davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to  correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I  opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern
Consumer complaint received 2018-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.
Consumer complaint received 2023-11-05
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (TX)

I was XXXXXXXX XXXX and lost my card so I called to make a payment over the phone and they refused debit card payment and it was my only way to pay and when I tried to resolve the issue the dug into my past payments and reported me agian for missed payments from 7 years ago
Consumer complaint received 2024-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below XXXX Capital one XXXX XXXX XXXX Capital one 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-08-19
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: Synovus Bank (CA)

This account was opened fraudulently & is reporting on my credit report. I have reached out to XXXX, XXXX XXXX XXXX to delete account. They have said the furnisher ( First Progress ) has verified information which can not be true or confirmed.
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

Per CFPB the debt is medical and was transferred to the collection company., have been harassing me to pay and put it on my credit report illegally as anything under {$500.00} owed can not show up on my credit report. asked them to remove several times but wont.
Consumer complaint received 2024-06-17
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. (AR)

This account does not belong to me and I would like for it to be removed from my XXXX, TransUnion XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has continued to report inaccurate information on my credit report. A previous request to validate information being reported resulted in items being removed. A violation of the FCRA occurs when information that has not been validated is reported, contrary to 15 U.S.C. 1692g. Student loans are being duplicated and balance amounts are inaccurate. Payments made have been added to the balance rather than deducted. This is gross negligence on their part and has caused me great financial and emotional hardships. I have been denied credit due to low scoring of my credit report due to the inaccuracies. I have been unable to obtain housing for my family. I have been denied credit for personal, family and household purposes. This is defamation of my character which gives a false impression that I can not handle my own affairs
Consumer complaint received 2024-06-26
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: CITIBANK, N.A. (TX)

Citi failed to declined a charge on my credit card in which I disputed less than 24 hours from the charge date/time and while it's still in pending status, Citi fail to handle this issue as a result of relaying on automated systems and/or AI rather than a human review of the disputed charge when first reported, and now Citi reporting the charge to credit reporting services as a late and/or unpaid payments, and I keep getting alert from XXXX that there is late unpaid payment reported by Citi.
Consumer complaint received 2024-04-17
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. (PA)

Hello I am XXXX XXXX i am reaching out to delete the following information on my credit profile. The items listed in the report are not mine and need to be removed immediately, i am a victim of identity theft. I reported the theft of my identity to the FTC and also have enclosed copies of the Federal Trade Commission identity affidavit. Please delete these items as soon as possible to correct my credit file. Thank you for your time.
Consumer complaint received 2018-11-28
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: Capital Credit and Collection Service, Inc. (TX)

My wife went to the same XXXX  that I was using and had XXXX XXXX XXXX. They never fit right and XXXX XXXX nurse and my wife had words and could not resolve this issue. My wife refused to pay and they just reported it to credit bureaus. It was on her credit report and she disputed it and it was removed. It was then put on my report as collections {$3400.00}. My XXXX   work was always paid by me or insurance. XXXX XXXX  office was Sold to XXXX XXXX who refused to correct the issue afterwards.. the debt was transferred to my Account under my SS #. Filed a fraud report to police and after investigation they said it is a civil matter between us. XXXX XXXX has passed away and they still refuse to help. They said there done it was turned into collection!
Consumer complaint received 2023-09-13
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. (FL)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my profound frustration regarding the blatant disregard for credit reporting laws evident in the ongoing presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries persist without resolution. 

Your failure to address these accounts, despite clear evidence of their fraudulent nature, constitutes a violation of the laws governing accurate reporting. It is evident that the bureau is neglecting its responsibility to thoroughly investigate and rectify inaccuracies. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of an FTC report and thorough investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
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: PNC Bank N.A. (PA)

PNC BANK CARD SERVICES XXXX XXXX XXXX, PA XXXX 2012 XXXX Statutes of limitations of Pennsylvania have been expired.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received two emails from XXXX, with the first saying " Congrats, you're an administrator at your company '' and the second saying : We've successfully received your order. 
XXXX XXXX : XXXX Order Placed : XX/XX/XXXX XXXX, Thank you for shopping with XXXX Your order is processing and we'll email you as soon as it ships. Click below to view your order details and the latest status information. 

I immediately logged into my account and noticed that someone had hacked into my account, changed my password, added a company ( XXXX XXXX ), and managed to place an order using my credit card and email address to the following address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX. Note that both the billing and shipping address were the same. I currently reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I have lived in XXXX since XX/XX/XXXX and have never lived in XXXX XXXX 

I notified XXXX of the fraud, and managed to kick the other person out of my account. XXXX claimed to try and cancel the order, but failed to do so and said that they wouldn't refund me due to the product leaving their distribution center. 

