davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: Specialized Loan Servicing Holdings LLC (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
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. (TX)

not mine FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # A XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, RI XXXX APARTMENT COMPLEX XXXX POPPY XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, CT XXXX SINGLE FAMILY
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, EQUIFAX & XXXX  have not removed it from my credit report.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I opened a Chase XXXX XXXX credit card in XX/XX/2018. The benefits included in the offer for this card are that the {$95.00} annual fee is waived for the first year, and users can earn XXXX additional rewards points if they spend {$4000.00} within the first three months of their card usage. I noticed yesterday that I was charged the {$95.00} annual fee  despite Chase 's advertising that it would be waived, and called customer service today in order to get this refunded as it seems to have been applied in error. I was told by customer service that my offer does not, in fact, include the {$95.00} waiver. I've been given no information as to why this aspect of the offer could have been revoked, as it's still advertised as part of the card membership on the Chase website without any conditions or limitations, as you can see in the screenshots below. I signed up with the offer link that included the {$95.00} waiver and Chase is not willing to refund it.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (OR)

Equifax is reporting a false credit score. They are reporting my score as XXXX ' even though all accounts listed show as on time and satisfactory. The other two credit agencies are reporting my score as XXXX. Equifax also will not provide me with my free credit report that I am entitled to by law, as I have just been denied a loan based off of the false information that has been published by their company. All attempts to contact via phone have resulted in being on hold for hours on end, being transferred ( even to 3rd parties that are not employees of Equifax who want to sell me their 'protection plans ' ) and eventually being hung up on when I demand to speak to their supervisor for resolution. All attempts to correct the issue on their website : www.equifax.com has resulted in error messages that read " We are unable to process your request ''. All attempts to make contact via email has resulted in either no response or out of office notifications, except for one response who provided me an email that again receives no response. I also received a phone number, but it was not an Equifax phone number, but again, a 3rd party who wanted to sell me their 'protection plan ' again. All I want is Equifax to report a legitimate score with correct information, an EQUIFAX employee in a position to assist to contact me, and the free credit report that I am entitled to by LAW.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Open Late Date XX/XX/XXXX, XXXX  XXXX bankruptcy Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

On XX/XX/18, I called Citibank customer service regarding my credit card application status. I get my security question right but they transferred me to the fraud department and refused to check my application status. 

Their decision seriously delayed the time of reviving my credit card and hurt customers relationship. 

I would request to cancel my credit card application with Citibank.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

I have XXXX business accounts that with TD bank that i wanted closed because i dont like how the bank handles certain things. I emptied the account and called and requested both of these accounts to be closed. They told me it cant be closed over the phone.. I have no idea why but i told them I cant come in for medical reasons. I requested to fax whatever was needed in and demanded the account to be closed. 1 of the account i wanted to close was left open and was allowed to over draft for {$2.00} which they then charged maintainence fees and overdraft fees before it was later closed. The other account was also closed after they left it to accrue fees maintence and overdraft fees. 

The accounts are for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

Care Credit XXXX Synchrony Bank They charge almost $ 30/month for something called XXXX XXXX. I do not qualify for this service because I am self-employed. I have called repeatedly for a week to try to address the problem. Here is what happens : XXXX. The number attached to card security doesn't work. A machine recording claims there is a security issue they are working to address, so I am unable to cancel the service and get a refund XXXX. When you call the main customer service number, they say they can't do anything, and that you need to call the number that doesn't work. 

XXXX. At the end of the number that doesn't work, they give you a different number to call, and that person claims they also can't do anything, however, they can submit my request to someone, and I should wait 15 business days to receive a letter by mail to hear if my request has been approved. No one can give any information on refund or any part of the process. They are about to charge me a 3rd time for a service I don't need or want, and I'm helpless. This has to be illegal.
Consumer complaint received 2023-02-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-17
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

In accordance with The Fair Credit Reporting Act XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MN)

