davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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 (ME)

I placed an order for Isopropyl Alcohol on XX/XX/2020 through XXXX seller, XXXX  XXXX ( XXXX ). The seller charged {$26.00} for the alcohol plus tax and shipping ( total {$41.00} paid thru XXXX and placed on my Capital One credit card ). It was a gift for my sister who lives in XXXX, VT. I cancelled the order within a few hours because I found I could purchase the same item for {$2.00} at our local drug store and I determined that the seller was price gouging. The seller shipped it anyway. I contacted the seller through XXXX, XXXX and my credit card several times to resolve the issue and have submitted the requested documentation to the credit card company several times. I have documentation to prove that the package was refused by my sister and returned to the Seller through the US Postal Service ( The shipping method he used. ) In conversations with XXXX of Capital One on XX/XX/XXXX at XXXX XXXX. XXXX stated that the seller had a very weak case and there should be no problem in getting the charge reversed and that the seller had promised to reverse the alcohol cost ( {$26.00} ) but not the shipping. XXXX said if I could provide Documentation which showed that the package could be refused, Capital One would reverse the shipping charge also. The seller hasn't refunded the cost of the alcohol and Capital One electronic messages have stated that they need more information and closed the case. Capital One placed the charge back on my credit card on XX/XX/XXXX. 

I have all of the documentation that I can provide electronically
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (MI)

Avant credit card company is not applying my payments to my balance in a timely manner. My balance keeps showing up for more than I actually owe. They are charging interest on the wrong amounts. They also keep reversing payments. Last month I overpaid them and had a - {$230.00} because they have not been applying my payments properly. I requested that credit to be applied back to my bank account. My balance should have been XXXX. I have not used the card since the XXXX balance and there are no transactions on the card reflecting that the card has been used, This month Avant applied a {$800.00} charged to my account for no reason and when I called in and spoke with 3 different  representative at Avant, no one at Avant that I spoke knew what this charge is for. I have been dealing with these payment matters for months. The reps give me a run around about speaking with a supervisor and no supervisor has ever called me back even though I requested several times to speak to a supervisor as well as a call back. I have sent several emails and received no responses. It is also showing up on my credit report that I owe a balance that I paid off.
Consumer complaint received 2020-06-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX    XXXX, XXXX with a balance of {$150.00} -This is not my account.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: COMPUTER SCIENCES CORPORATION (MA)

CSC/XXXX  XXXX XXXX XXXX serviced my auto loan. At the end of the term of my loan they disabled automatic payment without notice and without my consent for the final payment. This resulted in the payment being late. I suspect this may be a deliberate practice to extract additional fees.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

About 30 days ago, in early XXXX, I received a bank statement from TD Bank claiming that I had overdrafted my account. Looking at the statement, I noticed that several money transfer services were used under my name ( which I did not authorize ). At the time, I immediately tried called the bank ... and after waiting on hold for about an hour I decided to send them an email requesting the account be closed. I have not heard back from the bank, and today on XX/XX/2022 I received a second banking statement saying that I still owed money for the overdraft. I believe my information was used to open this account ... an action in which I did not authorize. Please do not do business with TD Bank as they have refused to answer any of my questions.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

I opened a Milestone credit card a few years ago to build my credit up. Once I had good credit, I requested to cancel this credit card over a year ago, but a few months ago I found out I was still being charged for it.I called to get confirmation of cancelation and asked for a a letter stating it was canceled. I also asked for them to reverse the reporting. They are still reporting incorrect information even though this card has not been used by me in over a year and has been closed. This company is falsely reporting information on my credit report. Please remove. They are not only reporting under XXXX XXXX XXXX but also under milestone. This is not right.
Consumer complaint received 2020-06-26
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. (FL)

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have a credit card account with Bank of America and I've had one since XXXX. As of today, I have roughly a {$4000.00} credit limit, and a {$96.00} balance. Like many families during the covid-19 emergency, I am struggling. Today I had an emergency with an air conditioning unit and planned on using the card. Beforehand, I tried to purchase {$7.00} worth of merchandise at a convenience store and the transaction was declined. I opened the Bank of America app and discovered that I had forgotten to pay my minimum payment of {$25.00} due on XX/XX/XXXX. I immediately made the payment, and contacted Bank of America customer service to make sure the card would be available for use for my air conditioning emergency. An agent told me the card would not be able for use until the payment had posted. I explained the situation and the emergency and she stated she could not help. I requested to speak with a supervisor who relayed the same information. He further told me to have a " wonderful day '' after I had nearly broken down into tears over our emergency and the fact that the bank that I have been such a good customer of for so many years was not willing to assist me. I find it very disturbing during the covid-19 emergency that Bank of America will not allow its customers to use their credit cards due to a payment being 12 days late. Further, I find it repulsive that after they can verify a payment has been made, they will not allow the card to be used. I truly hope that the U.S. governing agencies regulating Bank of America will look at their practices, because if they are doing this to me they're doing it to others. It would infuriate me further, if Bank of America received any governmental assistance when they're treating U.S. citizens this way. Sincerely, XXXX XXXX
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (NC)

