davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-01
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: BARCLAYS BANK DELAWARE (SC)

I was victimized by a moving company who charged my XXXX from Barclay Bank for {$8200.00} which was never authorized by me or my wife. I timely reported this fraud/dispute. Barclay then granted my dispute, then denied it and lastly denied it claiming I had not timely filed it. The allegation that my claim was not timely filed is false. I filed over the phone within minutes of discovering the fraud and in writing within 60 days. I would like the charge to be put back on my account plus interest and any other relief. Barclay 's advertises that fraudulent charges will not be paid. Plus, I informed them not to pay it BEFORE, they actually paid it.
Consumer complaint received 2020-09-12
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. (NC)

On XX/XX/2020 I was notified via email that my TransUnion score decreased by 10 points. Listed under recent reasons for the change was a balance of {$55.00} on my credit card which has a credit limit of {$300.00}. That's 18 % utilization, 12 % lower than the recommended amount. When I called TransUnion the representative cited several reasons as to why my score could've changed. None of the reasons applied To my situation. I've had situations recently concerning the bureaus falsely decreasing my credit score. There is no legitimate reason to decrease my score. How is it legal to penalize someone with no cause?
Consumer complaint received 2021-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 

Thank you.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (DC)

CFPB personnel : I have reported CFPB and HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AS the three credit bureaus for pencil whipping fraudulent activity by the CFPB and the three credit bureaus, for NOT PROPERLY INVESTIGATING, UNDER SECTION 609 OF FCRA, FALSE AND ILLEGAL ITEMS FROM IDENTITY THEFT ON MY CREDIT REPORT. THE THREE BUREAUS, DESPITE ME SENDING THEM A LETTER WITH MY SIGNATURE AND FIVE PROOFS OF MY IDENTITY AND ADDRESS, AND DESPITE THIS ADDRESS BEING ON MY CREDIT REPORT, AND DESPITE MY LETTERS HAVING MY NAME AND SOCIAL SECURITY NUMBER ON THEM FROM THREE DIFFERNET GOVERNMENT AGENCIES, EQUIFAX XXXX AND XXXX REFUSE TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX XXXX XXXX FROM MY CREDIT REPORT. THESE ACCOUNTS ARE ALL FRAUDULANT, ILLEGAL, RE-AGED, AND INACCURATE AND BETTER XXXX BE REMOVED BECUASE IM SUING EQUIFAX XXXX AND XXXX FOR PAIN SUFFERING AND EMOTIONAL DISTRESS!! SEE ATTACHED FCRA SECTION 609 LETTER AND PROOF OF MY INDENTITY!! I CAN NOT AFFORD TO SEND THESE LETTERS CERTIFIED MAIL!! I I AM A XXXX PERSON AND XXXX  VETERAN AND THESE COMPANIES REFUSE TO PRODUCE AN ORGIGINAL CONTRACT WITH MY SIGNATURE, THIS DEBT IS NOT MINE AND IS NOT VALID. THE CFPB IS REFUSING TO INVETIGATE MY LAWFUL REQUEST TO REMOVE FRAUDULANT ITEMS ON MY CREDIT REPORT, AND THE BUREAUS ARE REFUSING TO PROVIDE SECTION 609 DATA AND INVESTIGATE AND REMOVE XXXX, XXXX AND XXXX XXXX GROUPS FRAUDULANT ITEMS ON MY CREDIT REPORTS. I HAVE IDENTIFIED MY SELF REPEATEDLY ACCURATELY IN WRITING AND THESE COMPANIES REFUSE TO REMOVE UNDER 609 THE ABOVE COMPANIES FRAUDULANT ACCOUNTS FROM MY CREDIT REPORT!! CFPB, GET YOUR STUFF TOGETHER!! A STATEMENT BY A COMPANY IS NOT REPEAT NOT A VALID ALLEGED DEBT VALIDATION UNDER ANY COURT OF LAW, AND CFPB IS ALLOWING FRAUD TO OCCUR UNDER FCRA IUNSTAEAD OF SUING THESE COMAPNIES WHOM REFUSE TO INVESTIGATE XXXX, XXXX XXXX, AND XXXX XXXX XXXX. CFPB, REPEAT, A STATEMENT FROM A COMPANY, XXXX XXXX XXXX IS NOT NOT A VALID REASON TO PLACE A FRUADULANT ITEM ON MY CRDDIT REPORT. IT IS NOT ADMISSABLE IN COURT, ONLY A VALID SIGNED CONTRACT WITH MY SIGNATURE WHICH THE BUREAS HAVE NOT PRODUCED! I HAVE REPORTED THESE CREDIT BUREAAS TO DC AND TEXAS AND CALIFORNIA AND GEORGIA ATTORNEY GENERALS AND I WILL SUE THEM IF THESE FRAUDUALNT ACCOUNTS ARE NOT REMOVED. CFPB : THESE COMPANIES ARE LYING TO CFPB AND STATING THIS IS NOT A VALID CREDIT DISPUTE EVEN THOUGH IVE PRODUCED 5 PROOFS OF MY IDENTITY THROUGH CFPB INCLUDING MY DC ID CARD WITH AN OLDER ADDRESS AND PROOF ON GOVERNMENT LETTERHEAD OF MY NEW ADDRESS, WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX, WASHINGTON DC XXXX!! I HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AND CFPB DIRECTOR WILL BE HEARING FROM CONGRESSWOMAN XXXX OFFICE IN THIS MATTER!! 
CFPB, YOU CAN NOT ALLOW THIS TO CONTINUE LEGALLY, THESE COMPANIES ARE XXXX THIS VETERANS LIFE AND CAUSING HIM HEALTH PROBLEMS!
Consumer complaint received 2020-07-24
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. (PA)

I am filing a complaint against citicard credit card Mastercard XXXX XXXX XXXX name on card. 
On XX/XX/XXXX my credit card was denied. I went online to my account and saw faudulent charges to XXXX  XXXX XXXX XXXX On XX/XX/XXXX two a charge for XXXX and a charge for XXXX On XX/XX/XXXX separate charges XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Fraudulent charges totaled 14, XXXX I immediately reported this activity to citicard, account was closed and I was told I would not be responsible for fraudulent activity. I NEVER recieved even 1 alert about these highly suspicious charges. I never use my credit card for any purchases like this. In addition citi card allowed my account to go XXXX over my limit. This was again a big red flag. Only when I called them on XX/XX/XXXX did they realize the fraudulent activity. On all my credit cards I get alerts for much less suspicious activity. My son is an authorized user on this card and was about to close on a mortgage. When this showed up on his credit the mortgage company said it affected his credit rating. I am the primary on the card, took him off the card but it caused his credit rating to go below the accepted level for the mortgage. He is still hoping to close. 
I contacted XXXX XXXX the security supervisor at Citicard on XX/XX/2020 only to find out that the investigation had not even started and could take 90 days before they remove the charges. I need to get my credit repaired asap. 
Citicard failed to id these fraudulent acitivities and now I am still waiting over 1 month later for the charges to be removed from my charge. XXXX said it could take 45 days for the merchant to give an explanation. THis makes no sense. Their negligence is causing my son to possibly lose his loan. XXXX XXXX can be reached at XXXX My credit score dropped significantly. I need these charges removed so I can contact the credit bureau. I also sent a letter to Citicard XXXXXXXX XXXX XXXXXXXX XXXX XXXX S. Dakota XXXX as advised by XXXX XXXX, the security supervisor. 
I am attaching a copy of this letter. I have not heard back and it has been over 2 weeks. Thank you for your help
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (VA)

I received notification from XXXX XXXX XXXX that a new account had been opened in XX/XX/2019. I went to to XXXX and pulled my free credit report. 
There was a new account added by XXXX XXXX for a XXXX  account with a credit limit of XXXX of which XXXX was used. 

I disputed it with XXXX but also called the company today. They said they would look into it and that could not discuss anything with me because none of my account info matched my name address etc. only my social security number. 

I asked where i could send proof that that social belongs with my name and address and was given a po box to send this to but not a department to attn the package to or even if it would do anything. 

I am buying a house in the next month and i do not need the hard inquiries and high credit usage to impact my loan. PLEASE HELP!!!!!
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

XXXX payment to Cardinal mortgage made XX/XX/XXXX as my usual payment schedule of {$1200.00}. I received a late notice and Called on XXXX It was recommended that I call my bank. Once I confirmed payment not received. I called mortgage co on Sat leaving voicemessage on issue and asked for help. I called Monday XX/XX/XXXX, and working with the Cardinal rep made not only XXXX, but XXXX to show goodfaith. Im not a late payer- and once my payment history was reviewed she took payment and waived late fee. We confirmed all info- I got another past due for XXXX and XXXX called again and was told payment was rejected- account not found. I use the same bank and 2 accts every month- easily tracked. I called XXXX long conversation about how payment was made- I was told my previous rep should have told me to make 2 seperate payments- not 1 lump sum. I was directed to make 2 equal payments in 2 transactions. I did- I got another confirmation and thought all was well. ITS NOT A LACK OF FUNDS.- I thought it was done. End of XXXX I received a default letter- I called again and was told, inspite of my confirmations- the payment didnt process- account not found again- the system took the payments 2x? 
New instructions from Cardinal- they payment didnt go through because my XXXX payment had increased, so nothing was credited? - I was urged to make 2 payments with another rep asap... I thought I was told I couldnt make 2 payments at once? Not knowing what to do. I hung up and MADE 1 PAYMENT AT A TIME ON XXXX REPAID XXXX XXXX REPAID XXXX- I MAILED THE XXXX PAYMENT ON XXXX I was too afraid to attempt online again. I got multiple explainations from XXXX XXXX who said they research and found different issues- NOW BECAUSE OF THE MAIL SERVICE CENTER BACKUP IN XXXX  XXXX THE PAYMENT HAD NOT BEEN RECEIVED BY XX/XX/XXXX. I have setup an alaert with the bank- so when the check is processed. I will update this complaint.I NEVER RECEIVED AN ANSWER AS TO WHAT HAPPENED, NOR DID I RECEIVED A RETURN CALL FROM MANAGEMENT, NOT DID I RECEIVE A REPLY FROM THE 4 ONLINE REQUESTS FOR ASSISTANCE MADE USING THEIR CONSUMER EMAIL. 
I also mailed a complaint directly to Cardinal using XXXX Mail. That is how serious this misunderstanding is to our family.My credit rating has dropped more than a bit, since Cardinal reported me more than a month late. Pls help me get restore.I never would pay the biggest credit account late without using help tools make avail. IT WAS NOT THE MONEY-As a consumer I understand the importance of this contract and my timely payments over the last 3 1/2 years has increased my numbers significantly. I can not allow this to go unchallened.
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

