davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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: SYNCHRONY FINANCIAL (NJ)

On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance. 
Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX  for the same amount. XXXX  once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX 
I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX  days for it to be resolved. 
After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections. 
I have called a minimum of XXXX  times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus. 
Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due. 
I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due. 
I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX  and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2023-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (OR)

I applied for a XXXX modification in XXXX with Wells Fargo due to being XXXX, they instructed me to quit paying my XXXX payment and would modify my loan. XXXX months later i was in XXXX I called and sent documents XXXXl times with no response. I called every week, they kept saying my documents were not received. Then I was denied. My house was going to be XXXX in XXXX of XXXX and thankfully my XXXXr left me XXXX when he passed and I Paid XXXX and saved my house. 
XXXX XXXX!!! This was so stressful and they just ignored me after they instructed me to quit paying my mortgage because they would modify my loan.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-10-01
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-11-02
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

XXXX XXXX XXXX XXXX Capital One I have attached a copy of the dispute submitted for your viewing
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX XXXX  I sent a letter to Experian about a fraud inquiry that was put on my credit report, I asked that this inquiry be removed from XXXX XXXX XXXX on XXXX XXXX XXXX The I inquiry is fraudulent and needs to be removed.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

got this e-mail from Capitol one on XX/XX/22. 

" YOUR IMPROVED EXCLUSIVE OFFER : NOW YOU CAN EARN A LARGER CASH BONUS {$200.00} {$300.00} Your loyalty hasnt gone unnoticed, XXXX. 
XXXX added {$100.00} to your bonus offer. You can now earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
See application terms Click to get details " I was not really in need of a new credit card but I thought this offer was too good to pass up so I applied. My credit is excellent, my income is excellent, there was no need to get another CC but I liked this particular offer, especially the cash back part. I applied ; they did a credit check on me which immediately lowered my credit rating by XXXX points Capitol One declined my application for the original card that they were advertising and offered me a Credit card that did not include the bonus. To me this is a classic case of bait and switch.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northtown Capital Services Group LLC (TX)

This company is contacting anyone that carries my last name. They have called a family member on XX/XX/2020 and said they are looking for me. This company have left threatening messages on my phone and is now calling others. Most of the people they are calling are not close relatives. They are people I met on XXXX XXXX but carry the same last name. This is unethical, embarrassing, illegal and I want them to Cease and Desist reaching out to others pertaining to my financial affairs. 

NCSG Northtown Capital Services Group XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson capital emailed me saying I owed XXXX XXXX. I called and asked them to provide details for this claim. What service was provided, when and do they have original invoice. They did not have this information and said theyd file a dispute. I have now received a letter from Jefferson Capital telling me theyre unable to resolve the request and asking ME to provide my SSN, account number, description of error etc. 

I dont have any such information as I dont recognize the debt. I just feel harassed.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IA)

I used my Chime debit card on XXXX XXXX XXXX XXXX XXXX withdrawing {$500.00} at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX The transaction were cancel due to not wanting to pay for the ATM fees. No cash nor receipt dispense. Called XXXX XXXX right away, they restructed me to contact my bank for charge back/dispute if there is no auto reversal. Filed dispute with Chime on XX/XX/XXXX after funds was not credit back, received notice from Chime that my case were denied and close. I DID NOT RECEIVE ANY CASH, TRANSACTION WERE CANCEL. I need this to investigated by both financials institutions, {$500.00} is not loose change and I need my cash back.
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-09
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$37.00}.
Consumer complaint received 2023-09-30
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. (LA)

I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by Transunion that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX
Consumer complaint received 2023-09-30
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. (CA)

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

Account name : # XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
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. (CA)

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

Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

On XX/XX/2023 I requested a {$120.00} check be issued and mailed for receipt on XX/XX/2023 to a known individual via USBank 's bill pay system. The check was issued and cleared my account on XX/XX/2023, however, it cleared for {$1100.00}. I viewed the digital copy of the check via the bank 's mobile application. The payee on the check did not match the payee I requested and the amount was not the amount I requested. The check was endorsed but no other banking marks are visible. It appears to have been deposited via a mobile application. On XX/XX/2023, I visited my USBank branch. I worked with a teller who contacted the bill payment fraud department. I was told I would have to complete a paper Affidavit of Unauthorized Paper Debit form and return it to the bank and that the form had to be mailed, not emailed. I asked for a provisional credit of the {$1100.00} as I did not issue the check, USBank did. The bank informed me that I had to wait 10 days for a provisional credit. I received the affidavit letter ( dated XX/XX/2023 and postmarked XX/XX/2023 ) on XX/XX/2023. I completed the document and returned to the bank on XX/XX/2023 so they could fax it to the fraud department. I again inquired about the provisional credit and was told the branch XXXX would contact me when he returned. I never received a call so I called the fraud department directly on XX/XX/2023. They told me I was not entitled to a provisional credit as this was a check fraud issue and I would have to wait until they completed their investigation.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a credit reporting notice that a late payment was reported on my credit report. I investigated and found that Kohls reported a late payment to my credit report. I looked up my account on the Kohls charge card site to find that the autopay that I had previously setup was no longer setup and my payment wasnt processed. This resulted in a 30 day late payment being reported to my credit file. I spoke with Kohls credit card customer service and they will not fix the 30 day late payment and have refused to acknowledge that my autopay was cancelled by them when my account balance had been at a {$0.00} level. I was not notified of the late payment until after the 30 days had passed. See attached screenshot showing the only notification that the payment was late, this was a voicemail that I received on XX/XX/XXXX, 1 day past the 30 day late mark.
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

i provided nelnet with the documentation they needed to see that they lied to me on multiple occasions and they are still saying i never provided that information which I did. I provided their call history to them and that has the proof that they lied to me