davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One customer service rep who I spoke with on XX/XX/XXXX lied to me over the phone. I spoke with this customer service rep over the phone for about 15 to 20 minutes maybe even longer. She advised me that my credit card was still active. She told me over the phone that if I made the credit card payment of {$110.00} that it would push my credit card out 60 days and it would be active for 60 more days. She also put me on hold for a while and then came back to me over the phone with a new payment arrangement. She told me the payment arrangement was that they will not add anymore interest to my credit card until I pay my deliquent balance. I was in a car accident and had serious injuries so I missed one of my payments a few months ago and that's why I had called them to let them know that I would like to make a payment. I made the payment and she said my card was good and would remain active. Unbeknownst to me she lied and charged my card off! And, I have called several times and they stated they would research it and then they told me an employee listened to the conversation that I had with the woman and the woman told me your card is going to be charged off when that is a flat lie!!! A bold face lie!! The woman never said charge off. She said my credit card would remain active for 60 more days from the day I made the payment on XX/XX/XXXX. And, Capital One will not reserve this charge off even though it is a complete lie. I could not believe that someone would just lie and state they heard her say that when she did not. I need help!! I need for Capital One to be honest and turn my card back on and correct all 3 of my credit reports. I need for them to correct this mistake they have made. Please help me!!
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This Person ( XXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for XXXX XXXX incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with XXXX XXXX, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be zeroed out.
Consumer complaint received 2024-05-31
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: Maximus Federal Services, Inc. (SC)

I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as Paid without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/2024 {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were XXXX The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : XXXX XXXX payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/2024. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being Aidvantage sent me the attached letter and has updated my account that XXXX loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/2024.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have an account with Chase bank. On the day of XXXX XXXX  I woke up XXXX and upon checking my email I found few emails from XXXX XXXX from XXXX XXXX to XXXX XXXX stating your transaction has been successful, the money has been picked up. I panicked and checked there were two transactions made from my account and {$990.00} was sent to XXXX XXXX in XXXX. Upon checking the emails further the hackers had tried to send {$990.00} twice and they were successful in picking up just one transaction. There were two charges on my account for {$1000.00} that {$990.00} and the {$34.00} charge from XXXX XXXX. I called XXXX XXXX right away and told them that I did not send the money and its a fraud, they told me they could not do anything as the money has been picked up and they can not refund it and I should contact my bank. So I called chase bank and told them what had happened. They opened a claim and gave me a temporary credit for {$1000.00} but on XX/XX/XXXX they sent me a letter saying that chase has done its investigation and therefore has determined that it is an authorized transaction and debited the money from my account and I called them to ask more information about their decision and their reasoning was that the information like my name address phone number and email matched that is why it is authorized transaction. But this reasoning doesnt make sense because it was hacked and when people hack someones information they wouldnt hack the wrong information and if the information wouldnt have matched the transaction wouldnt have gone through in the first place and I wouldnt have to be battling with it like this. So the bank asked me that they could not open the case again until I bring any proof that proves that I did not authorize the transaction. So I went to the police to file a report and I also filed a report with FBI. i also called XXXX XXXX and they have a fraud report and the case number. But they would only provide it to law enforcement. I went to the police station and asked them if they could call XXXX XXXX and get the report so I could provide it to the bank and get my money bank but they told me that they didnt have enough resources to do it. I went to the bank frustrated and the bank manager filed a hard complaint for me and the escalation department from chase called me and I told them the whole story. They sent me the research chase had done. In the report the IP address from where the transaction was done shows North Carolina and on an XXXX  device. I was in California sleeping in my house when this happened and I use XXXX. I told them this and yet they have denied my claim. I also had provided them the proof of my clock in and out from work to prove I was in California. At this point I have no other choice to file this complain and potentially go to small claims court as this is wrong and the bank is not protecting my hard earned money which with great trust I put in their bank thinking it was safe.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (MS)

I strongly believe that Santander accepted a forged credit application from my car dealership to force me into a high interest, XXXX  car loan. My credit was not poor. They also neglected to inform me of an internal scoring system. I was unable to make an informed decision when buying. 
None of my car payments went towards the principle balance of the loan, only the interest.
Consumer complaint received 2023-11-07
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. (VA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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. (CA)

XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2023-04-21
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. (AZ)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Consumer complaint received 2023-02-15
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
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. (NY)

I am writing to strongly oppose your decision to reject my identity theft claim. I question your authority and legal standing to determine whether I have been a victim of identity theft. You lack the necessary expertise or jurisdiction to make such a determination on my behalf. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. Please have these items REMOVED from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (MI)

From XX/XX/XXXX to XX/XX/XXXX once a week I get my employment pay check have been since XX/XX/XXXX direct deposit more than half of the time from then to now. I work for XXXX. XXXX does offer XXXX  XXXX, so my check gets sent to the XXXX  XXXX  company then XXXX  XXXX  would send it to my direct deposit with chime ... every XXXX  around XXXX XXXX  I would get my checks on my chime debit before I even started getting XXXX XXXX  ... when I got XXXX  XXXX  in probably late XX/XX/XXXX the remaining amount left over from my XXXX  pay check that I didn't take out daily would be on my card on XXXX  XXXX.. the chime credit builder card was now my direct deposit card through chime of course... I had signed up for a subscription or something that I didn't plan too and forgot to cancel... so I locked my card and when I would get my checks I would transfer from my chime credit builder to my chime debit well I lost my credit builder card n debit card also lost my phone so i couldnt verify the phone numebr and chime stated every email I'd given was wrong.. I know at least one of XXXX or XXXX i gave out was it ... my direct deposit has been thru the same place XXXX  same time since XXXX of last yr.. my social security number didn't change neither my address... I ordered new cards to be sent to me from chime the lady stated I would have a virtual card on mobile app until my cards arrived... but I wasn't getting anywhere after about 30 plus emails... of them asking for selfish XXXX my drivers license and even the date XXXX my drivers license and email I did that email at least XXXX times... I've called even XXXX  XXXX  said they would override it but could take 4 to 6 weeks.. they said nope chime had to deal XXXX it ... the new cards came in the mail... I activated both credit builder XXXX chime debit my {$460.00} was not on the cards either one I had XXXX balance... I also had a whole new account XXXX routing number so that messed up my direct deposit... I call and ask to speak to a supervisor and they say the same thing if I want to have the email or whatever I just want access to the online account chime said I needed to email XXXX my issues they asked if I could send them an email from my original account to verify.. I told then I couldn't do XXXX an email back it's been 2 weeks XXXX nothing from them.. the last conversation they closed my account but can't tell me what or where my money went
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-30
Product: Credit reporting 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 would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with XXXX XXXX XXXX, XXXX, XXXX, and Experian, providing them with the following complaint reference numbers : XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Experian XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX  XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to Experian at XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (NY)

I am contacting you about inaccuracies and incomplete information in my credit report that need your immediate attention. 

The basis for my dispute is that your agency has not provided adequate verification for the debt in question. XXXX and XXXX have already corrected this account in their records due to an identified error. I am puzzled as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I wish to dispute this account : XXXX XXXX XXXX.