davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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. (AL)

Apparently someone with a similar name to mine filed bankruptcy in the XXXX XXXX XXXX Alabama, and it appeared on my credit report. Through the dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases.
Consumer complaint received 2019-02-06
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. (CO)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I purchased a refrigerator from Home Depot in XXXX, I got a delivery of the item on XXXX XXXX, 2020. It was a XXXX refrigerator with ice maker, it takes 6-8 hours for the ice to make, it was defective out of the box. I was told if anything isn't working to report within 48 hours. Which I did, I was promised it will be swapped with another product. After changing few delivery dates, I had the non-working refrigerator replaced with another. The second one came damaged, the freezer door would not open once you load with frozen items. It had something broken in the sliding wheels, I do not know. I was again promised the store will swap, this one took way much longer. The product was out of stock. Then Finally XXXX XXXX, I received my refrigerator, the 3rd one works, it came with a missing part on the door but the manufacturer has promised to ship it. 

With all this time Home Depot was very helpful with helping me out. Home Depot did what it could to help but the store credit card which is by Citi Bank is charging me interest and finance fees from XXXX. I have called many times and the customer service refused to reverse the additional finance and late fees posted on my credit card. I like them to remove it and I am happy to pay for the product I purchased, but, without the fees. 

Please help. 
Thank you in advance. 
XXXX
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX/XXXX XXXX XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$530.00} I pulled my credit in XX/XX/XXXX and i noticed accounts that were on my credit report that were not mines. I reached out to each credit card company as well as all 3 credit bureaus and reported i was a victim of identity thief. Each company request i fill out and fax back the affadavit form they mailed out to me which i did and also attched a copy of my FTC report as well. I also wrote dispute letters to them and the credit bureau asking for original proof with something with my signature on it. the credit card companies sent me a copy of monthly statements that i nevered recieved before.I also recieved a letter from XXXX saying that that account was open fraudulent and that it was gon na be removed then they changed their minds about it. The credit bureau hasnt sent me any proof with my original signature on it as well, but keep saying the account is varified. Ive been dealing with this issue since XX/XX/XXXX and i havent recieved any original documents or my signature saying these accounts are mines.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
Consumer complaint received 2023-01-09
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: CITIBANK, N.A. (NY)

I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned two of these shirts in XXXX. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were isued to XXXX. XXXX forwarded the credits to XXXX XXXX XXXX XXXX. The account number used by XXXX was one that had been replaced with a new credit card number due to a breach on the original credit card number. XXXX XXXXXXXX assured me that the credits sent to the old account number would have transferred to the new number. 

I have opened XXXXwo separate disputes on these payments with XXXX XXXX XXXX XXXXXXXX and both have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX did give the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to XXXX XXXXXXXX. I provider XXXX XXXX with the XXXX account statement showing the credits had been sent to them. I have not yet received the 2nd denial for {$30.00}. I can get it from their website but am soon to be 'timed out '. 

XXXX says the problem is with XXXX. XXXX says the problem is with XXXX
Consumer complaint received 2019-04-17
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. (VA)

on XX/XX/19 i had a XXXX credit score on my equifax credit report but all the sudden i go to pull my reports on XX/XX/19 on equifax i see some old fraudulent pops up on my report and drop my hard earn score down to a XXXX i been on the phone with equifax everyday just begging them and asking where are they is getting all this wrong info on thses accounts that are not mines its aginst the law to report old and fruad accounts on people accounts they even have my name wrong they have XXXX XXXX 1 thats not mines i sent in my copy of driver lic and ssn card they still give me the run around here are the accounts # # # 1 XXXX XXXX  COLSED it was off my account now back all the sudden # # 2 XXXX XXXX never ever heard of them but its on my credit report now CLOSED account # # # # 3 XXXX XXXX XXXX never heard of this account now it on my credit report i belive equifax is a total waist to try to dispute with them they give u the run around saying send all this personal info in and then once i do that they act like they never recive the docments its crazy i have a 1 year long fraud elart on my report i even have 50 hard inquires on my report and cfpb got that remove for me and thank u all for the hard work equifax is a bad company ripping people credit score down to where i will have poor credit the rest of my life i had a ggod score of XXXX but now its a XXXX because fruad accounts here is another one pop back up on my report # # # XXXX XXXX plz remove false fraud account equifax u all no better
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I received a text message asking if I had attempted an online XXXX transfer of {$3500.00}. Immediately after this I received a call from the Bank of America phone number by a person ( XXXX XXXX ) who told me that I order to get my money back I needed to do a XXXX transfer to myself for {$3500.00}. I followed his instructions and from the information on my checking account, the transfer to me was made. He then called me back later and said the transfer did not work so I needed to do the transfer again. I did not have sufficient funds in my checking account so the transfer was taken from savings for {$3500.00}. Again, the information on my savings account it looked like the transfer had been made to me. After I saw that my balance had been drawn down by {$7000.00}, I called BOA and was told that they had not called me even though the call was from their phone number. I filed a claim with them on XX/XX/XXXX and for the {$3500.00} that was stolen from my checking account, I got the funds back on XX/XX/2022. When I saw no action on the savings account I called again and BOA opened another claim on XX/XX/2022. I received a letter today dated XX/XX/2022 stating that my savings account would not be credited. I dont understand how this should be the case since the fraud occurred in two instances on the same date and Im the owner of both accounts. Why would I get the money back for the checking account XXXX fraud and not for the savings account? I called BOA again XX/XX/2022 but they said the 45 day waiting period was not up until Monday, XX/XX/2022 and they would send any documents used to make the decision to me.
Consumer complaint received 2020-06-06
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: Experian Information Solutions Inc. (CT)

Experian has Experian boost which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On Experian side Ive been very patient and asked numerous time to no avail. I want this fixed
Consumer complaint received 2019-04-17
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section ( 5 ) ( A ) of the FCRA- they are required to promptly delete all the information which can not b verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX XXXX : {$14000.00}
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (CT)

I received a letter in the mail from " Credit Collection Services '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " XXXX XXXX  ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : CCS Payment Processing Center XXXX  XXXX XXXX, MA XXXX This is clearly a scam.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : 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 2023-01-09
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. (TX)

I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.
Consumer complaint received 2019-04-17
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 started a process of debt consolidation with XXXX XXXX or XXXX 2019. They told me they would run a soft pull on my account since it was not a loan per se, they were just negotiating with my creditors to lower my principal. When I checked my credit report on Transunion on XXXX/XXXX/19 I discovered they had done a hard pull. Transunion said XXXX would have to dispute it to have the hard pull removed so contact them. XXXX said Transunion would have to send them a dispute in order for them to start the process of asking for the hard pull removal. Transunion said no, XXXX must dispute the hard pull and if they refuse my only recourse was to contact the proper authorities ( specifically the police ). XXXX said although it was supposed to be a soft pull, and the hard pull was indeed a mistake, they could not help me until Transunion disputed it with them.
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My complaint is about USAA Insurance Co. I have my renters insurance, XXXX  autos, and personal valuable insurance with USAA. My payment of {$300.00} is due each month on the XXXX. I mailed my XXXX payment on XX/XX/XXXX ; the check cleared my bank on XXXX, the same day they canceled my insurance. I called and asked why they canceled my insurance when it was only 19 days late ( 19 days from the due date till clearing the bank ; they received it before then ). I was told the company was following " regulations. '' I looked up the state of Texas regulations on insurance companies, and the state requires a 30 grace period be provided. After talking for over an hour, they reinstated my insurance. It is obvious that USAA is canceling policies as a threat or harassment to customers. I am XXXX  on XXXX  and a XXXX. I asked them to move my payment date, and they agreed but would charge a fee of {$71.00} to move the due date 15 days.
Consumer complaint received 2023-10-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX XXXX XXXX was charged for about $ XXXX some transactions I didnt made or authorize. I filed a claim and it was denied with no reason. I told the bank of america i was on XXXX XXXX at the tine those transactions where made but that wasnt enough to prove it wasn't me who did the transactions.
Consumer complaint received 2019-04-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SecurityNational Mortgage Company (TX)

Me and my wife ( XXXX & XXXX XXXX ) Have been working with XXXX for a few years getting corrected to get a loan. XXXX told us to mean times sitting down with XXXX XXXX and XXXX XXXX and XXXX XXXX we can get financing with him and don't go anywhere else. I did everything That he asked me to do. the loan would be under my wife 's name, she had at the time between 690 & 700 then he and the mortgage said her income is good and we qualify on Statement Loan. At closing, we told we qualify at {$840000.00} and we owed on the at the time {$710000.00} and give {$59000.00} and get into and installment agreement on the balance We then got a subordination letter we could cost with that. Weeks go by then I see new disclosures at {$770000.00} and he told me we had to come up with the {$59000.00} ( what the mortgage said ) XXXX help me get a subordination. then XXXX said we have to come up with the XXXX or get them to let you close with zero at closing and we can do the loan. I got XXXX XXXX and he did the subordination letter XXXX at to the IRS.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I checked my credit report and noticed a collection that is on the report. I contacted XXXX XXXX, the originator of this account and they told me to contact Transworld Systems, the collection agency. They have it in their records that an address in XXXX ( XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) used my name, home address, and social security number to get this service in the amount of {$1000.00} and its more in collection. I don't know anyone in XXXX and somehow they connected my actual home address to this account even though they used it for a XXXX address. I contacted XXXX and provided the police report that I had written at the police department.
Consumer complaint received 2019-04-17
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. (CO)

EquifaxisincorrectlyreportingmeasanAuthorizedUseronXXXXpartialaccountnumberXXXX.(Pleaseseepage7oftheattachedcreditreport.)IcalledXXXXXXXXandletthemknowthatIdidnotgivepermissiontobeaddedasanAuthorizedUsertothisaccount.TheyremovedmeasanAuthorizedUseronXXXXandXXXXhoweverEquifaxhasnotremovedthisfrommyreport.Ihavecontactedthebureautofixthisissue.Thisnegativereportingisharmingmycreditscore.
Consumer complaint received 2022-01-08
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 (GA)

I am the consumer, original creditor and natural person. Capital One violated my rights by closing my credit card account without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Capital One closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Capital One discriminated against me by closing my account.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CO)

I opened a business gold credit card through American Express in the name of our business, XXXX XXXX XXXX. My husband is the primary for the businesses and all our banking so I listed him as the primary cardholder. We hold everything separately - house, bank accounts ( except one ), utilities, etc. I then ordered another card for me under the same account. I handle the book keeping and purchasing for everything, whether it is in my name or not. One day, I couldn't use my card. I called and found out that they had frozen our account and the reason I was given was that it was because I use my card more than my husband does. That is true. I explained our arrangement. The man said that I should use my husband 's card for purchases, which seems odd to me. I reminded him that I have paid off our balance every month. He said the only way to prevent it from being canceled was to fax them a bunch of financial information - all the same things that we had sent in when applying for the cards. So I told him that we had sent all that and he said we had to do it again and they " might '' let us keep our cards. I didn't send it. I don't want to do business with someone who treats customers that way. Then, they started calling to see when we were going to pay off the last charge, but they wouldn't speak to me - even though my husband had told them to because I handle all that. But they would still call every day and then not speak to me. We didn't deserve what happened. I have closed other AmEx accounts we had. And the continuing harassment is ridiculous.