davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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. (FL)

( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX Experian Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2020-05-08
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. (CA)

Can not access EXPERIAN Dispute Center online for the past year. " We're experiencing technical difficulties and can not access your report at this time '' is the message that perpetually appears. 
Furthermore, no one answers EXPERIAN 's published phone number ( XXXX ). Customer courtesy and service is totally lacking. 
Why should consumers have to purchase an envelope and stamp and go the the Post Office to register a Dispute in these troubling times?
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

On XXXX, I purchased an XXXX XXXX XXXX from XXXX store # XXXX, as part of new phone services. Upon return to my home in XXXX, I realize that there is almost no reception, so unable to make phone calls or use the data service. The next day XXXX, I returned the said phone back to the store and terminated the phone service. A return receipt was issued by the store. By XX/XX/XXXX, I began receiving bills from XXXX claiming that I owed {$870.00}, which was exactly the cost of the returned XXXX XXXX XXXX. I made numerous calls to XXXX sales and customer service to resolve the dispute. Customer service concurred that no payment was owed. Sales claimed the bill was valid. XXXX bill is sent to a collections agency called XXXX  XXXX XXXX, who sent me a settlement offer of {$520.00}. I wrote back to XXXX, rejecting their offer, with evidence of the phone receipt. They closed the file. On XXXX, I received notice from a second collections agency called Convergent Outsourcing asking me to settle for {$430.00}. Convergent also registered this debt in my credit report as collection delinquency. I wrote to Convergent with evidence of the receipt and received no response from them. I filled a dispute with XXXX  to address the matter. XXXX  completed the dispute by backdating the delinquency back to XX/XX/XXXX, even though they noted that the dispute qualifies for an FCRA. 
XXXX and Convergent Outsourcing have no factual basis to establish existence of this debt. All attempts to resolve this matter has been unsuccessful. The return receipt is attached with this dispute to show clearly that the store from which the transaction occurred received the phone and issued a return receipt.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

On XX/XX/2020 I arranged to transfer {$5000.00} to a vendor in XXXX. The number transfer is # XXXX. Payment was to be made in XXXX XXXX. I received a confirmation from Transferwise that the transaction went through. However, to this day the money has not arrived in the XXXX bank, nor was I refunded for the transfer by Transferwise. 

There was an error in the account number I originally provided ( where the funds were to be transferred to ), which I was advised would usually cause the receiving bank in XXXX to return the fund. 

TW has provided me with a copy of the payment confirmation issued by their correspondent XXXX showing the transfer was completed on XX/XX/2020 to XXXX  XXXX in XXXX. XXXX XXXX advised me directly that no such transfer was received by them. My vendor showed my transcripts of their bank statement for the period around XX/XX/2020 showing no incoming payment. 

I can not get anyone to talk to me. I have had maybe 20 email exchanges with XXXX and the answer is " we are working on it ''. 

It is now 7 weeks and I am asking for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. XXXX XXXX XXXX is reporting false information that is negatively affecting my credit score tremendously.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/year> My only employer is SELF I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One refuses to give me access to my account. For four months, they have been charging me and charging XXXX XXXX for an account they restricted because they refuse to allow my auto payment to process. My account was set on autopay since i had the account and unbeknownst to me, it stopped autopay and cause my account to be late. I Have called several times each month to speak to Representatives and i keep getting the same representative who refuses to send me to a manager and keeps making me send pictures of my license, for fraud team to review and months go by and no one calles me back or has any update. They keep charging my account but refuse to allow me to resolve the issues. I called have phone call log proof of me calling and the representative verifying that the license pictures were approved and waiting for response and promised I would hear back. This was XX/XX/2020. It is almos a month from then and have not heard anything no one has called, account is mow charged another laye fee for another month when i have restricted access. I have confirmation from the fraud tram that the pictures uploaded successfully and I should not have anymore issues and the late fees will be redacted from my account as well as my credit file and have yet to get to see anything of this.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I recently refinanced my house through XXXX XXXX  ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance. 

The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them. 

ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX  contract or not. 

I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L. 

ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX  INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.
Consumer complaint received 2020-09-17
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. (FL)

To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you
Consumer complaint received 2020-05-07
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. (MD)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

First I want to specify that this is not a duplicate so please stop the discrimination because my complaint isnt the addressed you are to continuing to let this company take undue advantage of me because of my race. They did approve a deferred payment on XX/XX/2019  and did not apply that payment to the end of that loan and are asking money because they didnt do what they said they would, now you need to make them send me in writing a retraction if they continue to refuse to correct my account information. This is direct and out discrimination and I can not believe you as a regulator think it okay for Capital One to collect double payments. Fine this company and correct discrimination. Please do your job as this is wrong, wrong ....
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to access emergency funds that were outlined by the CA EDD within this webpage https : //www.edd.ca.gov/about_edd/FAQs_The_EDD_Debit_Card.htm Under the section on the webpage identified as More FAQs and the second bullet point with bold font it has the following : How can I get cash from my EDD Debit CardSM for an emergency situation if I dont have my card? 
Bank of America can assist you with a domestic emergency cash transfer if you need funds from your EDD Debit CardSM immediately and are still waiting for your card to arrive in the mail. Refer to Bank of Americas Schedule of Bank Fees page for fee information on  emergency cash transfers and other services. To request an emergency cash transfer, you must contact the Bank of America EDD Debit Card customer service by calling : XXXX ( voice ) XXXX ( TTY ) Collect at XXXX ( if outside the U.S. ) When I click the hyperlink within the faq it directs me to the following page. https : //prepaid.bankofamerica.com/EddCard/Program/Fee As I research the fee schedule and determine what I am looking to accomplish is outlined in the section named Get Cash in the US with the following verbiage Emergency cash transfer, domestic {$15.00} All emergency cash transfers must be initiated through the Prepaid Debit Card Customer Service Center . 

