davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi, I had traveled out of the country to the carribean in XXXX to celebrate my sister birthday and I booked an excursion through XXXX. Unfortunately I was not able to do the excursion because of personal reason so I canceled a day before through the app of XXXX and it seems like there was a glitch due to lack of connectivity being so that I am unable to have phone service in the XXXX besides the Wi-Fi and connectivity the hotel provides. I canceled on time and even though the XXXX XXXX sent me the only proof a few hours later of my cancellation the merchant denied my full refund. I disagree with the way they handled this situation and did not honor their policy. I proceeded with the dispute through my credit card company which is capital one spark business card and I am extremely disappointed with how they handled this dispute. They denied my dispute three times after I have sent multiple evidence showing the transaction, times and explaining that XXXX sent the cancellation hours later and even informing them that the phone service is not the best out there. They completely denied and I upset that I am being charged for service I did not even use and being taken advantage as a tourist in another country which is nothing new now indays but my credit card company not helping me out nor investigating as they should. I would submit my dispute with all attachments and they would send an automatic denial letter within 30 min, like what type of investigation is this. I do not want to be part of this company so I will closed my account because if they cant help out their clients with a transaction of {$310.00} I do not want to go through a transaction of over {$1000.00} and not see something resolved. Now I have to pay to my credit card an amount that should have been resolved but they are money hungry and not resolving my issue.
Consumer complaint received 2023-05-09
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. (FL)

XXXX Experian XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called

15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Consumer complaint received 2023-05-08
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: REGIONS FINANCIAL CORPORATION (MS)

I have an home improvement loan with Enerbank USA. I had a gas line and tankless water heater installed in my home. I have had problems from day one access enerbank to help with any issues that I have with access payment portal. I only received a call stating no payment was made and I need to pay XXXX dollars in full to bring account current. Payment was made but I have no access to online documentation. My loan account is being reported as a line of credit instead of a loan and affecting my credit harshly. I have reached out to credit bureaus as well as Enerbank multiple times to resolve this issue. There is nothing that has been done about this.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.
Consumer complaint received 2023-05-09
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (LA)

XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with Innovative Recovery Inc/ResidentCollect, Inc. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

Innovative Recovery Inc./ResidentCollect, Inc. has reported the account as uncollected to XXXX XXXX XXXX XXXX . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). XXXX has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking XXXX to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (AL)

This card company chime denied my dispute I sent them documents of me having COVID 19 up untill now the people stole XXXX $ from me I've been in the house for XXXX weeks could go anywhere so to COVID 19 they have taken my money make it hard for my living and life..they have been acting out of racism.. they approved a claim for XXXX $ and laughed at me ..saying I did these transactions that's attached below
Consumer complaint received 2023-08-10
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: DISCOVER BANK (MS)

In accordance with the fair credit Reporting act XXXX 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 card account under an open end consumer credit plan as late for any purpose.
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: BARCLAYS BANK DELAWARE (IL)

I write to you today regarding Barclays XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with Barclays AAdvantage Mastercard ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/, I paid the balance in full and closed the account. Months later, Barclays finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact Barclays Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )
Consumer complaint received 2023-05-05
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. (MI)

XXXX XXXX XXXX XXXX : XXXX D.O.B : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : Requesting a Method of Validation Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

Please see attachments. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was notified from a credit unit on XX/XX/XXXX that Bank of America was showing a past due charge and unpaid balance on a closed account Acct # ending XXXX. The account had been closed and Bank of America Charged an annual fee on a closed account. Then reported it to the credit agency and in XX/XX/XXXX XXXX other companies lowered credit limits on other credit cards to the current balance, it affected my credit score from XXXX to XXXX. I have spoken to Bank of America on XX/XX/XXXX and they agreed that they had made the mistake and I should get notification 2-3 weeks in writing. As of this date they have removed the annual fee charge however they have not made any effort in correcting the credit reporting error.
Consumer complaint received 2023-08-14
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX, I sent a letter to a financial institution called Synchrony Bank for violating my permissible purpose rights under 15 USC 1681b. They inquired on my credit report without my consent on XX/XX/XXXX, as SYNCB/SAMS CLUB. I gave them 10 days to respond and requested proof that I gave them permission. I told them if they failed to provide me proof, to delete the inquiry off of my report. However, it has been 29 days since then and they still have not responded.
Consumer complaint received 2023-08-14
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: DISCOVER BANK (GA)

Upon reviewing my credit report, I was alarmed to discover that Discover has reported a charge-off status for an account that I have had with them. This unexpected charge-off has significantly impacted my credit score and overall creditworthiness. I believe this situation to be inaccurate and potentially damaging to my financial standing. 

In addition to the charge-off reporting, I have also been served with legal documents indicating that a civil case has been filed against me by Discover. 

The reporting started on XX/XX/XXXX. The last reporting was XX/XX/XXXX. The amount is XXXX dollars. The civil case was filed on XX/XX/XXXX.
Consumer complaint received 2022-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC (CT)

In 2012 the truck that I was financing through Prestige Financial was reposed voluntarily, they sold the truck at auction and never made it known to me the value that they received for it ( I have asked ), fast-forward XXXX, shortly after I started working at my current job they garnished my paycheck for over a year, then abruptly stopped. Today, I received another wage garnishment letter from them that they plan on doing the same thing again. The customer service agents are quite rude and impatient and I can not get anyone to talk to regarding this. I do not live in the state where I have to appear in court and can not contest it because I would have to show up. Are they legally allowed to do this?
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I was unemployed in XX/XX/XXXX then the pandemic started in XXXX. I was out of work until XX/XX/XXXX. I approached a credit repair company. I turned over XXXX credit cards with a balance greater than {$500.00} each. I had to make monthly payments to them. All of My credit card companies wouldnt settle. I contacted each credit reporting agencies. I disputed each credit card because of COVID otherwise I was making payments. I was told by the agencies that the credit card company said to leave it as reported which is staying on my account. The amounts are incorrect. My credit repair company has been trying to work with each credit card. They started making payments but I was told that each credit card wasnt cooperating nor reducing my balance nor removing it from my credit report. My income dropped drastically. I had companies to close because of COVID. I went from 11 companies to 5 companies. Im a XXXX XXXX. Im on XXXX, XXXX and my income in XXXX was {$12000.00}. I have had help to cover my basic expenses and food.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX  As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account. 

I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023. 

After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX  HAS OPENED AN ACCOUNT ILLEGALLY AND SOMEONE USED THIS Unauthorized account now is past due and charge off has been posted incorrectly in my credit report.
Consumer complaint received 2024-03-22
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report :
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Credence Resource Management is reporting a debt of {$69.00} and gives no explanation. It was placed on my credit report today. I don't know who this is and have no knowledge of this debt. I would like lie proof of this debt with a hard copy of my signature. According to 15 USC 1681 A Sec 2. A debt can not be sold to another consumer without consent. I would like this derogatory remark removed from my report.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I received an offer from chase bank to open a chase private client account and if funded with XXXX dollars I would receive {$2000.00} after 3 months. I opened and funded the account on XX/XX/2023. After almost 5 months I had not received the {$2000.00}. When I went to the chase branch where I opened the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ) and spoke to XXXX XXXX ( XXXX XXXX ) who opened the account he told me he had made a mistake and would try to get me the money. After that despite leaving him dozens of voicemails he would not return my call, so I went to the branch and spoke to the XXXX ( XXXX XXXX XXXX XXXX ) who said he would look into it and call me back that day. After not hearing from him despite leaving numerous voicemails I called chase private client customer service and filed a complaint. Not hearing back from them for XXXX weeks I called again and they said they had a record of my contacting them but not a complaint??? I said I want to file a complaint and eventually they gave me a ref. # ( XXXX ). That was XXXX weeks ago and I haven't heard from them since.