davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — Store credit card
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 (PA)

ccount Name KOHLS/CAPONE Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$900.00} Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX kohls, charged off never sold to third party. if KOHLS did a profit/loss I need to see tax report! if unable to show proff of tax write off, they must remove from all three credit reports asap
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have tried multiple times to get them to correct the false reports that XXXX XXXX is putting on my name is already sent them the proof needed I won't send it again the company XXXX letting XXXX report a collection and state it's from acount started in XXXX however they don't give the paymentbhistorwy for that time I closed this acount in XX/XX/XXXX and I was billed after closer for service XXXX was not authorized or even on
Consumer complaint received 2023-03-14
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. (GA)

XXXX. Certified letter sent to Experian on XX/XX/2023, regarding investigation of a 30-day late regarding : Account Name : XXXX XXXX  Account Number : XXXX XXXX. Received results from Experian that 30-day late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Experian.

3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account PAID AS AGREED. 
XXXX. Called Experian Disputes to obtain proof of verification of the 30-day late and did not receive.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

On XX/XX/year> they allowed my account to be breached and sent some 1 to use my checking account that was attached to them to send XXXX  transactions XXXX of {$2000.00} and XXXX of XXXX. I have talked to them just for it to get no where on many times. They refused to give the stolen money back as well as say I sent it bc they have a recipe. There is no IP adress on who sent it or nothing and they also banded my account after I report them here the first time due to there illegal activity also why there is a XXXX XXXX dollars class action lawsuit against them. But I want them to provide up address to who sent it and I want them to give my money back
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I am writing to lodge a formal complaint against Comenity Capital Bank regarding their debt collection practices for my account with The Children 's Place. My complaint centers on what I perceive to be a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to the frequency and nature of their communication attempts. 

Account of Events : In the past week, I have received an excessive number of calls from Comenity Capital Bank, detailed as follows : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls These calls have been persistent and have often occurred at inconvenient times, without providing me with a reasonable opportunity to discuss my account or the alleged debt, which currently stands at {$120.00}. 

Reference to Laws and Regulations : I believe these actions by Comenity Capital Bank are in violation of the FDCPA, which prohibits debt collectors from engaging in conduct that can be seen as harassment, oppression, or abuse. The volume and pattern of calls suggest an intent to annoy, harass, or intimidate me into making a payment.

Impact on Me : The constant and relentless calls from Comenity Capital Bank have caused me significant stress, XXXX, and disturbance to my daily life. This situation has affected my mental well-being and my ability to maintain peace and privacy within my home.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information.

I am attaching copies of all the letters I previously sent.

You need to remove this inaccurate information from my credit report immediately.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (IL)

I received a credit alert that a credit account was requested from GINNYS on XX/XX/XXXX. I called GINNYS on XX/XX/XXXX, and alerted the telephone representative that I did not request a credit account from GINNYS and advised this was identity theft/fraud. The telephone agent claimed the account would be closed as a fraud account. 

On XX/XX/XXXX I received a credit alert that GINNYS flagged the account as delinquent and reported to credit agencies. 

I called GINNYS on XX/XX/XXXX, and advised to the telephone agent of my communication on XX/XX/XXXX. 

The telephone agent claims the identity theft suspect called and reopened the account in XX/XX/XXXX. The suspect submitted a check, and GINNYS reopened the account and shipped an item. The check bounced and the account was reported as delinquent.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-08-07
Product: Credit reporting 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. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX  was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have XXXX unauthorized inquiries listed on my credit report. These inquiries are as follows : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX These inquiries are a result of identity theft and were not authorized by me. Additionally, they are not linked to any account on my credit report. The presence of these unauthorized inquiries is adversely affecting my creditworthiness. 

I urge you to investigate this matter and ensure that these inquiries are promptly removed from my credit report.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XX/XX/XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (WA)

This complaint is filed against Chase Home Mortgage. As stated in the previous complaint against XXXX XXXX XXXX XXXXXXXX ), a payment was made to Chase Home Mortgage using an online bill pay application from XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$330.00}. The payment was intended for a different entity of Chase ( Chase Amazon CC ). I acknowledge that I selected the wrong Chase entity, but that does not mean any money was owed to Chase Home Mortgage and it should be returned. We used to have an account with Chase Home Mortgage some time ago, but the mortgage was paid in full/closed and no further funds were due to them. I have contacted Chase Home Mortgage several times seeking return of funds and they have claimed over and over that it is not their policy to accept payment on a closed/paid in full mortgage. It seems both banking entities involved here claim the other is responsible for resolving this issue and both claim they no longer have the funds. XXXX XXXX can provide no proof that money was in fact transferred to Chase and Chase claims they would not accept it if were. There is {$330.00} that seems lost within the banking system and I as the consumer is the one not getting help from either bank. XXXX XXXX claims Chase has the money and should be the entity that returns it to us. On a recent phone call on XX/XX/XXXX I spoke with XXXX at Chase who claimed they were still looking in to it yet I hear nothing unless I spend time on the phone trying to resolve this issue. The {$330.00} is somewhere, there should be a trail of when it was sent and what happened to it, yet here we are.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters out XX/XX/2023 to XXXX, TransUnion, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TN)

We paid off our XXXX with KIA Finance and never received our title. I contacted KIA Finance and found out they mailed it to an address that doesnt even exist. I have tired to go through avenues to fix this including the XXXX, in which they took MONTHS to get back to me then sent a rude letter when they tired twice to finally call me when I was out of the country and they are still refusing to send us the Title. They got our money but our car ownership is in limbo since they mailed our Title to a non-existent address.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NV)

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX XXXX I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I previously wrote a review on the XX/XX/XXXX and had someone reach out. Since then my situation has only become worse. After waiting 5 months for my savings ( + $ XXXX ) to be cleared due to insurance we waited for the date of money being released. On that date, I couldn't log in to my account so i went to my local chase only to find out they took it upon themselves without warning to close my account and said they would now be mailing my savings to me. I was told I would receive it within XXXX business days and we are now XXXX days with no update. They gave me a tracking number that has not been updated since the XXXX of XXXX, XXXX has been called with no further update and now Chase says we need wait even longer if we want to void the check and get a new one sent. 
This is so unprofessional, I feel as I am living a nightmare. This is my entire savings they just take their dang time getting back to me. First of all, a little communication to tell me my account was going to be closed and for a reason. Secondly, we have $ XXXX just casually being sent in the mail and my entire savings. I fell like no one truly cares and just passes me along, all i am asking for is my money back and ASAP to end this nightmare. I would love for someone to reach out and make this right. Get me a new check mailed over night so we can move on.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. ()

I paid my loan of XXXX XXXX XXXX and XXXX  XXXX XXXX, but till now it was not updated in credit report. It was reflecting unpaid. Account is also showing active. I f it was already paid then it should be updated close in my credit report.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i have submitted several disputes to all the major credit reporting bureaus ( XXXX/Equifax/XXXX  ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date Equifax is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. XXXX is reporting date of last activity as XX/XX/22. Equifax if reporting date of last activity as XX/XX/22. XXXX and XXXX are reporting date of last payment as XX/XX/22 but Equifax reports it as XX/XX/22, which again makes me question if this account is even mine. Equifax is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all XXXX bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.