davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

TO WHOM IT MAY CONCERN : I am writing this letter because Bloomingdales has incorrectly reported that my credit card account had late delinquent payments in XXXX and XXXX XXXXI am asking that the error be corrected, and the reporting of the delinquent payments be removed from all three credit bureaus as previously reported to by Bloomingdales due to the explanation below. 
In XX/XX/XXXX, due to a security compromise, it was necessary to close my checking account and open a new one, which I did. In XX/XX/XXXX, I had a balance due on my Bloomingdales credit card account which I successfully paid on-time and in full using my new checking account which brought my balance to XXXX. However, the automatic payment feature was still active and tied to the checking account that was closed in XX/XX/XXXX. Bloomingdales attempted to withdraw a second payment from the closed account which was rejected by my bank., even though I had a XXXX balance. I spoke to customer service agent XXXX # XXXX and she confirmed that Bloomingdales did not have the technology to recognize the {$XXXX} balance when the automatic payment feature attempted to withdraw a second payment. 
Bloomingdale went on to charge my account an NSF fee of {$27.00}. 00. Since my current checking account was debited for the total balance due on the payment due date, XX/XX/XXXX, I had no reason to think that any fees were billed or that I was delinquent with any payments to my account. It wasnt until XX/XX/XXXX that I made this discovery. I called customer service and they removed the fees, however, Bloomingdales reported to that I was 30 and 60 days delinquent to all three credit bureaus. I even spoke to supervisor, XXXX # XXXX, who said that it would be removed. A week later I received a letter from Bloomindales saying that the derogatory report could not be removed. Thank you for your time in correcting this urgent matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
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. (PA)

All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate  on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2020-04-13
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. (GA)

On XX/XX/2020 Experian XXXX XXXXl sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by XXXX employee having committed fraud. As direct result of Experian XXXX XXXX ; Experian XXXX ; Experian Information Systems , Inc ( EIS ) and dba Experian XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure of ( 1 ) erroneous or false reporting of NYCSE accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent activities ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have tried time and time again and Bank of America refuses to refund the {$35.00} I was charged because of some XXXX XXXX that decided I need to be charged an NSF fee for an item that posted the same time a deposit of mine also posted. I also receive NO communication back from this company about one XXXX thing I complain about all I see are the responses saying they " have mailed a response. '' Give me a XXXX break. I have not seen one of these letters come in the mail as of yet. 

Also, because of these fools I have had {$100.00} stolen from me that was not returned after I at least gave the person that stole it the chance to return it, which she never did. The bank refuses to take any action on my part because my account # XXXX is closed and the sorry XXXX XXXX XXXX don't want to help me recover my money because they can no longer charge me monthly maintenance fees.
Consumer complaint received 2020-03-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have a voicemail from Ace saying I will be sued in XXXX XXXX and my job will be called to locate me. My wife got the voicemail as well
Consumer complaint received 2020-03-11
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. (FL)

My Complaint is regarding XXXX  XXXX XXXX  with whom i have had a Credit Card Account with for the past since XX/XX/XXXX. This account is still current and active. In XX/XX/XXXX they reported me 30 days late, i found this out in XX/XX/XXXX, i reached out to the bank and the issue was resolved and the late report taken off my credit report. I just found out that XXXX XXXX Bank later switched the XX/XX/XXXX report to 30 days late again. This is grossly unfair as this had been previously resolved, this is now dragging down my credit score. 


Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$690.00} {$950.00} Payment Info Status Current,  was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$35.00} Late payments XX/XX/XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable
Consumer complaint received 2024-10-29
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)

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. THE BUREAUS and 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 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 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, Chase Credit Card Services processed a payment on a credit card for full statement balance, when a lower payment was set on my end with autopay. I had my bank reject this, at a fee. They never admitted fault, but I updated my account to use the correct balance and double checked my settings for my other credit card to make sure it was set up correctly. On XX/XX/XXXX, they did the same with the card I verified on the XXXX was set up correctly and charged the full amount. They are saying this is my fault when I know I logged in on the XXXX and verified it was set up correctly. They are refusing to admit fault and refuse to accept my bank fees I have incurred as a result of their mistake.
Consumer complaint received 2020-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (WA)

On XX/XX/2018 I filed a claim against XXXX for fraudulent practices on their websites. I have filled my dispute and it was processed legally through my bank. Now two years down the line I receive a message from cedars buisness services claiming I owe XXXX money when I do not. They are both intimidating me even though my bank has already filled the dispute two years ago. They claim I owe over {$200.00} when I do not owe any outstanding fees over {$200.00} I have no idea where they came from randomly.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

