davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my Walmart Credit Account since XX/XX/XXXX. My account with Walmart/XXXX XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, Walmart and XXXX XXXX converted some accounts over to Capital One. Capital One subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, Capital One is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had Capital One not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If Capital One would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from Walmart XXXX XXXX -to-Walmart/Capital One, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX / {$230.00} / XX/XX/2022 XXXX XXXX / {$5900.00} / XX/XX/2022 XXXX XXXX XXXX / {$5300.00} / XX/XX/2022
Consumer complaint received 2020-03-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (NY)

XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. 

XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. 

XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. 

XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. 

After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. 

I have also contacted XXXX but they did not receive any money from discover.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (CA)

Return the lease on time but they refused to sell the car and put too many charges and fees, according to them do to my credit score the refused to sell the car or give me another lease which its fine but they put many fees ( fees for return the lease and not getting another ; fees for extra miles, fees for small scratches in the seat, fees for a scratch in the window, fees for re stock the car ) some many fees and refused to negotiate the miles and or to give me the option to purchase the car as it- They never provide for my a detail of the charges when I sow the charges in my credit report I contact them and ask for an explanation they only gave me verbal information about the charges but nothing in write!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I requested the deletion of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My loan was recently acquired by this company and completed a trial Loan Modification with my previous lender. It is now approaching 60 days I still have not received the final documents.I have been on hold trying to speak with a representative for the past 3 hours. I finally got someone to answer the phone and she said that she needed to transfer me to another department. Once I was transferred I waited another hour and was then I was told that It is not my fault that you have been transferred to the wrong department and the she transferred me again! I didnt get a word in! 

This is unacceptable! I am confused as to how customer service representatives are able to disrespect customers this way. I have been patient and respectful and NO-ONE should be spoken to like that. 

I am requesting someone to get back with me on this asap. I can not believe how poor the service is with this company!
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through PayPal. PayPal released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, PayPal notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 PayPal notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my PayPal account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer ( and later, PayPal ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition PayPal will not release any transaction details ( Buyer 's bank or credit card company, correspondence between PayPal and Buyer 's bank or credit card company ). PayPal 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion did not properly investigate my complaint. The account I disputed was XXXX XXXX XXXX XXXX  listed on my trade line. I called the company and spoke with a representative who told me that the company had no knowledge of this account. With that being said, it should not be reporting to my TRADELINES. Transunion responded to my complaint stating that the item verified as reporting correctly.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IL)

I contacted ENHANCED RECOVERY COMPANY after seeing a bill from them on my credit report. They stated that I had a debt with XXXX, I initially asked about paying the debt, but then they stated they don't own the debt and will try to update. So I decided to contact XXXX where my account is closed and paid in full. 

The amount that enhanced recovery company is claiming was already paid to XXXX directly the payment confirmation number from XXXX was # XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (VA)

I was scammed on XX/XX/2019. I bank with Navy Federal in XXXX XXXX, VA. I deposited a check that was a fake check. I did not know that the check was fake. The bank failed to catch that it was a fake check also, and it resulted in me losing {$2500.00} in funds. I believed that the fake check was real because it was deposited and cleared. I did not know that a fake check could clear my account as the fake check sat in my account for about three days. Prior to using the check, I contacted the bank to ensure that the check was cleared, and that the funds were deposited into my account. It was confirmed able to use. 

On XX/XX/2019, I went into the bank and used teller services to cash a check. The check was handed to the teller and I provided with cash, {$36.00}. I received notification from the bank several days later that the check was an expired check. I had no idea. However, I could not understand how the teller failed to notice that the check was expired and could not be cashed. 

I have had many problems with Navy Federal missing critical fraud issues. It boggles me that the fraud/scams are not caught at a faster rate. I have had to contact them to inform them of errors made by their bank. I happen to believe that Navy Federal employees may be assisting or conducting these fraudulent matters.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report ConsumeXXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX  ( Account # XXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I was a victim of identity fraud more than once. I sent in the FTC identity fraud packet I gave them police reports and they froze my account and suppress my account and refuse to give me access to my credit for almost two years now.

They said they need documentation from the Social Security administration I have done that more than once.

I have mailed it a certificate of mail and they still won't unfreeze my credit access me while somebody else is using my credit to commit fraud and criminal acts. However, they said I sent in falsified documentation which is a lie because you can't falsify the FTC fraud packet or numerous police reports. 

I'm ready to take legal action and sue XXXX XXXX ; Equifax ; XXXX  : XXXX and XXXX for furnishing fraud information falsify information identity theft information and block me from correctly or getting access to my own credit report.
Consumer complaint received 2021-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

On XX/XX/2021 I paid off the remaining balance of my car in the amount of ( including their fees ) XXXX. The rep told me in the first week of XXXX, my info would be updated on my credit report. I had had a few late pmts reported due to difficulty during covid. 
Today it was reported still open, past due of 180 days, and on XXXX it showed a balance decrease of {$10.00}. 
I called the company and they did say the account was closed but said all they could do was send me paperwork to file a dispute with them.
Consumer complaint received 2020-04-10
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.