davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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: BARCLAYS BANK DELAWARE (MD)

I recently reached out to Barclays Bank mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law Barclays must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, I have been a capital one credit card member since 2012 and one of my oldest credit cards on file. 

Due to inactivity my account was closed with no prior warning, just an email stating my account was closed. Prior to that email, no warning was given. 


Due to the pandemic we are currently in, My capital one credit card was the last line of available credit I had & I was planning on utilizing it which now I am not able to do because of the account closure with no warning Im disappointed in the company and the lack of courtesy to advise their Members that their card will be closed if no activity, especially during a hard time like this given the coronavirus pandemic. 

Like I stated previously this credit card is one of my oldest credit cards, I have been a member since 2012 and have always been a loyal member to capital one.
Consumer complaint received 2020-05-21
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX  XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX/XXXX  XXXX {$13000.00} USDOE/XXXX  XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX  XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MD)

Problem : Wells Fargo Bank loss of an account in their system and no longer able to access 5 accounts online. I have had online mortgage banking with Wells Fargo since XXXX and had online access. I am going through XXXX and working with two estates so online banking is important. I had two accounts with one estate and opened a third account in XX/XX/XXXX. I open two more accounts on XX/XX/XXXX. On XX/XX/XXXX I had tech support help because one account was not visible. All my accounts were then wiped out on the system and I could not get online. I'm only receiving paper statements for two of the 5 accounts. I was sent to branches twice and the employees couldn't find the account with. The money is needed in all these accounts for taxes and other expenses. I could write checks on some of the accounts but this doesn't always help. I can not close or transfer all the money because they can not find the accounts and merge errors in profiles. I am told 9 day to solution and then another 9 days for a solution and it goes on and on. I am sent to branches with appointments needed, exposed to covid, and immune compromised. I have requested help on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no solution to the problem ... ..while dealing with XXXX.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2020-05-21
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)

XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX  says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.
Consumer complaint received 2020-05-21
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. (VA)

I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.
Consumer complaint received 2020-05-21
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 — Their investigation did not fix an error on your report
Company: Credit Wise Recovery Solution LLC (CA)

Hello. I need your help. When I received my stimulus check of {$1200.00} dollars I paid two credit cards off. hoping to better my credit score and purchasing power to buy a house.. One card from XXXX and the other from XXXX XXXX. Creditwise is connected to XXXX. The Creditwise app asked me to look and update my credit information. Before I pushed the button on my phone.my score with them was XXXX. I paid off 2 credit cards and my score went down 61 points! This upset me greatly. I called XXXX to find out what happened they called creditwise because the score drop was alot.. No answer. I called creditwise a few days later talked with an agent she couldn't understand why the score dropped and gave me to her supervisor and she could not understand why also. I receive a note from creditwise with a graph showing the points that dropped. They congratulate me for ontime NO LATE PAYMENTS for 43 months. As you can see it took years to achieve a perfect record for payments. And because I paid off the credit 2 cards with the lessor amounts I lose XXXX points? I did not cancel the cards. How is that FAIR? 
TO ME THIS RUINS ALL THAT I WORKED FOR,. THE TIME USED, AND THE THINGS I SUFFERED. JUST GONE! 
When I first started out to improve my credit score, I got a platinum card from XXXX XXXX.my score was about 640. I made a couple of purchases to get the account going and the card usage was not close to the 30 % and in about 3 months later I looked at my credit score and it went down to from about 640 to XXXX. I lost XXXX points, I called and called and called, Creditwise and XXXX and I could get no answer, except they said they don't know why, for such a great drop, That was from the personnel I spoke to from both companies Now I'm faced with the same thing. My points dropped alot and I made ontime payments.for 43 months, and that's what they told me from creditwise. I use the XXXX  account to buy a camera to make videos. the payment was {$42.00} a month for 12 months for {$510.00} starting from XX/XX/2020. I received a statement last month stating I have to make payments {$81.00}. Why the change? I don't know. This is the month of XXXX and I owed {$410.00}. This is surely a bad deal. So I paid them off with the stimulus check.along with the balance from XXXX XXXX card. And that's when My Score took a serious and unfair dive. I did noting wrong to deserve this action. 
One more thing. I used the platinum for XXXX  XXXX I had paid off, And I used the card for XXXX XXXX and I gain 8 points! 
Please HELP! I need it badly ... Is this punishment for paying creditors?
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I found out my XXXX  child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Consumer complaint received 2024-10-17
Product: Credit reporting 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: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (VA)

The XXXX fund transfer authorized by me is sent to a wrong account and my bank, Citibank, N.A., is refusing to refund. 

On XX/XX/2019 I made a XXXX authorization to transfer {$200.00} to my niece, XXXX ( XXXX ) XXXX, and the money was never transferred to her. The money was transferred to the person named XXXX XXXX. I am confident that I correctly keyed in my niece 's telephone number and asked Citibank for the record of telephone number I typed in and the account number linked to that telephone number but I have not received it. The only proof Citibank provided is the transaction record showing the transfer made to one XXXX XXXX and the record does not show the transfer is linked to the telephone number I entered. 

The case number is XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (PA)

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal  obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the  company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2020-09-19
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: JPMORGAN CHASE & CO. (OK)

In XX/XX/2020 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX called ( targeted ) my XXXX  XXXX wife stating he could sell our unused timeshare weeks. She discussed the process with him at length and was told by XXXX that it would not take long to sell these weeks. After more than 2 hours of discussion and promises made by XXXX he pressured my wife to purchase their service right away. They made her sign a contract with both of our names on it, but never received both signatures of the owners. I was not involved because my wife thought the issue was resolved since we had not been provided any proof of services that they allege were provided. 
Going back to a week after the transaction my wife began to feel uncomfortable with the perceived deception she contacted XXXXXXXX XXXX XXXXXXXX and XXXX assured her that they would sell the weeks and to be patient. Still concerned that she was deceived she contacted Chase dispute office and opened a claim. After indicating to XXXX that she thought he was deceiving her, XXXX told her that the weeks would be sold within 90 days. Chase validated our home address every time she called and she waited for the correspondence, never to arrive. The Chase Executive representative stated it was not a Chase problem after leading us to believe they were working on it for 7 months. 

After 30 years as a customer I will be changing banks due to Chase allowing a company to deceive customers and Chase unwilling to do anything about it.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX