davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
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. (CA)

XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

I notice on my Credit Report there is a 2 Companies reporting a charge off for a debt i did not use from their company. The company goes by the name Affrim Inc and also XXXX XXXX  XXXX it has been reporting this information for 6 months. I called the company several tines trying times explaining i do not owe them any debt explaining this has to be a mistake. They seem to be unsure of what going There is also quite a few addresses that are not correct on the report and inquiries inquires from XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2023-09-28
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. (IN)

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

I purchased a gift card on XX/XX/XXXX 2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, 2023, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (MD)

Although it has been addressed w/ the major credit bureaus on numerous occasions, American Express ( Amex ) continues to bias my credit report by refusing to add back the payment history it removed in retaliation for the complaints filed in XXXX and XXXX Quarter XXXX regarding disputed APR and add-on fees. 

These complaints include those filed w/ the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), the New York XXXX XXXX XXXX ( XXXX Complaint ID # XXXX ) and XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Complaint File # XXXX ). 

The attached XX/XX/XXXX and XX/XX/XXXX XXXX will clearly illustrate Amex 's retaliatory action.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

i noticed on XX/XX/XXXX a late payment on my credit report, when I contact XXXX XXXX XXXX customer service that I never got a bill or statement the representative confirmed with me that their it was a mistake in the system and the bills was sent to a wrong address - XXXX XXXX XXXX when in fact my address is XXXX XXXX I. and the representative fixed the mistake, since then my payments were all in time. The time of my call to XXXX XXXX XXXX was on XX/XX/XXXX. 
please check your notes on your system and you will see the record of my call conversation, I confirmed the above again on XX/XX/XXXX with representative # XXXX and she also saw the notes on the system. She advised me I should send in all this information to their credit department to investigate the issue and remove the late payment from XX/XX/XXXX since the bill was sent to wrong address. i send a letter to XXXX credit department on XX/XX/XXXX and XXXX didn't respond to my letter.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My account with chase is # XXXX i pay for legal services trying to save my home with company call solution foreclosure I send to this company two cashier check one for {$600.00} and another for {$1500.00} for some reason I found out the this company dont have a regular lawyer so I call the company to reverse this fees the company agrees to return my fees {$1900.00} from XXXX XXXX XXXX   check number XXXX check # XXXX the check ready clears from XXXX XXXX chase will not give to me my founds to hire my other lawyer I been evicted from my house and I need to stop the eviction chase is holding my founds my account with chase is # XXXX XXXX XXXX I want to get my money to fix my problem I dont ask for money free I been calling the person assign to my case XXXX XXXX XXXX XXXX case XXXX she dont return my call leave tree messages to her please help me to get my money back
Consumer complaint received 2019-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

High interest rates on my student loans through Navient. The interest rate is 12 % which is Usury, the act of lending money at an interest rate that is considered unreasonably high to the financial health of the loan repayer. My mother died when I was XXXX just three years before I started college. I was raised by a single father that had bad credit due to medical bills from my dead mother. My father lost his job in XXXX and has seen an income reduction. I have been unable to find reasonable employment. In XXXX I sued the University of XXXX for denying me a part time marketing position. They wanted me to have XXXX twitter followers which was illegal under michigan law. I won the lawsuit against XXXX of XXXX They did not care about my marketing degree from The University of XXXX which I pay navient and exorbitantly high interest rate on. I was told this degree would unlock my future, not lock up my future. My degree is worthless and Im underwater as the result of predatory lending practices by Navient and Sallie Mae. Im stuck in life with the burden of student loan debt. This is a systematic scam on the American people. How can you lend money without considering economic conditions in the labor market? How can you lend money to 1000 marketing degree majors when there are only going to be 100 marketing jobs in the market? Navients lending was negligent and only sought to make profits. They never cared about the borrower. See you in court Navient.
Consumer complaint received 2021-12-09
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Regarding reversed mortgage with PHH Mortgage - loan number XXXX I am a surviving spouse of my husband, XXXX XXXX XXXX, who passed away on XX/XX/XXXX. My husband had a reversed mortgage as of XXXX. I did not have the age to qualify, had to sign quit claim deed. ( am not on the deed now ). I was identified and qualified as the Non Borrowing Spouse by the previous mortgage co. XXXX Mortgage. All my information was uploaded to XXXX for final determination on XX/XX/XXXX. I called many times for an update, no red flags, everything was okay. Then mortgage was sold in the last couple of months to XXXX XXXX who sold it again to PHH Mortgage. PHH send me a letter that I do not qualify for the XXXX program, since loan is considered 'unassignable due to assignments of mortgage unable to be corrected. ' When I ask them about it, that I want to know what it means ( in writing ) and who made this determination, they say they can not discuss the loan with me, since I am not on the mortgage. At the same time they want to foreclose. I have been living in this house for 20 years, always could discuss loan with previous mortgage co. ( XXXXXXXX XXXX  ) pay property tax, renewed home owners insurance and flood insurance ( both with my name on it ) fulfilled all requirements to stay in the house but now they want me out, without discussing it. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I was scammed on the internet, the scam began in mid XXXX involving a lease agreement. the dates of the transactions are XXXX XXXX I used Capitol One to transfer money through XXXX ( I have the email address I sent the money through ) I transferred {$2100.00} to a person and soon after I realized I was being scammed. I called my bank immediately to try and stop the charge but it was too late so put in a claim, to which they denied because they claimed they " did their job '' by transferring the funds through XXXX. I filed a Police Report with the XXXX police department today, I can provide a report number if needed. I called my bank back to file a new claim today with the police report number, but the claims department told me they couldn't help me, no one in the department could because Capitol One and XXXX claim no responsibility for scams or having their customers backs. They offered me no other recourse except with the police. I asked to speak with a supervisor and they stated they would tell me the exact same thing. And XXXX would tell me a similar thing. I also put in a claim with the Federal Trade commission and received an email back with links to online shopping ( not helpful ) At this point this is my last ditch effort to get any or all of my money back I lost during this scam. So at this point my bank told me they can't help me, XXXX can't help me, and the other people that maybe can help is the police department. As a consumer, banking customer, credit card holder etc I am hoping that I can feel protected in some way regards to having been scammed and violated in this way.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My husband and I have been Capital One credit card holders for over 12 years. 

