davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

Account ending in XXXX. On XX/XX/2023, I requested a credit balance refund of {$5000.00}. According to Amex, a check was mailed to me on the same day. Its been more than 3 weeks and I still haven't received the check. I contacted customer service to void the check and issue another one. My request was denied. I received a secured message on XX/XX/2023, saying that they cant issue a credit balance refund as my account is under review. However, I neither received the check nor was the credit re-deposited to my account. I don't know where my money is exactly at this point. Ive been trying to get a credit balance refund from Amex since XX/XX/2023 without success. Under 12 CFR 1026.11, Amex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (IL)

I submitted insurance information to this company, I received XXXX and XXXX insurance I provided to this company.. This company agreed to remove this item from my report and still hasn't done so after payment was submitted. Insurance information was provided during time of visit, but this company administration neglected to enter the information accurately.. I submitted information again directly and still haven't received the fair credit report results... This company is refusing to investigate and solve this issue professionally and accurately.. The balance has been paid and all documents have been sent to complete the final bill.. The report is false and has caused unfair damage to my credit file..
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

The end XX/XX/2022 I took line credit on my home XXXXXXXX XXXX  sent the payoff to comenity wayfair {$4800.00} we got the address from them to send and got payoff off my stmnt off line. Then received call the end XXXX said they didn't get it.the bank asked for overnight address they gave a lock box address they tried saying didn't get but bank verified was cashed by comenity bank. Have sent several disputes and so did the bank showing they cashed it and even filed with the XXXX of Ohio and they keep saying go to the bank that cashed it. They cashed it I sent proof and so has XXXX XXXX. They have damaged my credit and added fees to the account I need someone to make them fix this and hold them accountable I have my wife handling this as I work as a construction XXXX during the day. Her name is XXXX XXXX I put her email and phone number above. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

DRS Debt recovery solutions XXXX XXXX, XXXX  Collection account. {$1500.00} past due as of XX/XX/2023. 
XXXX XXXX  {$1500.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1500.00} {$1500.00} 1 Month Individual I sent a written communication for debt validation
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MD)

I pulled my credit today, XX/XX/2023, and noticed this account was reporting but I never received anything in the mail about it. As far as I know, all my debt was paid in full to my insurance company so there should not be any unpaid or owed debts to any companies. I do not understand how its reporting when i have never been contacted and to my knowledge, I must get something in the mail before a collection can be reported. i did not even get the opportunity to dispute the debt in any part before it was reported
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

i am apart of the wells fargo banking complains, they closed my account before a had a chance to pay the fees they were charging me and didn't know till now that it was wrong on their part. the fees came for not having a money in the account although i had money in it
Consumer complaint received 2021-01-12
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. (SC)

I received two credit card inquiries  from banks ( XXXX XXXX and JP Morgan Chase ) that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Consumer complaint received 2022-11-29
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX I have reviewed my credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Consumer complaint received 2022-11-28
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. (AR)

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES THROUGH EMAIL ABOUT ID THEFT, HOWEVER THIS INFO IS STILL REPORTING TO MY CONSUMER REPORT, I HAVE PROOF WE EMAIL AND THEY TOLD ME VIA EMAIL THEY REMOVED THIS FROM MY CONSUMER REPORT WITH XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023 I sent XXXX XXXX XXXXXXXX XXXX a notice of Error and Dispute. XXXX XXXX XXXX XXXX. Recieved my notice onXX/XX/2023 according to the united states postal service. I recieved a letter back on XX/XX/2023 from Capital One Bank NA stating " we are unable to fulfill your request through written correspondance '' .... Capiatl One failed to follow the requirements in accordance with the Electronic Funds Transfer Act. They failed to RE-CREDIT my account pursuant to 15 usc 1693 ( f ) ( c ) They failed to send me the required notice of my right to request documentary evidence with the letter they sent in acknowledging my notice pursuant to 15 usc 1693f ( a ) - ( d ) " A finaincial Institution shall investigate an alleged error determining whether an error has occurred, and report or mail the results of such investigation and determination to the consumer within ten business days. Purusant to 15 U.S.C. 1693f ( a ) 1693f ( a ) - ( f ). Regulation E further mandates that the financial institution must investigate promptly. 12 C.F.R. 1005.11 ( c ) ( 1 ) ; see id. 1005.11 ( a ) - ( e ). Capital One failed to investigate the alleged error after notice was given. They stated in their correspondance that I had to contact them via telephone which is not in accordance to the law nor my written instructions. Which is a violation of the EFTA ( 15 usc 1693f ( a ) - ( f ) ) and Regulation E ( 12 cfr 1005.11 ( c ) ( 1 ). Also under the CFPA, a violation of a Federal consumer financial law, which includes enumerated consumer laws and rules thereunder, violates theCFPA. 12U.S.C.5536 ( a ) ( 1 ) ( A ) ,5481 ( 14 ). By virtue of its violations of the EFTA and Regulation E, as described above, Capital One also violated the CFPA.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-23
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX  XXXX ....
Consumer complaint received 2023-08-23
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I sent EXPERIAN a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EXPERIAN refused to correct my inaccurate information. The representative I spoke with XXXX on XX/XX/XXXX was the most disrespectful person I ever encountered she said she wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to her or EXPERIAN liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information. I also recently called on XX/XX/XXXX and let them know of the inaccurate address they refused to remove the inaccurate address still reporting I told the representative my exact address that should be reporting. She told me it will take up to 24/48 hours for the change to be made only to see she erase my current address that I have proven time and time again my residency. She left a address that doesnt belong to me on my credit report and also log in and seen she purposely did this after I ask her have she received my dispute letters. She confirmed that she did receive my dispute letters with proof of my residents but still failed to complete her job. I login on XX/XX/XXXX just to see this address that dont belong is reporting as my current after showing proof of the address.
Consumer complaint received 2023-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: PatientFi, LLC (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a credit account under an open end customer credit plan as late for any purpose.
Consumer complaint received 2022-11-23
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. (GA)

I file an investion on an account that is reflection on my credit report. I was doing and investion on my credit report and saw that XXXX XXXX XXXX was reporting information about a collection with the total amount {$3800.00}. I asked that the credit reporting agency do a proper investigation to ensure it was actually my dept and they failed to do so. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-05-29
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: Fidelity National Information Services, Inc. (FNIS) (KY)

Chexystems is reporting an account and they refuse to fix this. The account is XXXX XXXX They claim it was " verified ''. The bank will not show me the documents bearing my signature for this account.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2022-11-23
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2023-03-14
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. (CA)

I sent out a dispute letter out to the credit bureau Transunion about investigating the fraudulent information I saw on my credit report. I received the investigation back, and the credit bureau Transunion still haven't taken anything off my credit report. According to 15 U.S. 1681 ( i ), the procedure in case of disputed accuracy. if the completeness or accuracy of an item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly or indirectly through reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information. 

Here is the information below that I would like to be taken off my credit report. Names inaccurate : XXXX XXXX, Employment inaccuarte XXXX XXXX XXXX XXXX Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NV)

I opened a Discover credit card in XXXX of XXXX. I understood that it was a no interest charge card. An interest charge has never appeared on my mobile banking app. For months I have been trying to pay down my credit card with no success. On XX/XX/XXXX I opened a chat with Discover. I was informed that I was being charged interest ( nearly {$3000.00} in the last 24 months alone ). I went back through my statements on my phone and saw XXXX interest charges. When I asked about this the representative told me that interest fees do not appear on their mobile app statements, only on a computer. I do not have access to a computer. When I told them that, they attempted to transfer me twice, only to not respond after 20 minutes.