davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
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: DISCOVER BANK (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.
Consumer complaint received 2018-03-27
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: Experian Information Solutions Inc. (FL)

I have disputed incorrect account reporting information with Experian, supplied them with undisputable legal documentation reporting error only to be told that their investigation has validated the information. Their validation of accuracy was sent to me the day after I initiated my dispute, so it was not investigated, nor did they even review the documentation I furnished them with.o Dispute of inaccurate reporting filed XX/XX/XXXX regarding 2 inacurate records from XXXX XXXX. Received notification XX/XX/XXXX that information was verified.XX/XX/XXXXXXXX XXXX dispute for inaccurate reporting. XX/XX/XXXX notified information was verified. XX/XX/XXXX XXXX XXXX dispute opened.XX/XX/XXXX verified. XXXX XXXX, same situation. This company is not following FRCA act and needs to be help accountable! These records are hindering my ability to obtain much needed credit.
Consumer complaint received 2018-03-27
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. (NC)

On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, Transunion, XXXX, And XXXX and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX  ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX  has removed this incorrect negative file off my reports as of today & I feel that XXXX   and Transunion should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

information on my report is false & invalid for years Equifax Company is in Violation I am writing to formally dispute, discharge, and demand the immediate removal and blocking of several adverse accounts and negative items currently listed on my credit report. These items have significantly affected my credit score and quality of life, and their continued reporting is in violation of multiple federal and state laws, as outlined below.

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) and I demand that this fraudulent information be blocked and removed from my credit report immediately within 4 business days.

Attached is the Notarized FTC Report & The Un-notarized Report And Other Documents
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/year> a credit card application was applied for from WFBNA CARD bank in my name. 

On XX/XX/year> a XXXX XXXX XXXX credit card was applied for in my name. 

I did not apply for either of these credit cards. 

I contacted both Wells Fargo and XXXX XXXXXXXX to submit a fraud application.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Goodafternoon, my problem is that I did a mobile deposit to my bank ( Capitol One ) in XXXX XXXX of a {$1500.00} check. This was on a Friday, so I expected my check to be cleared on that Saturday. That didn't happen so on Saturday I went to a local branch to find out what was going on. I was told it was going to take a couple of days for this to happen. About 3 days pass by and I called the Bank to inform them that I wanted to cancel the check, the representative that I spoke with told me there would not be any problem in doing so because I informed him I needed the money so I was going to cash it at Check cashing place. Doing so he proceeded and informed me there would not be a problem with him canceling the check. I went and cashed my check elsewhere. On XXXX XXXX I realize my account has a negative balance of {$1400.00}. I called the Bank to find out why and they informed me it is because they adjusted the amount to my account. I asked to speak with a manager and I explained to her the situation and she informed me that once a check is deposited there is no way of canceling the check, but I clearly told her I had called and spoke to someone and they told me otherwise. She said she was going to retrieve the calls and find out what was going to happen, the representative told me someone would call me in 3-5 business days, and I heard from no-one. I proceeded and called back 5 days later and she informed me someone was trying to get in touch with me, but to my understanding no-one called me nor left me a message to call back. She told me someone was going to call me again but again no-one did. So today on XX/XX/2018 I called and no-one gave me an answer the representative I spoke with told me the same thing as before. He didn't give me a way to solve my problem or any other options.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

TD is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. TD has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recoveries, Inc. (UT)

