davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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)

I sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXXXXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.
Consumer complaint received 2022-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one refuses to respond to my original complaint as to why they allowed a secured card with a {$650.00} credit limit to be over charged by {$540.00}? That was my original complaint to them. And they keep telling me that they credited me {$540.00} because I disputed it and then added back to my account after they did not get the information they requested. I am aware they provided a credit. I need to know why they would decline several smaller charges of {$150.00} on XX/XX/2022 and two charges on XX/XX/2022 for the same amounts due to not enough credit available on the card, but on the same day allow a charge of {$540.00} when there was still no available credit left on the card? 

This happened before I disputed the charge and they provided an initial credit. 

When I signed up for the card Capital one assured me that you can't go over your limit with a secured card. Capital one is being deceptive and allowed the card to be over charged deliberately so they can charge me over the limit fees and late fees..
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I am unable to access my funds from the American Express Serve account. I tried paying bills online and I tried using my prepaid debit card with no success. My last transaction was a deposit in the amount of {$490.00}. I am attaching the confirmation of that transaction. Serve has locked my access to my money. I have {$2000.00} in my Serve account. Serve is sending me weekly statements with my balance. I am attaching my last statement received by Serve. Thus, Serve is letting me know weekly that they have my money but are not providing me any access to it. On XX/XX/XXXX, I tried talking on the phone with a Serve representative who told me that he would talk to a supervisor to unlock the account but nothing happened since.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
Experian, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards 1, XXXX XXXX XXXX Credit Card # XXXX, 2XXXX XXXX XXXX Credit Card # XXXX 3. XXXX  XXXX XXXX Credit Card # XXXX 4.XXXX XXXXXXXX # XXXX balance {XXXX} My credit score with Experian should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX 

Experian is violations of Federal and State Laws and violations of my ADA Disability Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

I am sending you the synopsis of the issue that started on XX/XX/XXXX with the subject matter entity and I'm still being continuously harassed. It was during an early XXXX Friday sale, and I purchased a XXXX '' television ( TV ) from Walmart totaling {$510.00} and charged it to my PayPal credit card under Synchrony Bank. After awaiting for the delivery of the TV to be delivered on promised date, and it not showing up for several weeks, I called Walmart and they agreed to reverse the charges, and on XX/XX/XXXX I received an email from them stating they had refunded the charges to PayPal and should post in XXXX to 10 days. On XX/XX/XXXX I received confirmation from PayPal that they had received the refund from Walmart.

Walmart then sent a replacement TV for the one I never received, and that one came but I refused the delivery because I had decided I didn't want the TV. Once Walmart received the TV back at their warehouse, I received a confirmation email on XX/XX/XXXX that Walmart had received the TV back in their warehouse in XXXX, IN, and on XX/XX/XXXX I received confirmation from Walmart that they had did a second refund for the second returned TV to PayPal.

That being said, PayPal has been harassing me for the past two years for payments on items I haven't received, and I've submitted several dispute forms to no avail. I keep getting the same answer that they've credited my account, but it still shows up, and this has now caused issues with my credit report scores being lowered. I have closed the account and they are still sending me statements showing I owe them {$510.00} of which they've been paid. That has to be a form of defamation of my character in making it appear I don't pay my bills. Therefore, I want restitution by them removing the charges and clearing any negative statements on my credit report. I thank you for your help in resolving this issue. Have a wonderfully blessed, safe and healthy rest of your day! 