In parallel, I notified Chase and had them mark the {$940.00} charge as fraud while also canceling my credit card. They said no problem and I went ahead and changed all of my passwords for all accounts ( banks, newsletters, health, and more ), thinking that was the end of it. 

On XX/XX/XXXX, I received a letter from Chase stating that they looked into the matter and the investigator came to the conclusion that the fraud was not fraud and I'm on the hook for the {$940.00} charge. I contacted them immediately and was told that while investigating, XXXX claims that it was me who placed the purchase... even though the whole reason for this is that I never placed the order and it was fraud! I live in XXXX and have no secondary business called XXXX XXXX... 

When I pressed the Chase agent over the phone, he says that XXXX claims that it's impossible to have their accounts hacked. I begged the agent to reopen the case, and I shared all of the details, including the XXXX invoice, my home address, and more. I told the Chase agent to look through my Chase banking history, where he will notice that the last time I visited the greater XXXX area was XX/XX/XXXX, and that the only time I've ever stepped foot in the XXXX was for an XXXX game back in XX/XX/XXXX. 

I've tried having XXXX refund me, but they keep telling me that there's nothing they can do since the product was shipped out to the fraudster. 

On the other hand, Chase keeps telling me that I placed the order... even though I obviously didn't. 

Can you please help me? If this was only $ XXXX, I wouldn't complain but we're talking about a significant charge of {$940.00}...
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XXXX XXXX, when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was XXXX and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

In XXXX of XXXX I disputed charges on my Business Checking Account under company name XXXX XXXX XXXX with Navy Federal Credit Union in the amount of {$10000.00} for charges on my debit card from a XXXX XXXX XXXX hotel located in XXXX, Washington. I informed Navy Federal that I did not authorize these charges nor ever stayed at this hotel. Additionally I contacted this hotel that had no record of my staying at this hotel but did have a record of my business debit card being utilized for a stay of another individual that has no relation to my company, after further investigation it was learned that no actual card was swiped for this stay but a manual transaction was conducted billing my card several times from the time frame of XX/XX/XXXX thru XX/XX/XXXX. In XXXX of XXXX Navy Federal Credit Union denied my claim saying no error occurred and closed my checking account. Navy Federal Credit Union completely mishandled my claim and denied he recovery of my funds as this merchant failed to provide a reservation listed under my name, or a signature card bearing my signature or proof of an actual debit card swipe of my card at this hotel.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I also have a collection from XXXX XXXX for an apartment that i completed a full year lease and lived month to month for 3 months after completing my lease. I am not sure where the ridiculous amount of {$1700.00} came from because i did not have a balance at the time moving out in XXXX of 2021. The collection is hindering me from being approved for things and has caused me hard ship. The item has already been removed from my XXXX credit report and needs to be DELETED from my Equifax report.
Consumer complaint received 2024-05-24
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. (NY)

I have a credit report with a lot of old things on it from Experian reporting agency that been on here for a while XXXX and XXXX XXXX my credit score is near XXXX or XXXX. Experian has things On my credit that that doesnt add up with the other two reporting agencies and its really setting me back as a natural person I am suffering mental anguish with my family as we are struggling to live my aunt just passed away and my grandmother things are hard as it is this stuff shouldve been off my credit report and credit
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

I received a forwarded letter from Jefferson Capital a collection agency that took over the balance for a Ultamate Rewards account from XXXX XXXX XXXX. I only have XXXX credit card through my parents that they manage for me. I was surprised to have received a debt collection letter for something that I am not responsible for. I called XXXX XXXX XXXX  several times and they have refused to provide me any account information for a close account. They did give me a date when the account was opened ( XX/XX/year> ) which was XXXX months after I had moved out of my previous apartment and moved in with my parents. I never received billing statements because I didn't forward my mail because I always chose to have my mail sent to my parents house. I'm a college student and paying for everything myself. I'm very responsible with my money because I have very little of it. I take full responsibility for my mistakes and right my wrongs, but I am always trying my best to avoid making them so I'm not in these situations and can have excellent credit for my future. I need some help with this. I'm not sure what to do. I've hit some walls and everything seems to point to " you need to pay for something you didn't buy '' and I don't feel is acceptable.
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

my identity was compromised and i file a complaint with IDENITYTHEFT.GOV I HAVE MANY INQUIRIES THAT I DID NOT AUTHORIZE AND THE CREDIT BUREAUS HAVE FAILED TO REMOVE THEM ALSO XXXX XXXX SENT A LETTER THAT MY INFORMATION COULD HAVE BEEN OBTAINED THRU THEM TO SUPPORT MY CLAIM WHICH I WILL UPLOADXX/XX/XXXX
Consumer complaint received 2024-07-18
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: CLGF Holdco 1, LLC (GA)

Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.