davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Dispute of Negative XXXX XXXX Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative XXXX XXXX entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX of Late Payment : XX/XX/22 Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to XXXX  XXXX XXXX I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my XXXX XXXX has been negatively impacted. 

XXXX Attempts : Upon realizing the issue, I immediately contacted the customer support department XXXX XXXX XXXX XXXXXXXX to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with XXXX  XXXX XXXX regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I reported a fraudulent application was submitted in my name to Capitol One and is reporting on my credit. They initiated an investigation at that time. 

Finally on XX/XX/XXXX, after I'd initiated several calls to inquire about the status of their findings, Capitol One confirmed via phone they'd learned of the status 3 days after I'd reported it failing to send any written communication. This is unacceptable. I am demanding a general letter from them confirming the application was indeed fraudulent as they failed to communicate a timely status of their findings and that I did report this to them. They are refusing to provide a general and formal letter confirming the application was fraudulent and they have closed their investigation. I am demanding they provide such general written communication in order to file an accurate police report with my local police department. They have 7 days to provide me with the written communication and I would like to know what my rights are if they continue to refuse.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I received both a text and email from Chase confirming if I authorized a charge or not on my debit card. The charge was from XXXX XXXX XXXX for {$120.00}. I have never heard of this business. Not only that, but I also never use my debit card except at the ATM. 

I clicked No and immediately tried logging into my Chase account. My Chase account had been locked, so I called Chase 's fraud department. I was asked to verify my identity and found out there were XXXX charges for the same company for a total of {$340.00}. The XXXX XXXX also went over my account details and found out that an email, phone number, and android device were added to my account that were not mine. An unknown phone number is still on my account with area code in XXXX. I've never even been to XXXX. The phone login from a XXXX device still shows on my account. I've only used Pixel phones for the past several years. Moreover, this business XXXX XXXX XXXX does not even show up on XXXX Maps XXXX 

So, Chase credited my account and then on XX/XX/2023, I received a letter in my Chase account stating that they found the charge to not be fraud and that " We have found that the transaction ( s ) was processed according to the information you provided or was authorized. '' and that they will remove the {$340.00} on or after XX/XX/2023. I don't understand why as even my account shows that there was someone who illegally accessed my account. 

I called them on XX/XX/XXXX after receiving that letter asking to escalate and they said the claim was closed and I had to fax in information that shows this was fraud. They couldn't tell me what information I needed to provide but I faxed them everything I could also on that same day. There has been no new information since.
Consumer complaint received 2017-10-20
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: EQUIFAX, INC. (GA)

I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.
Consumer complaint received 2023-05-17
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. (OH)

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXXXXXX XXXX on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED TRANS UNION AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MI)

collection agency reported to XXXX twice that this is my debt based on one old contract they say has my signature. I never ever ever signed anything with original creditor, XXXX, and sent the collection agency proof that back in 2017 I wrote an email to XXXX staff telling them the debt was fraudulent.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXXXXXX, I received a solicitation for a credit card with 25 months 0 % APR. However, once I got approved, the disclosure stated that I would only get 20 months of 0 % APR, expiring XX/XX/2025. Because I chose this card, I forewent other cards with much better benefits ; this card had no cashback or points, which I only accepted because of the long no-interest period.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXXXXXX XXXX XXXX XXXX  I was selling a treadmill that I longer needed because I was moving, on XXXX XXXX. I then get a message from someone saying they wanted to buy it and that they are very interested because they are moving to the state that I was in so that it would be better for that person to buy it here. This buyer then tells me she can send me a cashiers check for the item, I agree because I didnt think anything of the person buying, at the time this person gave me their phone number and agreed to meet up with me the weekend of them picking up the item. I received check, everything was fine until it came to depositing, turns out check was fraud. The bank that I banked with at that time closed my account completely did not try to help me at all, I can not bank with no financial center, I cant open a debit or credit card account, this is very upsetting to me Im not sure what to do.
Consumer complaint received 2023-05-17
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. (MS)

I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.
Consumer complaint received 2023-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Recently, I have begun tracking the history of my student loan in depth and I have noticed a few discrepancies. 

First, as of XXXX/XXXX/XXXX Navient took over 10 late payments off of my credit report and my report went up 55 points. I have been living for 3 years, unable to get a car or a mortgage, because of my credit score. I had filed complaints with their Office of the Customer Advocate and with XXXX via the XXXX XXXX dispute feature. 

Second, there is documented occurrences of mishandling of my payments, most recently being the payment on XXXX/XXXX/XXXX with {$0.00} going toward principal. They have been misallocating my money for years. Causing deeper problems than I can quickly fix. They mislead my mom and I for years and werent clear on some terms/due dates around XXXX XXXX. They have caused irreparable damage to me and my family. My mom XXXX in XXXX and my loan went up {$300.00} after they sold the debt to another company. I cant afford to input into society like a normal American because of their exorbitant XXXX XXXX/month and no ability to change it. My balance continues to rise on the student loans. 