Due to a previous issues that occurred with XXXX fraudulently debiting my XXXX XXXX XXXX count multiple times creating a cascading problem with other creditors.. 

Ultimately, XXXX XXXX XXXX absorbed these charges, fines, fees ... etc, however this matter with XXXX XXXX and XXXX XXXX XXXX  have been left without resolution. I'm asking that this matter be rectified with the same resolution earlier applied.. 

XXXX XXXX transgressions should be settled with XXXX, as was previously done and left out of this agreement with previous complaint.
Consumer complaint received 2022-05-01
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. (TX)

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, Experian & XXXX ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Consumer complaint received 2021-09-16
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 (GA)

I do not generally pay intereset when I get a credit card. I typically pay it off in full when I recieve the bill. I asked to go paperless on my Capital One account because like everyone else, I want to save the planet. I rarely use this card so when I did not receive a bill for the first couple of months I was not alarmed. I really got it as an emergency backup card. When I finally did use the card I never got a statement. From the period of XXXX XXXX to XXXX XXXX I was charged interest on an amount that I NEVER recieved a statement for. This interest totaled {$530.00}. I only noticed that this was happening because they also negatively affected my credit score. My bankcard, in which I pay everything with, was hacked and I had to change all my bills over. I used all my statements to make sure I did this but was unable to do it with this credit card because as I said earlier, I never recieved a statement. When I contacted Capital One around XX/XX/XXXX they notified me that there was a technical problem on there end and that sometimes statements do not go thru with XXXX email adresses. There was not a problem with my email adress and the statements did not got to spam, they just did not go thru. I spoke with a manager there with employee # XXXX. She notified me after I got off the phone with there technology department that I would have to make a payment before any dispute could be made and to call back in a couple of days when the payment is processed. I called back once and their system was down apparently. I was finally able to talk with another manager, id # XXXX, on XX/XX/XXXX. He informed me because of the terms of agreement that he would not be able to take away the interest charges. I informed him that on those same terms of aggreement it states that I will get a notification of any statement balance. He agreed that I should have gotten a statement and that it is hard to pay a bill or balance that you are unaware of. He also stated that he understands my frustration with the {$530.00} but says he is unable to reimburse me for the interest charges because of the terms and conditions of the account.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am currently in school, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.
Consumer complaint received 2022-11-19
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2022-09-15
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: EQUIFAX, INC. (TX)

Equifax as a financial institution did not exercise their grave responsibility according to 15USC1681 ( a ) ( 2 ). Equifax was unfair, partial and they dis not respect my right to privacy. They have given my personal private information to multiple companies without my consent to do so. They are acting on my behalf and do not have my consent, which is a form of identity theft. 
I personal information was stolen and involved in their data breach in 2019. 
Due to Equifax 's fraudulent behavior my consumer credit report has been gravely affected. I have been discriminated against, denied credit and slandered.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

Last year I had to move. I didnt have the money to move so I went to the title loan company. I got {$1500.00} from them. I ran into issues and was having problems paying so I had to refinance. Which of course they screwed me over even more. They told me on a {$1500.00} loan that it would cost {$6000.00} to pay them back. Fast forward to now. They repossessed my only vehicle Saturday XX/XX/2019. Without warning. I also havent recieved a phone call from them in over a month. Nor have a I revived a call about them wanting to repossess my vehicle. The vehicle is my only mode of transportation. It has all of my tools and work material in it. They are refusing to tell me where the truck is so I can get all of my tools. And they are refusing to work with me. Saying they need a minimum of {$1200.00} up front just to release the truck. I have worked less than 40 hours this year and have no way to pay that kind of money. I cant even pay rent this month let alone pay {$1200.00} to a company that is in it to XXXX people over. I need my vehicle back as soon as possible so I can start to pay them back. I cant pay them back without the vehicle because I can not get to work.
Consumer complaint received 2021-02-27
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. (GA)

There are three accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. XXXX XXXX, Equifax. XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.
Consumer complaint received 2022-11-19
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. (GA)

The unverified accounts listed below are continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXXN XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.