davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: BARCLAYS BANK DELAWARE (WA)

Book a package through the XXXX  website with the XXXX  credit card by Barclay 's. The transaction was refused. After talking to a bunch if the service reps and being on hold. I finally got a rep that told me the charges did not go through on my card. I instructed the rep to close my account. I as told the account was closed. I then purchased the flight and hotel on another card. I received a bill from Barclay 's for the package at the end of the month. I have spent countless hrs talking to reps and jumping through hoops. To get this fixed. The card was closed and the company reran my card that was supposed to be closed. I talked to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX. XXXXXXXX XXXX XXXX  and Barclay 's. Originally all the companies blamed eachother and said I need to get it resolved through them. Barclay 's has set up appointments with me to call my phone on my days off but never calls. Then they say I wasn't answering. Phones log the numbers incoming. Not one call from them is in my phone logs. I have processed complaints through them 3 times now getting case numbers. Only to have to call them and ask what is going on. This is strait robbery. Those charges were done after my account was closed.
Consumer complaint received 2022-10-07
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/14 I purchased a DJI FPV drone on XXXX for XXXX .I paid immediately, after a few days I contacted the seller asking for a delivery date.he informed me that the drone was damaged before he could ship it so he was canceling the shipment..within a few days I received a notification of a label has been created and their was a tracking number..I am being forced by XXXX to pay for something I never receivedthe XXXX XXXX tracking number is XXXX if you google the number it shows XXXX XXXX never recieved the package..their is no proof of shipment or delivery I have disputed this over and over.XXXX says that I received a tracking number and for them that is good..if I do not pay it will damage my credit.
Consumer complaint received 2021-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I am with a qualifying employer for the PSLF and have been employed with them for over 10 years. I was told in XXXX that in order to qualify for the PSLF program I had to consolidate my student loans with a particular company that would make me eligible for the loan forgiveness program. After consolidating and becoming eligible for the program. I was told that I would not be granted forgiveness for the loans dating XXXX XXXX and to present date in XXXX because I consolidated and opened up a new loan. THe consolidation is looked at as a new loan. The consolidation made me ineligible for the TEPLF ( Temporary Loan Forgiveness Program ) which would make me eligible back in XXXX. 

The Consolidation caused miss information and I was mishandled. This misinformation made me as the consumer and I am sure other consumers unable to utilize the program to help individuals come out of student loan debt sooner and benefit from the program. This seems to only benefit the company and would warrant an investigation since consumers are being provided wrong information that only benefits the loan handler.
Consumer complaint received 2022-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I was approved for the Homeowners Assistance Fund through the Florida Department of Economic Opportunity in XX/XX/2022, but my mortgage company is not updating my account. The approval was for my reinstatement amount and 4 monthly payments ( XXXX payments total ). There were XXXX checks dispersed in XXXX XXXX for {$42000.00} and the XXXX for {$1600.00}. The XXXX check was dispersed in XXXX for {$1600.00} and same for XXXX. 

I notified Nations Direct Mortgage via the Loss Mitigation department back in XXXX that these funds will be coming and emailed them the grant letters, per their request. I began calling again about mid XXXX to check on the status of my account. It was suggested that I wait 30 days from the time the funds were sent out for an update. That is what I did, so I began calling again starting the second week in XXXX. Today is XX/XX/XXXX and despite calling 1-2 times per week for about a month now, the funds have not been applied to my account. The same action is performed everytime I call- they send an email to their HHF department for an update. 

I have even had the Florida DEO on the line with me on 2 occasions with no progress. The DEO confirmed that 2 payments were processed by the mortgage company, however Im not very clear on where that information was being pulled from. Nations Direct was even unable to confirm an address that payments should go to when the representative from the DOE asked for one. 

I fear that, at this point, there is no process in place at Nations Direct on how to accept these types of payments, despite me notifying them back in XXXX about it and emailing the grant letters that contain all the information they need. This mortgage company has already once erroneously sent my account to a Foreclosure attorney, but fortunately I was able to catch it early and get that stopped and reversed. However, they still charged me for the attorney fees. 

