davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

On XX/XX/19 and XX/XX/19 I attempted to initiate a dispute on the Equifax website. It repeatedly told me I was entering personal information incorrectly, which I absolutely was not. During the verification process, I was correctly answering the questions regarding information that either is or is not on my credit report. I know I was answering them correctly because I check my credit report at least once a month on XXXX XXXX and also because I am currently in the 10th year of my career in retail banking and consumer and small business lending. After not being able to successfully register my dispute for free, like I have a legal right to do, I attempted to purchase an " Equifax Complete Premier '' membership assuming I would be able to register my dispute from there. I completed the process of initiating an account and entered my billing information at which point I was told that my card could not be verified. I entered my information again and received the same response. I then checked the pending transactions in my online banking and saw that they had charged me {$19.00} twice but was still being told that I did not have an account. I then called their customer service line XXXX and spoke with an employee named XXXX, EQUIFAX ID # XXXX. After having to give my social security to them for probably the 20th time, he told me they never charged me. I informed him that I had been charged twice and was told that I had to wait for the transactions to post and then I could email a different department with a screenshot of my bank statement and request a refund credit. He maintained that I did not have an active subscription but that he could send me a link to reset my password. I then asked how it was possible for me to successfully create an account and see the two successful charges to my account but still not be given access to my credit report or the ability to dispute it. At that point he said there was nothing else he could do for me and that I should wait to see the charges be removed from my account. I am shocked that after all of the wrongdoing and negligence Equifax has been found to be responsible for that they would continue to operate in a way that harms consumers. They have a legal responsibility to allow consumers to be able to dispute items, which they are not allowing me to do even though I am answering their questions correctly. The gentleman also blatantly lied when he said he could not see that there was a successful charge on their end. I sell credit card processing as part of my job. I know that if I can see the transaction on my end, they can see it on their end. Equifax needs to be held accountable for their continued attempts to rip off consumers and prevent people from being able to dispute the inaccurate and damaging information on their credit report.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, Capital One credit card company through its CapitalOne Platinum Card is misleading consumers by offering and advertising its card as " No Annual Fee ''. 

After I am signed up to this card 5 years ago, now they are changing the agreement without even notifying me and started charging me XXXX $ annual fee. I found out about it looking on my statement. I called them, and they claim it as a " procedural issue ''. Now, that I close this card, it will affect my credit score and history. They want to waive first year annual fee after I stated that I will close my card. but I want them to roll back my card into No Annual Fee policy. 

Had I known at the very beginning, I would have not signed up in the first place. To make an informed decision, I need to know about this at the beginning, when I sign up on my agreement with this company.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: L.B.Gray LLC A Debt Collection Agency (FL)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 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.

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 that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX XXXX$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2018-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (MD)

I have a mortgage with XXXX XXXX. I was making payments through the XXXX XXXX ( XXXX ) XXXX run by XXXX. Their customer service center number is XXXX. I called them on 6XX/XX/XXXX to close my account. They had already collected my XX/XX/XXXX mortgage payment in the amount of {$1500.00}. They told me upon closing my account, they would forward my last mortgage payment to XXXX. For the next week, I checked my XXXX account daily and the payment never posted. I paid the mortgage from my savings account as to not miss the XX/XX/XXXX deadline for the XXXX payment. Since XX/XX/XXXX, I have constantly called the XXXX XXXX XXXX and asked them to refund my money. They continually tell me one of three things : 1 ) the money is being sent to my mortgage company, 2 ) the money is going to be send back to my checking account and should post in two days, 3 ) the money is being overnighted to me in a check to my home. I still do not have my money and now over 4 weeks have passed since I closed my account. Please help me get my money back.
Consumer complaint received 2024-05-16
Product: Credit reporting 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. (WA)

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. This is my new complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged identity theft. I also attached here my new FTC report with reference # XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- -- -- XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. These items are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2023-07-25
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. (FL)

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 Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is notice that XXXX, XXXX and TransUnion are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unknown XXXX
Consumer complaint received 2023-07-25
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. (FL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

The company Venmo claims that I have done something to cause them to close my account they have frozen my money almost {$400.00} nobody will give me a reason why nobody will help me find out how to get the money Ive done absolutely nothing wrong.
Consumer complaint received 2019-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from XXXX and transferred to XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX respectively. 

On XX/XX/XXXX, XXXX XXXX XXXX returned the funds to the originator. Although, the funds were debited from XXXX account, the originating source of the ACH transfer was actually Bank of America ( refer to attached CFPB complaint response from XXXX XXXX XXXX on XX/XX/XXXX, which include detailed return trace IDs ). 

Contacted Customer Service at Bank of America via phone several times since XX/XX/XXXX. Transferred to various departments, however, without resolution to this matter or ability to " open an internal claim '' to reclaim the funds.
Consumer complaint received 2023-07-25
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (GA)

Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.
Consumer complaint received 2022-12-29
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. (AE)

Saw on a recent pull of my credit report that there was 120 late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. Transunion 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

# XXXX, # XXXX as well as Regular inquires I did not approve of. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 's XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX The regular inquires I did not approve of and took my report without consent I am asking to be removed from credit report. The accounts that have been closed I'm requesting taken off. Kohls has already been paid in full and XXXX did not credit my account for money they had taken from my account. That is why my account was charged off and I called multiple times for them to correct this and they did not. It is not my fault they closed my account and will not refund money to credit my account.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have been paying on four promotional balances through Care Credit. Each plan carries a unique expiration date. While I have made payments of more than {$2700.00} over the past year, none of my accounts have been reduced by the equivalent credit. Moreover, the company can not explain where my money has been going. I am left on hold until they disconnect the line.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

SPS says I signed paperwork saying that they was modifying my loan and changed it too a balloon, I been in my house over 17 years
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account is from a XXXX loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: NEW CITY FUNDING CORP. (NY)

I have a repossession on my credit report that I have been trying to dispute through XXXX and remove as its beyond the 7 years of its statute of limitations with New City Funding. The date the account was opened was XX/XX/XXXX for {$3000.00}. The vehicle was repossessed in XXXX for remaining balance of {$1600.00}. When I disputed in the past the reporting agency came back and said it was a verified debt until XX/XX/XXXX. I recently disputed it again as its beyond 7 years old and they still wont remove it. Please have them remove it. I feel I have paid the price with the harm its done to my credit score for the last 7 years and it is my right to have it removed.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oklahoma Student Loan Authority (LA)

This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.