davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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: BARCLAYS BANK DELAWARE (CT)

Hello. When I applied for Barclays JetBlue Business Credit Card, points offer was XXXX sign-up bonus, ( XXXX bonus points after spending {$1000.00} within the first 90 days, and additional XXXX bonus points after spending a total of {$6000.00} on purchases within the first 12 months ). I have a screen shoot of my application that has date on it ( see attached ). I got first part of XXXX, but not the second one. I've called numerous times and opened up a case # XXXX to get 2nd XXXX point, but nothing has happened. It's been going back and forth with emails and promise of a phone call. Please help. Thank you.
Consumer complaint received 2021-11-25
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: Franklin Collection Service, Inc. (MI)

i have submitted multiple complaint letters to franklin collections & all credit companies that this is a error. they still have not brought my dispute a resolution. they failed to send me any response in regards to this issue
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd. (CA)

Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

XXXX Purpose : Please give me my {$370.00} dividend. 

My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX XXXX XXXX XXXX : Ending with XXXX
Consumer complaint received 2017-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I do not frequently use my savings account at Bank of America ; instead, I typically use my checking account for direct deposit and bill paying. 

I was on a student account with no minimum balance requirements in my savings account. At some point this account was switched to a savings account which required a minimum balance, but I was not informed of this change. 

I just discovered that I 've been charged $ XXXX for at least XXXX years ( my statements do n't go back further ) because of this. Bank of America refuses to refund my account for those fees despite me offering to increase the balance of my account to meet the minimum.
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (CA)

On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info. 

Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. 

has violated my rights. Or a 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 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Fidelity LP (TX)

Universal Fidelity has to yet to send the payment to the creditor XXXX. The payment was paid on XX/XX/2024 to Universal Fidelity they have yet to send the payment to XXXX who is the actual creditor.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

cfpb Consumer Financial Protection Bureau Capital One Attn : Disputes XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX : Capital One Venture Card This complaint centers on a {$10.00} cash advance fee along with {$0.00} interest charged as a result of using XXXX XXXX on XX/XX/2020. No where available to the consumer is any information disclosed that would give the consumer foreknowledge that using a company like XXXX XXXX will result in a Cash Advance Fee along with interest. I am seeking both an investigation and fines against Capital One and pecuniary damages payable to me for violating consumer protection laws which no doubt they have done to thousands of other card holders. 

Capital One was phoned on XX/XX/2020. XXXX ID XXXX customer service supervisor was questioned regarding this charge. Over one hour was spent discussing the right to make this charge as well as where it was disclosed in advance that such a charge would take place by using this type of merchant. Here is an excerpt from this phone conversation. 

Capital One Venture Card ending in XXXX See attached screen shots Interest charge cash advance fee Question : Where in your Rate and Fee Information or anywhere else on your website does it disclose that use of merchants of this type will result in a cash advance fee? 

XXXX XXXX : Its not there! 

Question : If it is nowhere to be found by the consumer what gives you the right to make a charge against my card without first disclosing the reason I will be charged? 

XXXX XXXX : We apologize but you could have called first. 

Rhetorical Question : What would make me think I should bother with a call when there is no information available anywhere in print, online or that was mailed giving me any reason to believe this transaction would not be treated like any other transaction? 

Here is how this is going to work. You can either reverse this charge along with the interest and make this go away like it never happen or I will file a formal complaint with the Consumer Financial Protection Bureau. Do you realize they have the authority to impose fines on companies that break consumer-protection laws? I can assure you that by the time I am done with this its going to cost Capital One a whole lot more that {$10.00}. So can we settle this amicably? 

XXXX XXXX : Sorry there is nothing we can do. 

Response : Really, well that may be true of you but its not true of me! 


A verbatim transcript of the entire conversation is available on request.
Consumer complaint received 2022-03-10
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. (NY)

The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXXXXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kelsting Group, Inc. (NV)

I lived in XXXX apartments in XXXX and they sent me to collections for a balance owed when I left. I settled the dispute within a few months and paid the sum of money we agreed on and I have the documentation proving so and that it is now a XXXX balance. Suddenly, new management pulled me up when I was inquiring, since I left on good terms with old management, to find a new place to live and decided I owe them all the money again and put it back in collections. they are trying to collect the money I paid and the part that was written off, which was mostly invalid, fraudulent charges and the other manager was fired over these acts, its in all the reviews. They are trying to come up with any story they can. They have no invoices and are just making stuff up, as they have nothing to refer to, no person to tell them, they are just creating a story and ignoring the invoice they have showing my {$700.00} payment and that the account was settled. They told me themselves that what I say is hearsay since the old manager is gone, well the same goes for them. They have just made up some XXXX story even though I was able to get the proof I needed. I have been treated horribly, it has caused other apts not to rent to me, I had to live in a motel for a month for over {$1100.00}, waste money on application fees, lose my place on a waiting list, and just the stress has been overwhelming.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
Consumer complaint received 2024-02-27
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. (TX)

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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2017-09-27
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. (TX)

I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.
Consumer complaint received 2017-09-27
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. (IL)

I have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - Equifax XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX XXXX I want XX/XX/XXXX removed from my report- XXXX  I want XXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- XXXX
Consumer complaint received 2022-03-10
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. (NY)

Experian continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Experian requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (NV)

I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

I asked for a bid from a company via email for transfer of a group of XXXX people, about XXXX miles from a city to the start of the trail. I received a bid via email for the transfer of {$590.00} each way. When I received the XXXX bill the charge was {$2000.00}. I disputed the bill with XXXX. When XXXX rejected my dispute I asked for a copy of the merchants reply to the dispute. The merchant had changed the price from {$590.00} to {$950.00} each way and added extra charges without ever informing that he had changed the prices and was going to add extra charges. There was no contract. When I tried to talk to him in person about a refund for return the trip which I canceled 7 days before we were to return to the city he told me he had a 30 day cancelation policy. At that point I did not know he had changed the fee and had added extra charges. ( I canceled the return trip ( ( XXXX phone calls, XXXX which went on to the company 's answer phone and XXXX to an employee of the company ) ) as the group 's air flights to the east coast were all canceled because the east coast airports were closed due to heavy snow and blizzards. ) I have tried to contact him to resolve the dispute via email, by registered signature required mail and by " sort box '' mail where I have a tracking number and time that the letter was placed in his PO box . He has refused to respond to me. 
I have disputed the fraud charges with XXXX 3 times. XXXX has supported the merchant and this fraudulent charges 3 times.
Consumer complaint received 2017-09-27
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. (GA)

I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.