davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-03-18
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: The Aligned Company DBA Extra (CA)

I received an alert on my credit of an account registered on it. I did not recognize it and alerted the company of the card. They told me they are close the account but hasn't. In XX/XX/XXXX the account was open with EXTRA XXXX, I immediately told the company its not my account and I want it cleared of my credit. They told me they would. But as off XX/XX/XXXX the account is still on my credit and it has not closed. The company does not answer its phones and all calls goes to a voicemail. XXXX XXXX has ask me to file a complain to clear my name and get this account closed off my credit.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

XX/XX/2019, Best Buy informed me that the credit limit on the account was decreased from {$2500.00} to {$350.00} due to my inability to make payments on the account due to becoming unemployed which the company was informed of. A written letter claims it was due to my credit score dropping. Currently, if I do not make a payment the account will be charged late fees as well as potential over the limit fees. Until recently, within the last three months, the account was always current and payment was made on time for numerous months in a row never going over the limit. None of that effort was taken into consideration. I'm reasonable and understand that payments have to be made and that there are consequences but lowing a credit limit to the point of potential double fees in not reasonable.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by XXXX XXXX disregard of the law.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had fraud charges on my account and when I reached out to capital one they did an investigation and found I was telling the truth. The next step they wanted me to verify my identity which was extremely difficult how they have it set up. They would send me a text link that would never work, then email which I completed the task of sending my id but still I wasnt able to use my card. For 4 months this went on and I emailed my id to them, I faxed my id, I did everything I could but was being punished because there sites werent working. I have struggled with covid 19 and I received no help from this credit card company. They charged me interest plus late fees and I wasnt able to use my card. Why wouldnt they waive some of those fees because I had no idea about the charges in the first place. I couldnt log into my account due to phone number change and fraud but they expected me just to know they were still charging me? And now they wont let me use my account until I pay all the fees in full. This pandemic is still affect me and my family greatly and I received no help from capital one.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

XXXX XXXX is in charge of my private loans. I am back in school after a period of not being in school ( at which point I was paying a forbearance fee ). Therefore I am eligible for an in school deferment, my deferment will kick in as soon as my school, XXXX in XXXX, Maryland sends the deferment form to XXXX XXXX, however they wait a certain time period before the send it in ( perhaps to ensure the student stays in school over a certain time period? ). Anyways, XXXX XXXX is calling me 3-4 times a day even though I have told them this two or three times. They are also calling my mother three times a day, I consider this highly inappropriate and harassment at this point because we have always paid ( interest, forbearance, etc ).
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (PA)

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2022-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone purchased XXXX XXXX  with my information. The original fee was XXXX but after late fees it is now more. This was a Capital One credit card. I have contacted the credit card company and told them I havent had a Capital One card in so long. I explained to them it could be my card and someone used it without my permission or someone opened a card with my information. Capital one is not doing anything to resolve this issue and they dont care. I have contacted XXXX XXXX  to try to get any information from them regarding the purchaser. Im waiting on a response from them. I have also filed a police report.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (NY)

ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my Experian, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( XXXX ) XXXX ( Experian ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2019-08-07
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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/19 and XX/XX/19 I tried to purchase airfare on airline carrier that have bought in the past, three times on XXXX XXXX and once on XXXX. 

No reason, no one called to verify the charges, going online, were not alerts but under charges said merchant id amount and real time score.. 

On XX/XX/XXXX Spoke to XXXX, she refused to provide any info, she said that they blocked the charge for no reason, she was explained that we have in TDBank over quarter million dollars, and TD caused a loss of {$XXXX}, she said to escalate to her management and they will post {$XXXX} worth o bonus points to the account to offset the loss. 

