davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (GA)

Credit karma has been reporting false information as well as false pre-approvals! I am aware of the settlement and I am eligible. 

They have caused me distress, and causing my credit score to decrease while believing them.
Consumer complaint received 2024-03-16
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I became a victim of debit card theft on XX/XX/2024. Withdrawals were made to my account in XXXX, CA without my knowledge. Specifically, there was a withdraw of {$100.00} and XXXX withdraws for {$300.00}. As soon as I discovered these charges, I contacted American Express Serve Card to report the incident. They reassured me that they would conduct an investigation, which could take up to 45 days. On XX/XX/2024, before the theft occurred, my last transaction was at XXXX in XXXX, CA, where I spent a total of {$61.00}. It's worth mentioning that I live in XXXX, CA, which is approximately XXXX miles away from XXXX. However, I don't believe that American Express properly conducted their investigation. ATMs have cameras, so it would have been easy for them to verify my claim.
Consumer complaint received 2022-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On the night between XX/XX/XXXX and XX/XX/2022, a car I had been borrowing from a relative was stolen out of the garage of the house where I had been staying, about a mile from my listed address. In the car was my wallet, with my Bank of America credit card and other cards. Upon discovery of the theft, I immediately called the relevant Bank of America hotline to cancel the card and initiate a claim dispute on two charges totaling {$64.00} and {$5.00} at an XXXX gas station in XXXX, Ohio. 

On XX/XX/2022 I noticed that the charges remained. I called again and was told no dispute had been entered and there was no record of me initiating one, and so attempted to initiate the dispute again. This time, the claim was indeed submitted. 

On XX/XX/2022, by accessing my account online, I happened to notice that my claim was denied. No reason is given in the message center. I received no notification, and no physical mail or email informing me in writing of the denied claim, nor did I receive any information on an appeals process. Bank of America has my email on record, and i regularly receive marketing emails from it. 

Because of my earlier experience with BoA over the phone, I did not feel that there was a point in calling for information. Instead, I visited a Bank of America office on XX/XX/2022, where a representative informed me that the claim was denied because the thieves entered my correct zip code into a gas station card-reader, information that would have been readily available to them given where the car was taken from and documents that were in the car. 

The representative said a letter was sent to my home on XX/XX/XXXX that might have information about how to appeal, but no such letter on my claim had been received as of the morning of XX/XX/XXXX, which is when the 10-day appeal window would close. There is no information listed online regarding how to appeal a denied claim, but I did send a note explaining my desire to initiate an appeal to a customer service email address I happened to find after doing a XXXX search.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ascendium Education Group (MD)

My student loans where included in my XXXX  XXXX bankruptcy in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (WA)

I used this prepaid card for incidentals when I stayed at XXXX XXXX. They HELD {$110.00} and the hold was lifted on XX/XX/XXXX. To date my money still has not been returned. When I called Vanilla Gift Cards they said it won't be released until XX/XX/XXXX. Their policy states 7-10 days. They had no reason when I asked why it hasn't it been released. They attempted to blame the merchant, when I called XXXX XXXX confirmed the money was released on XX/XX/XXXX at XXXX. I am requesting my money to IMMEDIATELY get put back on my card. Furthermore, the charge from the hotel was {$100.00}, but vanilla charged {$110.00}.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In 2017, XXXX XXXX XXXX  falsely reported that I missed a payment and at the same time closed one of my accounts without any notice causing my credit score to drop.

As result, I called and had the account closed and XXXX XXXX XXXX said that they would correct it with TransUnion. On an unrelated matter, XXXX XXXX alerted me that there was a negative item on my TransUnion report and it was from XXXX XXXX XXXX. I called TransUnion, XXXX XXXX XXXX XXXX response was to send me a text stating that my account was still open and that I owed them {$28.00}. 


When I called XXXX XXXX XXXX, they claimed that they were unable to help me.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (LA)

XXXX XXXX and XXXX XXXX are the branch manager and assistant branch manager of the Navy Federal Credit Union on XXXX XXXX. They are XXXX XXXX and XXXX XXXX XXXX. They have defrauded my account of tens of thousands of dollars in excessive authorizations since the accounts inception. They have precluded me from being able to contact the NFCU in any way shape or form other than by email. I am requesting that the FBI investigate them for money laundering, racketeering, drug trafficking and arrest them and discharge them from NFCU employment permanently as they are both XXXX XXXX.
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: Riverwalk Financial Corporation (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2021-11-28
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-09-16
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MECHANICS BANK (CA)

I am submitting this complaint because I am being extremely affected by MECHANICS BANK FKA CRB. 

I had called mechanics bank payoff a full 2 years before loan ending date. 
I got a payoff and paid it off, but supposedly there as a remaining balance I was not made aware of this. I dont receive any calls, and dont received any explanation.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account Name : MECHANICS BANK FKA CRB Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/2014 Status Paid, Closed. 

My demand is based on many damages and all the violations that they have committed : I want the deletion of late payment or removal of account ASAP. 

Please sed the attached documentation to this company. 

Thank you.
Consumer complaint received 2022-09-16
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: CBC Companies, Inc. (AZ)

Fraudulent inquires by the following companies without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-28
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)

On or about XX/XX/XXXX, I submitted a dispute with creditor XXXX XXXX through a credit agency. Notwithstanding the underlying dispute, XXXX XXXX disagreed with the dispute and instead alerted Experian that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, Experian updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and XXXX XXXX illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. Experian states they report exactly what the creditor told them to report and have no duty to check the information. As I informed Experian, they have the credit report of the last five years and can see when the charge off occurred, without much research. Experian has put in another dispute with XXXX XXXX to see how they respond. This is not sufficient, as XXXX XXXX continues to violate laws in error reporting to the credit bureaus.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one reports that my account is past due ( 30/60 days late ) but I paid my account in full and they told me before I submitted the payment that Im paid in full and that they wont report anything negative on my credit. The representative lied to me over the phone and they refuse to give me the recorded call. It is against federal law to report inaccurately.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I submitted a complaint with CFPB against Experian. My complaint is that Experian is reporting a bankruptcy case number XXXX on my credit report. I submitted documentation to them showing them that I had submitted several requests to getting said bankruptcy removed. One of the letters was a letter from Experian ( report number XXXX ) stating that they verified the BK through XXXX XXXX. The second letter was a letter from XXXX XXXX stating that said BK was reported in error and removed from my profile ( XXXX XXXX Report ). And the third letter I submitted was a letter from US BKPT CT IL XXXX Northern Dist - XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, IL XXXX stating that they do not perform any activities with credit bureaus. I am attaching all of this documents to this complaint again. 

My question is how can Experian tell me that they verified a bankruptcy with XXXX XXXX, then tell me after I submitted my complaint that the BK was verified by the US BKPT CT? There is documentation on file that contradicts what Experian is telling me. Who did Experian speak to or what documentation do they have to verify this BK to stay on my file? 

My first complaint that can be used as a reference is CFPB # XXXX. Experian 's response/report number is XXXX. 

This will be my second complaint with CFPB about the same issue and Experian is totally disregarding the facts.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2021 I was made aware that checks that I wrote from my XXXX XXXX  account on behalf of my non-profit organization, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to Farmers Market vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by Navy Federal Credit Union as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service Washington Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and XXXX keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before Navy Federal Credit Union will reimburse XXXX, and then XXXX would reimburse me. I have told XXXX that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 's XXXX  - {$92.00} - XXXXXXXX XXXX XXXX XXXX  - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. But Navy Federal Credit Union is telling XXXX I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. XXXX believes that NFCU is asking for " unreasonable evidence '', which means they want an image of the check before it was altered. Why would I have that? Do people regularly take pictures of checks before they put them in the mail? I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where Navy Federal Credit Union does not want to pay for the fraudulent account that they held for XXXX XXXX XXXX XXXX ). I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX XXXX XXXX XXXX is not employed by the XXXX XXXX XXXX.
Consumer complaint received 2020-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account. 
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

My wife and I needed funds to pay for a medical procedure for our daughter in early XXXX. The doctors office supplied a brochure for a credit card Care Credit by Syncrony Bank to pay for the procedure. The promotional material represented an interest free credit line if the balance is paid within the terms of the loan. The advertisement showed a grid in the brochure with several examples of zero percent loan payments, all with two and three year terms. When we received the credit we assumed we set up a auto payment to pay  the loan off in two years and I was sure to pay several dollars more then the minimum payment. In my mind this would be extra security to be sure the line was paid with time to spare. 

To our dismay, at one year in XXXX we were hit with, over {$1100.00} interest fee, as the term of our credit was, unbeknownst to us, set at one year. According to Syncrony, at the time we recieved approval for the line of credit/credit card, an additional email was sent directing us to check the terms of the credit loan. Since we set up payments and saw no indication that there was a term limit of one year we did not monitor monthly statements. My wife and I both did not see this follow up email and also did not understand the line of credit would be any different from the one advertised that we assumed we were applying for. My wife and I feel we were tricked by the credit card company and this was done intentionally. 

We sent several correspondences to the company with the request they honor the advertised credit rate and negotiate a settlement. They have refused twice expressing regret that we were confused by their promotional material.