In XXXX of XXXX, I refinanced my home with XX/XX/XXXX( aka ) XXXX. They had paid my taxes due for XX/XX/XXXX. Homebridge who was my current lender at the time claimed they also sent my property taxes - Homebridge was in the process of merging - since my property taxes were paid at the close of escrow, Homebrige should have issued a refund for the excess of balance. I have been calling Homebridge for the last 11 months. There first claim was they paid my property taxes on XX/XX/XXXX. I sent them proof that my taxes had already been paid. Every time I would call they would say they needed to get back to me. They called me XX/XX/XXXX advising me the the payment that was made on XX/XX/XXXX was for my XX/XX/XXXX taxes due. I advised them, that is not correct and showed them again the payment was taken from my escrow account from Homebridge. The representative on the phone told me there was nothing else she could do- I asked for a supervisor to return my call and she said, I would have a call within 24 hours. I am 2 weeks still waiting for the supervisor to call. The tax payment was in the amount of $ XXXX since I then, XX/XX/XXXX( aka XXXX XXXX ) requested I proved them with a post dated check to refund them the property taxes and the homeowners insurance. I have been attempting to work with Homebridge to no avail - meanwhile, XXXX filed a law suit for the {$5100.00} & now I have a judgement on my credit report since I don't have an additional {$5100.00} laying around to pay back XXXX. As a consumer, I have no rights, no one is listening to me and it's me against these large companies bullying me and this is all the result of Homebridge not issuing a refund check. Now this is affecting my mental & physical state not to mention now my credit. Who and how do I resolve this and do I need to possible seek legal action. I also need Homebridge to issue the refund & also provide a letter to the courts to have this removed my credit report. I am essentially paying through escrow and XXXX 3 times the amount of $ XXXX and no one cares - I NEED HELP
Consumer complaint received 2020-04-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls Credit Card serviced by Capital One. 

We have literally contacted kohls 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet kohls has failed to reflect that payment on the account. We have emailed Kohls over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call Capital One the hold time is HOURS. 

Today kohls just reported the account as PAST DUE after we again contacted KOHLS asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!
Consumer complaint received 2020-04-13
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. (GA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-13
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. (TX)

During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to Experian resulting in a one point credit reduction.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (PA)

Someone who mumbles his name ( XXXX XXXX ) has called multiple times ( over 20 ) from XX/XX/2019 to present day XX/XX/2019. He leaves a call back number XXXX and a reference number : XXXX I have three saved messages from this guy and over 20 calls with no messages.

this person is now calling my relatives as of XXXX XXXX, 2019. This person claims to be representing American Express. The American express company and I completed our business over three years ago with in their view : me not paying them what they claim I owe.

I am not disputing or wanting you to address the claimed owed. It has been settled and this collector is abusing with phone calls ( first one I told him live over the phone I am not interested in re-opening this dispute, it is closed and to STOP calling. 

I have noticed XXXX XXXX calls from multiple numbers all beginning with XXXX.xxxx He claims to be with American Express XXXX American Express has written off the account balance and I have not heard from them in two years.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

In ordinance with the Fair Credit Reporting Act, XXXX account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

A while back fraud occurred on my account. I had the person responsible charged and prosecuted. I'm still being held accountable for something clearly I didn't do. I have written into there security department on several occasions to no avail. On on occasion XXXX guy call me back and simply said I wasn't worthy of being a member because he did like my question
Consumer complaint received 2020-03-10
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
TOYOTA MTR No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-10
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: Innovis (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one  of the fraudulent addresses above.
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This is the second complaint. I had filed a complaint about Rash Curtis collecting a debt that the hospital had recalled because I paid the hospital directly. I incurred in interest, lost wages trying to find resolution to this ordeal. 
According to XXXX XXXX Hospital Rash Curtis agreed to debit me back the interest on the duplicate accounts but has refused to do so. The amount is close to 300 dollars. This whole ordeal needs to end. The CFPB did not do anything the first time and took Rash Curtis statements accurately instead of believing me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On my credit report there are incorrect addresses. I never lived at or did business or used any of these addresses. The incorrect addresses on my credit report are : a ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

The second incorrect address on my credit report is : XXXX XXXX XXXX, XXXX, Florida XXXX. 

None of these addresses below to me. So delete these addresses from my credit report immediately and update my credit report with the correct address.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the XXXX promise they stated consumers would have one full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement with XXXX. I want this removed!