davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX my account with Bluebird by American Express was closed due to me allowing my girlfriend to try and deposit her tax refund. This is where all my checks for my job are deposited into. The email i received stated i needed to write a letter to explain the situation and to be able to have the funds released. I wrote a letter the same day and sent it over night to the address i was given. About a week later I received a check for {$140.00}. This amount was my " Available Balance ''. I also had a savings account that was called the " Set Aside '' account. There was a balance of {$4900.00} in the account. I was using this " Set Aside '' account as a savings account. I have not been refunded this money XXXX of yet and have written another letter to Bluebird. The letter was sent on XX/XX/2020. The company has been no hep. the contact number i was given is useless. the reps all tell me the same thing, to write a letter. I am in dire need of this money due to the current crisis. Please help resolve this issue
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

Anual Fee posted on XX/XX/XXXX on US Bank Flex Perks rewards credit card. Attempted to close account XX/XX/XXXX and US Bank refuses to prorate or refund annual fee of {$49.00}. Spoke with XXXX on a recorded hotline. 

1. Policy is not clear 2. Card profuct is being discontinued 3. Card has not been used in many years 4 {$49.00} annual fee on a card with little benefit and {$1000.00} limit is predatory.
Consumer complaint received 2020-03-30
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. (VA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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 XX/XX/2020 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
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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, TX XXXX XX/XX/2020 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 XX/XX/2020 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
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

USAA Bank is reporting two accounts under my previous name that are both a result of identity theft. i originally notified the company almost 4 years ago of these fraudulent accounts but still nothing has been done. I have sent this information in time and time again. I once again am including my court orders and police report.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was paid {$2500.00} to my XXXX XXXX  account, which by default was set to send to my debit card within 24 hours. The money never arrived. First, I reached out to the sender to confirm the money was withdrawn from his bank account and sent, which he confirmed the money successfully withdrew on XX/XX/XXXX. 

Then, even without $ deposited in my bank, XXXX XXXX transaction status listed " completed ''. So I called Chase who maintains they DECLINED the transaction due to an address discrepancy, which has since been fixed. Yet XXXX maintains that even though Chase declined it, they held the money and Chase provided XXXX with bank transaction # XXXX. 

Over the next 10 days was a back and forth between XXXX XXXX  and Chase Bank customer service, where my money still has not come. Chase maintains they have no way to track back transaction # XXXX ( which is hard to believe ) and still insists they don't have my money. While XXXX insists that they do. 

Bottom line, I need my money ASAP, and this process has only been more infuriating that Chase has horrible phone support and no online support. And XXXX has no phone support and only online. So I can't even get the parties on the phone together! 

Please help me resolve this.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solomon and Solomon, P.C. (MA)

My account with XXXX is with a collection agency Solomon and solomon, on my credit report in XXXX it states account balance XXXX past due amount XXXX. I have made payments in XXXX of XXXX, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/100. The latest report in XXXX states XXXX, how can that be if I made payments and on time. I have tried to call and was on hold for 10minutes, this is before the pandemic.they do not send out any statements and when you go on line there is no account statement, just make a payment. As stated earlier the account XXXX XXXX XXXX XXXX. In my opinion they are not reporting the correct amount and is a reflection on my credit score.
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC (MN)

I owed a credit card debt with XXXX XXXX which was charged off and placed on my credit reports as a bad debt. The owner of the Debt is now Orion Portfolio services LLC in Georgia. Orion works with a third party collection agency XXXX. I sent a letter via email to XXXX to Mr. XXXX XXXX, a supervisor, on what I was requesting to settle the debt. I requested all information associated with this debt to be removed 10 calendar days after my payment and if they accepted these terms to send a letter on their letter head. I received a email back indicating Orion agreed to my terms accept sending the letter on their letter head. On XX/XX/XXXX I made the payment with a Mr XXXX who indicating he would be sending the information to Orion as a one off to get this removed from my credit report. On XXXX XXXX, XXXX XXXX XXXX placed a bad debt on all my credit reports for the same company ( XXXX XXXX  ). Not being aware of XXXX I reported them as Fraud. I have since found out they work for Orion. I have made repeated calls to Orion, they refuse to let me speak with a supervisor or a manager. I have spoken to XXXX who indicated they sent the information to Orion on XX/XX/12. I spoke to XXXX who indicated they have not received payment. The 10 calendar days have expired and the original charge off is still on my credit reports.
Consumer complaint received 2021-10-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (GA)

My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

So XX/XX/2020 I got an email by XXXX credit monitoring that there was a derogatory report. I hadn't received any notification nor collection letter stating I owed. I went on the website and called Midwest Recovery Systems llc which is listed as the debt collector for the {$640.00} I supposedly owe. ( XXXX XXXX, the rep ) told me they have no record of me, I gave them my social, name, maiden name, and DOB. I was told the debt was sold to them by XXXX XXXX, I called them. No record also, but they couldn't look up " archived debt " even though it was just put on the credit report. They told me who the company that originally sold them the debt " XXXX Credit card by XXXX XXXX  ''. I looked up their information, called them no information/record on me I've gave them what address I possibly could have been listed, and my birthday. I called XXXX PD to make sure I had a record just in case it was an issue of identify theft. Gave the investigator the information told by me from the companies I had communicated with. I have a police report number and was told unless it was identify theft they couldn't help me further but it was documented. I called Midwest back with this information, and was told they would investigate and would follow up. Haven't heard anything back & they give me the " we're still investigating run around game '' and I could talk to the director XXXX. I reach out to XXXX  also because I wasn't confident that Midwest would follow thru on this phony debt. Please help me, I don't want something on my report if it isn't true
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent an identity dispute letter for the inaccurate reporting of my personal information XX/XX/2023, XX/XX/2023, & XX/XX/2023. There are multiple aliases & addresses. Although XXXX XXXX XXXX both are reporting my personal identification information ACCURATELY which I will attach a copy of my personal identity information with them both, Experian refuses to update it correctly. It is my believe that for financial gain which Ive stated in my previous CFPB complaint # XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (LA)

Kia motor finance gave me a payment arrangement on the XXXX of XXXX. On the XXXX of XXXX they picked up my vehicle and charged me {$800.00} for repo fees and would not pull the recorded phone call to show that there was an arrangement. They refuse to help with the fees on this matter.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (VA)

NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with COMMONWEALTH FINANCIAL. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.
Consumer complaint received 2022-12-28
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. (FL)

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXX XXXX  XXXX XXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given
Consumer complaint received 2022-12-28
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. (FL)

I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-06
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. (TX)

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC. (OH)

I get phone calls at XXXX and XXXX XXXX  everyday over a month even after I registered the number. I can't talk to live person it just hangs up. left message not to call but they continue.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted Equifax on XX/XX/23 and spoke with XXXX XXXX in the fraud dept to notify them that an account appeared on my credit report as well as an unknown address. He provided me with an address dispute confirmation number, but it was never removed. I realized the address on my XXXX report and immediately contacted them and spoke with the fraud dept. Their dept immediately removed the address but did inform me it was attached to an account and provided me with the account name which is XXXX XXXX. However, the account did not appear on my XXXX or XXXX, but the address did. XXXX was also informed of the information and had removed it as well. On the call with XXXX XXXX, He stated I needed to file a report with the FTC as well as file a complaint with the CFPB before they can remove it. Even though XXXX XXXX was aware that the account nor the address did not belong to me he proceeded to allow inaccurate information to be furnished on my credit report and acted as if he was putting in a dispute request for me. I also advise that my information was exposed in the Equifax data breach and I had to file a claim.
Consumer complaint received 2020-04-10
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 contacted Equifax about XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.