davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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. (TX)

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) 29 potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXXXXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX/ - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-07-12
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. (TX)

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) 29 potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX Auto Financing XXXX  - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXXXXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX/ - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/CAR CARE DISC TIRE THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR SYNCHRONY BANK AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED SYNCHRONY BANK AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX we made a payment via ACH that paid off the entire balance of the card. This payment cleared our bank in XX/XX/XXXX. On XX/XX/XXXX about a third of the credit line was made available even though the account showed fully paid off. 

I contacted PayPal through the online support channel and was told that it was a security measure being used on the account and any hold should be lifted 7-10 days from payment. As of today the account is still not showing the full credit limit available. 

I am unable to find any documentation on PayPal sites about how they hold/clear electronic payments.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I have had an ongoing issue with Chime Bank for upwards of a year. Originally, they froze my account on claims of " fraud '' and once I sent over my documents ( ID, direct deposit information, etc ) my account was restored and I assumed that was the end of it- but I was very mistaken. My account was closed and made inaccessible soon after with a balance of {$15000.00} that I to this day do not have access to. I've called numerous times and have been given the run around/countless excuses as to where or why my refund has not come yet. This has been a complete nightmare for me as that money was the entirety of my savings and I have been through a global pandemic having to scrape by borrowing money from friends and family. Had I known then what I know now what an unreliable bank it was I would have never opened an account.
Consumer complaint received 2021-07-12
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: JPMORGAN CHASE & CO. (GA)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and XXXX and Transunion is 3-5 points lower.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This is my statement to report four offenses. Data breaches, violations of FCRA law, Identity Theft, & fraudulent addresses reporting to XXXX, & XXXX. I have taken matters into my own hands with hiring of private investigative resources that have supplied me and my legal team concrete & substantial evidence related to the Identity Theft, fraudulent addresses and compromised identity that had to be reported stolen. I filed a DS-64 report for the compromised stolen ID to prevent any damage and had new GOV issued identification issued out of an abundance of caution. Given new evidence that has been presented to me if these violations are not corrected, I'm prepared to pursue legally made pursuant to Section 615 ( f ), Section 623 ( a ) ( 2 ), 623 ( a ) ( 6 ) & Section 605B of the FCRA. Please update your records and stop reporting inaccuracies in relation to these offenses. The new evidence supplied to me by my team overwhelmingly links the fraud and proves that my information was exposed in not just 1 but multiple data breaches which have caused me massive turmoil.
Consumer complaint received 2021-07-12
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. (NC)

On XX/XX/2021 I purchased keratin bond hair extensions online from a website called " XXXX XXXX '' for {$840.00}. I received the hair extensions and had them installed by my hair stylist. The extensions felt rigid and hard in my hair and I asked for the extensions to be removed. When my hair stylist sprayed the bonds with the solutions provided, the bonds went from being clear to a milky, white paste and had a glue-like consistency. The process of removing the keratin bonds was extremely painful. I purchased these hair extensions because they were marketed as keratin bonded, which should be an all natural hair protein and it clearly was not. I contacted Chase on Monday, XX/XX/2021 and was told since the product had been utilized they could not file a dispute. I do not see how that provides the consumer any protection as the goods I purchased were not as advertised. I would like a full refund and I would be more than happy to send the remainder of the hair extensions back to XXXX XXXX.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Consumer complaint received 2021-07-12
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: ALLIANT CREDIT UNION (AZ)

Saw an online ad for a XXXX XXXX XXXX that I was interested in buying. Purchased online ( XX/XX/2021 ) at XXXX for {$65.00}. Payment was on my credit card but handled through XXXX  ( I did not use a XXXX account for the purchase ). I received an email from XXXX that showed XXXX XXXX XXXX XXXX as the merchant. Never heard from the merchant. I went on the website and found phone and email contacts. The phone is disconnected and the email bounces back as undeliverable. On XX/XX/2021 I contacted my credit card issuer, Alliant Credit Union. I filed a dispute and they sent a confirmation email. I have called them numerous times and they have still not credited my account even though every time I call they say they will do so. Please help me get a refund on my credit card.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MO)

Issues with making payment due to current Covid environment resulted in an insufficient funds fee. Barclays customer service was not willing to refund fee. Very disappointing that Barclaycard is not helping-assisting people during this difficult time.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (FL)

I was told by a Equifax represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with Equifax for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. Equifax have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # XXXX AND DISPUTE ( XXXX XXXX XXXX. I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (NY)

A PERSON NAMED XXXX CALLED ME FROM D2 MANAGEMENT STATING SHE WAS CALLING TO COLLECT A DEBT FROM XXXX XXXX OF AN AMOUNT OF {$340.00}, I STATED THAT THIS WAS NOT ME AND THAT I DONT HAVE A DEBT WITH THEM. SHE STATED THAT SHE CAN COLLECT THE AMOUNT OF {$200.00} NOW TO GET THIS OUT OF COLLECTIONS. I STATED THAT WHY WOULD I PAY YOU THAT AMOUNT IF IM NOT THE PERSON THAT OWES THE AMOUNT. SHE STATED THAT SOMEONE HAS MY SOCIAL SECURITY NUMBER AND OPENED AN ACCOUNT IN MY NAME. SHE THEN STATED MY WHOLE SOCIAL AND THEN I CONFIRMED THAT IS MY SOCIAL. I THEN LOOKED UP MY XXXX XXXX ACCOUNT AND I HAVE NO OWED PAYMENTS. SHE STATED THAT THIS IS ANOTHER ACCOUNT AND THAT I USED THE CARD THEN CLOSED THE CARD OUT. SHE THEN LOOKED UP THE ACCOUNT NUMBER AND STATED THERE IS 2 ACCOUNT, I STATED THAT IT WAS NOT ME. SHE STATED TO MAKE A POLICE REPORT AND THEN EMAIL THEM THE REPORT. THE EMAIL AND NUMBER THERY PROVIDED WAS XXXX AND THE EMAIL IS XXXX THEY ALSO CALLED ME FROM A LOCAL NUMBER THAT THE NUMBER THEY GAVE ME TO CALL BACK. I DID MAKE A POLICE REPORT. THE POLICE DID STATE THE NUMBER THEY CALLED ME FROM IS A FRAUD ALERT NUMBER THE NUMBER IS XXXX AND ALSO THE EMAIL.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been a customer and client of SunTrust bank for a very long time. The bank has been very professional and communicative having competent staff and brilliant workers. I have been very satisfied with the services of your bank until now. I am very disappointed with the recent discrepancy of your team regarding a matter of the unauthorized transaction. 
On XX/XX/2021, at XXXX Someone impersonated myself drafting {$1000.00} from my account. It seems very odd that this transaction was preformed just a couple days after receiving the stimulus check from the government, not only that, I also did not receive any paper statement on the month of XXXX or XXXX, but previously I have been receiving the paper statement without any issues. When checked with the teller. she explained that somehow, I was switched to receive electronic statements, which I had never done either, since I need the statement provided for my HUD low-income renting apartment manager. So, after not receiving the paper statement on these months, my son and daughter in law helped me to signed up to online banking and I found out about the {$1000.00} withdrawn on XX/XX/2021. Them, I immediately disputed the charges on XX/XX/2021, the banker that assisted me to open a new account and to do the claim for the unauthorized charges. 
On XX/XX/XXXX I received a letter from the fraud assistant center stating that after careful consideration they were unable to honor the claim, talking about the rules and regulations of 30 days which are totally wrong. The rules and regulations are 60 days as its stated on the own SunTrust Bank page 22. The letter is also saying that the bank should be not liable for any unauthorized items of your statement unless you are giving notice within 30 days after receiving the statement, but the XXXX statement was never received otherwise I will be reporting this earlier. Fortunately, I was able to catch it online and reported before the required 60 days, for that I am entitled to receive my stolen money back. 
I returned to the bank Yesterday trying to solve this issue. I was received by a banker she was very professional but said that there was nothing that the bank could do to solve this matter. 
I really appreciate any help you could offered. thanks
Consumer complaint received 2021-07-23
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)

XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX  and Equifax regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I tried to increase my credot limit to XXXX and I'm more the n capable as I have a few credit cards on with the same limit on my report. Capital one based nothing on the report said I have not made more then the minimum payment on the account which is false. I though I had a great relationship using the card as I have payed the account off multiple times! I have proved payment is not an issue!
Consumer complaint received 2021-07-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I contacted Mr. Cooper on XX/XX/2021 at XXXX, I spoke to a XXXX, she stated that she will file my complaint to the 'dispute ' department and that I will be receiving an email within 24 hours. 
No email was sent to me, therefore, on XX/XX/2021 I spoke to a XXXX and she told me that Mr. Cooper will be sending me a letter with an explanation of the dispute complaint filed. Today is XX/XX/XXXX, and I have yet to receive an email and or a letter from Mr. Cooper. In the interim, I have filed a dispute with XXXX  and XXXX  credit reporting agencies, of the false reporting filed by Mr. Cooper.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

XX/XX/2021 chime sent an email to me stating that they were going to close my account within five days unexpectedly. So I reached out to them and the only thing they was able to tell me upon me asking why, was that I violate the agreement and to go read a section that explains it on website. My response was that I didnt violate the terms nor agreement of chime, I only receive my tax refund, stimulus, and work payments so how is that fraudulent activity. They couldnt answer my question. So on XX/XX/2021 I reached out to XXXX hes the one who invented chime and I havent received a response. This is not fair, for them to just close individuals account for no reason, and tell them theyll receive whatever funds thats in the account in the mail as a check.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed 10x student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX  and XXXX reports. However, XXXX continues to report these accounts as accurate to Transunion. I have contacted XXXX, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with XXXX. I could only utilize my fathers information to reveal the accounts when on the phone with XXXX. 
Transunion website issues preventing convenient access to dispute status.