davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act CAPITAL ONE AUTO FINANCE has violated my rights XXXX XXXX XXXX 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST HAWAIIAN, INC. (HI)

There was a wrongful use of my checking account from First Hawaiian Bank. I asked help from the Bank that it was not me who purchased it. Staff from the bank said they will do a dispute and I dont have to do anything. Dispute came back and said I authorized the transaction. They closed my checking account. Few months came I received a notice about a debt in collection from XXXX XXXX XXXX that I owe {$590.00}. 

The original transaction from First Hawaiian Bank was {$530.00}. I did not receive a notice from FHB that about the {$530.00} and this was sent directly to collection.
Consumer complaint received 2022-12-20
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: SYNCHRONY FINANCIAL (CT)

XX/XX/XXXX Care Credit charges my whole statement balance instead of the minimum due. Which was {$1600.00}. This put my bank account negative XXXX and has been that way ever since. I have called multiple times, originally they said 7-15 business days for it to be resolved. Every time I call I get a different answer. Its been 16 business days now with XXXX coming this weekend and they have still not refunded me. They have made the last 3 weeks a stress fueled nightmare. I use the autopay feature and I never even go into the app, thats how I know it was 100 % fault of care credit. It was their mistake and they have done nothing to help me.
Consumer complaint received 2024-03-28
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-03
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2024-03-28
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-20
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. (GA)

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXXXXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX  XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Request your assistance to get my Kohl 's charge account credited for an on-line order that was never received. 
XX/XX/2017 - Ordered a neckless from Kohl 's web site -- total cost {$1000.00} XX/XX/2017 - Received email from Kohl 's advising me that my order had shipped. Made several attempts in the next few days to track movement of my order, however no movement was showing on the shippers site. 
XX/XX/2017 - Contacted Kohl 's customer service to determine the status of my order. 
XXXX - Received an email from Kohl 's customer support ( XXXX ) stating : 'I have checked on the above mentioned order number and found out that the delivery is still being process. We are still hoping for the possibility for the package to be delivered. Please allow some time for the carrier to deliver your package on or before XX/XX/2017. If you still did not receive your package by that date, kindly contact us so we can further assist you. ' On or about XX/XX/2017 - Received XX/XX/2017 bill - Kohl 's billed me for the bracelet that I never received. Although I never received my item I was forced to make the minimum payment to avoid a hit on my credit report. 
XX/XX/2017 - Spoke with Kohl 's customer service to complain about being billed for an item I never received and requested my order be cancelled and my account credited for the purchase price. Was advised that my account would be credited. 
XXXX - Credit had not processed. Contacted Kohl 's customer service again, ( XXXX ) requesting to have my account credited. XXXX advised me that she would get my credit posted. I also asked to speak to a supervisor. I was forwarded to a voice mail and left a voice message requesting to be called back. Kohl 's never returned my call. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again and asked to speak with a supervisor. Spoke with XXXX about my issue and he assured me my account would be credited within 24 to 48 hours. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again, spoke with 1st line supervisor XXXX, to address my issue and to stress how upsetting it is to be billed for something that I never received. Also expressed concern that the XXXX bill will be issued in the next few days and Kohl 's would not only bill me for the non-delivered item, but charge me interest as well. I also asked to speak with his supervisor. He told me his supervisor was working other issues, but would definitely call me back with two hours. I never received a call-back.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


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 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (AL)

On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (CA)

Not only is the debt not mine, it 's not my husband 's either. 

My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

Beginning XXXX XXXX Synchrony Bank began putting a {$1.00} charge on my card for every purchase made using their card at Amaon.com. This is a new behavior, and XXXX says they should not be putting that {$1.00} authorization charge on my account for each and every purchase. Also XXXX vows that charges for each purchase will not post until the item ships. Synchrony Bank has been posting charges for each purchase before the item even ships.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My credit report has several discrepancies and inaccuracies. The Fair Credit Reporting Act states that your consumer report is supposed to be fair and equitable to you as the consumer. These inaccurate and incomplete accounts are effecting my credit worthiness and my ability to prove in my everyday essential needs. Please read the follow letter attached for accounts to be disputed.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I HAVE REQUESTED AND I AM DEMANDING THAT THIS ACCOUNT LISTED BELOW BE REMOVED FROM MY CREDIT REPORT. THIS COMPANY IS REPORTING AN ACCOUNT ASSOCIATED WITH AN ADDRESS I HAVE NO AFFILIATION TO TIED TO THIS DEBT. THE ADDRESS IS NON VERIABLE. I KNOW MY RIGHTS AND I AM DEMANDING THIS BE REMOVED AND MY EXPERIAN CREDIT REPORT IS UPDATED. 

XXXX XXXX XXXX ACCT # XXXX ...... 
DATE OPENED XX/XX/2015 experian has violated my rights under the fair credit reporting act in the two ways below. 

This Agency has and continues to report these inaccurate debts. 
Creditors give reporting agencies inaccurate financial information about you.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Received two letters from XXXX stating that my accounts with XXXX XXXX were being sold to a collection agency XXXX XXXX XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, XXXX and Experian and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as XXXX but no XX/XX/XXXX accts. 
Experian shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XX/XX/XXXX. I never signed a contract with XX/XX/XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XX/XX/XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate
Consumer complaint received 2022-09-17
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)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are to be corrected immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NM)

Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  I really don't know what to do. 

I just ask you to unlock the account and return the money my customer or release my money to me. 

1. Issue the refund to my customer or release the funds so that they are available in my account, as I can not refund as the account is blocked.

2. Reimburse the customer who has paid almost XXXX usd because he has just opened a dispute and I can't reimburse him because the account is blocked. So what can I do? Just refund the customer who wants the money back. The money is blocked on my account and he wants to lodge a complaint. 

3. I have a family and I don't want to end up in prison because the customer wants his money back. Pay him back or unblock my account so that I can pay him back. He opened a dispute on paypal but my account is blocked so I can't issue the refund.

4. Help me solve this situation, I can't sleep. Let 's be human, I'm not a criminal I just want the money to be released or for you to refund the customer who paid. 

Reference number : XXXX XXXX XXXX XXXX XXXX XXXX I really don't know what to do. 


File number XXXX XXXX XXXX XXXX USD Amount in dispute XXXX USD Transaction date XX/XX/2023 Buyer 's name XXXX XXXX Transaction no. : XXXX
Consumer complaint received 2022-09-17
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. (CA)

Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.
Consumer complaint received 2022-09-17
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. (AZ)

In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.