davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (MO)

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, my life insurance company premium payments began to not be accepted by my bank 's bill pay despite using them for years to pay my monthly insurance premium. 

In XX/XX/XXXX after XXXX payments were rejected, I asked Capital One Bank to please provide to me the error message/documentation that they are receiving because XXXX denied returning any payments to the bank and needed this evidence in order to investigate because I made a complaint to the department of insurance regarding the payments not being accepted. 

Capital One would not give me the documentation that showed any errors/rejections and instead kept sending me emails saying they did it correctly based on what I entered even though I verified the address and account/policy number that was on the account was still the same ( and had again been paying this way for years before XX/XX/XXXX ). Each time I called in asking for a written explanation for why the payments are being rejected so that I can give them to the dept of insurance for my complaint, they ignore my request and send me a boiler plate email that states if i want the documentation they used to make the decision to give them a call. 

I have called in XXXX, and multiple times in XX/XX/XXXX asking for proof that they sent the payment to my insurance as well as proof that my insurance refused the payments. I do not know that they actually sent the bills and my account almost lapsed.
Consumer complaint received 2023-10-23
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. (NV)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

Toyota financial Gap insurance claims they guarantee auto loan protection. They refuse to pay off the insurance deductible. I have talked to them several times. They refused to pay XXXX XXXX XXXX XXXX the complete {$2500.00} deductible. My credit is being ruined because of it. The account number with XXXX XXXX XXXX XXXX is XXXX. 

XXXX is the vin You can use with Toyota financial Gap services.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

I received a letter with a credit card from Barclays bank. The account was opened on XX/XX/24. I as soon as I received the letter I called Barclays Bank to notify them of the letter I received and telling them I did not apply for that credit card. 

They started asking me for my personal information but I refused to provide the information becuase I did not feel confident providing the information because I did not apply for the credit card. I am not sure how they have my information. I am not sure if they are legitimely bank. They did not want to close the account because I did not provide them with my personal information. 

I also created a fraud alert in the credit report. 

can you assit me on having this account close?
Consumer complaint received 2018-05-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (NJ)

This complaint is against XXXX XXXX. I had a 15yr interest only mortgage which was coming due in early XX/XX/XXXX. I contacted XXXX in writing for a refinance or modification. This request was sent in XX/XX/2007. We were contacted by a XXXX  Loan processor XXXX XXXX ( please see letter dated XX/XX/XXXX ) requesting contact to discuss my approval for modification. I did contact XXXX  via telephone and made arrangement for a meeting at a local XXXX  office in XXXX XXXXr ( XXXX XXXX XXXX in XXXX XXXX NJ ) .The telephone conversation was around XX/XX/XXXX. The date for the meeting was to be determined. Then on a letter dated XX/XX/XXXX we received a letter denying the modification. I made a inquiry as to why, the response was I had a bankruptcy and the mortgage was not reaffirmed. I told XXXX my bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. My bankruptcy was filed according all the duties and responsibilties of USC 1996 Chapter XXXX  and reaffirmed in compliance to section 524c and 524d. XXXX XXXX and all my creditors were contacted. From that point on we were sent payment stubs for voluntary ( as if I was still in the bankruptcy process ) payment.This is clearly a violation of my rights.Also XXXX miss-stated payments, wrong reporting to a credit bureau. Trying to explain this to XXXX fell on deaf  ears. I was told they can do ( sent voluntary payment coupons ) anytime they want! The reason why I am logging this complaint is my home is currently in sheriff sale. All, what has happened in the last 10 years should not be .XXXX XXXX had no standing on denying my mortgage modification, all payments were made. I have also filed a complaint with the DOJ .We also were part of the mortgage agreement with the Federal goverment. I can provide more documentation than what I have attached
Consumer complaint received 2023-09-29
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. (TX)

Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have one credit card account with HSBC bank. There is one transaction from one merchant names XXXX XXXX XXXX. They charged me XXXX USD for membership to my HSBC credit card account. I called the merchant to dispute and cancel the membership. The merchant said that they did cancel the membership. the following year i saw the merchant charged me XXXX usd again. I called the credit card to block the merchant because they continue to charge me. The credit card company HSBC did block the merchant and filed the dispute for me. I thought everything went through. I received the statement on the following month still has the same charge XXXX usd with late fee and interest charge. i called the hsbc to dispute one more time. they said they filed the second dispute since the first dispute never went through. They also said that they will refund the late fee and interest. I thought they will do. the next statement came and it has the higher amount with late fee and interest. i called hsbc on XX/XX/2020 and they transferred me too many departments. the problem is never solved.
Consumer complaint received 2018-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX and a few days later with XXXX XXXX XXXX as well. I believe that on the XXXX or XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-04-19
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. (NJ)

I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, Experian reports XXXX and XXXX reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXXXXXX XXXX  The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I made 3 purchases this week. One at an airport, one at XXXX, and one at XXXX. All three were showing against my available balance last night when I went to bed. Huntington charged a fee or removed a credit as they do not allow transactions to go through if funds are not available. I made a mobile deposit of {$200.00}. They unlike every other transaction did not make the funds available they are holding it for 4 days. I explained I needed those funds to feed my family this weekend. They didnt care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have no record keeping of pending credits that may have disappeared. My account had {$4.00} when I made the purchase last night. For {$4.00}. Being poor and having a low isnt a reason to hold someones paycheck.
Consumer complaint received 2023-10-23
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. (AR)

I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: JPMORGAN CHASE & CO. (GA)

A family member was served paperwork at an address I do not reside at for a lawsuit for credit collection. In addition to several XXXX calls over the last 2 years even after explicitly being asked no longer to contact me as this debt does not belong to me. In the paperwork provided to my family member they have listed XXXX old addresses that I currently do not reside at, and an incorrect name for me as I have XXXX last names. In the original mailing to me there was a third address listed in the state of Florida. None of the XXXX I reside at. I have called there attorneys office to settle this matter however they are not willing to hear through the discrepancies and are demanding this will be a judgement filed against me regardless of what agreement me reach. This is not acceptable.
Consumer complaint received 2023-09-06
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. (FL)

Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Klarna AB (MD)

I have used Klarna services for the past 4 years and recently their reposnses have not resolved the issue. They have been generic copy and paste ( evident by my very clear issue being explained and the responses have nothing to do with the issue ) and not one supervisor has responded. As of XX/XX/23 I can NOT MAKE any purchases with Klarna. It is DISINCTIVELY saying that my identity can not be verified. Which is IMPOSSIBLE because A ) I made 2 purchases that week with no problem. B ) Its the SAME exact card and information. C ) I have been a customer for several years D ) Circles back to point A, how can SUDDENLY they cant verify my identity and Ive made 2 purchases that week and a customer for several years? 
To make matters worse, customer service is of NO HELP and provided me generic responses ( which I know are saved and used to help customers with the same common problems ) but serves no point when it has NOTHING to do with my problem. I was told the following responses 1. You dont have any purchase power- No, you CLEARLY did not read what I typed because my available purchase power was {$900.00} EXCLUDING my current and recent purchase of {$130.00} 2. You have the wrong personal information- No, I do not. NOTHING HAS CHANGED if I am REGULAR CUSTOMER and made 2 RECENT PURCHASES IN 1 WEEK.

3. Transunion needs update your information- No they do not! They have the same information you have and I have ACCESS to my report 24/7. I even called XXXX and they not only verified what I see when I log into my XXXX account, but emphasized that the problem is on Klarnas end. 
4. Uninstall and reinstall the app. Did not work 5. Delete and reconnect your banking information- The SAME EXACT INFORMATION for the pass several years? I did it and it did not work.

6. A manger will reach out but it will take 11 days What TYPE OF RESOLUTION IS THAT? 11 days for someone to call and reach out? It is XX/XX/23 and NOT ONE Person has reached out to fix it.

By the screenshots below you can visibly see the error I am getting is SPECIFICILLY about my identity which again makes no sense when I am a repeat customer and used the service several times in 1 week. How is that SUDDENLY my identity cant be verified? One agent even mentioned that it is an communication error on their end and should be fixed, but give it several days. It does ludacris and STILL not resolved. This is an error on Klarnas end and the fact that I have EXTENSIVE SCREEN SHOTS indicating what the issue is and the senseless uniformed responses are insulting. I want my account FIXED.