This is exactly what I am trying to accomplish but Bank of America is incompetent. I called on XX/XX/2020 to discuss my request. I was advised by the phone banker that they were unable to fulfill my request and I needed physically visit a branch to fulfill my request of emergency funds. I visited a physical branch on XX/XX/2020 and was advised they couldnt help me and I needed to discuss my request with the prepaid card customer service. I am being sent in circles with nobody taking accountability. Further I am constantly asked for my debit card which I do not have and waiting on hence my need for emergency funds transfer to my financial institution. What I am trying to accomplish is in writing then I am sure it can be done but the level of incompetence is astounding.
Consumer complaint received 2023-10-10
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. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Spoke with someone named XXXX at XXXX. XXXX. When I told him that I don't agree with the debt, he told me I could either pay now or wait until judgment to dispute it in court. His exact words were, " I don't think the bank would make this up. '' When I referred to him as a customer service representative, he stated that he is a part of a litigation firm, inferring that he was an attorney, which I don't believe to be true. I was never offered a letter outlining the dispute and was given the impression that my only option was court or a payment plan. Additionally, the debt has passed the Ohio statute of limitations, therefore, suit can not be filed although he claims that such was happening. He was extremely rude and nasty, to make matters worse.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

3 weeks ago I found a money order that i drew out on my account with formerly known as Washington Mutual who is now Chase Bank. The money order was drawn out years ago but never cashed. I pulled the money order from my account with the bank but now because its drawn out on a now closed washington mutual account they will not honor my money order and refund it. Chase bought out Washington Mutual years ago but I was a customer with an active bank account that was transferred into chase when chase took over. So Chase should honor the money order being that it was drawn out on my account with them when they bought Washington Mutual. The money order is for XXXX dollars and has been returned to me twice even after i was told they would honor it if i could provide the account it was drawn from. That account number with Washington Mutual is XXXX. This account was then transferred to my now Chase account when chase took over. This complaint is made because i feel like they are stealing XXXX dollars from me regardless on how long ago the money order was drawn. Where did the money go? The money order was never cashed. Therefore i should be refunded regardless on time passed. I have been issued fees for depositing my money order twice after speaking to Chase and being advised it would be honored. 
My account now with chase is XXXX. This is the account that i transferred into when Chase took over Washington Mutual.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

My stimulus check is bottled up with American Express Serve ( dba American Express National Bank, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). 

The IRS notified me ( via an email ) that the funds were deposited into my Serve account on XX/XX/28 but it does not show up in my Serve account ( screenshot of IRS notice is attached to this complaint ). The Serve website says Serve would send him an email to notify me when funds have been deposited, but I've not received any email. And they are not taking any calls on their website. 

I have sent them a letter ( US Post Office ) but have not heard back. 

I've contacted American Express, the apparent parent company, but their phone reps say there's nothing they can do but take down my complaint.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Back in XX/XX/2020, I was approach to do a job as a XXXX XXXX. I check out the website and look legal. The company said that they would put money in my account so that I can purchase products they ask me to do during the task. On XX/XX/2020 Capital One credit my account {$3300.00}. With the money in my account and company said that no sales taxes will be charged. I went ahead and did the task on XX/XX/2020 which was to purchase {$3000.00} worth of Gift cards. Part of the task was to take picture of the gift cards and text them to the XXXX  company. We did the task as require of the company per their request. On XX/XX/2020 we found out that the gift cards were XXXX out and also Capital One took back the {$3300.00}. We did the task base upon Capital One deposit of XX/XX/2020. If there was a problem with the deposit they should have not deposit the funds in my account on XX/XX/2020.I talked with Capital One and keep being told they would call me back. I just received an statement saying we owe Capital One for this.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.
Consumer complaint received 2020-05-08
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. (WA)

I became delinguent with my XXXX XXXX credit card XX/XX/XXXX, its recorded as charged off in XX/XX/XXXX, experian records no data from XX/XX/XXXX-XX/XX/XXXX. I paid the debt in full thru XXXX XXXX in XX/XX/XXXX. After disputing status will not be updated, still states closed.experian shows as of today " XXXX written off. Updated XX/XX/XXXX '' which also includes a new " charged off '' status XX/XX/XXXX indicating a recent late payment. And no status has been reflected as paid although it has been and i have been subject to adverse abusive tactics by XXXX XXXX which seemingly is tied to my dispute. 

My concern is that in the fair credit reporting is it indicates its valid to report a " charged off '' status for seven years, and concurrently states that the seven years starts with charged off status. I dont know if this is a larger issue, however there seems to be a problem with the language to protect consumers.im unsure if this is valid to move forward with notifying XXXX  XXXX, however unless im understanding incorrectly this is unjust with reporting especially when the debts are paid. A similar action was adversely taken against me with another paid collection XXXX credit card, which resulted with multiple late payments, even though debt paid.