davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$900.00}
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently submitted a request for an investigation of the disputed account, Since Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance : {$6800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a notice in XX/XX/2019 that my account would be closed due to inactivity. I requested a new card at the end of XX/XX/XXXX, but never received it. My account was subsequently closed in XX/XX/XXXX. I have never had a late payment on the card, my balance was XXXX, and I have had the account for over 15 years. When I realized the account had been closed, I immediately contact capital one, within days, ( even thought I wasn't notified of the official closure ). They said they would review my request to reopen and then mail me a letter in 7-10 business days with the decision. I never received the letter. I called on XX/XX/XXXX and was informed that they made the decision not to reopen.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

These inquiries are fraudulent. I attempted to contact the companies and no response. I never authorized these. These are negatively impacting me and need to be removed asap before I take legal action. 
XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

Dear Barclays XXXX, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as XXXX  bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interest on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I believe it is unfair and has been a distress for me see my balance accruing interests. I have XXXX very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.
Consumer complaint received 2021-09-27
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. (NV)

I have contacted the 3 bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this ccs collection agency regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Begininning in XX/XX/year>, XXXX XXXXXXXX XXXX XXXX began reporting me as 30 days late, ( 60 days late in XXXX, 90 days late in XXXX, And Charged off every month since ) I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my 2nd attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, Transunion, XXXX ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXXXXXX XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX - XXXXXXXX XXXX  ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX veteran and pay all my bill on time.
Consumer complaint received 2019-12-21
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. (NC)

I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report.

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MA)

On XX/XX/year>, I opened XXXX accounts, the Smart Advantage Account and the Relationship Plus Money Market, with BMO through their website ( Accounts and account number shown as Attachment 3 and 4 ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the BMO website ( Transaction in XXXX shown as Attachment 5 ). However, on XX/XX/year>, I received notifications from BMO stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from BMO shown as Attachment 6 ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the Relationship Plus Money Market account did not appear. Despite numerous attempts to resolve this issue by contacting BMO, I have not received a satisfactory resolution. After submitting a complaint in CFPB to BMO, I finally received their response on XX/XX/year>. BMO informed me that their vendor, XXXX, holds the funds, and they advised that XXXXXXXX XXXX ACH department should request a debit return ( Response from BMO shown as Attachment 1 ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/year>, I received a response from XXXX today stating that they reached out to XXXX. However, they conveyed they are unable to retrieve the funds from XXXX due to XXXX requiring information from BMO Bank ; as BMO Bank had initiated the original ACH withdrawal and the return ( Response from XXXX shown as Attachment 2 ). Its essential to note that BMO communicated with XXXX on XX/XX/year>, instructing me to request XXXX to reach out to XXXX. However, XXXX has now redirected me to request BMO to reach out to XXXX. This situation falls into an endless loop, leaving me in a hopeless situation where XXXX continues to hold my funds without resolution. 

The situation has become increasingly convoluted, with conflicting responses from BMO and XXXX. I request BMO to provide detailed processes undertaken in their communication with XXXX. This includes BMOs inquiries and XXXX 's detailed responses and instructions in all communications. Meanwhile, I have submitted complaints against both XXXX and XXXX today, and simultaneously, I urgently request BMOs assistance in working collaboratively with XXXX and XXXX to resolve this matter promptly and retrieve my funds. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over XXXX months.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

In XXXX, XXXX, I received an approval letter that stated my mortgage refinancing plan was approved.The next month Wells Fargo foreclosed on my house. After years of battling with them in the county courts, they completed the foreclosure in XXXX and I was forced to move.
Consumer complaint received 2024-10-11
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. (FL)

When I checked my credit report this morning, I was stunned to see wrong accounts listed, and I have no idea how they got there. I review my credit report frequently, and this time, the discrepancies were completely unexpected. I even tried refreshing the page in hopes it was a glitch, but the errors remained. Im asking for a thorough review of the documents I sent so I can stop worrying about this for good.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
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. (PA)

