davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
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. (TN)

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   FOR XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-02
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: Specialized Loan Servicing Holdings LLC (FL)

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a capital one credit card d account back in 2014 I had my account for many years in good standing actually in outstanding standing no issues what do ever paid on time never late! I made a payment once which was returned by my bank XXXX XXXX by mistake, I contact med XXXX XXXX they sent a letter stating it was an error to capital one but capital one saw fit to close my credit card account over the returned payment. Not only did they close my account but black listed me saying improper use of account?? So I was listed not able to apply for a card ever again with capital one?? I also included that account on my bankruptcy its more than XXXX XXXX XXXX & still dhoeing on my credit report!! I just recently applied & denied told I dont meet capital ones integrity?? Over a returned payment?? Mind you only one returned payment ever & a bank error.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On the XX/XX/XXXX and XX/XX/XXXX, i had XXXX $ withdrawn from my account by atm card with chip and pin was used. I called USAA to report the transactions on the XX/XX/XXXX around XXXXt when i saw the withdrawals. Then when i activated my new card issued to me on the XX/XX/XXXX, the very next day on the XX/XX/XXXX, another XXXX $ was taken from my checking account. Now i dont know if it was the old atm card info that was used or if it was from the new atm card. Only I and the representative from USAA knew the pin number for that new atm card. So I reported that withdrawal that same evening when i noticed it. Well USAA has investigated and told me today that the fraud claim is denied and I am not getting reimbursed the XXXX , which includes atm fees, do there being activity before and after the fraud accurred. I Explained to them that of course theirs going to be activity before and after because I didnt notice the fraudulent activity until the evening of the XX/XX/XXXX and the XX/XX/XXXX.  They say that the chip on the card and pin was used so they are saying that i committed the fraud. I have filled out an affidavit that they sent me and also made a police report. Also all the withdrawals were done at the same atm machine near my home. I told USAA that it was absurd that I did the withdrawals and then go and file fraud putting my Social Security payments and my Veteran Affairs payments ( due to me being XXXX XXXX XXXX XXXX XXXX ) in jeopardy if i was making false claims to scam the bank out of XXXX $ when I receive over XXXX $ a month.
Consumer complaint received 2020-08-03
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: WELLS FARGO & COMPANY (NV)

I have a loan with WF CRD SVC, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and WF CRD SVC, XXXX XXXX  XXXX, and XXXX XXXX XXXX   XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-07-15
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: Grant Mercantile Agency (CA)

On XX/XX/2019 I submitted a dispute for these accounts GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but XXXX claims they verified the accounts.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested debt validation from XXXX about an account that is reporting inaccurate information on my credit report. XXXX XXXX  ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX
Consumer complaint received 2022-08-16
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My credit card bill has been paid automatically via debit from my checking account using Bank of America bill pay system. That has worked like a clockwork for as long as I have had this particular account open. 
Suddenly on XX/XX/2019 it did not work even though my bank account had sufficient reserves. 

Bank of America is the credit card issuer and they claim that debit did not happen this time because of the user error and refuse to acknowledge their part in this and refuse to refund or at least partially refund the late fee and interest charged. I paid the bill in full including {$70.00} in interest and late fee as soon as I discovered this error and was late only 4-5 business days. I never received a notice that bill pay system had not worked! What is the purpose of automated bill pay if it fails without notice! 

I contacted their customer service twice. They claimed that it was a user error even though they had no idea why bill pay failed. I was told that their manager will contact me within three business days from XX/XX/XXXX. That never happened. 

Please advise. Thank You!
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank Of America has placed my account into a risk closure status and is illegally withholding deposited funds and continues to accept deposits to my account while withholding all funds that are owed to me. They claim they don't have a date when they will be done with their review but after the review is done it would take 7-10 business days. I call and the risk closure team says I can go to the bank to withdraw the funds. The branch is saying they have to call risk closure. They have me go all the way to the bank which is far from my house. I was told again this morning to go to the branch and withdraw but I feel this is a waste of time. I will update everyone after this attempt.
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (AZ)

Paid {$6000.00} to Exeter for interest and principal. Exeter paid the fees instead. In addition, th credit bureau is reporting XXXX + is still owed. 

XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$50.00} XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$390.00} XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$2500.00} XXXX XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$3000.00}
Consumer complaint received 2022-08-16
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. (VA)

I am a natural person, I am a living human being, I have rights. 

Under 15 USC 1681 section 602 A. States I have the right to privacy. Law also states a consumer reporting agency can not furnish a account without my written instruction. I did not give Experian written permission to furnish these accounts. 

Experian is govern by 15 U.S.C 1681. Section 604 A Section 2 : And they has violated my rights numerous of times. I demand the account listed below be removed because In accordance with the fair Credit reporting Act XXXX  account ; XXXX XXXX  Account listed as XXXX, XXXX with account number listed as XXXX and XXXX XXXX XXXX XXXXXXXX has no associated account number listed, has violated my rights.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Inquiry XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of FCRA.
Consumer complaint received 2020-09-15
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. (MD)

Submitted a dispute regarding XXXX XXXX account on my report, the dispute is for a 30 day late that is incorrect. I've submitted XXXX disputes and each time the 30 day late is moved to a different month when I have not made any late payments on the account. Information is not being verified and it is just being updated to reflect incorrectly each time. No proof was sent regarding the verification, so I'm curious of how the updates are being verified
Consumer complaint received 2022-08-16
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: Shellpoint Partners, LLC (WI)

I had a mortgage loan with Newrez. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. Newrez however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to Newrez and sent the images of the statements from them yet they stated that did nothing wrong.
Consumer complaint received 2022-08-16
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. (GA)

Wrong addresses on my credit report Inaccurate information on my credit report items has not been verified, and need to be removed and unauthorized inquiries Investigation took more then 30days,
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a loan with BESTBUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BESTBUY/CBNA were no successful resolution. XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America acct opened in XXXX. They closed it XX/XX/XXXX. 
Last charge XX/XX/XXXX for $ XXXX, made payment in full for $ XXXX XXXX XXXX. 
Credit card limit XXXX. Every payment since XXXX was paid in full before 30 days. In XXXX and XXXX of XXXX I never received the statement as XXXX has not been delivering mail to right addressees. Once I notified the bank, I paid the lowest bill of less then {$300.00} to Bank of America, and they even waived the late charges due to my payment history. They said it would not effect my credit. 
I have no derogatory payments, late or in collections from any institution. 
I never got any letter leading up to the closing of the account. 
I am working with all three credit bureaus to dispute the late payment from Bank Of America back in XXXX. I had XXXX XXXX points that is cash that had of mine at the time. They said many of the points expired and I never got the cash amount. This is a personal card hurting my personal credit. To reach a high credit limit I had to have high charges with great payment history and the high amounts paid off. I am not treated like a valued customer as they say and if they actually looked into my account instead of sending a computerized impersonal letter, they would have seen I am a good customer who pays all bills on time, and the mishap in XXXX was brought to their attention right away and was paid. In 15 years I have never been late so I should not be faulted. 
Most of all they are ruining my credit and chances to get another credit card with A high limit which I worked hard for. 
Is it because of Covid and they are afraid I will charge a high amount and not pay and they could also expire my cash points that I rightfully earned? 
Their response was we can close an account any time for any reason? ..
Consumer complaint received 2019-01-25
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)

I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.
Consumer complaint received 2021-08-20
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: TD BANK US HOLDING COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-11-25
Product: Credit 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: Block, Inc. (TX)

Cash app support is very unprofessional rude gave them the information that they needed. They even verified that the XXXX provides transaction/scammer was not authorized by me was supposed to get money sent back to my account or to a new account I should say or possibly mail me a check Never got it. They close my account because they said I was disputing too much stuff but they knew this already due to me complaining about money being stolen from my account from a scammer and they also know I didnt have my card because I was already supposed to be issued a new debit card before this even happened Because the previous card was stolen and I am guessing thats how they made the purchase. It happened in Minnesota and I was in XXXX at the time so it definitely wasnt me and they seen that due to them tracking my location. Havent gotten anywhere with them. They blocked my account spending my account And havent gave me any updates nor new information nor have I received my money