davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
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)

I have written letters to the EXPERIAN requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to XXXX XXXX compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2021, I made reservations for a motel through a booking company called XXXX  When I checked into XXXX XXXX in XXXX, Louisiana on XX/XX/XXXX, the motel charged my Capital One XXXX  card. However, when I later got my statement from Capital One, it showed : ( 1 ) XXXX had charged me its booking fee of {$19.00}, an unknown fee of {$5.00}, and {$79.00} for the room. ( 2 ) XXXX XXXX had charged me {$79.00} for the room. Thus, I had paid twice for the room. I called a Capital One representative, and explained what had happened and began a dispute for the overcharge. Apparently, nobody in Capital One read the complaint correctly, and when XXXX submitted that I had received the service, Capital One notified me that dispute was settled. The issue was not that I had received the service but that I had paid twice for the service. I closed my XXXX account with Capital One over its ineptitude. I would like for everyone to know that Capital One appears to favor the business over the customer whenever a complaint is filed.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

I called XXXX XXXX XXXX XXXX Fraud department and was on hold for 3 hours, and they never answered. I ended up speaking to a general customer service rep, who told me that Fraud dept would call me back same day. It's now 3 days later and I've heard nothing and once again can not get through to the Fraud department. 
I went into the store as well and all they did was give me the same fraud phone number that I had been on hold for 3 hours with. 
I have filed a police report, but can not get XXXX XXXX XXXX XXXX to help me resolve this. The criminal apparently bought opened a account in my name as well as other things that keep popping upon my XXXX  report
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

You have violated my rights under both Section 609 ( a ) ( 1 ) ( A ) AND Section 611 ( 5 ) ( A ). I wrote to you multiple times LAST YEAR and AGAIN this year and requested you stop reporting XXXX XXXX XXXX and XXXX  XXXX XXXX for FCRA non-compliance of inaccurate data listed on my credit report. Yet the accounts remain on my credit report STILL REPORTING inaccurate data!

You said you verified the disputed information as accurate. In actuality you failed to do a thorough investigation AT ALL because you profit off of these errors. 

These facts prove you didnt investigate XXXX XXXX XXXX ; 1. Date last updated says XX/XX/XXXX but I disputed this XX/XX/XXXX XXXX. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation You clearly didnt investigate XXXX  XXXX XXXX either. Multiple inconsistencies are being reported. Different last payment dates, different dates of last active. This is a clear violation. Yet you claim you verified these accounts as being accurate?! These accounts must be removed for non compliance. You cant verify violations as accurate Experian!
Consumer complaint received 2021-04-08
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I was drastically effected by covid 19 which caused a major financial drain in my income. I fell behind on my credit card payments with FNBO after being a loyal customer making on time payments. I did not pay my bill because I didnt want to I was sick and not working I was worried about my health. I enrolled in the forbearance program Im not running away from my responsibility on paying the debt I just feel like FNBO does not care about customers like other major banks and credit card companies. I reached out via email no response customer service provides no assistance so I contacted the XXXX the creditor refused to remove the late payments.
Consumer complaint received 2023-04-01
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some Inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-08
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. (FL)

ON XX/XX/2021, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

My cashapp debit card was stolen, card was used at an atm at a location unknown to me. {$600.00} that was just sent to my cashapp was then withdrawn from said unknown atm and location. Told cashapp my debit card associated with my cashapp was stolen and no idea where it was. Said I had people over who knew I was waiting for the payment as it was for school. And knew how much it was for. Cash app refuses to refund the missing money and has denied all of my requests in less than XXXX hours of submitting each claim.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (IL)

So I signed up for this Direct Express Card to receive my benefits. But the method to login to my account presented problems. I did fix the login issues with the rep. But due to the old DE website, was unable to further login to check, update information. I'm trying to reach out to the SSA to change back to my old bank. I don't recommend that anyone received social security benefits use Direct Express due to frustration with getting online to view accounts and fees ridiculous. Local banks are better to use from my experience.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my Equifax report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on Equifax
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (OH)

Certified letter was sent to Ad Astra asking for documentation bearing my signature to verify debt listed on credit reports. 
Letter was signed for by XXXX XXXX on XX/XX/XXXX, per Certified receipt from usps tracking # XXXX Documentation without signature was received back stating " We have reviewed your file with Speedy Cash and determined the facts in reference to this debt are consistent with the information provided by client. '' Second letter was sent to Ad Astra stating they had failed to provide me with viable evidence bearing my signature, showing the account was reported accurately. This letter was also sent Certified and signed for by XXXX., per Certified receipt from usps tracking # XXXX No response received from this letter. 

Certified letters were mailed to XXXX, XXXX and XXXX. The letter stated that Ad Astra failed to verify this debt bearing my signature and it should be removed from my credit report. Only received a response back from XXXX  stating I should contact the creditor for validation. Item was removed from XXXX  credit report. However, still shows on XXXX  & XXXX.

Certified letters were received by all three credit agencies as per Certified receipt from USPS. 
XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXX As per Fair Credit Act Section 611 ( 5 ) ( A ) ( 1 ) ( i ) ( ii ) this item must be deleted as it can not be verified.
Consumer complaint received 2017-12-10
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 (OR)

On XX/XX/XXXX an annual fee of {$59.00} was posted to my account. I received and activated this card duringXX/XX/XXXX, 9 months ago. Contacted the bank advised them that the fee needed to be removed since I have not had this card for one year. They refused to do so. 

This problem stems from the bank having a faulty application process. When I applied for a credit card in XX/XX/XXXX there was no provision to provide a mailing address. The card was sent to my physical address where I had a forwarding order in effect. The card was returned to the bank. Subsequently I contacted the bank. They opened a new account and sent me a new card, which I activated and used. The bank claimed that the annual period started in XX/XX/XXXX when they sent a card to my physical address and then subsequently returned.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX  report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on XXXX
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (CT)

Hello. I've been sending out disputes to all 3 bureaus XXXX, equifax, and XXXX  since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as equifax reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Consumer complaint received 2020-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2023-01-18
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: Bread Financial Holdings, Inc. (PA)

I have had a number of unjustified charges on this account now for months, dating back to at least, XXXX of 2022, totaling {$350.00}. I have personally disputed all of the individual charges ( some of them TWICE ) within this total, via very long phone calls and being transferred back and forth many times, because the company would send messages ( via their online messaging system ) that they " needed more information '', or because they could " find no proof '' that they were " not legitimate charges ''. So, I had to " re-dispute '' them! This company has a severe lack of timely and specific communication regarding each of the disputed charges. I have received just a couple of letters regarding maybe 2 of the multiple unjustified charges, with the letters having zero details, so that one has no idea what charge, date, or vendor, they are referring to! They basically send generic form letters, and only for some of the disputed charges! I have been given the runaround by this company for months now! When I re-inquire about status updates they just tell me to " give it another 60-90 days for resolution ''! They are absolutely the worst credit card company I've ever dealt with ( Comenity Bank )!
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (FL)

I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX