davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

I inadvertently purchased the wrong technology TV and tried to cancel almost immediately. The button to push to cancel never became live, although I tried for days. I began a return since I couldn't get anywhere else. I filed a dispute with Synchrony and checked back in about 6 weeks since I hadn't heard anything. I was told that it was decided in the vendor 's favor. After my initial shock, I gained enough composure to re-explain that I did not receive this TV and that I was beginning to think it was a scam from the start since you could only cancel if the button became live. It never did. Obviously, the investigation was poorly done. I was told my only recourse was to file another dispute and wait for another 30 - 90 days. In the meantime, my Synchrony Amazon account is carrying this balance. I never signed for this tv and I would think a picture of the delivery should be required, everything else does? They have no proof since it was not delivered to me. I just contacted Synchrony about the second dispute and was told it was decided in the vendor 's favor again. I think it is a third-party vendor with Amazon? Please help. I am so stunned and in disbelief that the credit card company, of which I am their customer, has no proof of my receiving this product yet is now looking for payment!! Thank you for being my advocate, I am at a loss.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (WA)

Original credit card debt from XXXX from an old XXXX XXXX credit card. Collection bill was sold to Sentry Credit , Inc . I received updated collection bill on XXXX for {$660.00}. I paid {$660.00} on XX/XX/XXXX. Sentry Credit did not report bill as PAID IN FULL. My credit has been dinged and the credit reports say this bill is UNPAID. Such fraudulent practices when a person actually pays their debts?!!
Consumer complaint received 2024-03-18
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Financial Service LLC (Idaho) (ID)

Debt was with XXXX XXXX XXXX XXXX ID. I already paid this company XXXX to XXXX dollars. However they kept saying they needed more time. They needed to do more applications. After 5 month of this I was fed up. I paid their first fee of XXXX or XXXX. With no results. I had renters bothering me daily. So I called up XXXX and had them come out for about XXXX dollar and they finally took care of the issue. XXXX however says I still owed them XXXX dollars. Which I refused to pay since they did not take care of my issue. They then put a XXXX dollar fee on to the XXXX making the sum XXXX dollars. Or XXXX. I forget. XXXX XXXX XXXX has now sold the debt it appears to Advantage Finacial Service XXXX. They have now said the past bill was XXXX, and they are now charging interest bringing the bill to XXXX. As far as I know collectors can't charge interest. Even if they buy out the debt. I WILL NOT PAY ANY ADDITIONAL SUMS on this since they did not meet their obligations of getting rid of the pests.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp. (NY)

on XX/XX/2021 around XXXX - XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX rejected my transaction of money remittance of {$190.00} to XXXX XXXX XXXX . According to male customer representative, his screen is displaying my name, address, and phone number with - Blocked for Remittance. For XX/XX/2021, money remittance has reached {$60000.00}. 
I gave XXXX rep this info : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX XXXX I called Police Precint XXXX. Detective asked for screen print with the 'Blocked for Remittance ' message. 

I came back the next day, XX/XX/2021 with XXXX XXXX. XXXX submitted the same transaction of money remittance of {$190.00} to XXXX, and the transaction went through. Confirmation Number = XXXX. Cashier = XXXX What happened next is a conversation, and there is no paper trail. I asked the female customer rep for the screen print - when using my name, address and phone number. But she declined. She called her Main Office, and allowed me to speak with XXXX ( or XXXX ). Main Office was asking for my phone number. And I said I would provide the phone number. Will you allow your lady customer rep here to give me the screen shot? And XXXX would not commit to it. She keeps saying that she has to check their system. After going around the same line of conversation, I decided to leave, without providing my Phone number. That is because, they would not give me the computer screen shot the detective asked to get. Also, providing my phone number may just aggravate the situation. 

Please help in clearing the fraudulent use of my name, address and phone number in XXXX XXXX XXXX. 

According to the receipt XXXX received from his remittance, the company is called XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX, with telephone # = XXXX
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (IL)

Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Credit company was contacted during the Pandemic, when everything was on Pause due to shut down, including late payments and negative reports to credit agencies starting, in XXXX XX/XX/XXXX. I notified Capital One of my illness, and of a missed payment error and was told to submit the request, in writing. I was provided a corporate address. I submitted the letter, and the one negative report on my credit still remains. I contacted Capital One again in XXXX, and was given another address. I called about three weeks later to follow up with a supervisor, who told me there was nothing they could do, since I had a late payment history with them previously, they could not remove this one late report off of my credit report. I acknowledged that I have made late payments in the past that were not reported to the credit agencies, because they were only a few days late, but this was an exception and due to the pandemic, all credit agencies were supposed to grant a courtesy in regards to reporting negative payments due to the pandemic. I only had one excessive late payment, and I have not been late since. I explained that due to this, I was unable to refinance my home and the impact that it has had on my credit report. Prior to this, I had a 100 % payment history, and scared banking agencies looked at this recent blemish as an excused not to refinance a desperately needed cash out loan, which I needed to pay off my credit card debt. My Credit is currently XXXX, but I have a high debt to income ratio. The supervisor refused to make the adjustment, in light of my 2 mail request and the pandemic government order for them to do so, in order to lend consumers a helping hand, during a world crisis. How heartless can they be.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to withdraw cash from my Edd Bank of America debit card and someone withdrew {$1000.00} from my Edd debit card account. on Monday on Tuesday day withdrew another {$150.00} I immediately call Bank of America and reported the fraud. During that time in the area of the bank a male person call my wife phone claiming that he was an investigator  looking for a person who lived at our previous address at XXXXXXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2021-10-04
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: CBC Companies, Inc. (FL)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

