davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right privacy 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b A creditor may not treat a payment on XXXX credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority ()

Hello, I am an american Citizen living and working abroad and am unable to pay my student loans due to XXXX not acepting payments from foreign accounts. I have contacted the company previously regarding repayment options and they have not given me an options, other than mailing a check to which my bank in the XXXX does not allow. It is possible to transfer money from my XXXX account to my american account but that is financially not feasible for me due to transaction fees. This on top of the interest I am paying on my loans is not possible. Companies should be encouraging students to go abroad and not punishing them for doing so. It is discrimination on the basis of finances that should not be tolerated.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX and XXXX.Please remove in accordance with the fair credit reporting act.
Consumer complaint received 2020-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: POPULAR BANK (CA)

We purchased a Fixed Rate Certificate on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX   XXXX XXXX from their branch in XXXX XXXX, CA. It was to have matured on XX/XX/XXXX. We never closed this account. XXXX XXXX was subsequently purchased by XXXX XXXX, now Popular Bank. In the intervening years we moved out of state and then back to CA. The deposit book has recently surfaced. I have called Popular Bank and they could not help me locate these funds. In talking with the the CFPB I was directed to fill out the complaint form.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (FL)

Midwest recovery systems is reporting a balance of {$580.00} on my account on XX/XX/20. I don't owe any debt to this company and was never notified in writing by this company of any debt owed, directly in violation of the FCRA.
Consumer complaint received 2020-02-21
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. (MI)

Friday ( today ) XX/XX/2020 I called Equifax to make a dispute. I gave them my phone number ( which they verified by texting me ), gave them my address, social security umber and birth date. I called to DISPUTE an item on my credit report that caused my credit to go down by 36 points! They wouldn't take my dispute until they " got more information to verify it's me ''. REALLY, they let someone fiddle with my credit but can't verify it's me. They said they needed information about any cards I'd had in the past. I haven't had a credit card in YEARS!!! I'm nearly XXXX. I can't remember that far back!!! I'm livid! This is outrageous. Equifax isn't a company to be trusted that's for sure. PLEASE DO SOMETHING. 36 points!!!! My head is still spinning.
Consumer complaint received 2020-02-21
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. (AR)

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX   XXXX {$790.00}
Consumer complaint received 2016-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (GA)

I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020, I disputed an unauthorized charge on my Venture One card from Capital One for $ XXXX-XXXX XXXX. I did not receive taxi services at any time. XXXX XXXX   was unable to issue credit to me on his machine and told me to dispute it with Capital One. 
On XX/XX/2020, Capital One credited me {$65.00} XXXX XXXX. 
Later, Capital One charged me back for {$65.00} and told me XXXX XXXX, the merchant was contacted and said to give me back my {$65.00}. Capital One credited me {$65.00} Now, Capital One charged me back {$65.00} for a service that was NEVER given to me. 
I have called Capital One several times to make them give me back my {$65.00} and Capital One refuses to credit me, my {$65.00}. 
Today, XX/XX/2020, I called Capital One again for status on my claim and where is my {$65.00}? Agent told me Capital One now has to dispute this with Visa and it will take 90 days. It takes Capital One 30 seconds at most to credit me back-and Capital One was told by the merchant to pay me back {$65.00}. 
Capital One is stealing my money. Violations of the Consumer Protection Act and A.R.S. 44-1522 Unlawful practices by businesses.
Consumer complaint received 2020-07-29
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. (MN)

There are 5 things reported in my credit report to Equifax that are fraudulent claims. I have provided proof many times over the last year, most recently again in XX/XX/XXXX, yet Equifax takes only days to " investigate '' and never gets verification of any such debts reported from the companies or otherwise. When I spoke to them I was told " we just call the credit company and ask if its valid '' then they verified " we do not get or have documentation of the debt ''. Examples are 2 XXXX XXXX policies that I personally closed myself and nothing was owed as I switched companies. Equifax has not been able to provide any proof or from XXXX of the report to my credit as any valid debt and I know is fraud. Additionally, there are 3 claims from the XXXX XXXX XXXX but I was only there on one day XXXX, XXXX and have provided proof to Equifax that my insurance and XXXX paid in full that one bill. There were not three seperate dates or charges there. Even with proof, Equifax did not take it off nor verify with the collection agency or institute. Equifax refuses to obtain any proof of claimed debt and does not accept the paperwork directly from my insurance company and the XXXX payment verification from XXXX too. This verifies my debt paid! Equifax does not validate or correct any of the information and simply keeps it on my report.
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I was approved for an Old Navy Credit card in XX/XX/XXXX. I did not receive my card in the mail until 4 months later. I have not made one purchase with the card. I have several credit cards with department stores that use the same bank and Im in excellent standing with those accounts. Have never been late on any account. They closed my account this month, XX/XX/2020, and stated that its due to my credit. This makes absolutely no sense. They couldnt help or give me direct answer when I called and said its their choice. Thats fine and I understand that, but thats terrible business. It dropped my credit score down 8 points. Shame on them. I believe they closed it due to lack of use. I could care less about losing the store card, Im XXXX about my credit score. I have also been reading other reviews from other consumers that are saying the same thing about Old Navy and their credit card. Please reference Consumer affairs website.
Consumer complaint received 2021-06-15
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: CITIBANK, N.A. (FL)

