davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2020-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/20 I used my kohls charge card to buy XXXX gifts for my son who is only home until XX/XX/20 for XXXX as he plays out of state hockey in Pennsylvania. On XX/XX/20 the label was created at XXXX and tracking number was supplied for XXXX ( attached is the order number tracking number ) and the last photo is of the label creation on XX/XX/20. Today is XX/XX/20 and this order has not moved at all. Hence I have contacted Kohls 6 times snd only told wAit wait wait.. nothing we can do. XX/XX/20 XXXX MT I called again only to be told a supervisor would call me back which of course never happened. So far I gave talked to two women, XXXX XXXX, XXXX, XXXX, and another man yesterday on XX/XX/XXXX. My order will NOT be here by date promised XX/XX/20. Its terrible Ive talked to so many people including supervisors and nobody cares nobody is doing anything to get this label moving through the shipping system. I spent {$55.00} plus shipping and handling to not be able to hive my son his gifts before he leaves!!!! Ive talked to many many people and when I called and told them Im wanting to talk to corporate offices of kohls thats when I was told Supervsor will call me back and of course did not.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

on XX/XX/XXXX I made an in store payment of {$4500.00}, witch I have receipt and counselled check drawn on XXXX  ; this was a bank ck not a personal ck. the ck number was # XXXX. The money was applied to my card and I thought the problem was over, until for whatever reason I received a ck from XXXX XXXX  in XXXX Fl. on XX/XX/XXXX for {$4000.00}. I went to XXXX store manager and tried to get this fixed, but after calling the card number, they could not help me. I received a statement from Capital One Bank on XX/XX/XXXX ( notice the year is NOT a mistake ) that had a balance as of XX/XX/XXXX of - {$4400.00} after charges and debits and credits of {$480.00}, there was and ending balance as of XX/XX/XXXX of {$4000.00}. On XXXX I received a statement that had a balance of {$4700.00}, of witch I did not put on the card. What was placed on the card in XX/XX/XXXX and XX/XX/XXXX was paid off. I have counselled ck and receipts from XXXX. I still have the money that was sent back to me in the form of a ck XX/XX/XXXX for {$4000.00}, I will send this back to the card co, I was waiting on them to clear this up. However the {$710.00} they have charged me for fees and interest I should not pay, this is my complaint. PLEASE take care of this mater, thank you XXXX XXXX
Consumer complaint received 2023-10-17
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 2022-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (TX)

Dont remember everything, just know de person was very rude and nasty 2 me on my cell phone of me get properties taking away and needs be in court if not i will be sued lawsuit against me_ LVNV Funding LLCXXXX
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (MN)

Aqua finance failed to process my auto payments properly and made my account fall delinquent where I received bad credit reports and a increase in my interest rate for falling behind in the first place. They claim my card did not work for the regular monthly auto payment yet nothing changed with my card info or my billing information. Upon closer review and after contacting my credit card company aqua finance never attempted to pull the XXXX payment. I believe they did this predatorily to double my interest rates and for there own personal gain
Consumer complaint received 2019-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

my mother sent me funds from her account to my account via XXXX through Chase bank. Both her and I both bank with Chase. Our accounts are also linked together. She sent me XXXX via XXXX and Chase stopped the fund transaction and also blocked my online access to all my accounts. I was never notified of the blocked accounts until I went online with Chase to pay my bills on line. I call the number that Chase said to call to unblock my account and 2 hours later on the phone they would not unblock my accounts. they put me on hold to check my account for 20 min then hung up, I had to call back and start all over trying to fix the problem with my account. My mother accounts and mine are all linked together so they should have seen this. When I went into the Chase branch the worker called the Chase number and they unblocked my account but for 2 days I did not have access to my accounts online.Chase dose not care about there customer to send a fraud alert to inform the customer that there is a problem with there account. Just leave them in the dark even thought there are many verification Chase use to check a persons identification.
Consumer complaint received 2019-04-26
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. (IL)

Experian and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-10-17
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS ( Bluebird prepaid card ) refuses financial transparency by refusing to provide PERIODIC FINANCIAL STATEMENTS - as required by federal law.

AMERICAN EXPRESS refused me all access to periodic financial statements ( i.e., via online access, email or mail ).

AMERICAN EXPRESS refused me an online account stating on their website " We don't like delivering bad news. However, we're unable to approve you for an Account at this time. We appreciate your interest in Bluebird. '' When I purchased the Bluebird prepaid card, it did not state anywhere on the external Bluebird packaging that one could be potentially " declined '' for account registration. Thereby, AMERICAN EXPRESS intentionally refused access to periodic financial statements and other services for which I paid.

AMERICAN EXPRESS FALSELY ADVERTISED THE FOLLOWING SERVICES ON THEIR BLUEBIRD PACKAGING TO BE INCLUDED WITH THE BLUEBIRD CARD : *Free Early Direct Deposit *Free Online Bill Pay *Free Family Accounts *Mobile Check Capture AMERICAN EXPRESS charged me a {$5.00} service fee for falsely advertised services and periodic financial statements AMERICAN EXPRESS has refused to provide me.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an AMEX Blue Preferred Cash credit card online on XX/XX/2018 and was promptly denied. I was stunned and called to find out why. After several calls and departments I was told a prior bankruptcy showed a balance over $ 10k. My bankruptcy was filed 13 years ago and was showing this on all of my credit reports for AMEX. I assumed it was some kind of serious internal error. I had to wait until Monday to talk to the Research Dept and thought it would get straightened out. The Research Dept explained that they keep the information on file and can deny credit due to the previously charged off balance. I asked for how long, and she said " FOREVER ''. Forever?!?! Did she say forever? I was in stunned silence. I finally said, the purpose of a bankruptcy is to give someone a fresh start. I have no interest in doing business with AMEX. Thank you. I was under the impression that once the 7 or 10 years is up it is no longer an issue. I have excellent credit now, in the 800 's and don't carry any debt other than the condo I bought a year ago and a used car payment. I applied with XXXX today and was immediately approved at their LOWEST interest rate offered for that card even though they were in my bankruptcy too. I also work for a XXXX company that services Credit Unions. I have a XXXX. in XXXX. But I don't need that to know that this is XXXX. I'm beyond offended and feel this practice of keeping discharged bankruptcy information FOREVER, when companies don't even keep data for that long on ANYTHING else is unethical and unfair. I was in my late 20s and had never ever paid a bill late until I went into business with someone who didn't do what they were supposed to do and was left with everything in my name. It was not characteristic of my financial history before or after that. It's absolutely appalling to me that AMEX has given me a life sentence arbitrarily, without considering my financial picture the other 42 years of my life where everything has been immaculately spotless. Their loss, I have XXXX now and plan to use that card for everything I buy to get the cash back and will pay it off monthly. I'm disappointed in AMEX for being so impersonal. I want to know from the CFPB if this is ethical and if this is legal according to the CFPB and other financial governing agencies. I'm also going to ask a class action lawyer. I also work for the XXXX of the Legal, Compliance, Accounting and Finance Depts at work and will find out the best way to get to the bottom of this unfair practice. Good luck, AMEX. This won't be swept under the rug for long. This isn't the first complaint on this site against them on this very issue. Time to put an end to this.
Consumer complaint received 2022-05-31
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-31
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

My name is XXXX XXXX XXXX wife of the deceased XXXX XXXX XXXX, XXXX. I was working with XXXX XXXX  on a modification after my husband passed away suddenly on XXXX XXXX. I was also off work at that time do to a work related injury awaiting XXXX. XXXX worked out the start of a modification ... but sold my husbands mortgage mid modification in XX/XX/XXXX to SPS. I contacted them and they continued to accept my modification payments until I called them XX/XX/XXXX to make the payment and they informed me they could not accept the payment as they had turned it over to an attorney for foreclosure. They claim I am not the successor in interest to my Husbands Estate. I even had to pay an attorney to get a quick claim deed and my children all signed away any rights to this property. I have tried to send all the proper paperwork to SPS on at least 3 occasions. They have talked to XXXX XXXX from XXXX County West Virginia Fiduciary/Probate on the phone with me on a 3-way call 2 separate times and SPS still keeps insisting I am not successor in interest to my husbands estate and XXXX told them all paperwork had been done properly and West Virginia says I am the owner of this property. I want to keep my home and would like to work out a new mortgage with them.
Consumer complaint received 2019-04-26
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: EQUIFAX, INC. (CA)

All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Equifax : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX Balance : {$1500.00} DEPTEDXXXX XXXXXXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation (CA)

Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XX/XX/XXXX