davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (AR)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 
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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS 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
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2024, a Bank of America XXXX thru ATM was used to deposit cash. The tap function was used to identify the debit card, a PIN number was entered, and the selection to deposit cash into a checking account was selected. Money was then inserted into the cash slot. The ATM accepted the cash. Some time in the transaction the ATM started spitting out money through the cash slot. It did not simply hand the money back in a normal fashion, instead it started spitting the money out and all over the ground. The car had to be pulled forward a motion needed to be made to the car behind to not pull forward. Money had to be collected off of the ground. After the money was gathered, the screen for the ATM read transaction canceled. The dollar amount that was to be deposited was {$4400.00}. The money I had on hand was {$1400.00}. There was a dollar amount of {$3100.00} that was unaccounted for. I believed the machine malfunctioned, but my money would be accounted for and added to my account. When I called customer service, they said there was no record I was at the ATM, but there was record of the machine spitting out money. I said impossible. How is there no record of my card when a PIN number was entered, and money was able to be inserted into the ATM. I said it must have malfunctioned, considering the ATM was spitting my money onto the ground. I have made a claim about this situation. The claims representative said it was investigated, and none of what I claimed happened. They should have video of all of this! I sent a detailed statement for them to go back and see that my claims were true. They just closed my claim again. Bank of America gives no information on anything, and everything that is said is vague. Even though there should be more than enough evidence to back up my claim. Not to mention another XXXX thru ATM malfunctioned even after this incident. I no longer feel safe depositing any of my money using their malfunctioning ATMs. I left a voice message for the resolution XXXX to call me back, and I have yet to get a phone call.
Consumer complaint received 2021-05-03
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. (CA)

As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX andXX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.
Consumer complaint received 2019-06-07
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. (TX)

What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX TX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-06-07
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. (TX)

What in the world is happening here that my concern was not attended by XXXX  and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 ( Original Creditor : 11 XXXX XXXX  ) XXXX**** , XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX****
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MN)

We were scammed by a very sophisticated company disguising themselves both as XXXX and American Express. They put fraudulent charges on my American Express credit card from XXXX XXXX through XX/XX/XXXX. We notified American Express on XXXX XXXX as soon as we realized there were fraudulent charges. AMEX opened an investigation and assured us not to worry, we shouldn't be liable for the charges. My wife called about once a week after that as the charges were not removed, and they told us it was being investigated, not to worry, it would take XXXX days to complete an investigation. 

Finally I received an email from American Express on XX/XX/XXXX that said we are liable for the charges. I called American Express, and they said that they could not remove the charges because I had given my credit card number to the scammers.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

2 family members received voicemails stating they were looking for me with as they had legal documents that needed to be signed. I received a call from caller Id showing phone # in XXXX XXXX court they told me a sheriff had gone to my house and no one opened the door. That I had to pick up legal documents. I asked what was this law suit about they gave me the person who was suing me ( XXXX ) XXXX to call them and they would tell me the case number. I called and they told me I owed $ XXXX for a credit card opened in XXXX. I advised I filed bankruptcy in XXXX. They said I still owed because I got married and my debt goes to my husband. Then I receive a call from Another number called back as no voicemail was left. Appeared to be the sherrifs department and they said they never called apparently this company used their phone # in the caller Id. Called back the same number again who was suing me and told them I need documentation and that I was going to report them. They stayed they had already served me and would see me in court. I have no forms mailed to me stating I have being sued for credit card opened 15 years ago. Also they are now harassing my family members. They asked me to pay half as a settlement and would give me 3 hours to pay.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (MA)

I have a personal savings account with American Express. I received an automated email mentioning about address change. I had not requested this address change. Upon calling the bank, they changed the address back but dismissed the urgency of this issue. I kept insisting on investigation with defined timeline and reporting to me but the bank refused to commit to this. It also turned out that the address that the bank changed to is of their wire department. This deliberate change of address suggests that the bank was trying to quietly take money away from my account. 

Following this issue, I spoke with the bank 's customer representatives twice. I requested to speak with supervisor but was not allowed to speak with supervisor. When I requested for call back by the supervisor, I was assured a call within 48 hours but that has not happened either. It is clear that the bank is trying to dismiss a serious issue of unauthorized bank changes. I also told the representative that I will complain to CFPB if there is no investigation with defined timeline and resolution but the bank was indifferent to this.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OK)

XXXX XXXXComenity Bank i only bought 2 thing worth over {$100.00} less than {$200.00}. now my bill is over {$400.00}! I have what i can with what i have and they just keep racking up interest
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

I settled out this debt and it is still reporting as I owe. I have disputed several times and requested them to update with NOTHING being done. 

THD/CBNA XXXX {$3800.00} balance
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.
Consumer complaint received 2022-04-26
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. (AL)

This letter is a formal complaint that XXXX are reporting inaccurate and incomplete credit information. 

Disputes filed : XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am distressed that XXXX have included the information below in my credit profile and that XXXX has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Consumer complaint received 2019-06-07
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. (TX)

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. 

Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years
Consumer complaint received 2020-09-14
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/XXXX. My XXXX XXXX XXXX Lease Expires. I leased a new XXXX XXXX XXXX. XXXX  changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. Nissan Motor Acceptance Corporation and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with Nissan Motor Acceptance Corporation, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by Covid-19. 

I have pleaded with Nissan to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. Nissan and XXXX  are extremely difficult to communicate. They w
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. CREDIT COLLECTION SERVIC XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Consumer complaint received 2019-06-07
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 (NY)

I have set up to pay automatically my credit card minimum payments. Despite choosing the minimum amount due for the auto pay, the credit card company tried to withdrawal my full balance which got returned. Now they closed down my account for returned payments! I have made aware a representative about my issue but they didn't want to reinstate. 
This must have been an issue with my app because I got the full amount in addition to the {$25.00} minimum payment due. 
Now this error is causing me to get a hit on my score! Please help resolve this.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

in the month of XX/XX/2023 a JPMCD credit card was opened up in my name without my permission or me knowing of this illegal transaction against me, i have no idea what the credit amount of the card was, this ended up on my credit report as a hard inquire it cause my credit score to drop even lower then it already was i reached out to the three credit bureau 's to have it deleted and it was removed, this has caused great hardship to me and my family.
Consumer complaint received 2021-02-04
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. (NC)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.