davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (ME)

I contacted Citibank months ago because I could not access online. They told me the account was inactive and I needed to send a notarized statement to them, which I did! Now i find my account has been closed and turned over to unclaimed money, but no one can tell me where that money is. they told me Maine, Illinois, South Dakota, etc ... ..but there is no record to be found of any unclaimed having it. It is a substantial amount of money and they should be able to tell me where it is Please help. I have had nothing but bad experiences with them
Consumer complaint received 2021-03-09
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: AMERICAN HONDA FINANCE CORP (GA)

On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( XXXX, XXXX & XXXX ) but XXXX and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but XXXX and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe American Honda Finance {$8300.00} removed immediately before I am forced to seek further legal action.
Consumer complaint received 2021-01-28
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. (FL)

I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown for me accounts. I believe I became identity theft victim, otherwise I can not explain their existence in my report. I requesting you delete them from my profile as I can not move on in my life because of them ... Why do I have in my profile somebody's else information or misleading information? Its not fair absolutely so please help me and remove them.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RSVP Lending, LLC dba RSVP Loans (MO)

I have called and emailed RSVP many times since XXXX to have the bank account information updated for my loan payments. To date the information is not updated, resulting in missing/late payments. I have been charged their very high rate of interest on the missed payments balance and the missed payments have been submitted to my credit report. They recently threatened legal action although the late/missed payments are a result of their error and failure to follow my instructions. I have followed their instructions on how to have my account updated for each of my attempts. There was a recent phone call where RSVP admitted their error but did not reverse the undue interest and they still have not updated my account.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AL)

XXXX XXXX XXXX Acct : XXXX From the period beginning XX/XX/2020, I experienced continual service interruption issues and was not provided statement credits as promised by XXXX agents. I made repeated calls to XXXX informing them that further payments would not be made on this account until credits that were due and promised were issued on the above referenced account. XXXX has refused to provide a corrected statement. 

On XX/XX/2020, I called XXXX and spoke with XXXX in retention and requested that the service be disconnected and once again requested credits against a final bill. XXXX assured me that credits would be issued and that she was sending me a box inside which all equipment was to be placed and returned to the address indicated on a XXXX supplied return label. Said box was received on XX/XX/2020, and, on XX/XX/2020, all equipment was returned as requested using the XXXX supplied label, and in the XXXX supplied box. To the date of this letter, the undersigned has not received a final, corrected, accurate and reconciled final bill. 

I have disputed this debt and XXXX continues to attempt to collect an incorrect amount, and refuses to provide a corrected bill. Their records will clearly reflect out of service dates and details of my contact with them. I have continually requested a corrected, reconciled statement but have not received one.
Consumer complaint received 2022-09-22
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: CCS Financial Services, Inc. (GA)

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  Amount : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. 



Sincerely,
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My student loans which were being serviced by XXXX XXXX have been transferred to XXXX ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by Equifax ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

I have a collection on my credit report that has bin paid off I paid the balance in full XX/XX/2020 It was taken of my XXXX  but still on my XXXX  and XXXX  I need this taken off ASAP as it is already paid in full the name of the collector is SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX originally 11 XXXX  XXXX  FORMERLY XXXX  Total Debt amount {$640.00}
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Received copy of my Experian credit report and it showed some inaccurate information specifically a bankruptcy. I asked Experian to disclose there method of verification and Experian received XX/XX/21 and never received response. Sent 2nd request for method of verifcation XX/XX/21 and replied XX/XX/21 with file # XXXX claiming the bankruptcy was verified by XXXX. So I went directly to XXXX to confirm this information and on XX/XX/21 XXXX couldn't verify the inaccurate bankruptcy on there file and as of XX/XX/21 has deleted and removed the bankruptcy from there files. On my behalf XXXX also filed a dispute with Experian to confirm the bankruptcy was deleted from there file. Also as a follow up, I sent the results of this investigation to Experian directly received on XX/XX/21 and as of XX/XX/21 has not received a response from my request to have the bankruptcy removed from there file. I pulled my Experian credit report on XX/XX/21 with file # XXXX which still shows the bankruptcy on my file. Seems as if Experian is ignoring the dispute done on my behalf by XXXX and my followup done as well with a no response.
Consumer complaint received 2021-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am very concerned to find that your bank capital one has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Consumer complaint received 2020-09-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (GA)

I pulled my credit report back in XXXX and saw inquires that where not mine I sent out Certified letters to creditor and credit bureaus. I also talked to a manager with Equifax told me to fax my personal information and all inquiries but still nothing has been done. The actions kept happening on and off in XXXX no accounts where created but attempts where made. so I made up my mind to call the bureaus to handle.
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.
Consumer complaint received 2022-03-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AutoNation Enterprises Incorporated (CA)