Nothing happened, On XX/XX/19 XXXX Called the Georgia call center and was answered by XXXX , who she was rude, obnoxious and terrorizing, refused to provide any info about herself or her supervisor, she was demeaning and threatening to seize our money ... Refuse to make good, she was asked for her physical address to send a summons for the loss and she refused to provide, at the same time, she was informed that she will be tracked down and maybe called as a witness she transferred the call to XXXX , who she said that I can not bring a suit, she is a director of credit card services, and they are exempt from US law, as they are subsidiary of a XXXX Bank .
Consumer complaint received 2022-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WI)

I have filed numerous complaints against a financial institution. My complaints have been ignored. The financial institution refuses to take any responsibility for what has happened and still is happening to me. The financial institution states that they paid me the money back. They did not. They state that they did not send my banking information to another person in another state. Two people were arrested at the address on my financial papers holding the banking information the financial institution claims they did not send. My identity has been stolen to the degree I am unaware of any way to fix this. This happened because of the financial institution. The financial institution gets to just walk away. They are not being held accountable for anything that happened financially or personally to me. I get to live with this huge mess. 
I have found there is no law enforcement of any kind that helps someone in the situation I am in. At the beginning until someone was arrested this past XXXX. I have been treated like a criminal. I have been accused of lying, stealing my own money and making the entire story up. Until in XXXX EVERYTHING that was stated in my 2 plus years of police report. was documented and proven to be correct. 
However, the financial institution still claims they didn't do this. Still takes no responsibility, and still refuses to give me back my money. looks to me like they won. 
I on the other hand am living with this identity theft created by the financial institution. XXXX knows how many people they " didn't '' send my information too. 
I would like this printed, I would like everyone to know, if you are the victim of identity theft. There is no one that will help you. You will not get your money back. And you will be drug through the wringer on any investigation law enforcement can dig up or create on you. Criminals have more rights than the public does.
Consumer complaint received 2022-03-18
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: Maximus Federal Services, Inc. (NY)

ATTN : CFO XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/Aidvantage XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-03-18
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: AMERICAN EXPRESS COMPANY (PA)

I didn't receive the XXXX miles for the latest three billing period, and welcome bonus miles as well, since I have reached the spending requirement two months ago. 

I also contacted customer service via chat, they confirmed that the regular purchases earned miles and the miles from welcome bonus was pending. I should expect to see the miles on my XXXX account by XX/XX/2022. 

The welcome offer : 75,000 bonus miles after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 my mom sent me {$450.00} using PayPal. I easily linked a personal debit card to the PayPal but when I tried to transfer to my card, I got a notice saying my account was limited and they needed certain documents to verify my identity. I immediately sent over a picture of my license, my cell phone bill and bank statement. Next thing I know they have permanently limited my account and I have to wait 180 days to get my money. It was sent to me to help pay my rent. I just lost my husband of 29 years to XXXX XXXX weeks ago, taking care of him I drained my savings, XXXX, etc. That money was to keep a roof over my head, now I'm going to lose my home if I don't get it back. I've contacted PayPal many times as have my mom only to be told nope, too bad. The name on my PayPal is XXXX XXXX XXXX XXXX, is the email and phone for this account. 
I can be reached at XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding XXXX XXXX for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian has not conducted their own verification of this information as required when requested by me. I am requesting that they certify to me that this information has be verified by them and not these 4 companies.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

As you may be aware, the transfer of accounts from XXXX to Citizens Bank, XXXX XXXX, has been a chaotic nightmare. I was able to resolve most of my checking account problems by filing a complaint with the Off. of the Compt. of the Currency, which led to my dealing personally with someone in the Citizens Bank CEO 's Office.

1. The tens of thousands of other customers have not had this personal service and spent fruitless hours on the phone. They probably still are. Many institutions have been flooded with inquiries because of the need to file new routing and account numbers.

2. The hundreds of checks my wife and I purchased shortly before the merger was announced last year are now useless and we have told to destroy them. Citizens provided 25 " starter checks '' to replace them, hardly enough to last a few months, so we must buy new ones at our expense. 
3. Certain institutions ( e.g, my pension provider ) required that I file a new direct deposit form and have it notarized, at my expense. 
I
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (CA)

There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (CA)

There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,