davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX ACC # XXXX- Status Updated XX/XX/XXXX XXXX ACC # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX I am attaching the FTC report I sent to this  company as proof that I am a victim of identity theft.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

I received several notifications from XXXX informing me that XXXX XXXX   has taken back several payments from them from fraudulent purchases made on the XXXX store card ... now XXXX is informing me if I dont pay for those purchases my account will be closed whats even more annoying they decided to wait until they received my XXXX XXXX payment to all of a sudden to make this decision .... I have submitted my police reports with all the credit agencies and the agencies have then reported the information to all creditors ...
Consumer complaint received 2022-03-13
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management sent a pre legal notice in the mail. I called to settle my debt, but Midland refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to Midland Credit Management, XXXX did sell my debt to Midland. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment Midland refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX XXXX XXXX opened a debt collection of {$2100.00} from the original creditor 08 Capital One Bank USA. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.
Consumer complaint received 2019-04-27
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: CITIBANK, N.A. (IN)

XXXX sent me a " pre-approved '' letter asking me to apply. I currently have a credit card and am in the process of buying a house so normally I throw away all credit offers I recieve. I thought the terms on this particular offer sounded beneficial, so I accepted. Just to be denied. Now I'll have an inquiry that will have a negative impact on me. I feel this is misleading. When I called to discuss this practice I encountered a woman who only read the same letter I already recieved and read myself. I understand they want new business but to the extent of taking advantage of consumers should not be tolerated nor allowed. I doubt I'll find resolution however there should be protection from companies fishing in manners like this.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (FL)

I recieved the email below from wells fargo on XX/XX/2019. I followed up with their teams for the last 3 days asking what the at risk event was. They have refused to disclose it. They went as far to tell me to call visa. Visa informed me that Wells Fargo has the information. I attempted to speak to a manager today. After 2 hours of wating they hung up. If there was a potential privacy breach I have a right to know the nature and details of that breach We have shipped your new Wells Fargo Debit Card ending in XXXX-XXXX-XXXX- We sent you a replacement card as a precautionary measure because your current Wells Fargo Debit Card may be at risk for unauthorized transactions.
Consumer complaint received 2019-04-27
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: Rocket Mortgage, LLC (NJ)

During the government shutdown I was having financial difficulty. I received a letter from the FHA stating they expect lenders to work with consumers, including suspending reporting and removing late fees. I made 1 late mortgage payment in XXXX during this time. Quicken did not report the late payment until XXXX. At that time I reached out to Quicken and asked them to remove the late payment, suspend reporting as expected by the FHA. Their rep XXXX XXXX refused to remove the late and/or suspend reporting for that month because I did not reach out for financial assistance at the time. Quicken did not once send a memo and/or email detailing the help they offered. Quicken did not inform me that they would not follow the FHA memo if I did not call for assistance. I was under the impression they would because my credit reports for XXXX and XXXX did not reflect a late payment. Additionally I spoke to another rep at Quicken which told me in their internal system I do not show as having made a late payment. He directed me to email their helpdesk and ask the discrepancy to be fixed. I followed his instructions. I received an email from XXXX XXXX stating they would not remove the late reported to the CRB.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX Portfolio Recovery opened a debt collection of {$2100.00} from the original creditor XXXX XXXX XXXX XXXX XXXX. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.
Consumer complaint received 2024-03-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I discovered three unauthorized purchases on Bank of America credit cards, each for {$1000.00} and each from XXXX. The purchases occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed each of the charges. Bank of America rejected two of my three disputes, saying XXXX XXXX furnished gift cards to someone with my personal information. Bank of America is investigating my third dispute, but I expect the same resolution. Bank of America sent supplemental data saying the merchandise was sent to XXXX, IL in one case and XXXX, XXXX in the other. We don't live in either of those cities, never have shopped at XXXX XXXX and don't even have a XXXX XXXX in our community. We attempted to contact XXXX without success. We filed a fraud report with Idenitytheft.gov. An attorney told us it was fruitless to sue the big banks. We are victims of identity theft, but as victims, we will have to pay {$5000.00}.
Consumer complaint received 2023-07-27
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. (GA)

I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from XXXX XXXX, Transunion reported to XXXX XXXX that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and studentaid.gov. When I called Transunion to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until Transunion is showing accurate information. I do not have any delinquent student loans and I only have onXXXX servicer, XXXX, who has confirmed my information as in good standing.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC ()

Apparently this credit card company places a hold on the account for month. So after making a payment they place a hold on my card until the next billing cycle. Which makes me not be able to use said card. How is this even legal? Its like Im getting punished for making a payment to my account. But if I cancel it hits my credit score major.
Consumer complaint received 2023-07-27
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX, XXXX, PA XXXX To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION ACCOUNT - XXXX  ACCOUNT # XXXX With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that ( NEW JERSEY ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 
Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-06-07
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: BARCLAYS BANK DELAWARE (ME)

Please note I have closed my credit card XXXX XXXX XXXX MASTER CARD back on XX/XX/2020 by calling customer service then called again on XX/XX/2020 and also sent an online contact us feedback form to have it closed. There was an annual fee of {$99.00} charged on XX/XX/2020. You are given 60 days within the fee being accessed to close the card and have the fee refunded. When I called they confirmed account closure as well as fee of {$99.00} reimbursement. To this day i still havent received my refund as promissed and the amount got deducted feom my bank account. 

The comoany committed a fraud. 
Please help me resolve this issue with the XXXX XXXX XXXX Master Card. 

Thank you very much, XXXX XXXX XXXX. XXXX  XXXX XXXX, ME XXXX XXXX
Consumer complaint received 2019-04-26
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. ()

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XXXX and XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Consumer complaint received 2020-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

1 ) I have lived at the same address since I was XXXX years old ... over 55 years ... and have never used any other address. The address listed on my credit report of XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX, is totally fraudulent as no such address exists and I request that it be removed immediately. In fact, the U.S. Postal Service stopped using Rural Route addresses many years ago due to XX/XX/XXXX vehicles not being able to find the addresses. Therefore there are no longer any such addresses. 

2 ) The only employment I ever had was with the XXXX XXXX XXXX, where I retired as a XXXX, XXXX XXXX. 

3 ) The entry from XXXX XXXX XXXX was closed in good standing, in XX/XX/XXXX, almost 13 years ago, and it should have permanently been removed in XX/XX/XXXX. It WAS removed but is now back on my report. I am requesting that this entry be permanently removed immediately. 

I contacted Equifax by letter to dispute these entries on XX/XX/XXXX and my letter of dispute has been totally ignored.
Consumer complaint received 2019-04-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: GOLDMAN SACHS BANK USA (MI)

You did not offer an appropriate response, so I will explain. 

I went to open 2 new CD accounts at a bank I already had an online savings account. When I went to fund them, it insisted that I enter dollar amounts for all 3 accounts, but I didn't want to add money to my savings account, so I entered {$0.00}.

I found out days later that this actually created a 2nd Online Savings account, which I did not ask for and do not want. I also found out that instead of funding the 2 new CD accounts from my external bank, it funded 1 of them from my external account, but withdrew the other money from my online savings account, which again, I did not want. There was no warning that this would happen. I think their software is messed up and not properly tested.

You can not contact this bank electronically, which is a major problem, since I have a hard time doing this during business hours and do not have access to my data from my workplace.

I would suggest you ( CFPB ) add " Other '' to your choices.
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (TX)

Please acknowledge attachment that was MAILED AND UPLOADED TO EXPERIAN UPLOAD ON XXXX/XXXX/2022
Consumer complaint received 2019-04-27
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: General Motors Financial Company, Inc. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XXXX XXXX XXXX 2. XXXX 3. XXXX
Consumer complaint received 2022-09-12
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-27
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

On my credit file Macys has been reporting an account as charged off with a {$470.00} balance. When I called trying to fix my debt I was told my account was NO LONGER with Macys and was sold to collection agency. The agency was XXXX XXXX. Any payments would be owed to the collection agency NOT Macys. 

I received a letter in the mail from XXXX XXXX to resolve my debt so I called the agency spoke with a representative. XX/XX/2020 I made a payment and resolved my debt. I was told I was my balance was now {$0.00} and I am no longer responsible for my debt. The charge off would be removed once Macys is informed. I received my confirmation letter on XX/XX/2020 XX/XX/2020 I noticed that Macys updated my credit file reflecting a new amount owed as if I paid them instead of the collection agency. It continued to be listed as a charge off write off as bad debt instead removed