Warmest regards, XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX, I requested a balance transfer of {$3500.00} from my capital one card to go to my XXXX XXXX XXXX  card online. XXXX sent a paper check to capital one and they cashed the check. The payment posted to my XXXX card but the payment was not applied to my capital one card. I received a letter from XXXX on XX/XX/XXXX saying that the balance transfer was done with an account number ending in XXXX which is not my account. My capital one account ends in XXXX. I contacted XXXX and spoke with them on the phone and they did a three-way call with Capital One and they werent able to help us on the phone. XXXX submitted an inquiry to investigate the balance transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX that they are unable to request the money back from capital one because the balance transfer returned was declined because the funds were received by capital one. I called XXXX the when I got this letter and once again explained that the payment was never posted to my capital one account. They submitted a second inquiry to investigate the balance transfer and told me I would hear back in 10 days. Today is XX/XX/XXXX and I had yet to hear back from XXXX regarding the second balance investigation inquiry. The original letter I got from XXXX on XX/XX/XXXX said that I had to contact capital one to handle this further. I contacted capital one today and spoke with a customer service member and then also escalated to a supervisor or a senior balance transfer employee. She was not helpful because all she did was continue to repeat the process and that I had to go through the XXXX bank and they had all the tools necessary to handle this issue. She refused to help me even though I told her that I had a letter from XXXX that showed that capital one processed the payment. So then after dealing with her I called XXXX and they were not able to help me either because they said that this was on Capital One. So now I am caught in the middle between two banks who claim they are unable help me because they keep pointing the finger at the other company who they say have all have the tools to assist me with this process. The bottom line is that XXXX paid capital one {$3500.00} however capital one never applied that payment to my account and capital one is saying that they can not investigate it because they have no way of figuring out where the money went however they said that if they were able to figure it out that they are legally responsible for return those funds back to XXXX. I need some help to resolve this because now I owe {$7100.00} instead of {$3500.00}. I am looking for capital one to refund the {$3500.00} that they processed but did not post to my account. XXXX has proof that capital one cashed the paper check that was sent to capital one. Neither company is willing to escalate this and claim they cant do anything. I would appreciate any assistance on this.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have had issues with all 3 credit reporting companies since they moved to XXXX and lie to there XXXX to say no and give the mm excuses in paper for every complaint you have. I will talk about EXPERIAN CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX XXXX  COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP UF YOU TELL THEM THEY ARE BREAKUNG XXXX XXXX XXXX XXXX XXXX. 
2. XXXX SAYS THEY DIDNT DO IT AND EXPERIAN SAYS XXXX SAYS I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
3. THEN I FIND OUT EXPERIAN HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY XXXX XXXX  CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

XXXX XXXX never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down fXXXX XXXX XXXX
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-22
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: CLGF Holdco 1, LLC (GA)

I, XXXX XXXX tried to get Gensis Retail to fix the 30 day late on my credit report from XX/XX/2022. They removed the late fee however, never took the actual 30 day late off. I have tried talking to them on the phone and they were " not '' very nice and their corporate office refused to help as well. They only care about, their money and not, their consumers well being. I tried making a payment via, the phone and couldn't get someone to handled it, properly and they admitted that, they were having issues. I currently, have an online account to pay my bill and do " not '' trust them over the phone at all. I have only XXXX late with them on XX/XX/2022 and want it, to be removed since, their company is not trustworthy in doing what, they say they are going to do. They never called me to tell me, that the payment didn't go through or they had they had the wrong account number and etc. There was over $ XXXX in assets in that account ... .. NEVER called me to tell me that, there was an issue at hand. 
Please help me... I am so frustrated with them and them not caring about, their consumers at all. Thank you.
Consumer complaint received 2022-04-22
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. (GA)

In XXXX I sent a certified letter to TransUnion asking them to inform me how they verified bankruptcies listed on my credit report. I informed them that one case thatfiled in 2018 was submitted fraudulently by an attorney I never intended to hire, I never signed documentation, I never submitted a payment. 

They responded with a letter stating the information was verified but still did not give explicit notes on who they got the information from. That person 's title and authority to comment on the case.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-04-21
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. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible :
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I did a wire transfer of {$99000.00} and on XX/XX/2022, I did another wire transfer of {$11000.00} to XXXX XXXX XXXX XXXX XXXX XXXX in Account with XXXX  XXXX XXXX. The Chase staff that handled the transfer excluded " XXXX XXXX '' from the Beneficiary 's name. I immediately complained she told me that the system could not take more names and assured me that the Beneficiary will be credited. 
The XXXX  XXXX XXXX refused to credit the Beneficiary because of incomplete names. Up till now, the beneficiary has not been credited and all attempts to get Chase Bank correct it failed. 
I went to Chase Bank XXXX XXXX XXXX and XXXX where Idid the transaction but they rather referred me to their ONLINE TEAM. The online team still couldn'thelp. 
I asked for the refund of the fund back to my account. This they have failed to do. 
This has negatively affected my business. 
Please prevail on them to immediately credit my account without further delay. 
. 
Many thanks. 

XXXX XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MO)

Reference # XXXX National Recovery Debt for XXXX XXXX XXXX in the amount of {$68.00} This is not my debt and I don't even know what this debt is for. I would like to know where this debt came from, how it was acquired/who signed for it, etc.
Consumer complaint received 2022-04-22
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.