davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Per the request of XXXX ( XXXX ) on XX/XX/XXXX. 

XX/XX/XXXX Purchased two TV totaling {$750.00} ( page labeled 5 in the upper right corner ) is the receipt. XXXX XXXX order # XXXX. XXXX XXXX emailed see page ( s ) 1-4 ( page labeled in the upper right corner ), stating the order was delayed. 
XX/XX/XXXX I received a notification at XXXX that the product had been delivered. ( page labeled 5 in the upper right corner ) Upon arrival to XXXX XXXX XXXX XXXX XXXX my dwelling ). There was no product delivered. I immediately contact XXXX XXXX at XXXX. I informed the agent that I had not received any product and need a proof of signature from the delivery company. I was put on a 23 min hold. When the agent returned, he stated, the product had not been delivered. He further stated another shipment would be sent out. 
XX/XX/XXXX I received an email stating the order was delayed. See page ( s ) 7-8. ( page labeled 5 in the upper right corner ) XX/XX/XXXX My bank checking account was debited {$750.00}. ( which I found very interesting, since I had no product and no delivery date in sight ) XX/XX/XXXX I called XXXX XXXX at XXXX once again to advise, I had not gotten the product, nor a delivery date as to when the product would be delivered and that my bank account had been debited for {$750.00}. I requested the order be cancelled. I received an email see page ( s ) 9-10. ( page labeled 5 in the upper right corner ). 
XX/XX/XXXX I called XXXX XXXX yet again at XXXX to inquire about the {$750.00} refund. The female agent, stated to me, I would need to wait one billing cycle in order for the credit to show. I explained I used my debit card no credit card. The agent told me it was the same regardless what type of card I used. I was not satisfied with the response, so I started my own investigation in an effort to recover my monies. I read in the disclosure, see page ( s ) 10 ( ( page labeled 5 in the upper right corner ), that it could take my bank up to 10 days to make adjustments to my account. Based on that information, I waited the 10days and then contact my bank. 
XX/XX/XXXX A provisional credit of {$750.00} was issued to my account. Because I had followed instructions and did beyond my due diligence. 
XX/XX/XXXX I called Capital 1 bank to find out why my account showed a negative balance. XXXX XXXX XXXX ) stated the claim was denied. OVER 90 DAYS????? 
XX/XX/XXXX Submitted this letter along with 12 attachments for demand of credit of {$750.00}.
Consumer complaint received 2023-05-24
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. (OH)

There's an account on my Experian credit report that should have been removed and Experian won't remove it. 

The account was opened on XX/XX/XXXX and is beyond the 7 years for removal, and they won't remove it. 

The report stated closed and charged off, which I told all credit bureaus that was wrong and that I paid it as agreed The report also states that a payment of {$120.00} was paid on XX/XX/XXXX, which was not made by me, so that is wrong as well The account also states it was updated in XXXX of XXXX, which is fraudulent and using it to keep it on my credit report The account also lists that it was over 180 days late in XX/XX/XXXX, but wasn't charged off until XXXX of XXXX There's a lot of misinformation going on here and I just want it removed. 

I don't have any late payments or derogatory information on any other credit bureau accounts, including Experian If Experian is not willing to remove it then I would like to file a lawsuit against them for deformation of character and causing hardship by having me denied credit Upon removal I would also like them to send the new information to any credit I applied for within the last year
Consumer complaint received 2020-01-17
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. (FL)

I have requested Experian three times to remove a collections account that was never supposed to be added to my credit report to no avail. The reporting agency stopped reporting this back in XXXX of 2019, but experian is still posting this on my credit report.
Consumer complaint received 2024-03-16
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)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 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 2023-06-07
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: EQUIFAX, INC. (SC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MD)

The below information was placed on my credit report without any knowledge or company reaching out to me giving me the opportunity to proof that this is not my debt. I have no idea who these people are where this came from. I was contacted by my job stating i have 30 days to resolve this issue. I have made several identity theft reports. it was brought to my attention that all of my personal information to include my email address is on a dark web. I just recently had someone place an order with Macys using my debit card and email address but was sending the items some place else. Im at a lost and don't know what to do, however i don't know who these people are and what this is about and I want this removed from my credit file giving me an chance to resolve the matter. I know i havent purchased anything for {$3000.00}. 

VANCEHUFFMAN Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name VANCE AND HUFFMAN LLC Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. 

Dispute with XXXX XXXX by Mail at XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-01-13
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Acct # 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 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 The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated
Consumer complaint received 2020-01-16
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. (CA)

I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2020-01-16
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. (CA)

I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I got an auto loan through Suntrust, now Truist and set up auto-withdrawal on my checking account. They withdrew {$4000.00} monthly for several years. On XX/XX/XXXXXXXX I got a debt collection notice saying my payment was past due. I called asking how that was possible because they withdraw it automatically. They responded that the last payment has to be mailed, stating that they had send something in the mail explaining that. I explained that I had not received any such notice. They then said that I would have been told that on the phone when I set up the auto payment years before. Really! Nonetheless I made a payment over the phone in the amount of {$4800.00} on XX/XX/XXXX XXXX, for the payoff and interest penalty. I said I wanted to dispute the {$200.00} late fee that they added. I asked for assurance that a report was not made on my credit and was told that it wasn't reported and that an account had to be 35 days past due before a report was made. I asked for the legal department and was given a phone number of XXXX and a confirmation number of XXXX and case # XXXX on my dispute. I called the number and left a voice mail for XXXX XXXX. On XX/XX/XXXX ( 29 days later ) they reported me to the credit bureau as 30 days past due for the {$200.00}, but I was not aware until today. They were non responsive to my dispute and sent me a bill for the {$200.00}. I went to pay it online but could not access the payment portal and mailed the {$200.00} late fee just to make sure my credit was not affected while the dispute was pending and they reported the loan paid off but put another late mark for 60 days past due on my credit on XX/XX/XXXXXXXX XXXX I tried to call but because my account is paid their system wont take the call and the number for the legal department is no longer valid. I had a XXXX credit score that is now XXXX. My XXXX XXXX XXXX  line of credit is also up for renewal and will not renew because of their false reporting. This is unconscionable!
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of of XXXX, my credit report alerted me that there was a " late payment '' blemish from my unused Spirit Airlines credit card through Bank of America. I immediately called Bank of America, because I was not informed of any charges made to my card and did not receive any subsequent statements or notices indicating charges, balance and/or delinquency. When asked to furnish proof that I was properly notified of such, the bank was unable to comply. Accordingly, the account was then placed in good standing, the late fees were waived and the credit issue was remedied. By late XXXX XXXX XXXX, the " late payment '' blemish was no longer on my credit report and my credit score was finally repaired from the error. By XXXX, my XXXX  credit score reached XXXX. Less than 15 days later, it dropped down to XXXX as a result of the erroneous " late payment '' blemish from Bank of America re-appearing on my credit report. I immediately disputed the previously remedied issue once more and did not have success. Bank of America refused to look further into the issue despite being unable to furnish proof of FCRA compliance and despite having fixed the issue initially. I have attached a timeline of my credit score to this submission for additional context.
Consumer complaint received 2020-01-16
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)

I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear CCB/CHLDPLCE ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 30-days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Was making monthly payments as usual over the phone with a representative, I was not informed my payment was more than what I was paying so that obviously incurred late fees. I was told months after that the payment changed and so did the interest rate because of late fees being added each month.
Consumer complaint received 2023-01-18
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-17
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) .However achieve personal loan is reporting there account after I disputed it without to see you notating the fact that I disputed it causing me injuries.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was with this bank XXXX XXXX XXXX XXXX and every month I'd have unauthorized transactions and wouldn't get my money back for weeks and it would cause my account to be in the negative especially with several days of overdraft fees and XXXX was a dispute that they said I was refunded and I don't see that and they the dispute department put my account into overdraft and then turned me in to the credit bureau 2 months later
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I used XXXX service to send the funds and receive the item from the person but it was a fraud and I was ripped off. 
I immediately called my bank ( Chase ) and I was told once the money has been delivered, they can't do anything about it.
Consumer complaint received 2018-03-05
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 — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.