEED from Capital One WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN CAPITAL ONE I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2020-08-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1400.00}, {$0.00}, {$1800.00}, {$1300.00}, {$2700.00}, {$2600.00}, {$0.00}, {$22000.00}, {$0.00}, {$19000.00}, {$790.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$790.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (FL)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I did an online balance transfer for {$3900.00} with a zero percent promotional interest rate which posted to my account on XX/XX/XXXX. I received an email confirmation that the balance transfer was initiated, but it had no details about the transaction. Nowhere in my online account with the company and nowhere on my statements was there any information regarding the terms of the balance transfer, so I lost track of how long the zero percent interest rate was valid for. I believed the term was 18 months, which matched the paper offers I had been getting in the mail. On my XX/XX/XXXX statement, I was charged {$67.00} interest on a balance of {$4800.00}. 

I called the company and spoke with a customer service person, who was unable to assist and passed me on to a supervisor. He researched their system and advised me that at the time of XX/XX/XXXX, the promotional interest rate offers were only good for a 12 month period. This should have triggered interest to start accruing on my XX/XX/XXXX statement. He could not offer an explanation of why there was a 2-month delay for the interest to begin.
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc (MS)

Sometime in 2016, I was involved in a vehicular accident. After about two days later, my XXXX  had a XXXX XXXX XXXX and my XXXX XXXX XXXX, my wife cautioned that I should get an XXXX  on my XXXX XXXX and XXXX. During this time, I was still going to work as usual. I had to research where would be a good medical institution to get XXXX, since most places would be closed when I get off from work. 

I looked up the cost for XXXX for XXXX XXXX XXXX at the XXXX XXXX hospital website : ( XXXX  - {$250.00} ) & XXXX ( {$350.00} ). After work I went to XXXX and explained to the Doctor on duty that I only have my car insurance and would like to know the cost before accepting any XXXX. She said that everything should be {$1.00}, XXXX and no more. I then agreed to sign the medical forms. I was given two XXXX, one to my XXXX and another to one of my XXXX. And was sent away after the Doctor said everything looks good. My car insurance at the time - XXXX XXXX, paid XXXX {$5000.00} which was the maximum medical payout on the car insurance. To my surprise, they sent me a bill for some XXXX XXXX XXXX  more to be paid. I wrote them a letter concerning all those made up charges on my bill. Now they have on my Credit Report that I owed some {$340.00}. I am disputing this as fraud since the bill had been paid by my car insurance.
Consumer complaint received 2022-11-02
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)

On XX/XX/2022 I sent TransUnion a certified letter requesting that items that are incorrectly reporting on my report be removed. I personally wrote the letter myself, dated, included my name, address, d.o.b, ss # and the accounts in question along with a clear copy of my ID. 2 weeks later, I receive a letter in the mail alleging that someone else sent them a request on my behalf and that is the reason why no changes were made because they do not believe it was me. Wow, I definitely was not expecting that as a response and really do not know where to go from here. There are 2 collection accounts on my TransUnion where I have personally contacted the original creditor and was told that 7 years has passed and the debt was no longer collectible. I was not able to resolve the issue with a collection agency that purchased the debt so contacted TransUnion so they could help me get it removed. The following are the incorrect reporting debts : XXXX XXXX- {$710.00} XXXX XXXX XXXX- {$1900.00}
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (SC)

The alleged debt is being reported by XXXX XXXX XXXX  XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im in fact owed money. I stated this to the company as well. Iam requesting a full description of the procedure of reinvestigation once completed. I demand that the negative mark be removed from my credit report immediately.
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IN)

XXXX froze my account then closed and kept {$600.00}. XXXX froze my account then closed it and kept {$450.00}. XXXX has closed 3 separate accounts totalling over {$900.00}, and kept the money. Navy federal currently has closed my checking account and kept {$300.00} plus dollars. XXXX XXXX XXXX froze then closed my accounts with over {$700.00}. XXXX XXXX kept {$200.00} after freezing and closing. XXXX has frozen thousands and kept every last dime.
Consumer complaint received 2020-08-16
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. (NY)

I received a letter in the mail confirming the above account should not be on my credit reports, I am writing this to expedite the removal of the account due to the enormous amount of financial stress and burden this has caused. I have attached such evidence in the attachments. Please execute this in a timely fashion. Failure to comply is a violation of the FCRA
Consumer complaint received 2020-08-16
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. (FL)

XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times no w. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. Thank you
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivable Management disclosed my information to a third party on XX/XX/2020. They left a message on the third party phone that they were a debt collector trying to reach me. When the third party called them they released my name, the amount of the debt, what the debt was from, and the interest rate. The third party told them that they can not release this information and the manager said send me proof, are you going to pay this today or not.
Consumer complaint received 2020-08-16
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. (DE)