JUST MADE A PAYMENT XX/XX/2022 WITH CIG FINANCIAL, THEN XXXX MINUTES LATER I GET A EMAIL SAYING THEY TAKING THE CAR FOR XXXX BACK OWED. THEY TOOK MY MONEY THEN SAID THEY TAKING THE CAR. I NEVER SEE A STATEMENT FROM THEM AND I CANT EVEN SEE HOW MUCH I OWE. THEY ARE USING A FRADULENT NAME AND SOCIAL IN MY NAME. XXXX IS NOT MY NAME XXXX XXXX. XXXX COMPANY HAS RISK BASED PRICING, ABUSIVE UNFAIR LENDING, UNFAIR CHARGES, ABUSIVE, PREDATORY LENDING AND DECEPTIVE TERMS. IM GETTING CHARGE UN DISCLOSED INTEREST. 


THREATENING CALLS FROM XXXX XXXX
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

Robinhood stock trading app, XXXX XXXX, XXXX XXXX, and other platforms have stopped allowing purchases XXXX stock. There is apparent collusion going on between hedge funds with short positions on the stock and trading platforms to prevent the price from increasing further. We're in this moment because hedge funds like XXXX shorted XXXX to XXXX percent which might be illegal. Seeing this, and seeing that XXXX XXXX had taken a stake in the company sentiment quickly grew that XXXX was undervalued and a short squeeze was imminent. Thousands and thousands of retail investors have bought in over the last few weeks and now we're at a critical moment because the hedge funds will need to cover their shorts soon and will send the price even higher. Various news outlets are in a campaign of villifying retail investors for causing this situation but the the origin was XXXX being shorted XXXX percent with naked shorts which imply infinite downside risk. However, XXXX XXXX doesn't believe they should be allowed to take responsibility for their actions and shouldn't be allowed to lose. So now they are changing the rules of the game half way through, and preventing retail investors like myself from benefiting by colluding with trading platforms to prevent buying the stock. This is undemocratic and is active class warfare.
Consumer complaint received 2021-01-28
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. (LA)

I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX account 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 instructions
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This started in XXXX of 2020 ... I contacted Capital One with a tracking number supplied by XXXX on a {$4000.00} advance to be credited to my Capital One account. I was told they could not locate the funds with the tracking number provided. for the past year I have been trying to get help from both banks to resolve this. XXXX XXXX notified me they had reached out to Capital One and confirmed Capital had received and has the money ... so why over a year later has the money not been credited to my account. As a result XXXX has reported my account delinquent and the 0 % promo period has expired. XXXX is refusing to remove the deliquency they and Capital One created.
Consumer complaint received 2022-01-13
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax, XXXX, and XXXX  are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a CD for my investment started in XXXX  and as I called Bank Of America to update my account, however, when I gave them my identification and name, therefore, they responded was that I have no account number under my name at all. They were able to pulled up my file, but theres someone else name in my account, so they stop helping me out, because they said I have no account with them. What am I supposed to do?
Consumer complaint received 2021-01-28
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: LEXISNEXIS (GA)

Contacted Lexus on XX/XX/2020, about bankruptcy that was reporting on credit accounts. The source of information was reported by Lexus Nexis I received a reference number from Lexus Nexis after contacting them-ref : XXXX. The 30 days passed that I was informed that they would investigate and sent me results in the mail. I contacted Lexus Nexis again on XX/XX/XXXX the I was informed their investigation was complete over the phone. I requested information to be sent to my address I never received follow up information. On XX/XX/2020, I requested a method of verification I was told I would receive information in the mail 30 days later they gave me reference : # XXXX I never received the corresponding information. I would like to request the account in question that I'm disputing with Lexis Nexis bankruptcy # XXXX and bankruptcy # XXXX be removed from their database.
Consumer complaint received 2021-03-09
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. (CA)

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX regarding inaccurate and incomplete information on my consumer report. Despite my clear request for proof of compliance with the XXXX notice requirement under 15 USC 1666b , their response was misleading and irrelevant, suggesting I might be a victim of identity theft, which I never indicated. 

I specifically requested documentation proving that the required notice was mailed or delivered to me no later than 21 days before the payment due date. XXXX XXXX XXXX XXXX failed to provide this proof, which is a violation of federal law. Instead, they stated that the account is verified/accurate without addressing my actual dispute.
Consumer complaint received 2023-05-22
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. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-07-13
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. (OK)

There are several unverified and unauthorized hard inquires onmy transunion credit report. I have disputed these items several times however they will not remove them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX