davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for discover Bank to close this account due to it being fraudulent identity theft account. 
Instead of closing the account Discover Bank used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

I've been trying to remove a bank abuse claim on my chexsystems that has made it extremely hard for me to have a bank account with any reputable bank. This account that they have on my report was a bank account that was made when I was a minor but never made those purchases that were listed on the account before that account was closed. During this time I was a victim of identity theft as I also have reports from this time where a credit card was made in my name when I was still a minor. I do need some help in having this removed from my report.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gotham Collection Services Corp. (CA)

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
SHARONXXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXXXXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (TX)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, Experian and/or XXXX ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such.

I writing to dispute the following inquiries and asking for their removal from my credit report.

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved.

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX   Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank Checkngo/XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient is charging me fraudulent amounts for one of my loans.

XX/XX/19- Loan was current with a monthly payment of {$30.00}XX/XX/19-Loan was current with a monthly payment of {$30.00} XX/XX/19- Loan had a past due balance from XX/XX/19 of {$220.00} I have screenshots to reflect this history of transactions.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

Established contact via email with Franklin Service regarding an alleged medical debt I owed on XX/XX/XXXX with XXXX XXXX in the amount of {$250.00}. A proof/outline of the debt was requested and a printout was sent to verify I was in communication with the right company that matched the letter they sent. On the same day, I requested an itemization of the debt from XXXX in order to verify the debt was real. I followed up further with XXXX on XX/XX/XXXX as an itemization of the debt had still not been provided. XXXX then sent a response confirming that an itemized statement will be sent. 

After no contact or response providing the requested itemization of the debt from Franklin Service, I received a phone call on XX/XX/XXXX harassing me for the debt again. I then requested the same debt itemization breakdown over the phone and they confirmed they would work on sending it to me as I couldn't pay the debt without validation. 

As of XX/XX/XXXX I received a response from XXXX at Franklin Service stating that they are still working on getting an itemized statement. It has still not be provided to me. Per 1006.34 Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. Please see attached email messages regarding communication.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My account was fraudulently hacked on XX/XX/23 for {$4000.00} dollars. After XXXX months of going back and forth with the bank they told me what I was stated was not consistent with what had happened, Mind you, these XXXX transactions happened in a matter of 4 minutes totaling over {$4000.00}. I had asked for a call back from the bank of numerous account from their " resolution team ''. Not once did I receive a phone call. I spent countless hours on the phone explaining my situation and provided documents which they requested. They then sent me a letter dated XX/XX/23 that my account would not be credited and that my story did not add up. I requested to talk to the person who worked on the case specifically and was told " you can not talk to them, no one can ''. I asked how someone that has never spoken to me can tell me that the money that was taken out of my account fraudulently can come up with that determination. The " resolution team '' member told me there was nothing they could do. This took about 2 months for someone I'm " not allowed '' to speak with to tell me my money was gone. Banks are FDIC insured and it seems like Huntington didn't want to be on the hook. Not only did they get my bank information they also hacked my XXXX and were able to obtain boxing tickets with my money. I was a customer for over a decade with them and this is how they treat their loyal patrons. I called in again after I received the letter notifying me that the matter was " closed '' and that was it. I felt robbed of my own hard earned money and left me in a complete bind financially. I was forced to open another account with a different bank just so I could access money. They held an additional {$3600.00} from me as a new direct deposit had went in during this time and had nothing to do with the ongoing " investigation ''. I finally received this money after XXXX weeks. All in all I have now out over {$4200.00} and am being told there is nothing left to do on their end. I would never wish this horrible experience on anyone. The amount of hours, stress and financial strain I have occurred during this process has been psychologically straining to say the least. Huntington National Bank allowed someone to access my account and took XXXX accountability after all the documents they requested from me were sent to them within minutes. Again, PLEASE stay away from this bank.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX # XXXX  XXXX *Account # XXXX XXXXXXXX *Account # XXXX  XXXX XXXX XXXX XXXX *Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX
Consumer complaint received 2019-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc. (FL)

After sending a " request for validation '' letter to Automated Collection Services Inc. 
XXXX XXXX XXXX. XXXX, TN XXXX in XXXX of 2019, I received back a letter from XXXX XXXX XXXX that have 3 separate letters with 3 separate accounts attached that I received back on XX/XX/2019. Also along with the letters are attached copies of my medical records. However, none of the letters have any form of my signature that is required to " validate '' the requested debt. 
Furthermore, according to the FCRA ( Fair Credit Reporting Act ) Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the originally signed consumer contract-any and all accounts for your credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Unless receiving a signed document with my signature, this company is currently in violation of my HIPPA rights under federal law.
Consumer complaint received 2023-11-30
Product: Credit reporting 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. (VA)

Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXXXXXX XXXX - XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the FTC to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. I appreciate your prompt attention to this matter and look forward.
Consumer complaint received 2023-11-28
Product: Credit reporting 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 have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I made a payment on my credit card on XX/XX/2023. I did not know that the payment did not go through. On XX/XX/2023 my card was declined on multiple transactions. I called chase and found out a payment was not made so my card was suspended. I told them I paid on XX/XX/2023 and that I had the same problem earlier this year. The rep said he would reverse the late fee, remove the interest charge and process the payment for {$9900.00}. After the payment was made, he refused to reinstate my card. I called in to chase on XX/XX/2023 to get my card activated. I was told that no payment was made the night before. I have asked chase for the recording of the phone call and they have not provided it as of the filing of this complaint. I asked to make the payment again and wanted my card reinstated. The rep said it could not be reinstated until the payment was received from my bank. She said this could take days. I called into a local branch and asked if i paid the credit card with cash or a cashier check, would chase reinstate the card immediately. The girl I spoke with asked her supervisor and was told yes. When I arrived I was told by the branch manager that my card would not be reinstated until the next day. I told him that I was told it could be done immediately and he told me that I did not hear the rep correctly. This is gaslighting. He didn't hear the conversation, nor had he spoken with the rep. When I asked to hear the recording, he changed the subject and called me hostile because I kept asking. He refused to help me any further and said the teller would take my payment. When I approached she was immediately rude to me. I placed my card down too hard for her liking and actually said to me " can I ask you why you feel like you can act like that? '' Act like what? Frustrated? I am so sorry that my justified frustration with your company bothered you. I took my card back and left. I couldn't believe how terribly I was treated. I went to a different branch and was helped immediately. However chase has still refused to reactivate my card. I was told that as soon as chase received payment from my bank, that the card would be reactivated. Chase has lied to me. I need my card reactivated immediately. I need the {$40.00} late fee refunded. I need the interest charge removed. I need my credit to be put back into good standing.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NC)

I've noticed that a debt of {$280.00} is on my credit as a collection. Apparently it's been on there for almost 3yrs now. I've tried disputing this before, as I have no idea where it's coming from. I recognize the company that has put me collection, but that debt was paid in XX/XX/2015 when I moved to my new address.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In the accordance with the fair credit reporting act this creditor kohls/ capital one has violated my rights under 15usc 1681 ( a ) section 602 states I have the right to privacy 15usc 1681 section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (HI)

Barclay 's Bank. XXXX XXXX XXXX. On XXXX XX/XX/2019, 3 days ago, a credit was recorded on my account for a purchase which was refunded in the amount of {$340.00}. Three times yesterday my card was denied at merchants for amounts less than {$25.00} each. 
I went online and, as is 100 % of the time, the amounts reported on the website are inaacurate and do NOT add up. The website states : Credit Limit {$500.00}, Current Balance -  {$150.00}, available credit {$1.00}. 
I charge on average {$2000.00} per month on the card to get XXXX XXXX mileage. 
I have to visit the website 5-8 times a month to see if transactions have posted ( often takes 3 -7 days ). The website will not allow payment of transacations listed as "  temporary transactions ''. Once the transactions finally post I make payment in full. The payments often take 2 - 7 days to post. Making a turn around time for credit to be available of 5 -  14 days! 
100 % of the time the Credit Limit less Current Balance does NOT equal available credit. 
Spent an hour with Barclay 's Bank representatives today. A supervisor told me that the {$150.00} credit on my current balance was available today. Attempted a purchase and it was denied. 
Called and spoke with another supervisor who told me the credit in my Current Balance was NOT available until temporary transactions post. 
For 4 years I have charged and PAID OFF around {$2000.00} per month on this Barclay 's Bank XXXX XXXX XXXX. 
Barclay 's Bank refuses to increase my credit line based on my history with them. 
Website gives innacurate and misleading information 100 % of the time. 
Supervisors give untrue information. 
System is extremely flawed to not make refunded amount available to consumer.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The company is Experian. I have tried for XXXX days using different numbers to tell them that my account has been hacked. I know this because my monitoring company XXXX XXXX sent me an alert stating that my credit freeze had been unlocked. I tried to go on the website, but it didn't recognize my login information, so I requested a code to change my password and the computer 's response was they didn't recognize my email address or phone number. I want to get this corrected but there doesn't seem to be a way other than mail correspondence which could take XXXX or more days.