INNOVIS is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - INNOVIS is civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
Consumer complaint received 2021-03-13
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: JPMORGAN CHASE & CO. (CA)

In XXXX, XXXX, I charged XXXX airline tickets on XXXX XXXX ( the " Airline '' ) to my Chase Ink Business Preferred Credit Card. I cancelled that card and replaced it with another Chase credit card in XX/XX/XXXX. The Airline cancelled all my purchased flights at the end of XX/XX/XXXX due to the pandemic. In early XX/XX/XXXX, I discovered that the Airline had refunded the cost of the plane tickets back to my cancelled Chase Ink credit card. My total charges in this matter amount to {$10000.00}. 

Upon written inquiry to Chase Cardmember Services on XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX, stating that 14 credits were returned to the merchant 's bank with a separate reference number for each of the 14 charges being returned because Chase was " unable to find an account '' for me. The phone number provided by Chase for the merchant is not correct. Further inquiry through telephone communication to the general Chase Card number, a visit to my local Chase Bank, and discussion with Chase higher level help specialists resulted in being told Chase has no other information because my account was purged from their system. I faxed the attached letter to Chase Card Services on XX/XX/XXXX requesting further information but have received no response to date. 

The representative in the XXXX XXXX XXXX XXXX has stated that the airline has no way to trace or check whether they received the funds from Chase without further information, including the date and time and exact amount of each wire that was sent. Chase has indicated to me they do not have this information. 

If it had been disclosed to me that my credit card account would be " purged '' and all account information deleted by Chase and no refunds would be possible in the future, I would not have cancelled my credit card.
Consumer complaint received 2024-03-18
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX 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 2021-10-04
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: Experian Information Solutions Inc. (CA)

This is a submission regarding the same incident indicated in complaint XXXX. EXPERIAN responded to the complaint indicating unauthorized use or some kind of 3rd party. I called EXPERIAN today XX/XX/XXXX to provide verification of my identity. I spoke with a representative, XXXX, who helped me with this matter. XXXX told me EXPERIAN believes they are not civilly liable to me in this matter. XXXX verified my identity, and confirmed that I am the authorized user on this account. There should be no claim by EXPERIAN in regards to any kind of authorization or third party use moving forward. XXXX verified that the account in question was deleted directly after my initial dispute, further proving EXPERIAN 's negligent behavior and willful noncompliance with consumer protection laws. I notified XXXX and EXPERIAN to notate my account with with fact that I called in and verified my identity, as well as the fact that I will be filing an additional CFPB complaint. See initial complaint below : On XX/XX/XXXX I disputed an alleged account # XXXX XXXX XXXX XXXX with EXPERIAN. EXPERIAN reported this inaccurate, incomplete, and unverifiable information without first investigating the validity of the claim by XXXX XXXX XXXX as they are required to do by federal law. EXPERIAN caused me financial injury and defamation of my character by reporting this incomplete, inaccurate, and unverifiable information. EXPERIAN deleted this alleged account from my report due to my dispute report number XXXX. EXPERIAN is civilly liable to me in the amount of {$4000.00} ( XXXX XXXX dollars ) for their willful and negligent noncompliance pursuant 15 USC 1681n and 15 USC 1681o I demand to invoke my specified remedy provided to me as a consumer and natural person protected by 15 USC Chapter XXXX.
Consumer complaint received 2021-10-04
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)

I am main cardholder for Synchrony CareCredit card. My spouse is only authorized user. He filled for Chapter XXXX Bankruptcy, and Synchrony blocked my account to make payments. I called them in XXXX to let them know that I will keep making payments, and that I am main card holder. I also called my spouse attorney who advised that they can prevent me of making payments only if Chapter XXXX is filled. I had to mail payment for XXXX, and now for XXXX they did not even mail me out statement. I have called multiple numbers ( XXXX and XXXX ) today at XXXX XXXX Eastern Time, and I am receiving answer that they are not working. My payment is due today and online access is blocked by them, so I can not make payment. I do not want to have any late payments reported on my Credit report. Last month they had XXXX people answering the phone, and I could not understand a single word they are saying. I kept asking for US rep. and was told that they do not have anyone working in US. Can you please help?
Consumer complaint received 2021-03-14
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called NELNET, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

NELNET : XXXX amount {$4000.00} NELNET : XXXX amount {$2600.00}
Consumer complaint received 2021-03-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Theyre reporting late payments on a second mortgage. We got out of bankruptcy but no one told us to resume making payments to the bank we tried paying the trustee as we had been and when we talked to XXXX XXXX they said they would fix it but never did. If you look at our payment history we have never been late on our mortgage payment. It was not our fault as we had no direction from the trustee or bank that we should pay the bank directly. XXXX removed our bankruptcy info but not the 2 late payments. I also would like you to look into my credit score because experian has me at XXXX but they continue to report my score as XXXX to people who inquire on my credit which causes me higher interest. 
I also would like the XXXX XXXX investigated as I believe that was my husbands account and should not be reflected on my account. I disputed both account but no change has happened. Another thing that I would like to know is when I did XXXX  to try and up my credit score I had no change so because there was no change I canceled XXXX and experian lowered my score by 3 points.