Im afraid of losing my home. Please help me.
Consumer complaint received 2022-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (TN)

on XX/XX/XXXX i pulled up my credit reports and notice accounts that i did not open. a FTC complaint was filed and attached too this complaint. sense i was young my mother has stolen used my identity for her purposes as she destroyed her own credit. at the age of XXXX i had utility 's in my name. AR resources inc has placed a collection on my credit report that i did not open use or have knowledge of.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have repeatedly notified capital one of fraudulent charges and attempted to freeze the account and now tried to close the account. 

Capital one is still harassing me about charges to the account. Its internal fraud. They wont stop it
Consumer complaint received 2019-07-30
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)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX
Consumer complaint received 2019-07-30
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. (CT)

My personal information was compromised due to the Equifax Data Breach. I have several fraudulent accounts listed on my credit report. I have been contacting Equifax for almost 2 years in regards to theses accounts. I have sent in Identity theft affidavits from the FTC, along with police reports from my local police department. I am not getting any resolution from Equifax in regards to these accounts or removing them with the information that has been provided a numerous of times.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance 's with the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires XXXX XXXXXXXX XX/XX/1921 XXXX XXXX XXXX XX/XX/1921 XX/XX/1921 XXXX XXXX XX/XX/1921 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1921 21
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: Experian Information Solutions Inc. (MA)

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, Experian, XXXX and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting Experian, XXXX and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX  ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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. I have never given any instructions to this company to furnish this account. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. Checking the reported account, it has missing information reported in Experian, XXXX, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did work for for a XXXX XXXX he wrote clean checks to my account everything clear boa closed my account because they assumed it was fraudulent but that wasnt the case.,, its been 3 months and they still not trying to release my money because they Stating XXXX XXXX bank need to make a recall On the checks. And XXXX XXXX XXXX XXXX stating they cant make the call on the checks because back of America holding the funds..
Consumer complaint received 2022-10-07
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. (FL)

A credit card account showed up on XXXX, XXXX, and experian at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.
Consumer complaint received 2022-02-20
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. (CA)

XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

A well intentioned, poorly trained Fifth Third Bank representative tried and failed to setup automatic payment as promised, which caused the XX/XX/2018, late payment issue on a new account. The fault resides with Fifth Third Bank. Evidence of the bank representatives actions have been supplied. Once an alternative automatic payment approach was provided by representative to customer in XX/XX/2018, the customer did the setup, and all future payments were automatically on-time. There is still {$130.00} of late fees the bank has not refunded yet due to the banks actions and lack of actions as was promised by their local bank representative. Although a late payment happened, the funds and automatic payment method were available to the bank representative well in advance of payment due date. 

XXXX, XXXX, and XXXX disputes were logged, but not resolved because FifthThird Bank has not addressed correcting that the XX/XX/2018 late payment was due to FifthThird Bank. This action by FifthThird has cost several tens of thousands of dollars, maybe hundreds of thousands of dollars, of declined credit. This is the only late payment on 6 years of credit history. 

FifthThird Bank advertises great customer service. The public and I expect better. I appreciate the CFPB 's help righting this 2018 situation.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Started to get a series of emails at XXXX XXXX on Friday XX/XX/XXXX that a Bank of America account was being opened in my name. I did not verify my email address or anything, but it looks like the application is in process and the applicant is now updating the associate email address. 

Have tried to get in touch with Bank of America, but only placed on a series of holds and rerouting and now have to wait another hour for a call back.
Consumer complaint received 2022-02-20
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. (PA)

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and i ask that they be deleted from my report. The items i need removed are listed in the report attached. I have notified the companies that i did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted transunion and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
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. (TX)

I am disputing inaccurate information on my Experian credit report, but Experian is not investigating. I sent a letter to them on XXXX and they keep saying that this information is accurate even though it is not. They told me to contact the creditor, well I did that and they did not investigate either and I am concerned that they are overlooking this issue even though they are supposed to conduct a reasonable investigation. I have reminded them of the FCRA, but they still violated it and are still reporting inaccurate information.