davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I got a notification from my Experian app that an inquiry was added. I discovered there was an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX and upon further investigation, another from XXXX  XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-08-21
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: U.S. BANCORP (CA)

I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.
Consumer complaint received 2022-03-09
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)

I was trying to request an increase on my macys card which the limit was {$7500.00} upon request it asked me online how much I would like more I put {$3000.00} and then it said it was approved and it didnt increase it it lowered my overall Total limit I didnt ask for a decrease it went to {$3000.00} from {$7500.00} when it was supposed to be additional {$3000.00} I was requesting from the {$7500.00} this has to be fixed it said it was approved but it lowered my card limit instead
Consumer complaint received 2018-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted XXXX about this " CAPITAL ONE Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. XXXX & Capital One refused to remove the fraudulent account from my name.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IL)

My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.
Consumer complaint received 2021-04-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

My home is up for a foreclosure sale the XXXX Tuesday in XX/XX/2018. The assignment that being used to foreclose was created after the cut off date of the alleged trust that claiming to have Power of Attorney. I revoked the power of attorney that was given to the XXXX XXXX with the Borrowers Waiver of Rights in the XXXX County Courts. The assignment is robo signed and fraudulent.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (DE)

Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.
Consumer complaint received 2022-03-09
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. (MD)

Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX Account # XXXX ha

s violated my rights.

15 U.S.C 1681 section 602 A States I have the right of 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 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MS)

I received a pre approval credit card from Chase via XXXX XXXX as my scores are in a good position. I then applied but was denied because of a XXXX yr old bankruptcy. My issues are that this credit app. caused my credit score to be decreased by several points as it is an inquiry on my report. Moreover, I should have been warned prior to applying that a bankruptcy credit app would be discriminated against. I now seek your help in getting this inquiry removed from all 3 of my credit scores.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX with the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX Citibank credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018 I XXXX out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (CA)

I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
BOA card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there. 
I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

On XX/XX/XXXX I accompanied my mother to Apple Bank for Savings at the XXXX XXXX Branch. One, to inform them of the passing of her husband and, two, the transfer his two savings accounts in trust for my mother into her accounts at the same bank. On XX/XX/XXXX, we provided the branch with an original copy of her husband 's death certificate and were successful in moving one of her husband 's account holdings into my mother 's savings accounts. We were informed by XXXX XXXX Customer Service Representative that the funds in the second account would not be available for 30 days. When we returned on XX/XX/XXXX we were told that we must have a letter of administration to release the funds. When I inquired as to why, with Assistant Bank Manager XXXX XXXX, she informed me that it is a state regulation. I asked why I was not informed of this regulation on XX/XX/XXXX and why one account was released and not the other? I also informed her that l would now have to return to my attorney and pay additional fees and court costs to add this information to our court filings. Ms. XXXX did not provide me with an answer and simply stated that she " could not tell me why I was not told and that she could not release the funds. '' Upon consultation with my attorney, I found that additional court documents were not required on any account with a beneficiary. The account in question has the same passbook title as the transferred account. It is clearly titled : In Trust For " ITF ''. Why is Apple Bank for Savings holding and refusing to release these monies without court documents and at great expense to me? 
I find this to be unacceptable, incompetent, deceptive and fraudulent
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.
Consumer complaint received 2023-03-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX 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, 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 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.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to bring to your attention a concerning issue I have encountered regarding inaccuracies in my credit report. Upon reviewing my credit reports, I discovered discrepancies related to late payments attributed to three creditors, despite my consistent and timely payment history. 

One such instance involves a loan ( Account Number : XXXX ) with Local Government XXXX XXXX, where a late payment was reported in XX/XX/year>. However, it's imperative to note that I have never defaulted on payments for this account. Interestingly, this discrepancy appears on two of the credit bureaus while being correctly reported on the other. 

Furthermore, I recently noticed another discrepancy concerning an account with XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report, a late payment was recorded for this account, which is entirely inaccurate. I have maintained a flawless payment record with XXXX XXXX XXXX, and no late payments have ever occurred. 

In an attempt to rectify these matters, I promptly initiated disputes with the credit bureaus by submitting written requests for investigation. Regrettably, despite complying with the proper procedures and adhering to the requisite timelines, there has been an alarming lack of response from the bureaus. Consequently, the erroneous information remains unaddressed, posing unwarranted consequences for my creditworthiness. 

Dispute from the consumer or reseller. They also violated these laws And according to 15 USC 1681i % theyare suppose to do this ( XXXX XXXX of inaccurate or unverifiable information ( A ) in generallif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, am item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) prompltly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that informationthat the information has been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are suppose to not furnish any information
Consumer complaint received 2023-03-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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 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.