davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My issue is regarding Capital One I received a check for my taxes of XXXX dollars and XXXX cents and XXXX XXXX decided to close my account and put my check on hold for 10 days. This caused my Capital One payments to be returned and my account is now closed. I spoke to Capital One multiple times and they gave me the same explanation and I spoke to XXXX XXXX and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account opened. This was my first ever credit card account and its made me so upset that Ive been feeling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my mind. This has affected me deeply because i always payed on time and never had issues or gave Capital One issued. This has affected me deeply mentally and emotionally and specially financially.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I CONTACTED SUNRISE CREDIT SERVICES BY PHONE AT ( XXXX ) XXXX ON XX/XX/XXXX AND MADE A PAYMENT BY PHONE WITH A REPRESENTATIVE BUT BEFORE MAKING THE PAYMENT THE REPRESENTATIVE TOLD ME THAT THIS ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE I PAID THE ACCOUNT. SO I PAID THE ACCOUNT TO XXXX BALANCE AND REPRESENTATIVE PROVIDED ME THE CONFIRMATION # XXXX ITS BEEN 1 YEAR AND THE ACCOUNT IS STILL REFLECTING ON MY CREDIT REPORT. I DISPUTED THIS ACCOUNT WITH XXXX BY FAX ON XX/XX/XXXX EXPLANING THAT I PAID THE ACCOUNT AND SUNRISE CREDIT AGREED TO HAVE THE ACCOUNT DELETED OFF MY CREDIT REPORT AND THE RESULTS CAME BACK THAT SUNRISE CREDIT VERIFIED THE ACCOUNT AND SHOULD REMAIN ON MY CREDIT REPORT. I AM REQUESING FOR YOU TO HAVE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS I HAVE ALREADY PAID OFF THE ACCOUNT AND THE AGREEMENT WAS THE ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE PAID sunrise account # XXXX
Consumer complaint received 2022-07-22
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be corrected promptly. 
XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$520.00}
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: STERLING JEWELERS, INC. (NY)

My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXX STORE # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately
Consumer complaint received 2022-12-15
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. (CA)

Account # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Hello, I would like to submit an official complaint against XXXX XXXX XXXX . 



I have been a victim of fraudulent activity as Wise did not put in the right controls to verify fraudulent activities to prevent fraudulent transactions from occurring. I request that Wise reimburse my money ASAP as this is unacceptable as financial institution that should be doing proper know your customer checks. 



I made a purchase for a handbag for USD {$4700.00} on XXXX XX/XX/2022 and paid this amount to a fake account that was set up on Wise. I was provided these details by the sellers wife who told me this was her husband. The Wise account details the seller gave me is as follows : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX I then proceeded to make a transfer to this account as the above details were verified and approved by Wise as a legitimate account so I did not see any issues with the transaction. It is XXXX  policy that a form of identity MUST be attached to the persons account for security and verification purposes and knowing this information, it gave me confidence that I was moving forward with a legitimate transaction to a legitimate source. 

On XXXX XXXX I discovered that this was a fake account created by a fake person that I had sent money to. This was verified by the real wife who advised me that her husband IS NOT called XXXX XXXX and that her REAL HUSBANDS name is XXXX XXXX who DOES NOT have a Wise account. I raised a case via their website with Wise on XXXX XX/XX/2022 and also called to raise a case on XXXX XXXX but have not received any updates on my case.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (NY)

I have been called by this " Northstar Location Services '' company, stating I owe money. 

They do not mention to whom or how much debt I owe. I get phone calls from them almost every single day, for a few weeks now. 

hey always leave a voicemail, but tell me just that I owe money and identify only that they are " Northstar Location Services '' They call repeatedly and do so during my work day, disrupting my XXXX and causing workday issues. I feel like this is harassment at this point because they just keep calling, even though I send it to voicemail and/or do not answer since it is workday hours. 

I have been phone as early at XXXX by them.
Consumer complaint received 2022-12-15
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. (TN)

Re : Inquires on my Equifax I have reached out to all creditors and Equifax to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order.

Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

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 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 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 Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : XXXX Inquiries on my credit report I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment
Consumer complaint received 2016-08-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I came to this country all by myself years ago, because I really wanted to get an education. XXXX College was one of the few colleges that would accept me without a XXXX. 

They lied to me in so many ways, they told me I would be able to transfer my credits to any accredited college ( I knew I did n't want to stay in AZ ), quoted me a much lower tuition ( than what it ended up costing me ), promised to help find me a good job after graduation. 

I was working full time, and part time on weekends, plus going full time to college. 
And still I graduated as the XXXX of my class, such was my drive. Imagine my disappointment when all the jobs I was looking at started at {$7.00} and hour and even lower, some of these were recommended from the college to me. I could not survive on that and had to work in another field. Then when I tried to go back to school to further myself, I found out that my credits would not transfer, I was VERY disappointed and it really ended my dream of getting a master or more. I simply can not afford to take on more student loans. What added so much more stress to my life was that I had a co-signor and I was promised at the time I signed for the loans that if I pay 24 consecutive payments my co-signor would be removed, that never happened, I tried everything even paid an entire year ahead in full, still they would not remove her. This has put so much XXXX on my friend and our relationship. This school was a fraud from beginning to end.
Consumer complaint received 2023-03-21
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)

XXXX XXXX XXXX ( XXXXXX/XX/XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with Experian three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-12-15
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I had an account with XXXX, which XXXX XXXX XXXX took over. I paid XXXX XXXX XXXX XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.
Consumer complaint received 2022-12-15
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. (NY)

I sent a Letter on XXXX XX/XX/22, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No Financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-12-15
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. (DC)

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello. I've recently reviewed my credit report as I'm trying to reposition myself to purchase a XXXX property. While reviewing my report, I noticed that there a several hard inquiries that I didn't make. I'd like for these to be removed from my credit report please. 

Under XXXX, listed as .... 
CAPITAL ONE BANK USA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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. (MD)

XXXX  is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX and XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and XXXX  is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

On XX/XX/2019 I submitted a complaint via mail regarding inaccurate information on my consumer report. I had also submitted information via online on XX/XX/2019 I submitted a dispute with documentation. There is a judgment on my consumer report that does not match my name it is similar however it is not me. I also have a bankruptcy that is due to identity theft I submitted the FTC report, letter from the bankruptcy court advising that the information is inaccurate. Lexis Nexis states that they have verified the information but from where and with what documents. I have documentation to dispute their claims of validation.
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been with Bank of America for 27 years. Now the bank and the unfair fees continue to take my money and put my balances in the red. They take my money and I have to replace the money in order to pay my bills or else I will be charged an overdraft fee of {$35.00} after the bank took my money. I am charged overdraft protection fees of {$81.00} on XX/XX/XXXX and again {$81.00} from another account. Teller witdrawal fee of {$10.00} on XX/XX/XXXX and non teller fees of {$10.00} and then a maintenance feeof {$12.00} and another non teller fee of {$5.00} the bank is taking my money and putting me in the red so I have to replace the money they put into their pockets. There 's no reason or consistancy. I am on a fixed income I do n't have the extra money to replace.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I continue to be greatly disappointed when it comes to Equifax reporting errors, I pulled my Equifax file today after noticing a 27 point drop in my credit score as I reviewed my report I noticed Equifax is reporting several accounts showing no credit limit and a high credit much higher then I have used it appears they are reporting my credit limit in the high credit field and reporting nothing in the credit limit field as a result my unlizatuin and score are stuffing greatly Im in the mortgage approval process and this is causing me great PAIN, the accounts with this reporting error are listed below 1 ) XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX 2 ) XXXX XXXX XXXX account 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account XXXX 5 ) XXXX XXXX XXXX account XXXX 6 ) XXXX XXXX XXXX XXXX account # XXXX This is a total of 6 accounts being reported in error the credit limits and high credit needs to be fixed ASAP I will no longer continue to do this my attorney will be the next and final step
Consumer complaint received 2019-07-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Hello, My wife and I just paid off our XXXX mortgage, we were never late or have any negative information on our credit, after we paid off XXXX loan in full and it was in good standing, XXXX closed the account with zero balance, my question is why did my wife and I credit score go down between 24-36 points. I thought that when you pay off the loan and you are in good standing your score should go up not down less debt. 
Can someone please explain to me why this is happening, reached out to XXXX they said they reported it correctly, I also reached out to Equifax they said they can't do anything. Where is the justice here for people who are hard working and pay off the debt they owe with never being late. 

Thank you, XXXX XXXX