davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (TX)

I been sending numerous letters to equifax credit bureau. And each time they give me different things to do .. one representive gave me a fake name and said that it was protocol .Im fighting to remove fraudulent information from my credit and customer service personnel if basically giving me fraud information .. this is why I cant get anyone to help me. I will also seek legal counseling about this situation so it doesnt happen to anyone else.
Consumer complaint received 2021-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I hired XXXX XXXX to repair my slow computer. I paid him {$290.00} on XX/XX/2021. He removed the computer from my home and replaced my hard drive. The computer was returned to me. I discovered that he had failed to transfer any of my files from the old hard drive onto the new hard drive. All of my pictures, files, documents, etc. were gone. The computer was still running slow. Despite my numerous attempts to reach him by phone and email he never responded to me. The attached documents clearly spell out my complaints with him. 

Capital One denied my dispute claiming in a form letter that I had not provided all of the information that they need to resolve my dispute, that is hogwash. I supplied every fact that was necessary to document my dispute and resolve the dispute in my favor. 

So for {$290.00} my computer still runs slow and all of my files etc. are forever lost. 
XXXX XXXX is not entitled to be paid for his " services ''. He is an incompetent thief.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice. 

I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon. 

On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions. 

I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close my account.
Consumer complaint received 2020-12-30
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. (TX)

I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.
Consumer complaint received 2020-06-11
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}
Consumer complaint received 2020-12-30
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: Convergent Resources, Inc. (NJ)

On XX/XX/2020, CONVERGENT OUTSOURCING added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, CONVERGENT OUTSOURCING has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-11
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)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Contacted bank support via mail, email snd XXXX  XXXX via email first week of XX/XX/2020 to close account was advise account gad an available balance of {$100.00} do i want to withdraw or gave check iddued as accounted needed to be at XXXX I withdrew i was advised on a recorded line account submitted for closure i gave it no mind at all thereafter I then received notice of charge off showing in chex systems and ews i again contacted all of the above i was advised there appeared to be a posting error which resulted in fees but rest assured they were were removing all fees and pulling account back from chex and ews 1 of the 3 took place rep advised exact amount showing was being credited back and i no longer haf to worry about as it was very clear there was zero activity past that point
Consumer complaint received 2020-12-30
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: EOS Holdings, Inc. (MD)

i have contacted this company numerous times trying to resolve this matter. 
i sent them a validation letter XX/XX/XXXX which they never responded. 
then i sent another letter to them XX/XX/XXXX and the responded with nothing an account number, address and original creditor information, i wrote back requesting the original contract from the creditor, i contacted them to day XX/XX/XXXX and they mailed a bill not a contract. 

The account they are alleging i owe has inconsistent dates opened last activity and being a third party collection agency, I would like them to provide me with an original contract bearing my names, signatures and any identification obtained such as drivers license, state ID with clear dates
Consumer complaint received 2021-08-26
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. (NY)

In XXXX I sent a letter to each major credit reporting agency ( XXXX, Experian, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

i received payment of {$2400.00} total from few colleagues of mine on XXXX XXXX on my venmo account, i was able to transfer the payment to my bank account but about 30 min later i received a message saying my account was frozen that i need to upload some of my document which i did but my money got moved out of that venmo account but it was not reflecting because venmo froze the transaction and the money.after uploading my document i was expecting my account to be unfrozen and my bank transfer of {$2400.00} gone through to my account but nothing was showing and my venmo account still frozen and i try reaching them but nobody was answering me.
Consumer complaint received 2024-02-23
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

American Express has established an extra account under my name which I have never used. 
They claim I have made payments on this account but I have not. I only made payments on a card I authorized but not the account they are referring too. 
Now they are claiming late fees and impacting my credit score. 
My bank has stated they do not show any proof that I paid for that account from my account. 
American Express continues to say i made payment but will not provide proof.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

In the month of XXXX I XXXX XXXX applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). The above correspondence was sent and received by American Express via Certified Mail return receipt # XXXX on XX/XX/2021.
Consumer complaint received 2020-06-11
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. (AR)

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2021-08-27
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: Upgrade, Inc. (NC)

