davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
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: BARCLAYS BANK DELAWARE (NY)

I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX. 
I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX  on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX. 

It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX   informing me that I missed it. 

The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her. 
I have never dealt with such a poor customer service.
Consumer complaint received 2022-12-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On Saturday XXXX XXXX a man sent me money through his phone via ZELLE at my place of work. Three transactions in total. He claims he didnt authorize payment & filed a claim towards my bank escalating to my bank account being closed abruptly causing me SERIOUS distress. My work place has video footage of man sending money to my phone at exact time transaction was placed aka I have a whole lot of proof & witnesses. My bank didnt verify me of closure, didnt even ask for my side of the story just honored this mans story which is fraud. 
Bank closure included me losing all of my current funds. My friend sent me {$3000.00} for an upcoming XXXX I have on XX/XX/2024 & that is gone from my account completely.
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XX/XX/XXXX these need to be removed from my XXXX credit report
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies Lexis Nexis, XXXX, XXXX, and XXXX have validated codes XXXX XXXX XXXX XXXX XXXX " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be deleted.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MO)

The lender advised I could apply for mortgage assistance and once the packet was completed, which has happened, the foreclosure would be suspended. 
The lender has now refused to look at my completed packet, has refused to offer assistance and after stating specifically that the foreclosure would be suspended so we can work to modify or put in place a payment plan the lender has broken they're promise and has refused to suspend the foreclosure and refused to work with me to stay in the home as I have expressed I have every intention on staying in the home and getting my loan current or modified then kep current
Consumer complaint received 2022-12-27
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: WELLS FARGO & COMPANY (GA)

In response to previously closed complaint case number XXXX Wells Fargo card services has blatantly Falsified information in regards to a closed account being reported To the credit bureaus. 

They claim that their customer service agent never mentioned or advise me to reach out to the credit lenders when I have a recorded audio and my mobile phone records to prove the time dates in lengths of this conversation. 

I will attach the highlighted parts of the Wells Fargo card services response and I have since reached out to Wells Fargo executive office regarding this matter I would like to make it plain that they have violated my consumer rights totally and below is attached the phone records and if you have a email that can receive audio files I will also send you the recorded conversation this should not be happening and I need your help.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I am complaining against Macy 's as they are taking aggressive steps to request payment on my Macy 's Credit Card. 

I contacted a CSR on XX/XX/2019 ; expressing a hardship, and they Debt Collection Agencies have contacted me on EVERY day ( At times, 4-5 times a day ; including weekends ; and after XXXX XXXX. ) since ( Including Today ) calling requesting payment.
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.
Consumer complaint received 2020-01-06
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 was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called capital one on XX/XX/19 to get assistance in refunding the last 2 late payment fees. The clerk looked at the account and said a flat out no. I wasnt asked about circumstances or anything. At my place of employment they are doing layoffs. This has been going on since XXXX of last year and Ive been trying to keep up with payments on everything. I finally made a {$320.00} payment on this card to get it where is needed to be. This card is a union plus card and I would think they could help out a little bit. Ive been a capital one customer for some time. I have bank accounts here and Ive referred others here who now have capital one bank accounts. I dont believe it would hurt to get late fees back from such a large company.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bank looked like any other branch from the car as I approached. I parked my car and got out. I tried the ATM and my transaction was declined. I went inside and the employee told me that the branch does not have cash and that I should try to ATM. I tried the ATM several more times and it did not work. Since the branch did not keep cash other than what was in ATM, I was unable to get the cash that I needed. My balance was more than sufficient to cover the withdrawal. I received no automated way of clearing up the declined transaction. When I called the number on the ATM screen, they explained that it had been suspected fraud and that I could try again. But by that time I had to leave. This is was extremely inconvenient for me and I feel that a bank should be required to allow a customer to withdraw cash on demand if it is during normal business hours. I do not accept these new cashless branches that Chase is rolling out.
Consumer complaint received 2022-12-27
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. (MI)

TransUnion verification process requires information related to others and identity theft. I was asked to verify the address and location of a rental property I owned but the preface to the question indicated it was my primary residential home at some point which it was not. Additionally, I was asked to verify that my nephew XXXX XXXX owned property in XXXX, XXXX. I believe he owns the property but I could I be certain. Both questions appear to be related to my identity theft claims involving fraudulent FHA loans and other fraud used misrepresenting my name and personal information.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Consumer complaint received 2022-12-27
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. (KY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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 #, and I'm including it again. Please discard the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-06
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. (OH)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.
Consumer complaint received 2018-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (SC)

On XX/XX/XXXX, after waiting 31 plus days for the 3 credit bureaus to delete XXXX XXXX XXXX ... I mail them letters to delete the Conns tradeline on the grounds it was never marked Consumer disputes .... they were reporting very incorrect balances and status. So as of XX/XX/XXXX ... they added the statement of disputed. They are now reporting the account as Open .... but a charge-off account cant be OPEN..!!! They have fraudulently reported a Missed PAYMENT .... after the fact they reported the account Closed on XX/XX/XXXX .... but they reported a missed payment that supposedly occurred last month, XX/XX/XXXX, on the XXXX CREDIT FILE. They are deliberately trying to victimize me. Again on the XXXX file they are deliberately reporting it as Open with a current missed payment. Fraudulently reporting is something hopefully you guys can see when I upload the documents. A Charge-off account cant be an open account. Please investigate and delete this fraudulently reporting company. Thanks in Advance