On XX/XX/2022 I received a call and text from XXXX XXXX and XXXX XXXX, using ( XXXX ) XXXX. The message stated they were calling directly from the Department of Economic Impact. They wanted me to call back to enroll me in the student loan forgiveness program offered by the Biden administration. I called back and XXXX XXXX answered, he enrolled me in a program where I would make XXXX payments of {$190.00} USD directly to Nelnet, each monthly and with a XX/XX/2022 start date. After the 5 months, I would make {$39.00} USD payments directly to the Department of Education. I was told a total of {$31000.00} USD was deducted from my student loans. However, on XX/XX/2022 I realized the agreement I signed was very different from my recorded conversation with XXXX on XX/XX/2022. Instead of describing direct payments to Nelnet and the Department of Education, which XXXX XXXX guaranteed, the agreement stated payments to a third party by the name of XXXX XXXX. On XX/XX/XXXX, I became aware of frauds using the Biden administration as pretext. On XX/XX/XXXX, I froze and canceled my debit card, information which XXXX XXXX had collected during our call the day prior to start monthly payments to Nelnet and the Department of Education. My bank representative shared that they had received several calls similar to mine. After freezing and cancelling my debit card, I noticed that the agreement I signed did not entirely match the legal entity or agreement that XXXX XXXX stated he represented. Instead, he represented XXXX XXXX. On XX/XX/2022 I emailed XXXX XXXX to withdraw my consent from our agreement, effective immediately, and I notified him that I would be reporting him and his business to FTC for fraud.
Consumer complaint received 2022-02-17
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. (NC)

I checked my credit report and i notice i have a credit card account from XXXX XXXX. I have never had nor never applied for an account with XXXX XXXX. The account is not a negative account but this is not my account. I believe there's been an error in credit reporting.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (CA)

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. I am tired of sending dispute letters to Experian requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, Bankruptcy XXXXXXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I logged into my online account to find that PenFed had closed my line of credit. I called customer service and was told that it was closed on XX/XX/2023 due to inactivity. I asked if an email or letter was sent to me, because i did not receive any communication. She said based on my account profile and FICO, there was nothing that would cause a closure. She put me on hold and spoke to a supervisor, who said it would seem that a letter would be sent, but it appears no such letter is in their system. This is horrible customer service.
Consumer complaint received 2022-01-15
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. (FL)

{$920.00} from XXXX XXXX co XXXX and XXXX and Transunion continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

i called and closed my account for theft. they had me send my balance to the card account they closed!! with over XXXX $ in it! also they did not close my account until after someone spent all my money! then they proceed to tell me it was me, when I had no access to my card bc it was stolen! now they wont give my money back or even acknowledge my complaints! PAYPAL PREPAID XXXX XXXX IS XXXX HOW CAN ANY CARD BE SECURE IF ALL YOU NEED IS A SOCIAL, BIRTHDAY AND THE CARD?!! 

NO ACCOUNT ARE SAFE ANYMORE IF ANYONE KNOWS YOUR BIRTHDAY, PHONE, EMAIL, ADDRESS OR SOCIAL. YOUR XXXX AND THEY THIK ITS YOU STEALING YOUR OWN XXXX THIS COMPANY IS XXXX IN HOW THEY TREATED ME! THIS ISNT THE FIRST TIME EITHER
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian and XXXX delete a non-accurate XXXXXXXX XXXX account on my credit report... Meanwhile, XXXX is refusing to delete this account, and they never could verify this account when the latest proper documentation ....
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened 360 Money Market account from Capital One on XX/XX/XXXX through the following promotion by Capital One https : //www.capitalone.com/XXXX/ And in case they decide to change terms or delete above link to avoid fulfilling the promotion, here 's the archived link https : XXXXhttps :  XXXX/www.capitalone.comXXXX And here 's the promotion terms from the above link " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I opened my account with XXXX promotional code, deposited {$50000.00} in total from another bank which made me eligible for the {$500.00} bonus and till today I still did not receive the XXXX $ bonus. 

I've attached the transaction statements from my account
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

I don't know this company and they keep contacting I didn't know anything about it. They try to collect XXXX $ i dont remembered doing any business with this company the name of CAINE & WEINER
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

I submitted a complaint in XXXX, received a response stating my name had been attached to the debt in error and this would be reported to the 3 agencies to be removed from my credit report. 
As of Saturday XX/XX/XXXX this is still showing on my credit report! 
This is the response I received : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX.