davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc. (NY)

I moved from XXXX to the XXXX. In XXXX, I used Revolut for a very long time. When Revolut opened up in the US, I wanted to have a Revolut  account on my US phone. Revolut asked me to close my account in XXXX and then open one in the US. When I closed my XXXX, I had to forego my premium plan and lost money there. On XXXX XX/XX/2022, I got confirmation from that my XXXX account and the related cards were closed. 

When I tired to open the account in the US, the system said that there is another account associated with my email. When I tired with a different email, they told me that I failed verification and that I have an account with my first name, last name and DOB. I tried approaching Revolut customer services ( XXXX XXXX ), unfortunately they have a customer services that only answers generic questions but not customer specific question. They asked me to try from the app but that did not work. Revolut then just closed the case with no resolution on XXXX XXXX. 

I am very unhappy with Revolut  and certainly will not use their product but I want to know why my email is still showing active and how are they using my personal information given I closed my account. I suspect a data privacy and data usage issue here.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There is two Bankruptcies on my credit files in error. I have contacted XXXX, XXXX   and TransUion via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. TransUnion has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Plain and simple my car was totaled in an accident XX/XX/2016. My insurance paid off the car and I had gap insurance just in case I ever needed it. Capital One Auto Finance added late fees and other finance charges and stated I now owe an additional XXXX and they are reporting to the credit bureaus as an open account. What can I do?
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (OH)

XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (OH)

This account was my XXXX XXXX that was financed and I paid if off in full XXXX 2016 they will not take it off they keep telling me that the information is accurate. It was paid along with court cost. It was a judgment so they updated the judgement as satisfied but not the original account. Also, it was a joint account and it was taken off my wife 's account.I want this deleted.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both " XXXX '' and Bank of America ( BOA ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Bank of America that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from " XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Bank of America to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with " XXXX XXXX '' to get things in order. Once again, even with the Bank of America customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Bank of America representative was not happy, and decided to transfer the XXXX representative and I to the claims department of BOA. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from BOA, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. A generic answer was supplied but, it does not answer the disputes question. until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2017-02-09
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

I began a cash out refinance loan for multiple properties that are investment properties in XXXX XXXX. It is now XXXX XXXX XXXX and every week JP Morgan and Chase tell me " a few more days '' or asks for information that I have already provided.
Consumer complaint received 2017-03-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha. 

Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank. 

Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred. 

Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned. 

Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please. 

Thank You Very Much, We Appreciate Your Business!!!! 

XXXX. 
XXXX, CA XXXX. 
XXXX. 
XXXX -- -- --
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

In XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA XXXX can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the XXXX that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of zero. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely zero, and they owed me {$350.00}. 

Equifax shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX XXXX )
Consumer complaint received 2022-02-09
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. (FL)

XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulation.XXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.
Consumer complaint received 2015-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (IN)

GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours,
Consumer complaint received 2020-10-17
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: PENTAGON FEDERAL CREDIT UNION (GA)

Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit limit increase rejection letter says they are still evaluating their internal limits. There is no reasoning that has anything to do with my personal credit score or history. 

After my first complaint, they just resent the same letters back to me.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NY)

When I signed up for this credit card, it was supposed to come with the benefit of getting a XXXX night when I booked XXXX nights with points, which is why this card has a hefty annual fee. I just paid my annual fee back in XXXX of this year and then a few weeks after I learned that they are taking away this benefit! This is completly unfair since that is the only reason I paid the renewal.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, XXXX XXXX
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. 

This is causing substantial harm to my credit report and yet Trans Union continues to violate the Fair Credit Reporting Act. 


XXXX XXXX XXXX
Consumer complaint received 2023-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

Account Name : Dept of Ed/XXXX  Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX  Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX  Account # XXXX and # XXXX Opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX XXXX  when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate. 
Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (MO)

Mortgage subservicer ( Pacific Union Financial ) changed to another company ( XXXX dba XXXX ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MD)

On XXXX XXXX, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was {$40.00} available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost {$160.00} in available credit. When I called the customer service rep advised that this account credit limit had been lowered the same night. This account is always been paid in great standing. Synchrony bank only dropped my limits after I paid down XXXX other accounts with them. I believe this is retaliation due to me previously filing a complaint against them. Synchrony also lower my Lowes account and my Phillips 66 card. My initial complaint was due to the banana republic card being reported as late. Synchrony is caused my score to lower due to reducing my credit limit causing my utilization rate top go up. Synchrony bank needs to stop this.