On XX/XX/XXXX, using our frequent flyer miles, ( a total of XXXX XXXX ) my husband booked a flight to attend an event in XXXX XXXX. 

Below is his itinerary : XXXX XXXX XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Refundable ( fees may apply ) Outbound Flight ; XXXX XXXX XXXX ( XXXX XXXX ) - ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : Return Flight ; XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : On XX/XX/XXXX, he got word that the event was cancelled to the COVID Delta Variant being widespread throughout Louisiana. 

On XX/XX/XXXX, I logged on to our Capital One account to cancel his flight and have the XXXX miles put back in our rewards account but I couldn't do this, so I called Capital One and spoke to a representative who told me that the flights are non-refundable. 

The only option we had, was that the miles could be put on " credit '', but only my husband could use them ( as they are non-transferrable ) but he would have to have his travel completed by XX/XX/XXXX. Due to medical reasons, my husband will not be able to use this credit by XX/XX/XXXX. 

I have spent over 9 hours between phone calls ( waiting on hold for hours before I even spoke to anyone ) and emailing. 

I called Captial One on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Emailed XX/XX/XXXX I also called XXXX XXXX on : XX/XX/XXXX Emailed XX/XX/XXXX This has been a very stressful and time consuming process and I find it to be totally unacceptable. We are in very good standing with Capital One and we can not believe that we can not put the miles back in our account. 

I appreciate anything you can do for us.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Consumer complaint received 2022-03-26
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. (OH)

I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. TransUnion has refused to remove this account from my credit report and XXXX as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If XXXX and TransUnion does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.
Consumer complaint received 2020-11-07
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. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

Received letter advising me that Pay Pal Credit had established account in my name for {$2600.00} pre paid credit - Experience established that account opened by Synchrony Bank on XXXX/XXXX/2021. Syonchrony admitted that their action was unauthorized and a directed all three major reporting agencies to remove account from their credit report.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

My account was previously with MB Financial Bank. I moved from XXXX to XXXX on XX/XX/XXXX. MB was bought out on XX/XX/XXXX. 

I did have an overdraft that i am willing to pay to resolve this issue -- when i called in mid-XXXX, i was quoted {$62.00} to clear the overdraft and close the account. I was assured nothing else would be charged to the account, and i did request the account be closed. 

I received a statement today showing a balance of - $ XXXX, but when i called Fifth Third in the morning, the agent stated the balance was at - $ XXXX. The agent reversed two overdraft fees, but refused to stop activity on the account and told me fees would continue until it was paid in full. ( Apparently XXXX XXXX keeps trying to take money out, but i am pretty sure i cancelled my membership. I am aware that i also need to contact them, but Fifth Third should be able to stop activity on the account. ) I was given a different phone number and transferred to a department that couldn't help me. 

I posted on social media with the hopes of corporate closing the account and setting the discrepancy with the overdraft amount. I spoke with that department, who refused to do anything for me. 

My concern is that i did not voluntarily sign up for a Fifth Third account -- it was a transfer from MB. I have no account number for the Fifth Third account, nor do i have an online banking login, a nearby branch, or any other way to monitor this account. I can't tell how many times my account has been charged, or for what. ( I do still have my MB account number and debit card. ) How am i supposed to reasonably know what fees are legitimate? I would like to settle the account in full, but do not believe I should be held responsible for charges after my first contact with Fifth Third, as i made it abundantly clear that no other charges were authorized to the account.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2019 XXXX XXXX XXXX sent me a payment of EUR XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX XXXX  was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX XXXX that they are unable to recover money from this account. My personal calls to Capital One Bank always ended up with advice to contact the sender.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  : Account number : XXXX, I was a victim of identity theft.