davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TN)

Discover Student Loans is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. Discover Student Loans put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on Discover Student Loan account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. Discover Student Loans is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the Discover Student Loan account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and XXXX. The credit bureaus responded that Discover states they are reporting accurately and therefore my credit report status for Discover Student loan remains the same.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase place the amount of for {$3500.00} back to my account and said it was my responsibility when it is not they advised phone verification was done and this is because we were hacked and sent text messages we thought from chase and believed to be the cammers or fraudsters and was completed on XX/XX/. We confirmed that an over-the-phone verification was completed by text message to your phone number ending in XXXX. You are welcome to provide additional documentation for reconsideration of your fraud claim. XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC (TN)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance and XXXX XXXX XXXXXXXX made me purchase/include insurance separately
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently pulled my credit report, and noticed my information was exposed in the data breech the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX  XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : An online dispute was made : XX/XX/XXXX Confirmation number : XXXX ( enclosed is company 's modified generic investigation ) XX/XX/XXXX Confirmation number : XXXX ( enclosed is company 's modified generic investigation ) A dispute was mailed out to the company certified mail ( XX/XX/XXXX XXXX # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : 1. XXXX  XXXX XXXX {$300.00} - Inaccurate Reporting. Account has been PAID IN FULL 2. XXXX XXXX XXXX XXXX. {$15000.00} PAID IN FULL. I request you provide proof of these alleged late payments. 

3. XXXX CREDIT XXXX XX/XX/XXXX - Unauthorized Inquiry 4. XXXX  CREDIT XXXX  XX/XX/XXXX - Unauthorized Inquiry 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry 7. XXXX XXXX- XXXX XXXX - Unauthorized Inquiry 8. XXXX XXXX XX/XX/XXXX, XXXX Unauthorized Inquiry 9.XXXX XXXX- XX/XX/XXXX - Unauthorized Inquiry 10. XXXX  XX/XX/XXXX, XXXX Unauthorized Inquiry Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I purchase products from the company XXXX XXXX XXXX and it was a duplicate charge to my account. On XX/XX/XXXX XXXX XXXX XXXX returned one of the charges back to me. I was due to receive my purchase on the XXXX of XX/XX/XXXX. My items were detained by customs, I have that verified through both XXXX and the merchant. I filed a dispute with my bank, Chime XXXX XXXX XXXX  and the representative who started my claim filed the wrong dispute and chime approved it stating the merchant has already returned funds. Unfortunately I had to file another dispute, and when I did, chime once again approved my dispute stating the merchant returned my funds. They are all looking at the same return from the merchant on XX/XX/XXXX. Instead of them returning my funds to my account, they continuously give me the run around and promise me contact within 24/48 hours from an investigation team. After a month of me fighting for my money, I demanded answers. A few representatives did agree that there was an error made. I asked to submit a rebuttal but no one has gotten back to me. No communication no email correspondence or anything of that nature has occurred. This has caused a strain on my finances because during the time, my car was messed up and those funds would have covered my repairs and expenses and because I could not. I was unable to start my new job because of this lack of effort. Now I am not working and my account is in the negative by {$1.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

Experian has this negative paid off account on my credit that is expiring this year. However, there is no date listed as to when it expires. I'm certain it's 2023 it's due to expire. Why this is like this is beyond me. Therefore I'm including the creditor so that they too understand they need to get an expiration date on this account or both Experian and XXXX will be required BY LAW to remove it now!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

See attached, this item was charged off and has EXPIRED now past the legal 7 years it's required to remain on my credit! It expired in XX/XX/2023 yet here it is XXXX and it remains on my report. It DOES NOT MATTER that it was transferred to some other agency or whatever. This is the only debt that shows and it is NOW EXPIRED!!!!! It's time for you to remove it or risk being sued. I have several old negative accounts on my credit that have all expired and you've left them on my credit including Lendmark which expired LAST YEAR!!! Get it the XXXX off of my credit or risk being sued! Think I'm playing? Try me!!! I have all of the black and white proof even the reports showing how you illegally changed dates on my reports on negative and good old accounts, refreshing them and lowering my FICO. I've had enough so it's time to take legal action for violation of the FCRA laws if you refuse to remove these expired accounts!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a Capital One credit account through XXXX to help build my credit. I made my security deposit & received my card. I use it occasionally just to help build my credit. On XX/XX/XXXX, I charged {$110.00} to my capital one account. I do these charges again to help build my credit & I then immediately pay the balance once the balance is posted on Capital Ones app. On XX/XX/XXXX, I made the payment of {$110.00} paying it off. Capital one without my knowledge set automatic payment to my account so by doing this I got charged against for {$110.00} which was set to be paid XX/XX/year> for automatic payment even though I had already paid this balance. 

Today when I checked my credit score, I noticed that my credit score dropped by XXXX points for being late / delinquent on a payment. When I called Capital one, they told me that my balance was {$0.00} & it said the same on the app. When I checked an alert of a " New account '' under the negative options for my credit, it stated that I owed a balance of {$110.00}, the amount if paid. When I contacted them they told me that it was my fault for not keeping track of my account & automatic payment method. They have destroyed my credit when I put trust in them to help me build it. I don't know what to do. They destroyed it for no reason at all other than they tried to steal money from me. I am considering contacting a consumer rights attorney and suing for damages
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Last XXXX, before the annual fee was due on my credit card, I called Bank of America ( BOA ) to request a downgrade of the card to a no-annual-fee card. However, the customer service representative informed me that they couldn't downgrade the card, so I decided to close the account. At that time, I had overpaid on my credit card, and BOA sent me a check for the excess amount. Please see the attachment. 

In XXXX, I contacted BOA to inquire about why I still had outstanding balances when I thought I had closed the account. They informed me that my account had not been closed. After explaining the situation and providing details of the transaction in the attachment, they waived the late fee and tried to waive the annual fee. 

Since XXXX, I continued to have outstanding balances, and recently my credit score suddenly dropped. It was then that I realized it was due to this closed account. I immediately called to inquire, questioning why still have the due for my closed account. They informed me that the annual fee couldn't be waived, and the delinquent status could not be removed ; I had to pay. I felt unfair and sad. This is not my fault, but it hurt my credit. In a subsequent call, another representative claimed not to see the transaction on their records on XX/XX/XXXX, which is shown in my attachment and insisted that I had called multiple times to waive the fee. In reality, I had only discussed the annual fee in the XXXX call and XX/XX/XXXX to figure out the delinquency. Moreover, they accused me of imagining that I closed the account in XXXX. They didn't trust me and explained the transaction on XX/XX/XXXX. When I asked if the delinquency mark could be removed, they stated that it was my fault for intentionally not paying the annual fee for so long, and they couldn't do anything about it. Feeling unfairly treated, I eventually paid the overdue amount to avoid interest, even though it wasn't my fault. Their tone made me feel like they thought I was unreasonable and paranoid. Throughout the past few years, I have never defaulted on a credit card, but due to BoA 's mistake, my credit score has dropped over XXXX. I didn't know why my account was not closed last XXXX, the attachment is only evidence since BOA insisted I only did the conversion in my brain.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are dates of account opening when it was opened over XXXX yrs ago. I was in the hospital here in California all of XXXX. They are saying account opened in XXXX.
Consumer complaint received 2023-05-30
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. (IL)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

American Express continues to deceive customers to believe that they are on the card member 's side ( even after the XXXX  penalties ). 

Recently, after speaking to several agent, who encouraged me to use their dispute program promising me a fair resolution, I decided to use Amex dispute process in lieu of the merchant 's own dispute program. However, evidently, Amex dispute department did not even read the initial dispute documentation I provided, which should already invalidate the merchant 's defense.

It was clearly stated upfront that I am aware of my responsibility of returning the broken / defective and not as described merchandise. However, per the merchant 's own policy ( attached as a part of the supporting documents ), the merchant is liable to pick up or otherwise assist the buyer ( me ) to return the merchandise. At the minimum, the merchant is required to : 1. Provide an adequate return label ( the one provided was invalid or at least inadequate ). 
2. Provide packing / moving reimbursement.

3. Provide assistance in removing or packing the hazardous material associated with this return. 

All the above was clearly outlined in the merchant 's own policies. Yet American Express did not thoroughly examine all the documentation I provided. I was repeatedly promised a fair and adequate resolution by American Express. That's why I decided to participate and use your card for this transaction. Yet, I am left in an impasse. Because I selected American Express 's dispute program, I am no longer qualified to participate in the merchant 's own program. Now I am out XXXX.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

There is NO EXPIRATION DATE showing on my credit, see attached. This account was negative and should have been REMOVED IN XXXX! Yet it still shows on my credit a month later????? Why?????? Just because it says it was " sold '' doesn't mean that there is a collection agency or any other firm taking over the account. The account was charged off and now it's expired!
Consumer complaint received 2024-01-27
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)

My infromation was sold and bought illegally because I was a victim of the Equifax data breach. I want these itemes deleted from my credit reports effective IMMEDIATELY. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done NOTHING. Please help me remove and delete Please help me to DELETE these illegal accounts from my credit reports. 

1. DEPT OF ED / XXXX {$2900.00} or {$2700.00}
Consumer complaint received 2024-01-27
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (TX)

Within the span of around XXXX months I was called over XXXX times by Avant XXXX. Due to a debt that they stated was mine. I asked them to not call on numerous occasions and that request was ignored. The calls came at all hours of the day many came while I was at work. I eventually blocked them for fear of being fired for too many calls at work. On several days I would receive upwards of XXXX to XXXX calls.
Consumer complaint received 2023-06-30
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. (FL)

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. U.s. bankruptcy court reference number XXXX also date on trans union and XXXX and XXXX are wrong please delete this off my credit report asap. I did not give any permission to have this on my credit report also the bankruptcy court did not give permission or information to have this on my credit report.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

As per the attached letter, American Express clearly acknowledges that their How to Pay with Points and Member Rewards program DO NOT ALIGN. As per the website - I am entitled to have my points reinstated without penalty. Why must I pay for an airline ticket not used when the program clearly states that if you cancel your trip your points will be reinstated. No time frame - no restrictions mentioned. This is bait and switch. It is unfair practice.
Consumer complaint received 2020-12-29
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: Consumer Portfolio Services, Inc. (VA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020 and XX/XX/2020, CONSUMER PORTFOLIO SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-01-27
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX