davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell DISCOVER BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

DISCOVER BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2021-02-13
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-08-06
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. (UT)

Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter XXXX. ''
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I got a call from XXXX  for a unknown transaction. They were able to access my phone and bank records without me giving any information to them. The guy on the phone told me that he will go into my account and fix it bc he said someone was trying to hack my account. I never gave them access. If fact he was the real hacker and when I opened the online banking I saw he had already done 2 big transactions with value XXXX and XXXX, without my consent. 
I called them back to ask what was going on and he said the money will be back on XXXX. The next day I went to the bank and they took my declaration and said the bank will trace your money and bring it back to you. But its been exactly a month and nothing has changed. The bank is declining my claim, saying i was the one that gave them the information, where in fact they already had everything and accessed my online banking without me touching any button. 
My bank account was hacked and the money which is supposed to be safe there is deducted and all they're saying is that this is my fault. I lost all this money. Im begging you to help me get my money back as the bank did nothing to help. We are supposed to be protected by the bank.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

To Whom It May Concern, I made my car payment on XX/XX/2021 from my mobile app but got no confirmation. The GM Financial mobile app would not allow me to take a screenshot stating " can't take screenshot due to privacy policy ''. The morning of XX/XX/2021 I tried calling GM numerous times but was unable to get through to anyone due to high call volume. 

I then received an email on XX/XX/XXXX that my account was 30 days late. This email told me that my mobile app payment clearly did not go through. I immediately ran to my office and logged into my GM account from my computer as I did not trust the app and paid it ( again ) as it clearly did not go through from the mobile app on XX/XX/XXXX. ( I made my XXXX payment as well at this time. ) I then called GM as well on XX/XX/2021 after making the payment from my computer and spoke with a representative who assured me that it would not be recorded as a 30 day late payment. 

Today, XX/XX/2021 I was notified by logging into my XXXX  account that my credit score dropped by over 50 points and that GM did in fact record XX/XX/2021 as a 30 day late payment. 
I would like this late payment taken off of my credit report for these reasons : 1 ) I made the payment on XX/XX/XXXX on the mobile app which clearly has issues and does not allow the consumer to take screenshots as proof of payment. 
2 ) I made the payment again on my computer on XX/XX/XXXX and was assured that GM does not report until the XXXX day and since the computer payment registered on XX/XX/XXXX it would not count as 30 days late. 
3 ) I was given misleading information as I spoke to GM again today on XX/XX/XXXX and was told that they record on the XXXX day and not the XXXX. If I am given bad information on what days will actually affect my credit it makes it impossible to maintain the credit score I have worked so hard to achieve.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Taylor Law, PLLC (NJ)

I get a phone call from representative that identified him self as XXXX XXXX   XXXX XXXX XXXX from California.Trying to collect a debit the amount of $ XXXXon behalf of IRS Debit tax collection he threat on me that if i do not agree to pay the whole amount i will get arrested or he offer me a deal to pay on spot with credit or debit card {$520.00} and it will delete te debt and case where close.I tell him that i go ahead an call 991 he told me that dint worry Sheriff Department are on there way to arrest me if i do not agree the deal.i hung up and block that nr and they call me after 10 min with different nr. Next day i contact my tax prepare to see if anything wrong and he did not find so.I log in to my IRS account nothing wrong i call IRS my self nothing wrong they suggest me to notified my lawyer and take this case over and they go ahead and open Internal investigation on this case. XXXX XXXX XXXX XXXX XXXX they not have a power to collect any debt against any USA Citizen on behalf of IRS, I do not own any XXXX to IRS, even i should own anything they tell me they will resolved on there own deducting those money from tax file and not report any debt to any attorney office
Consumer complaint received 2023-02-01
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: CITIBANK, N.A. (OH)

Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. 

Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. 

XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. 

I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. 

On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2023-01-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My checking account has been frozen and I disbanned as a capital one client. I accepted a {$400.00} XXXX  transfer for the extra XXXX XXXX ticket I had. I transferred the ticket via " XXXX digital transfer '' ( see attached ). This person, XXXX XXXX, is trying to defraud her financial institution by claiming something was wrong with her ticket! As XXXX guarantees, 100 %, that the digital ticketing, the very method I used to send her the ticket, is legit!!
Consumer complaint received 2023-02-01
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 (GA)

I called the Capital one auto finance to advise them I did not apply for a loan with them and XXXX also XXXX I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I questioned the entry or charge that was reflected on the bill which was from XX/XX/20. When I called initially they told me it was interest I was being charged from that point to the current bill date which came to {$30.00}. I thought about it and called again the next day and could not understand why I was being charged for three years and when I called I spoked to an XXXX from a foreign country who tried continuously to be evasive. I asked him bout the charge and he said he could not bring it up and I said then why are you charing me. He said he could not bring it up because it was too long ago so why charge me. This whole thing does not sound right. He also said he put in a complaint for me. I wasked to send me an email and he said he could not do that. Something does not sound right.
Consumer complaint received 2023-01-11
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. (VA)

The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!
Consumer complaint received 2020-07-07
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to express my concern regarding an insufficient fee charge of {$250.00} that was debited from my Capital One Credit Card account on XX/XX/2023. 

On XX/XX/2023, I initiated a deposit of {$100.00} into my credit card online account, a few minutes later I deposited {$150.00} from my Capital One Checking account to my online Credit Card account. According to the information provided on the Capital One credit card online portal, deposits are processed on the same day with a cutoff time of XXXX XXXX 

Upon reviewing my account activity, I noticed the imposition of the aforementioned insufficient fee charge. However, after contacting Capital One 's customer service on XX/XX/2023, I was informed that the deposit of {$250.00} was notcredited to my credit card account until five days after the initial deposit was made, citing that the funds were not available in the account at the time of processing. 

I find this explanation perplexing, as the online information on the credit card portal specifically states that the deposit is processed on the same day with the mentioned cutoff time. Due to this discrepancy, I kindly request that Capital One thoroughly investigate this matter and reconsider reversing the unjustified {$250.00} insufficient fee charge. 

As a loyal and responsible customer, I have always maintained my accounts in good standing, ensuring timely payments and adherence to all terms and conditions. Hence, I believe that this fee charge is an oversight or an error in processing that needs immediate resolution. 

I kindly request that you conduct a comprehensive review of the deposit process and account activity to rectify this matter as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

If required, I am prepared to provide any additional information or documentation to support my claim. Please find enclosed copies of the deposit transactions made on XX/XX/2023, for your reference. 

I look forward to a swift resolution to this matter and a favorable response from your end. Should you require any further clarification or information, please feel free to contact me at
Consumer complaint received 2022-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I had a student loan with XXXX XXXX back in 2003 for {$10000.00}. The loan was sold as years went by to Navient. I have been paying this loan since 2003 and it seems I have more than paid off this loan but still have a balance per Navient. 

I have been receiving calls at my home and work outside normal business hours ( they were not given permission to call my work as this jeopardizes my job ). 

I am now getting tons of past due letters as I have ceased to pay any more. It seems my payments were not being applied or were miss-applied and then late fees were applied. This is disappointing and confusing, and I wish for the balance they are saying I owe be cancelled and my account brought current with zero balance as I have added up over the years and have more that paid back this loan. In fact, it looks like Navient owes me a refund.
Consumer complaint received 2023-02-23
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc (DE)

I was a account holder at chime and they suddenly closed the account with XXXX in there that I havent been able to access in months and I cant talk to anyone or check refund status of check on closed account and no one will help
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

My name is XXXX XXXX, I always make my payments on time even during the pandemic, even when I struggle financially. I understand the importance of maintaining a good credit score and report, I understand that it's my reputation and my name and allows me to act in the business field, and take actions that are the right ones for me. Obligations that may lead me to results that can develop my business or even purchase houses and use my rights to take the right actions I wish to.BMW Financials has made a mistake in reporting a late payment- they had a mistake with charging the wrong account- an account that was closed, the payment has been returned and there was no notification about a payment that has been returned, nor notified us that they intend to report to the credit Bureau on a late payment! 
I called BMW Financial right away, since I know we made this payment already! and found out, that by accident they tried to charge an account that was never used before for this car- XXXX XXXX XXXX account, which was closed due to a fraud claim in the past. We logged during XX/XX/XXXX different times, in different days and there was no payment due for XXXX. XX/XX/XXXX we noticed that 2 payments had to be made, we called them and they claimed that no payment was processed during XXXX and notified us that the payment has been returned. 
I asked BMW : why no one sent us an email, called, and why is did not appear on their website that the payment was due? They claimed that they called- when I asked to which phone number, they said that they don't have that information. 
They accidentally charged the wrong bank account and now, it affected my credit and XXXX XXXX XXXX credit. 
It seems like the are careless about reporting and negligently reporting late payments of the clients. After almost 3 years of payment that has been paid by an autopay!!!
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. File # 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 an account without my written instructions.