There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more  identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!
Consumer complaint received 2024-10-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I puchased a vanilla giftcard at XXXX on XX/XX/year> for {$75.00}. the card would not activate. I called the company they requested an email with a picture of card and receipt. i emailed them all documents. Have called them and emailed them several times no response. checked online with the case number given and they closed my case. No card was ever mailed to me or money refunded.
Consumer complaint received 2018-03-27
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: AMERICAN EXPRESS COMPANY (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Received a letter from CITI on XX/XX/2018 stating I would receive a {$150.00} refund due to credit adjustment for certain fees previously billed to my Sears Account for a debt protection program offered by Citibank NA which was a result of an agreement between Citibank NA and the Office of Comptroller of the Currency. The letter states the refund would be applied to my account handled by XXXX XXXX. I spoke with XXXX XXXX in XX/XX/2018 and they stated the refund check was returned to Citi in  XX/XX/2018 because my account has been closed for over 10 years. Everytime I call XXXX XX/XX/2018 I was told to call back in one week to receive " update on recovery '' of the refund check which I did call back XX/XX/2018 and was told to contact XXXX XXXX,. Explained I had already spoken to them and so Citi gave me another telephone number to call which I did on XX/XX/2018 and was transferred to their recovery dept and was told they show nothing to contact XXXX XXXX. Tried to explain I had previously done this but could not get any further information, I just want to know where my {$150.00} refund is or is this some type of fraudulent letter from Citi?
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have attempted to dispute an incorrect address that is listed on my credit report with Experian in writing and via telephone with customer service agent. Experian " verifies '' this address as correct and refuses to remove this incorrect information. I was the victim of fraud, as indicated by the fraud indicator on my credit report with Experian. I am aware that companies may report my address incorrectly and that there may be multiple individuals with the same or similar name as mine and incorrect information may be incorrectly added, but it is Experian 's responsibility to conduct a complete and accurate investigation and to ensure that only correct information is included on the report they provide. The address XXXX XXXX XXXX XXXX XXXX, CA XXXX is not mine and inaccurate and needs to be deleted from my credit report immediately to avert further fraudulent activities.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My payments continue to increase every month on my house payment. First, they said it was the escrow, but when I call my insure. person and the tax building nothing had gone up. Then, that mortgage co ( XXXX ) sold my contract to SPS, the first payment to be made AFTER XX/XX/2017. My payments are due on the XX/XX/XXXX of every month so I sent my XX/XX/XXXX. payment to XXXX. The New company SPS, harassed me on that 1st payment and has added a XXXX charge ... I wasnt late. I also, sent to them the check that cleared to XXXX for the XX/XX/XXXX. payment. My payments have gone from being XXXX to over XXXX per month now! something is not right! Can you please help me??
Consumer complaint received 2018-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

I paid XXXX XXXX phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named Diversified Consultants saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.
Consumer complaint received 2024-10-01
Product: Credit 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: ALLY FINANCIAL INC. (ME)

I hired XXXX XXXX XXXX d/b/a XXXX painting company for exterior painting work. Shortly after he started the exterior work, he provided a quote for additional interior work as a separate job. He then pressured me into providing a deposit for the interior job, which I reluctantly paid under duress. He said in order to pay his guys for the work they were doing on the exterior work, he needed my deposit then and there. 

As work on the exterior proceeded, I discovered numerous issues, including poor workmanship. Most notably, XXXX of XXXX XXXX 's employees irreparably stained my brand-new mahogany door. I didnt want my door stained and his employee selected a solid stain XXXX and applied it without my permission. 

On XX/XX/year> XXXX XXXX and I had a phone conversation about how displeased I was with his exterior work, he offered to refund me my deposit for the interior job which had not yet started. 

After our phone call I texted XXXX XXXX that, pursuant to our phone conversation, I would take his suggestion to cancel the interior work and get a refund of my deposit of {$2100.00}. He agreed to refund that amount and asked for a few days to process the refund. 

On XX/XX/year>, I texted XXXX XXXX to find out the status of my refund. 

On XX/XX/XXXX he said he hadnt processed it yet and that he would asap. 

On XX/XX/XXXX I texted him again asking when I can expect the refund. He never responded. 

On XX/XX/XXXX I texted him again asking for an update. He informed me he still hadnt processed the refund. I told him I would give him XXXX more weeks before taking further action. XXXX weeks went by and I never heard anything else from XXXX XXXX so I contacted Ally for assistance. 

I have documented texts between XXXX XXXX and myself proving he canceled the service and promised a refund. Despite this, XXXX XXXX refused to return my deposit for the canceled interior work. 

Initially, Ally Credit Card determined that XXXX XXXX owed me the money, and my account was credited accordingly. However, Ally has now reversed the chargeback based on XXXX XXXX 's claim that " if the consumer cancels the job, the deposit is non-refundable. '' This isn't a valid reason as XXXX XXXX himself canceled the job and promised a refund. 

I have been trying to resolve this dispute with Ally for almost a year now. I have documentation on both XXXX XXXX and Ally to prove my assertions. 

Thank you very much for your help with this unpleasant matter.