I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank ) on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was ( for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my credit card.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have applied for a Capital One credit card and approved on XX/XX/2020.  I didnt get my card within the timeframe given to me, so I requested for a replacement card. I had 2 different calls at this time, requesting for it to be sent to my new address and requesting to expedite shipping as I am about to leave for a vacation. They told me thats not possible, even though my original card was not received within the time frame given. They also tried to downplay the situation, saying it can take longer than the time frame given. I patiently waited for them to deliver the new card, but finally decided to call in XX/XX/2020 to report that I still do not have the replacement card. I know they said that it can take longer than expected, but a month seems excessive. The representative then told me that he will expedite shipping for me ( originally not possible when I called a month before ). 
XXXX attempted delivery today and said they couldnt get in my apartment complex. They said I can pick it up at a XXXX location. I requested to pick it up at a different location, but was told that Capital One placed a hold on that option, so I would have to request Capital One to lift the hold so I can pick it up at the location of my choice. I called Capital One and spoke to an agent who said that picking it up at another location would not be secured. I asked to speak with a supervisor, who made a conference call with XXXX. We were both told that the sender would need to lift the restrictions for me to pick up my card at a different XXXX location. XXXX ( Capital One supervisor ) told me that she will place me on hold and when she returned on the line, told me theres nothing that they can do about it because their agreement with XXXX is just to deliver it at the address sent. She was with me on the line when XXXX said that the sender needs to lift the restrictions. I clarified with her that what shes saying is that once the card is sent, they do not have anything to do with it anymore. She replied, yes. 
Im not asking for my package to be sent to a new address. Just picked up at a different XXXX location. Their incompetence and unwillingness to assist me have made the situation much more frustrating. It shouldnt take over a month to receive a credit card and customers should never feel like we are on our own once the card has left their hands. This is a corporation that I should be able to trust with my business and personal information.
Consumer complaint received 2024-02-12
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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. (AZ)

I initially mailed a dispute via Certified mail with receipt to Equifax on XX/XX/XXXX @ XXXX XXXX  about two fraudulent items listed on my Equifax report and requested to update my Employment information. The U.S. Postal Service did mail me back the green card stating Equifax did sign for my package of disputes on XX/XX/XXXX. 

The problem I have with this receipt is the deception that Equifax is used when they signed for my package. The package couldn't of been delivered on XX/XX/XXXX because that was over one year ago. Also the green card with the U.S. Postal Service original receipt does match and the receipt cleary shows XX/XX/XXXX is the day the package was received in the post office. 

Also the online delivery confirmation shows that the package was signed for on XX/XX/XXXX and that Equifax has reaged my package a year and possibly reaged my package for this year adding two extra days on the green card from XX/XX/XXXX, to XX/XX/XXXX. If Equifax were to try to say it was an error for the year of XXXX instead of the year XXXX they need to explain the date of XX/XX/XXXX when the package was actually received and not the date of XX/XX/XXXX when they said the package was received. 

If there was an error it would of been dated XX/XX/XXXX not XX/XX/XXXX. 

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. On XX/XX/XXXX I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. I also requested a correction for a previous employer named ( XXXX XXXX XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. As of XX/XX/XXXX a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/XXXX relating to this investigation regarding all three of these inaccuracies. It has been 39 days since my dispute was received from Equifax and as of today on XX/XX/XXXX, all related disputes are still currently reporting to my Equifax credit file. This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. I am holding Equifax responsible going forward. I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.
Consumer complaint received 2020-02-21
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. (MI)

XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I

AM VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY HAS OPENED A CREDIT CARD UNDER MY NAME THEY HAVE MAINTAINED THE CREDIT CARD AND THEY HAVE MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I AM NOT RESPONSIBLE FOR T HE CARD OR FOR THE PAYMENT THAT THE THIEF HAS MADE. I HAVE ASKED NUMEROUS TIMES FOR DISCOVER TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, AND I HAVE ASKED THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FORM MY CREDIT REPORT. THIS IS REALLY UNFAIR. I HAVE EVEN SENT THEM MY IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT. WHY ASK FOR DOCUMENTS WHEN YOU ARE NOT GOING TO HONOR THEM. I AM THINKING MABE DISCOVER HAS SOLD M Y INFORMATION AND NOW THEY ARE REFUSING TO RMEOVE THIS ACCOUNT FROM MY CREDIT REPORT.