This has been an ongoing problem with this company since XX/XX/XXXX when the company erroneously marked my account as delinquent. After 5 months of communication with the CSRs and two delinquent reports to the credit bureaus, the company finally corrected the issue and restored my account back to current along with correcting the reporting to the credit bureaus. However, after finally getting this fixed, I received a notice on XX/XX/XXXX that my account was suspended and decreased my credit line due to delinquency. We spoke with a CSR and a Supervisor ( XXXX ) and was told that it would take 3-5 business days to correct the situation. On XX/XX/XXXX, my card was declined ( suspended again ) and my account was reinstated as 82 days late. We spoke to XXXX again on XX/XX/XXXX and couldn't give us an explanation as to why my account went in reverse after 5 months of trying to get it resolved due to the company 's negligence. He told us that we have to wait some more until they figure it out. My credit has been affected tremendously by their actions, my life has been in limbo for the past ( almost ) 6 months of doing my due diligence to fix my account and credit standing. I never receive a callback and I get insincere scripted gestures and lied to about no adverse actions would be taken against my account. To no fault of my own ( and by the company 's own admission ) my account has been in turmoil and apparently no end in sight. I have been more than patient, heeded their direction to wait the magical 3-5 business days to resolve anything, to be met with more " wait and see '' answers. I initially wanted my credit line reinstated, however, at this point ( due to the company 's inaction and disingenuous actions ), I want my account canceled and the company can assume the remaining debt as a loss on their end. It is a small price to pay considering I have spent 5 months of my time on the phone, on email trying to resolve an issue that wasn't even my fault. My credit was destroyed and I have been in limbo as I waited for it to be restored, missing opportunities due to my perceived bad credit, and embarrassed in public when my card was declined during transactions.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (ID)

I opened a new mortgage XX/XX/XXXX with XXXX XXXX. 

Experian reported I had two IDENTICAL mortgages, so I submitted a dispute on line with Experian. These two identical mortgages were correct on the loan details other than they were just duplicated Experian researched the dispute and removed the duplicate mortgage. However, the remaining mortgage shown had two large errors. Although the mortgage was opened on XX/XX/XXXX, Experian was showing I had late payments made in XXXX and XXXX, XXXX. My mortgage wasnt even open at that point. The second error showed my mortgage balance at {$250000.00} even though the original loan amount was {$200000.00}. 

I filed a second dispute on XX/XX/XXXX to have the two errors listed above corrected. In filing the dispute, the Experian rep agreed that the information did not make sense at all. 

On XX/XX/XXXX, I called Experian to find out the status of my dispute. My credit score had dropped from Exceptional to Good and I was starting to apply for some minor things ( new home setup with internet provider, TV service, etc ) that were going to require a credit check. The Experian Rep told me they were still awaiting information from my mortgage company to resolve the dispute I filed on XX/XX/XXXX. 

I received notice via email from Experian on XX/XX/XXXX that my XX/XX/XXXX dispute was resolved. In looking at my account with Experian on XX/XX/XXXX, my credit report still showed that I missed two payments on my mortgage and the balance was still at {$250000.00}. 
I also was shown two alerts in my Experian account that " Your original dispute was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. '' AND " The dispute for the account with XXXX, XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX ''. 

On XX/XX/XXXX, after receiving these alerts I called Experian. The rep indicated that he now had documents from that they received showing the balance correct but needed to open up another dispute to get it corrected and that it would not be corrected until XX/XX/XXXX. 

Also, during this entire time, my mortgage company was reporting to me the correct mortgage balance and that I did not have any late payments. Nor did either of the other two credit reporting bureaus show these errors.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA keeps rejecting my payments even though I have money in my account to cover my payments. Then they charge me XXXX XXXX for each rejected payment. They charged me XXXX in rejected payments, even though I have money in there for my payments. this is nuts.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I spoke by phone with Experian, who ask for a re-investigation of the following hard inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX I placed a phone call to EXPERIAN at XXXX XXXX XXXX, on XX/XX/XXXX - I was told by XXXX XXXX team 'integrity ' that Experian will not due a re-investigation of unauthorized hard pull inquiries on my credit report. 

I then asked to be transferred to a supervisor. Initially, the supervisor did not identify himself, nor his team name. I asked him and he said " XXXX. '' After asking XXXX to repeat his team name, he Hung up on me, and ended the phone call. 

US CODE 15 STATES : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above, based on 'unauthorized ' inquires and Experian refused. Experian stated that he will only re-investigate hard inquiries if 'fraud in the form of someone else using your social security number ' The US law does not state this exception - the law states ANY item on the credit report. Therefore, Experian is blatantly disregarding the law and is REFUSING re-investigation.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (WI)

After a period of Covid forebearance I entered into a trial mod plan with XXXX in XX/XX/XXXX. I made first trial payment in XX/XX/XXXX. The mortgage servicing was transferred to Selene in XX/XX/XXXX. They refused to abide by trial mod I had reached with XXXX. They refuse to tell me why and have repeatedly refused my requests for documents such as an accounting of the loan. I get a different story every time I talk with someone and promises never kept. Now they want me to enter into trial mod with double rate