davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One I have had 2 cards with this business for over 10 years. A new card was applied for by someone which was fraud. I called Capital One to close this new account as I received a credit alert on XX/XX/XXXX indicating a new account was opened for which I never applied for. On XX/XX/XXXX I could not login to my accounts online. I called Capital One and explained I could not login and they indicated that one of my accounts was closed due to fraud.
I never got a communication about it. I then called them a couple of weeks later XX/XX/XXXX ( spent a half hour on the phone to get the account re-established and they indicated to login tomorrow and you should be able to re-enroll your existing credit cards.
Tried that on XX/XX/XXXX and all attempts failed. Called Capital One again and was transferred through 5 representatives and spent an hour and a half with no resolution.
At this point unable to login to see my credit card account information and do not have any statements to see if I owe anything, as I am enrolled in online statements.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (IL)

i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for XXXX
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

On XX/XX/12 I sent a complaint about Citi Bank ( ID XXXX ). 

Per the Citi Bank account 's response, I waited to receive a reference number to my address on file, but no such number every was received ( I have received my Citi debit card and account checks to the address ). In addition, after reflecting sending two forms of ID over the mail is not a safe or fair request as sending ID by mail creates an unnecessary identify theft risk.

As of now Citi bank has still not given me access to my funds or a reasonable and safe pathway.
Consumer complaint received 2024-03-07
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)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; TXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-30
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: CITIBANK, N.A. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-10-07
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My former request for you to be able to allow me over the info as to whom you chatted to comprising the addresses and names of the person or persons got into contact with has unfortunately not likely been reached. By now I'm pondering a lawsuit and have initiated the process of speaking to legal " suggestion ''. I'm requesting for one last time that you still deliver me along with the information that has been previously demanded and in addition to that, you need to supply me with a copy of the deal authorized or voice conversation where I signed up billing me from this account. If not you should correct this in my credit report in line with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-28
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: Merchants Credit Bureau, Inc. (GA)

After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. 

( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help.
Consumer complaint received 2024-03-07
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. (AL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

HI Bank of America ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (IL)

FORD Credit has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

CREDENCE RESOURCE MANA You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2022-01-25
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)

Dispute Case Number CapitalOne : XXXX XXXX XXXX XXXX XXXX I have subscribed to a XXXX Marketing Managed Service for my XXXX XXXX XXXX XXXX XXXX XXXX worth {$2800.00} it was an initial 3 months contract, where they were supposed to manage my store starting from testing XXXX products a month to a lot of listed services. They failed to provide me the service and they continued the subscription for free for some time, however, I was paying for all the operational expenses thinking it will get sorted, however, they were lazy and lack of strategies and I was losing money. I reported to CapitalOne. I have provided them communications, subscription details as given on his websites, including a Second Opinion where it clearly indicated that XXXX XXXX XXXX is at fault. According to CapitalOne Dispute Team Member : XXXX ( ID : XXXX ) XXXX is not looking into my dispute seriously nor reviewing my case properly and CapitalOne is just a middleman here. For the past couple of months, I have been running back and forth, I also shared communication where the XXXX XXXX XXXX XXXX literally threatened me to block me and made me a laughing stock that they are winning the case. I even contacted XXXX even they are just throwing me back to CapitalOne. I need your help so that my supporting documents are reviewed properly and I want my money back. If the merchant was willing to negotiate and change the account manager I would have worked with them or even coordinated a proper refund I do not have any problem, but here neither CapitalOne/XXXX gave the effort to review all my documents. They have a standard list of documents that may not be available in all cases. I need your help here to address this matter as a customer. I appreciate totally that CapitalOne accepted my dispute beyond the 90 day period but after taking the case, they are not even reviewing my case, they use some kind of AI technology to review my dispute for sure, or else this case is very strong in terms of pieces of evidence and supporting documents I have shared. I have never missed a single payment I always paid on time to CapitalOne, even the amount I am claiming was fully paid. I would not have claimed it if XXXX XXXX XXXX would have worked diligently as per the subscription that was agreed.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have ask my bank and credit card company to refund my payment that I have made in error. The error was made on XX/XX/XXXX I had to call several times to resolve this i was told it would be wire transfer back to my account and it was not and it is XX/XX/XXXX and I still dont have my money.
Consumer complaint received 2022-01-14
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. (GA)

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Ive had a situation with BofA and my account was officially closed XX/XX/XXXX but the I have been dealing with this since XXXX. They told me the problem would be resolved within 45 days but has been way past that. They were supposed to send me a cashiers check within XXXX business days and the last day I was suppose to receive it was XX/XX/XXXX or XXXX, XXXX but havent gotten anything. Before they even sent the check I asked if I could pick it up from a local bank and they said yes but it would take 1-5 business days to be approved. I called 2 days later and they told me it had been approved but it was to late because they sent it out already. I already confirmed they shipping address and they couldnt tell me where my check was and they I will have to wait another 120 days before they send another one. 
The checks were around XXXX and XXXX.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (GA)

I have mailed XXXX a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent XXXX a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Consumer complaint received 2018-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file
Consumer complaint received 2016-10-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted CFPB complaint regarding XXXX XXXX and Transunion XXXX for the accuracy of the information being reported on my credit report by XXXX XXXX Services. I provided dates of all the discrepancies and consistent errors over the past 3 years. I then requested the record be removed from my credit report due to the damage it continues to do to my credit worthiness. 

I am entitled to a fair investigation into the disputed information under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. 

Both Transunion and XXXX continues to violate these rules. The willful non-compliance and FCRA violations of Transunion and XXXX are causing significant harm to my financial well-being. An investigation was not completed to determine the errors. An investigation was completed to determine if the account was valid.
Consumer complaint received 2022-10-07
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. (PA)

Sent a letter to TransUnion more than 30 days ago, still haven't heard from them and the inaccuracies are still showing on my consumer report, due to this fact I have been discriminated/denied for several extensions of credit and a mortgage. These inaccuracies on my consumer report are hurting my ability to obtain credit which is my right pursuant to federal law. therefore, I demand for TransUnion to delete all these inacurracies.
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (MI)

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and Experian have fixed some of them but XXXX  has not fixed any of the errors.