davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (TX)

I noticed a collection on my report that was disputed through XXXX and XXXX. When I asked TrueAccord to provide me with validation to an updated address and copy of my signature given TrueAccord access to my personal information. I received an email instead of mail and have been receiving text messages, emails and phone calls of this debt that has no validation form sent to my address. I have asked them to stop contacting me because I have no knowledge of the account and I closed the account with original creditor months prior to the alleged date debt is due.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Investigate the following accounts that fraudulent charges were made and inquiries : Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-11
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: JPMORGAN CHASE & CO. (MI)

I made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — Store credit 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. (CA)

I never even got the card in mail and I have dead to never ever maxed it out and they wont take it off my name even after I sent them the identity test deal they still didnt take it off. I had to go to the IRS and through the Social Security department to clear my name for minion cards in this one dont takeoff my name.
Consumer complaint received 2024-05-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (FL)

I received a title loan from InstaLoan/TitleMax in 2023. I lost my job shortly after due to being laid off. When I got the loan, I purchased insurance just in case of unemployment so I contacted the company quickly in an attempt to get my payments paused temporarily. They never responded to my request and continued to harass me for payment daily. Ive been paying off this loan, now far more than the original amount due to interest and late fees. They call me every single day, sometimes multiple times in the same day. This far exceeds what is allowed by federal law.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (GA)

INQUIRIES FOR ACCOUNTS THAT ARE NOT OPEN ACCOUNTS. DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THEM. I APPLIED FOR A HOME LOAN THIS YEAR ( 2023 ) ONLY AND WAS DENIED DUE TO CREDIT REPORT.
Consumer complaint received 2023-04-24
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. (AL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureaus to validate the account ( A ). I hope the disputed account is now updated. 
Please fix this account : XXXXDEPT OF ED XXXX Balance {$5700.00}
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a Capital One Spark Business card. 

I received XXXX large credits from XXXX XXXX to the account from XXXX concerts cancelled during covid. XXXX was on XX/XX/XXXXXXXX  for {$3700.00} leaving a large negative balance in my account of {$2400.00} on my XX/XX/XXXX statement that was cancelled out to {$0.00} by my XX/XX/XXXX statement. I never received a check for this credit on my account. 

I then received a {$630.00} rewards credit on XX/XX/XXXX as well as a second large credit from XXXX XXXX on XX/XX/XXXX for {$1000.00}. I was issued a check for {$1500.00} and cashed it reflecting these XXXX credits. 

I filed a complaint with CFPB about the first large credit for {$2400.00} and never receiving the money despite Capital One cancelling out the negative balance from my account. They responded to that complaint with information about the second credit. But those are XXXX totally separate items.
Consumer complaint received 2024-01-12
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. (DC)

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. 

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 has violated my rights. Or a list of inquiries : 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 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I have been charged for a month subscription since XXXX of XXXX each month for XXXX up until XX/XX/XXXX. I did not notice the transaction until XXXX of XXXX. I filed a dispute with Chase Bank credited back all 6 months of charges and then reversed. I then contacted the merchant, XXXX, and they credited back 4 charged on XX/XX/XXXX and sent me a receipt showing 4 credits. I sent this document to chase, filed a claim, chase credited me back 3 charges and the reversed the credits. Chase at this point closed the case and will not reopen a dispute. I have contacted the merchant and they gave me transaction number. I contacted Chase and they stated the transaction number do them no good. I need help
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX and I am a Paypal user with email address XXXX I have been using my PayPal account very perfect but all of a sudden PayPal decided to block my account 24 days ago and asked for documents to unlock it and upon providing the documents, PayPal said it would take 1 business day. 

However, it's taking longer and PayPal has not unlocked my account. 