I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and Experian advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This complaint relates to Bank of America. Background : The State of Michigan sent a letter about pending unemployment benefits. I've never filed for unemployment, and am the victim of identity theft of my name/SSN. I reported this at State of Michigan unemployment site. Subsequently, I've received a Bank of America Michigan Unemployment account debit card in my name ( never requested, fraudulent ) for unemployment fund access, with activation instructions. I've attempted to get BOA to close this out immediately as the account is fraudulent. However, Bank of America call number provides no path for this. Their online support options are only available for activated cards/accounts. Their hotline simply points users to State of Michigan site, which is non-responsive to requests. I am resourceful at navigating customer support systems but this one seems to provide no path for this type of fraud. I believe that BOA has the legal responsibility to completely close down fraudulent accounts, but they seem to block any venue for reporting that fraud ( perhaps due to the high rates of unemployment fraud, and the service overhead this would cost them in administering their cards ). Any help is appreciated, thanks.
Consumer complaint received 2020-08-16
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. (MI)

On my transunion credit report file number XXXX, Tradeline " XXXX XXXX XXXX '' it states under pay status " Account 30 days Past Due '' .I have paid this account off in 2017.It should say under Pay status '' Account paid off and closed '' not 30 days past due.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (TX)

So Im trying to get a loan my credit was atleast in the 600s while I was XXXX and now its dropped tremendously and I dont know how I havent done much but I tried to apply for a loan through navy fed on XXXX and one time for XXXX I guess it affects your credit but my credit is constantly dropping and I have no clue why I havent been late on payments or nothing and need to find out and maybe have some things removed I guess
Consumer complaint received 2020-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (SC)

Du3 to COVID in XXXX I make a payment on my car Chrysler to avoid repo or charge off..agent told me that they will apply extension but I need to make 1 full payment and I did when I receive my unemployment check but either way Santander consumer usa charge off my account and they sold my account to this other company and they called with a bad behavior asking for an amount of money that at thia time don't have and they not able to assist customers due to COVID..they keep threatening with Repo and ths keeps me very stress every day aa need veg to attend the Dr but they don't want to help with options..very stressful in the middle of this pandemic they hurt my credit and they don't want to help.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX, I called Bank of America to attempt to settle a debt that was negatively reporting to my credit bureau. I was transferred to XXXX XXXX XXXX XXXX XXXX, and I was informed that Bank of America still owns the debt, but they are servicing the debt. Bank of America still owned the account, and XXXX was an intermediate between myself and Bank of America. The young lady I spoke with gave me an offer of {$710.00} with the promise that the entire Bank of America entry would be removed from my credit report after 30 days. The term that the lady used was " pay for delete ''. I thought that this was a good offer, and I verbally agreed to pay. She said to call back in 30 days for the letter showing that things were settled and closed. I called back and received the letter showing that the debt was completed and I did not owe any more money to Bank of America. After obtaining the letter, I waited a few days to see the Bank of America entry completely deleted from my credit report, however to my surprise the account only showed a XXXX   balance, and actually put a negative mark on my report for the month of XXXX. At best, I was misled, and at worst I was lied to by the representative. I only ask Bank of America to do what I was promised, and delete the entire entry off of all 3 of my credit reports
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX  account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Consumer complaint received 2020-08-16
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. (TN)

Since XX/XX/2016, this account of {$1200.00} has been on my XXXX  and Equifax credit reports from XXXX XXXX XXXX XXXXXXXX XXXX. I have been disputing and asking validation for several years to both the creditor and both agencies. So finally this past XX/XX/XXXX XXXX deleted the collection account based on my disputing this incorrect negative information plus Hippaa laws but Equifax didn't remove claiming it been verified.
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called transunion and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CITIBANK, N.A. (NY)

I have a Macy 's credit card that has been charged without my concern since XXXX of XXXX until XX/XX/XXXX, when I found out from my account statement that a credit protection agency has been charging my Macy 's credit card for almost 13 years. The amount charged on my were mostly between {$44.00}, {$48.00} or {$43.00} for 13 years. On XX/XX/XXXX when I discovered the changes that has been imposed on my Macy 's credit card account, I called Macy 's to inquired why these charges were on my billing statements which I had never taken a notice for 13 years. Macy 's customer service Representative referred me to XXXX XXXX XXXX   to resolve the problem. I canceled and requested for a full refund of the amounts taken away for 13 years. Since XX/XX/XXXX I have not getting my refund while it is approaching 90-day.