I was shocked this morning when I saw inaccurate accounts appear on my credit report out of nowhere. I have no idea how this even happened. I check my credit report regularly, but today there were discrepancies that I never expected. I even refreshed my browser hoping it was just a glitch, but it wasnt. The inaccurate accounts stayed there, and nothing changed. This situation is so unsettling, and I really need the documents Ive sent to be reviewed thoroughly so I can finally stop worrying about this happening again.
Consumer complaint received 2019-12-16
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 (NJ)

this is my second complaint there on this issue the person who responded before does not respond to my calls so after wasting my time again earlier today i write again. I disputed XXXX dollar charge from XXXX XXXX weeks ago i did so the other XXXX because as a repeated multiple times i developed an XXXX XXXX shortly after my visit to the salon. which came from water being left in my ear. i called and called and i get CS who barely speak English who waste my time the person from the bank who answered i left messages for no response i want the enTIRE XXXX dollars refunded i have explained why in great detail multiple times. due to the loss of my well being and time i am unableto use my cards for months now CS must improve please credit XXXX dollars. i had to go to emergency room for treatment
Consumer complaint received 2021-11-10
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: Lending Club Corp (TX)

This is XXXX XXXX XXXX, and I am filing this request myself to address the inaccuracies on my Credit Reports. I am requesting for the correction and removable of the incorrect information about my account has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. In addition, the inaccurate information about my accounts is still on my reports. For that reason, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB XXXX Balance : {$0.00}
Consumer complaint received 2023-01-23
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: Paypal Holdings, Inc (CA)

I have tried to get this removed from my credit report I also I have called to dispute them I have filled a police report that someone has been using my information no one has helped me try get this removed from my credit report im trying to fix my credit score I never had anything under my name before or any thing no car no house no loan no bill 's I live with my parents every thing is under their name 's so I don't understand why this is still on my credit report
Consumer complaint received 2023-01-15
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: ERC (IN)

XXXX doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation XXXX just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.
Consumer complaint received 2019-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I'm trying to refund a payment on PayPal that seems like it went to a sketchy vendor but PayPal won't let me refund, the option isn't there but I've already paid in full the amount owed for the item
Consumer complaint received 2019-12-16
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. (MS)

Reference : my CFPB Complaint # XXXX submitted XX/XX/XXXX to Equifax Credit Reporting Agency. 
As of yesterday { XX/XX/XXXX }, in response to the referenced CFPB Complaint, I have received Equifax 's reinvestigation results ( See Attachment 1, 3 pages ) for the disputed XXXX  XXXX Bank Account on my Equifax Credit Report. Again, NO ACTION was taken to correct the INACCURACIES in the 81-MONTH PAYMENT HISTORY CHART/GRAPH for the XXXX XXXX Bank Account ( See Attachment 2 ). The XXXX XXXX Bank Account CORRECTLY shows that the account was CLOSED in XX/XX/XXXX ; but the 81-MONTH PAYMENT HISTORY CHART/GRAPH is contradicting the Account CLOSING DATE of XX/XX/XXXX. The 81-MONTH PAYMENT HISTORY CHART/GRAPH shows continuing Late Payments and/or Charge Offs, AFTER the ACCOUNT CLOSING DATE of XX/XX/XXXX, during the years XX/XX/XXXX, XX/XX/XXXX and throughout XX/XX/XXXX ( Again, see Attachment 2 ). THIS IS A URGENT MATTER -- I have applied for a Mortgage Loan, and the Lender will not move forward until the CONTRADICTING INACCURACIES on the XXXX XXXX Bank Account is ACCURATELY cleared up on my Equifax Credit Report. This is COSTING ME MONEY while awaiting to CLOSE MY MORTGAGE.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (OH)

I have a XXXX that I could no longer post on and they would not come repossess it. I owed about {$7700.00} on it. It was a XXXX  and XXXX. XXXX  I think.