I would want PayPal to fix things right
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I called the company about up to date the information on payment arrangements so they can send information to the credit bureau to post that I have paid on time and update on the loan amounts should change. When I called customer service and spoke with a lady, she stated that they don't have to update to the bureau until the balanced is XXXX, then they would report it. I did file for dispute with the company twice and no respond. I filed disputes with the XXXX credit bureau which they put my credit score on hold for 30 days, when they responded and stated that they was still waiting for the company to response. I would had to file again. I have the payments conformation statements, and payment arrangements on file. please help so I can correct my credit score to show that I have made payments.
Consumer complaint received 2020-07-30
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: JPMORGAN CHASE & CO. (CA)

I dont even have the exact dates because thats how unprofessional Chase representatives are, I had the chance to deal with XXXX who worked at the mortgage lending department of Chase. We decided to apply for a mortgage and she was the one helping us out she had no idea what she was doing it seem like it was her very first application, she took down all my information pulled my credit seemed very confident in the work that she was doing and now its been over a month and she has disappeared. We never got her contact information as promised like she said she would forward to us and we have had not the opportunity to reach out to her because no one knows who she is! She pulled our credit, we had over XXXX scores and then ignored us
Consumer complaint received 2023-04-24
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I had agreed to the company payment arrangement. When the company withdraw from my bank account and I waited for the bill statement to show that I started making payments, nothing was posted for four months. The company kept posting to the credit bureau that I never made a payment. When I called the company customer service every time, they would state that I would have to wait for it to update in the system but in the same time they keep taking my money and sending to the credit bureau I haven't paid my bills. For now, it's been 6 months going to 7 waiting for an update.
Consumer complaint received 2024-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Filed a not as described claim with Capital One on XX/XX/XXXX Amount XXXX Merchant- XXXX XXXX XXXX XXXX  a celebration charter for our XXXX anniversary, I was promised decorations and a surprise entry. There were no decorations and the crew celebrated by drinking and smoking during our charter. I initially requested XXXX from XXXX, but was denied compensation. XXXX XXXX XXXXXXXX provided XXXX, and I refused that amount. I then presented a dispute for XXXX with my bank, and was also denied compensation. Capital One stated there was no contract, but there was an invoice and emails stating that the owner did not do as promised. The credit was returned to my account twice, and finally I was told I needed a contract? Also the dispute was extremely confusing because Capital One combined my dispute with XXXX XXXX refund that I refused. ( Same account number? ) When I would call to inquire they were not able to understand what case number I was addressing. It was very confusing and I requested they fix it, it was never done. 

I feel as if I should be compensated because I made the purchase under false advertising. This charter specializes in celebrations. We did not celebrate, the crew was fishing and partying during our charter. I brought a playlist, the DJ played what he preferred. The captain and crew were drinking and we were served our cold meals with the crew. I presented pics as well, and XXXX does not promote drinking during the cruise, but the owner and crew can drink? I took pics because I was not celebrating and I was bored the little time we spent on the yacht which was approximately XXXX minutes and they were fishing. It was suppose to be a XXXX hour cruise celebration. 

Again the owner agreed to his failure to provide services via text, which I submitted as well. Only to be told I need a contract? 

I feel the dispute was handled very carelessly and you can see they even apologized and told me to disregard the letter sent on XX/XX/XXXX? Also sorry for any inconvenience, well the entire process was an inconvenience, plus I received XXXX dispute updates and resolutions? With a dispute and refund combined with the same case number? Completely frustrating and tiring.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (SC)

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-XXXX : XXXX  XXXX XX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.
Consumer complaint received 2023-09-07
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. (NC)

In accordance with the Fair Credit Reporting act North Carolina XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (FL)

Subject : Synchrony Bank Please see numerous complaints similar in nature CD # XXXX opened XXXX XXXX XXXX XXXXXXXX month term Funding initiated within the XXXX business day window. Proceeds were debited from external bank account on XX/XX/2024, however did not show up in Synchrony Account until XX/XX/2024. I was informed that the initial stated interest rate was lowered from 5.5 % to 5.0 % due to delay in funding. 

Contacted Bank and was told I could close account with only a XXXX day early withdrawal penalty Notified account was closed on XX/XX/2024 but XXXX month penalty would apply Contacted the Bank on XX/XX/2024 about the delay in receiving my funds and the penalty issue. Was told it takes them XXXX days to close the CD and another XXXX days for me to receive the funds.In addition, they admitted making a mistake on the penalty and informed me the additional funds should be received within XXXX days. 

My assertions : Synchrony Bank is using less that professional standards processing credits and debits by delaying tactics which allows them to use clients funds as float, thus earning additional interest income. ACH debits/credits are not subject to these long delays. 
Please investigate all relevant complaints similar to mine