XXXX XXXX services sent me to collections for {$110.00}, they claimed I never returned my residential account equipment when they installed my business account in the same address. I changed from residential services to business account in XX/XX/XXXX. They waited over 1.5 years to inform me of this un-returned equipment. after they research the equipment and realized I didn't have it they removed the balance they claimed I owe them. Nevertheless, they already had send me to collections. The collections Agency is called IC System and they work for XXXX as their collector. IC system illegally reported erroneous information to my credit which is affecting my ability to obtain new contract in the line of business I work in. 

Now, it has been six months I've asking XXXX to provide me with some type of documentation to proof IC systems I don't own this money. XXXX  have submitted numerous amount of tickets with the intent to inform IC systems i dont owe them this money. However, this tickets have lead to no resolutions. 

XXXX refuses to call IC Systems and IC system say they dont call their clients to confirm the account status. I do have recorded conversations where they acknoledge they cant provide me with written documentation to resolved my dispute ; also, i have recorded my conversation with ic system where they acknowledge that they dont call XXXX. 

If they are doing this to me, i am sure they are doing it to other consumers as well. 

please, help me in getting this resolved and help consumers not having to jump thru hoops to be treated respectfully and fairly.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a New edd application and when i logged in my old bofa account i noticed transactions made during the time i was incarcerated and i gave no one permission at all to use it.my card was at home and my info is in my living room where i live so idk if someone found where i wrote my pin and found the card anyhow the reason they denied me was misinformation the person helping me on the claim never told me to send any documentation over .therefore denied me the dates of my incarceration are from XX/XX/2021 XXXX thats the farthest i can go within the year. ..my ex knows my information but she said shes not responsible if they were too look into the cameras they will see its not me on the cameras i told them this.the amount was around XXXX $
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I recently filed identity theft, and have retrieved FTC report. There are unauthorized inquiries on my account that I do not recognize. 

It seems my credit was fraudulently, and ran without my consent to multiple companies for the purpose of an auto loan. 

I have not given my wet signature authorizing any company to access my consumer report.
Consumer complaint received 2020-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed two rounds of letters to the three credit bureaus about incorrect information on my credit report. I sent letters on XX/XX/XXXX and still have yet to get a responds. It has been more then 30 days and no action has been taken.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MO)

On XX/XX/2020 Discover illegally filed litigation against the cardholder ( myself ) during the Pandemic. There was a stay of debt collection filed by the XXXX House, Discover chose to evade and sued cardholders. I settled with this creditor with the understanding they we to remove the credit reporting from the 3 credit bureaus upon satisfaction on XX/XX/2020. I have made several attempts to justify and ask them to remove the reporting inaccuracies, but they continue to ignore my kind request for removal, which was an agreement with the attorney representing the card company Discover. Now nearly 24 months later, the consumer is still negatively being denied and illegally penalized for paying off an account upon a court agreement. I followed what I agreed to and now Discover to own up to their agreement upon pay-off settlement. 

As shown in the document, the card issuer Discover is illegally reporting my account information to the 3 bureaus which is causing stress, and financial hardship for the consumer due to negative information being reported and updated. 

Per FCRA guidelines and regulations, the account is being reported incorrectly across all bureaus. 

Account number # XXXX XXXX XXXX is incorrect, dates are invalid, account rating is wrong on XXXX and I have spoken with Discover numerous times and explained this complaint.
Consumer complaint received 2022-08-04
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Over the past seven years I have had difficulty working with Experian on blocking fraudulent items. I have two police reports on file with Experian and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that Experian do not send did not attach police report to dispute .XXXX XXXX XXXX will return call in 24 hours per XXXX in fraud department XX/XX/20. 

Experian also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and Experian refused to update my credit score. 

Experian is asking for an extended police report. once again these are not new items on the credit report. Experian is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.
Consumer complaint received 2020-06-26
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. (CO)

Equifax and XXXX are incorrectly reporting that I am ( 120 ) days  late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.