davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit report is showing inaccurate information I am very concerned, because this is affecting my ability to get credit. I am single dad am not able to get a new apartment because of these errors. I am being ignored and XXXX is disregarding my disputes. This is a violation and I demand this be corrected by you.
Consumer complaint received 2023-03-13
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 (OH)

I left my card at the ATM or someone stole it. They went on a shopping / spending spree without the card company flagging for suspicious activity like they should. I did everything on my end such as freeze card, got replacement. I filed a police report I filled out the declaration of fraud paper and uploaded all to their site. They denied my claim due to ATM pin was used for ATM withdrawals. I don't agree however I never gave my pin out and the ATM is. Very open anyone could have been watching. However ; although I don't agree with their decision I guess it was negligence on my part to looses or leave card in the first place. But the on-line purchases which equal {$550.00} I can not understand reasoning behind the card company not crediting my account for. This was theft or fraud whichever it was not authorized by me. The card is the American express serve card which I had my federal income tax refund deposited on. I can not believe American express backs this unprofessional company. After not getting through to customer service for hours the getting hung up on or transferred to a representative that tells me she doesn't know and I'm unable to speak with someone in charge. I have requested all documentation from their investigation and they refuse to give that info to me. All I know is I got my refund of {$5000.00} and some odd dollars deposited to this card and I withdrew XXXX and never seen this card again and have no funds available to me. I am sickened by they way I have been treated and am desperately seeking help in this matter. I have filed a police report for theft but that is all I can do. Please help me!
Consumer complaint received 2023-11-22
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. (IN)

I have called them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 trying to get access to my account. When I try to log into the website, it says " Sorry, we're unable to process your request right now. Please try again later. ". When I try their app, it gives the same thing with a phone number to call. Calling the phone number gives me a robot to reset my password but resetting my password does not fix the issue. After maybe XXXX minutes of trying to get through the robot, I can finally speak with an agent who also tries to reset my password. Once I can get a word in and give all the details needed, they try to reset my password again which doesn't work. Once that is done, they tell me they will put in an escalation ticket but nothing ever comes from that. So far, I believe I have reset my password close to XXXX times just trying to get access to my Experian account.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My identity was stolen and they made multiple fraudulent charges on my cards. I informed the bank and gave them my identity theft report and all the information I had. They denied my claim multiple times. They are stating that the charges are not Fraud without any proof after I already gave them all information showing my identity was stolen. I requested copies of the documents they used to make this decision and they never sent me anything. Its been about XXXX months since the Fraud happened and they still have not refunded my money.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/year> I made a purchase using my XXXX line of credit through Citizens Bank at XXXX XXXX. XXXX XXXX cancelled the order shortly after saying they could not verify my information. I have made numerous calls to Citizens Bank ( XX/XX/year>, and 3 calls on XX/XX/year> ). I have even had XXXX XXXX reach out to Citizens Bank. Citizens Bank has refused to release my available credit stating XXXX XXXX has not refunded the purchase. XXXX XXXX said they refunded the money the same day.
Consumer complaint received 2023-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Account Name : Hyundai Motor Finance Account Number : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, The item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it as you know I have gone through a serious financial hardship, and this would help me with my credit in the future. 

Thank you so much, XXXX XXXX
Consumer complaint received 2023-03-13
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. (LA)

I am XXXX XXXX XXXX, bad health and no longer able to work and take care of obligations. I spoke with XXXX and the said that they would put me in a plan that would help my situation. They are reporting to all the bureaus and it hurts because Im not able to do whats needed to eliminate this problem.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (VA)

Approved for secured credit card with Discover. XXXX security deposit and XXXX credit limit. I paid early and consistently until I suffered a work injury that rendered me XXXX. My account balance was approx XXXX I asked why they could not apply deposit to pay off amount owed and even stated to keep the amount left out of the security deposit. I was told it had been charged off, however it was not until this year and the company charged me interest up until then. I did not use the card after the balance was XXXX approx, due to not having income but Discover decided to keep the XXXX security deposit, lied about the account being charged off and charged interest on my account. It's in collections now and right at XXXX owed. I also received reward checks every so often from Discover, money back on our purchases, I received a XXXX approx check back in XXXX, XX/XX/2023 approx from Discover and haven't used the card. Is this legal?
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I paid " XXXX XXXX XXXX '' {$100.00} on paypal for two concert tickets. She ( her name on XXXX was XXXX XXXX ) sent me the tickets, and then I later realized they were fake and would not work. Once I reached out to her to ask, she stopped responding all together.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

I was sent a letter by XXXX XXXX XXXX on XX/XX/year> that I had a remainder debt after I opted out of renewing the lease with them, the letter said they were willing to do a settlement if I paid 80 % of the total which was XXXX. That amount was paid on XX/XX/XXXX of 2024 which I have a confirmation number for. Since then each month they have me as delinquent going as far as sending it to a collection agency and marking it as pay-off. I have contacted them 3 times, the second time I got another confirmation number and last time I asked for a letter confirming the payment was settled which I got. I have disputed it with Experian 3 times but it always comes as ( verified/updated ) but the debt is still there, the 4 month of delay are still there taking my credit score from high XXXX 's to a low XXXX. XXXX says the report to credit agencies every 30 days but it still shows I'm delinquent, Experian doesn't seem to want to remove that delinquency and update my credit score. I don't know what else to do.
Consumer complaint received 2023-03-13
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. (WI)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft : 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 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 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 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( XXXX Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (NY)

I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE IN MY REPORT, VERIFY THAT 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
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and Equifax, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX Ive ordered Macys gift cards XXXX XXXXXXXX {$190.00} XXXX XXXX, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys  delivery XXXX XXXX ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys  and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take XXXX business XXXX. XXXX Ive contacted again, I was told wait a XXXX  more XXXX. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him XXXX going to file complaint about Macys, he asked me wait until next weekend, and as accommodation issued {$30.00} Macys  XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After XXXX XXXX struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).
Consumer complaint received 2024-04-12
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. (NC)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00}
Consumer complaint received 2023-03-13
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. (GA)

Dear XXXX, XXXX and Experian. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
Consumer complaint received 2023-03-13
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. (GA)

Dear Equifax, XXXX and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
Consumer complaint received 2024-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Payment Resolution Services (CA)

PRS rep during discussion a little while ago would not provide any further info other than my health care provider requested the collection and that I owed the money. Strange conversation as the rep on the phone seemed like she was struggling to validate these collections documents I received. She ultimately told me I owed four separate collections accounts, yet I received six separate demands for payment. No info received from collection agency to eliminate concerns of a scam in progress. 

My wife called the XXXX XXXX billing department last month with these documents in hand, she explained to the billing department what she was holding and she was told this is a scam and that I owed nothing according to their records. 

My medical coverage has not changed this year or last year, and I have {$0.00} co-pays per visit, per XXXX, and for medicines. 

PRS - Payment Resolution Services, mailing : Attn : XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. Phone numbers XXXX, opt XXXX. 

Refund requests received last month : PRS Acct # XXXX, Client Acct # XXXX, XXXX  Date : XXXX, Services provided after termination. Amount : {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, XXXX provided after termination. XXXX {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$32.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX, XXXX provided after termination. Amount {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$16.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$18.00}.
Consumer complaint received 2023-03-13
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 (FL)

I have a bj credit card and the credit card company closed my account with out my approval and know it showing on my credit report and the credit card company dont want to to give me any answer or information they just want me to pay the bill but I never approved for this credit card to be closed the credit card company is comenity bank
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. XXXX has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (RI)

This is completely inaccurate. 

XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX