davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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: DISCOVER BANK (MI)

Requested a dispute for an invalid transaction on XX/XX/2021 for XXXX by XXXX XXXX. This was for a free trial that was unable to be cancelled online or via phone prior to being charged. 

Dispute was completed on XX/XX/2021, taking over 100 days to complete. After calling Discover, they claimed that information as entered incorrectly during the process, which caused a longer delay. Ultimately, the transaction was found in favor of the merchant, even with additional documentation showing proof a refund was to be given. Discover will not reopen the case with this new information or provide restitution for the error.
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After reviewing my most recent annual credit report, I discovered that my credit profile was in ruins and was reporting negatively as if I am a XXXX Consumer. I have many inquires against my social security number that I did NOT Authorized, and I have NO knowledge of said creditor as to how they gain my personal information to submit an inquiry onto my credit profile which I believe is an act of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-05-20
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. (FL)

I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, EXPERIAN AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated
Consumer complaint received 2023-10-05
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. (FL)

Someone has been using my information to apply for credit card banks loans cars and ruin my credit I have been trying to report fraud and almost had a XXXX XXXX with one credit bureau now I have over 27 hard inquiries that are not mine and secure loans saying I missed payments and XXXX account says missed payments I never opened the accounts please help me fix this identity fraud issue and customer statements I never wrote or applied to my credit I need off
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

On my credit report I have a collect for a {$1000.00} that I have no knowledge off and will like for it to be removed off my credit report. The collection is for XXXX phone service I'm not even a XXXX  customer been with XXXX for a very long time so I don't know why this collection is on my account.
Consumer complaint received 2024-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX received a payment of {$95.00} and the work was very terrible and incomplete. The charges and repair list provided from the business was provided to the bank and the bank failed to thoroughly complete the investigation.
Consumer complaint received 2022-12-16
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. (GA)

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

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX 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 2021-11-15
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)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-11-15
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. (MI)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, Opened a credit card with Capital One a few months ago. I charged and made payments earlier then the due date. Most paid in full. They just closed my account and reported so my credit score went down. Called them 5 times and will not give me a reason why the account was closed. Only that it is in the terms that we can close any account for any reason. 

Thank you XXXX XXXX
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2024-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I hope you are doing well! 
I contacted Capital One on XX/XX/XXXX to file a dispute for a purchase I made on XX/XX/XXXX. The amount was {$280.00}. Capital One replied on XX/XX/XXXX and said the merchant provided evidence. I bought a cologne and the quality is defective because it lasted 2 hours on me, I also asked people around me to smell and they didn't smell anything. My friend has the same one but it lasts much longer. I'm not sure what the merchant provided that the item is good. On XX/XX/XXXX, I provided Capital One with my evidence, stating how people talked about the cologne, how is the service of the merchant, and how they were not replying to my email, I already said to the merchant I would send back the item and I want my money back but no reply. On the same day ( XX/XX/XXXX ), Capital One said my response lacked so they couldn't assist me with the claim anymore.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

As XXXX XXXX, we have a business account on PayPal. On XX/XX/XXXX, they froze our account and asked for some documents. I sent them all but a specific one. This one document is the reason that until today, XX/XX/XXXX, we can not accept donations or transfer our money that we have on PayPal to our account. This has caused me psychological problems. we lose revenue that goes to other charities companies. Every time I communicate with them through messages or by phone, they assure me that we are almost ready but nothing is done. Our company belongs to a type of companies in XXXX that are not registered as a normal business registers, thats why we can not get any such document. On PayPal once out of many, I talked accidentally with a XXXX named XXXX. He explained to them that this is something that is true, and his manager told us that we just need to send two documents ( that they already had again ). XXXX assured me that the case would be resolved. But again they sent me a negative message. So I'm trapped because my money is in the account and I can not use it through their own fault, and my health and the public image of my company has been damaged. Since XX/XX/XXXX, I have communicated more than 20 times in writing and 5 by phone.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (NJ)

On XX/XX/2021 a mortgage application was completed with Finance of America LLC, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, NMLS XXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

I opened an Ikea Projekt card through Comenity in order to take advantage of an interest-free promo through Ikea. On XX/XX/2024, I placed an order through Ikea 's website totaling {$5200.00} on Ikea card number ending in. I received an order confirmation with a notice saying that the order was in review and a confirmation would be sent within XXXX hrs. Within minutes, Ikea sent me a notice of order cancellation stating, specifically, that the bank denied the charges. I called Comenity customer service, and they stated that was incorrect. They said the transaction was approved and the charge processed, but that Ikea must have cancelled the transaction from their side because a refund had been issued. I called Ikea back. They stated that the bank was incorrect. They had not cancelled the transaction but rather the bank declined the transaction and it was automatically cancelled. When I said that this was counter to the bank 's assertion, and could I please speak to someone higher up, I was told that was the only info anyone at Ikea could provide me, sorry. I called Comenity back, and they reaffirmed that there wasno problem with the card, that my credit limit was more than enough, {$7700.00} I believe, and that the transaction had been approved and processed, but subsequently refunded by Ikea for reasons they could not know. They suggested I wait for the refund to process, and try to place the order again, stating that it may be a fluke problem with Ikea 's POS. I took this advice and reordered today, order number XXXX in the amount of {$3400.00} ( because my husband had to order some items we needed immediately in the meantime on his own cc ) on the same Projekt card. Again the transaction was cancelled. Again, no one knows why or seems at all interested in finding out. So, a store credit account I can not use is now on my credit.
Consumer complaint received 2022-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Due to the pandemic, my hours were cut at work and I learned from my mortgage company that I could forebear my payments and keep my home, so I did. But on XX/XX/2022, I received a letter from my mortgage company indicating that I had a surplus in escrow in the amount of {$1800.00} but that due to the delinquent status of my account, they would be retaining my surplus. I called them to dispute this matter but was never called back. A few months passed by and I was able to start working full time again and informed my mortgage company that I wanted to end the forbearance plan and resume making my mortgage payments and immediately a package arrived for me to sign all the papers needed to push all funds owed under the forbearance to the back of my loan, that was notarized and sent in and around XX/XX/2022, I received email notification that all payments had been made and my loan was caught up to date. So, I then called the mortgage company about my surplus, asking for it to be released to me. The representative said, yes, this would take about 3 business days and I should receive a check in the mail. I never did and when I called back and spoke to a different representative, I was told that an investigation would need to take place and the next letter I received indicated that I owed XXXX or that my new mortgage amount would go up from {$1400.00} to XXXX per month ; this email was sent to me on XX/XX/2022. 
I have a serious concern that wrong doings have happened to me and need an external advocate, hence I am writing to you. 
Please assist me, for something is wrong within this company. Thanks
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC. (TX)

XXXX XXXX XXXXXXXX # XXXX pulled hard inquiries twice without approval for any. Never even applied with them Also XXXX XXXX XXXXpulled hard inquiry one without approval. 

I applied for a loan that stated soft pulls only, the next day the loan companys listed did a hard pull without my approval, I never even applied through them period
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCP Holdings, L.P. (MI)

The XXXX XXXX XXXX XXXX Says I owe the XXXX XXXX XXXX XXXX XXXX XXXX  Says I owe them XXXX XXXX  Which is XXXX XXXX. I have never borrowed money from this company before. Please provide correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened an account with XXXX XXXX XXXX XXXX XX/XX/XXXX Never borrowed money from this company before. 
All of the are inaccurate and incomplete credit information
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

fraud accounts not mine and needs to be deleted as soon as possible. 

XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # 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
Consumer complaint received 2021-11-15
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-07-26
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. (NV)

I am not the person responsible for the charges made on the accounts. Experian put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,