Third, and lastly, revisiting the issue of misallocating my payments, I am still dumbfounded as to why my 3 oldest loans are my 3 most expensive loans still. This is due to misallocation from my automatic payments that have been set up. There is no reason these loans should be -17 % of the original balance 10 years later.
Consumer complaint received 2023-05-17
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)

I can not believe I have to keep dealing with this, my identity was stolen and was used to open account with a bank which is reporting on my credit report as XXXX XXXX XXXX. I do not know who opened this account nor do I know how my identity was stolen. This account was opened on XX/XX/2022 and the account number is XXXX and the stolen amount is XXXX. I need this account blocked and deleted off my credit report immediately. I have even tried getting in contact with the company however I was told the account was sold off to another company and when I call that company they tell me something completely different. It's like i am a toy to these big corporations. I need this removed ASAP, I can not wait any longer this is unbeilable.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Per instruction, My husband and I opened two joint accounts in Citi Bank on XX/XX/XXXX and XX/XX/XXXX, and totally deposited more than $ 350K into Citi to qualify its advertised promotion program " XX/XX/XXXX Lunar New Year Promotion '' for Tier 4 ( $ 300K+ ) reward. According to its term, the reward will be available for customer to pick up at their branch by XX/XX/XXXX. But it never came. I contacted XXXX XXXX, Citigold Relationship Manager several times ( Please see attached file for email correspondences ), his first response to me on XX/XX/XXXX was : " We still waiting for more shipment. But I will put in request to see when they are coming '' Then on XX/XX/XXXX was " So sorry XXXX XXXX, we been having problem with our promo department. I will call once it come in '' Then on XX/XX/XXXX, He called me and told me that the Citi promo dept does n't think I am qualified for this reward, because one account primary hold is under my husband name. This is totally not acceptable, as such a rule has never been disclosed or clarified in their promotion advertisement. Even their account manager XXXX XXXX, who handled our accounts does n't know such a rule or he is not trained properly to be aware of such rule.
Consumer complaint received 2023-05-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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.

This company responded to the last complaint with out providing proof of written authorization and is Illegally using my credit report. I demand proof that these account ( s ) are mine.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (IL)

I have disputed 12 times the payment information being reported to Experian on XXXX XXXX XXXX  account # ending in XXXX by XXXX XXXXXXXX XXXX. Every pervious dispute XXXX has stated they are reporting said account accreted in accordance with FCRA LAWS when in fact they have not been reporting accurate information for pass 6yr and I have sent repeatedly the same supporting documentation invaildating XXXX claim they are reporting accrated info in accordance with the FCRA LAWS. SO AT THIS TIME I'M DEMANDING THIS ACCOUNT BE REMOVED I SPECIFICALLY ASKE IF ONE ERROR IS TO BE FOUND ON THIS ACCOUNT BEING REPORTED TO EXPERIAN AFTER 12 PREVIOUS DISPUTES THIS ACCOUNT NEEDS TO BE DELETED. There was 4 error corrected on XXXX account on XXXX XXXX and still two errors currently reporting inaccurate information XXXX has had numerous of opportunities to investigate my consumer concerns and have dismissed every single one of my disputes. When in fact they have been knowingly violating my consumer right for years. To continuously report false information is fraud and XXXX has committed fraud I have attached two reports for what XXXX has been reporting for over 6yr now and the most recent 5 reporting error they corrected.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One credit card services charged {$10.00} for a {$30.00} transaction with XXXX XXXX on XXXX XXXX for financial services. Capital One said it was a cash advance. I never received any cash because the funds were collected by XXXX XXXX. No matter, several customer representatives explained that my agreement give then the right to charge a greater amount as opposed to a lower average fee for cash advances. And thus it was a XXXX XXXX, which I few a a very high rate of interest for a one day transaction. ( I had a {$15.00} credit on my account. ) After talking to several people, Capital One finally said the {$10.00} fee was for a wire transfer. I continued to argue that this was a simple credit card charge, and XXXX XXXX represented it as a credit card charge, not a wire transfer. They failed to explain what are the differences between a credit card and wire transaction. The both use the same wires. Besides, XXXX XXXX represents the charge as a credit card transaction. They were simply charging {$10.00} by renaming the transaction. 

The ref number and authorization code will beaded to the following field.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

I received a {$1700.00} loan against my car. I told the rep I only get {$200.00} in child support and am NOT working! He said that he would make sure the payment was {$100.00} a month or less! I was told to electronically sign the screen, which I did, and that he would get my rate! He said he did but refused to give me any paperwork! He said it's all done electronically and that I could view it online. I've called over and over and still don't have access. I'm now being told my payment is over XXXX a month,!!! This has to be illegal!!!!