davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (CO)

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Consumer complaint received 2023-03-09
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. (SD)

For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. 
I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. 
I pay off loans, leases and CC balances and lose points. 
Points have just randomly been taken. 
My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. 
Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. 
Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.
Consumer complaint received 2023-03-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Back on XX/XX/XXXX we sent my son who lives in XXXX {$2000.00} from our savings account this time, normally we used our checking account, from our XXXX  XXXX XXXX mobile application, we always use the Zelle application to send him money, on XX/XX/XXXX we got a phone call from XXXX  XXXX XXXX 's customer 's service ( caller ID ), saying they were from XXXX  XXXX XXXX 's fraud department up in XXXX and that somebody was trying to withdraw {$3400.00} from our account fraudulently using the Zelle and they needed my help to try to stop them, I was asked to open my mobile bank app and go to Zelle application, XXXX was the number they used to send, XXXX to XXXX, I was told that this would help them find the people that were trying to steal our money so I was tricked and did not truly authorize this transaction to take place, I was told not to open my bank account on my phone for the next 24 hours and they would call me the next day and give me an update which they did but when they called they did the same thing over again and unfortunately talked me into cheating me out of another {$3400.00} and I was scammed again and finally wised up and did not talk to them anymore and I called XXXX XXXX XXXX 's fraud dept and they told me that they would investigate and then I got an email from them on the XXXX saying that the case was closed and that there was nothing they can do, because I wrongly gave them withdrawal permission, that I'm out the money so I would really appreciate your help that I was truly tricked and influenced and did not intelligently authorize the transactions so I would appreciate any help you could get with me with getting the {$7000.00} back thank you very much for your time
Consumer complaint received 2023-03-09
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit XXXX has consistently called me multiple times a week, including weekends and evenings. They persisted even when I was overseas in another country for approximately 2-3 days before discontinuing, then continuing a month following my return. I no longer allow phone calls to numbers in my phone to ring because of the nuisance calls from this abusive company. At the height of these calls, I was receiving them 6 days a week ( Sun - Fri ), around XXXX 2022. I can obtain these records from XXXX, my service provider, if required. They also use multiple phone numbers rather than one number with multiple lines, thereby making it impossible to avoid their harassment via blocking numbers.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The city paid my lawyer, and my lawyer issued me a {$13000.00} check on a XXXX XXXX Chase Bank account. I presented this check to Chase Bank, 4 Chase Metro Tech Center, XXXX, XXXX on XXXX XX/XX/2023. The teller refused to cash the check citing the " account owner has a restriction '' that doesn't allow for anything over {$2500.00} to be cashed. I called my lawyer on the spot and he said, yeah, that's XXXX, he has no restrictions and in fact, has had many clients cash much larger amounts from this exact same account. I asked to speak with the bank manager who again refused to cash the check drawn on his bank. He suggested I " go to a check cashing business to cash the check '' and warned of the roughly {$1300.00} fee I'd have to pay as a lead up to selling me a bank account at Chase by way of pressuring me with a huge financial loss if I didn't buy a Chase Bank account. Which begs the obvious question : would Chase then refuse to honor their own check when Pay Day Loan and Check Cashing presented it to them as they are now refusing me? How does THAT work? As a XXXX veteran who is not that far removed from homelessness, I feel totally abused, almost like being violated. I went three blocks down the street and tried again at a different Chase, thinking it was just a fluke ; a one-off weirdo predatory manager, but it's Chase as an institution that is predatory. I was forced to open an account with Chase, including mandatory overdraft protection ( {$40.00} fee per overdraft ) before Chase would grant me access to my money drawn on their bank. This second Chase ( XXXX XXXX XXXX XXXX Bank 's manager was much more civil and wanting to help, but the best he could do was for me to ask my lawyer to re-issue me multiple checks of {$2500.00} or less, and that he could cash them with a {$10.00} service fee per check. Nice. And while paying {$60.00} to Chase for Chase to cash a Chase check from a Chase account is better than {$1300.00} fee elsewhere, it feels dirty and illegal, like extortion.
Consumer complaint received 2020-05-29
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. (TX)

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX CT MO XX/XX/XXXXXXXX Account Info Reference Number XXXX Court Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NY)

I usually transfer money from my XXXX account to my Chime account, only so I could use the Credit Builder account, their Checking and Savings are not really that relevant, but I still fund it. Today XX/XX/2023 I transfer {$9.00} from my XXXX to Chime. I received the funds in my Chime savings account and then transferred them to my Credit Builder account. A few hours later I noticed a sale on a website and they had some merchandise I wanted to purchase..I only had {$51.00} in my Credit Builders account which was not enough, so obviously, I needed to transfer more money from my Chime Checking account to the Credit Builders for my purchase. Went to the Transfer option only to get a glitch when I click on the 'Transfer ' button, for 3 minutes I am tapping the button and nothing is transferring, I closed the app and open it and still tapped the button and nothing is transferring. I decided to uninstall the app and reinstall the app to see if that would fix the glitch/bug. Now the problem is that I usually sign in to my account with my finger or passcode, except when you reinstall the app you must retype in your password. I totally forgot what password I used and my XXXX saved option that automatically pastes the info was not updated so it pasted the old password and I kept trying over and over thinking about what the password was. Anyway I reset the password thinking that would help, wrong, upon resetting it, I was hit with a verification check that Chime needed me to take photos and pictures of my ID card, now mind you I've already done that prior with a similar issue and they have my information on file with my state ID and pictures that is not even expired. I called in and spoke to someone who referred the case to upper management. The numbskull that works for Chime sent me an email saying to follow the info on the app to take pictures and my ID.. I'm not taking anything because they have all my info already, i sent a very vulgar reply back to them because it's nonsense they are doing.
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TN)

I have been behind on my payments for a while now. My family experienced a medical emergency that cost us a large sum of money. A XXXX, and XXXX  were needed, and we could only afford so much. As soon as I got some money together to start catching up I called Synchrony bank, whom I have a care credit account through to try an settle my debt. I called XX/XX/2020, two times and spoke with offshore representatives who refused to discuss settlement options with me. I called again today XX/XX/2020 to try and make a payment, and was told initially a settlement option of {$900.00} was available. The representative told me after some time on hold that it was not available now. I asked her if she had spoken to a specialist, and she said that she could not get through to them. She told me that a letter had been sent to me offering a settlement, but I hadn't responded in time, but the two previous agents said that a settlement was never an option. I never received a letter offering XXXX as an option. I felt as if I was getting the run around especially since I had just settled an account with Lowes ( also a synchrony account ). How could the same bank say I qualified, but also say I dont qualify, but also say I do qualify, but that they were now not offering the settlement. It is depressingly embarrassing to be in debt, and I am not trying to run from this debt. I'm trying to settle it. I'm doing the best I can, and I'm willing to work with them, but for some reason the care credit representatives can't give me a straight answer.
Consumer complaint received 2023-03-09
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 (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2020-05-29
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 (IL)

1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX 's demanded payment for holding truck XXXX they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 3. XXXX there is no credit posted as of today XX/XX/2020
Consumer complaint received 2023-03-09
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: Conn's, Inc. (OK)

In Looking at my credit report I notice that it is showing several late payments. These companies that are reporting late payments and do not have written consent to report this on my credit report according to 15 USC 1681b. Please have this corrected and removed from my credit report.
Consumer complaint received 2023-03-09
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: CITIBANK, N.A. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2020-01-24
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. (FL)

XXXX XXXX XXXX  is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX  AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX  XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX  XXXX  CARD
Consumer complaint received 2020-01-24
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. (TN)

On XX/XX/2020 I went to XXXX XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get onXXXX in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!