davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-11-01
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been a customer with capital one since XXXX Recently I had made a payment to Capital One and it kicked back. I had some fraudulent activity with my bank that caused the payment to kick back. Capital One closed my account due to not complying with their policy I called capital one to explain my situation and the fraud department submitted a request to reopen it and my request was denied. When I asked for the reason I was denied, I was then hung up on. This is ridiculous, I have been a long time customer who always pays my bill on time, I use the card for business, I lost {$5000.00} I use in capital to buy inventory for my shop. On top of all that Capital One closed my other card that had no association with the kicked back payment card. I am actually over paid on that account by {$17.00}. So I had a kicked back payment ( due to no fault of my own ) and they closed both of my accounts with them. This will impact my credit score and cause problems when applying for any new cards. I have not been informed of any direct explanation as to why, besides the vague explanation of not being compliant with their policy how is what these credit card company doing compliant or fair? This has also happened to two other capital cards of mine, I was too naive to do anything about at the time. My VENTURE & business SPARK accounts also got closed with NO REASON EXPLAINED I was actually told that they dont have to tell us the reason and I would get a letter in the mail with further details, I got a letter with NO details.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A. (MI)

In XX/XX/2021, I received a letter from Scheer, Green , & Burke Co. L.P.A about a " debt that was owed ''. On XX/XX/2021 I mailed out a debt verification letter requesting the following : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
Please provide a valid basis for the debt, such as the original contract between me and original creditor. In addition, provide documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Tell me the date the debt became delinquent and the date the last payment was made. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 
Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
Documentation showing you are licensed to collect debts in Michigan. I request the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license please explain. 

I sent this letter via Certified Mail on XX/XX/2021 with the estimated delivery date of XX/XX/2021. From the tracking number on the certified mail I can confirm that it was delivered on XX/XX/2021. 

Currently it is XX/XX/2021 and I have not received a letter back validating the debt or providing any of the information I requested.
Consumer complaint received 2021-10-06
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: DISCOVER BANK (SC)

On XX/XX/XXXX, my credit report was pulled by Discover Financial Ser and this was not by my consent. 
I would never try to apply for any Discover services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why Discover is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- XXXX XXXX has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (RI)

On XX/XX/21 I dined at XXXX XXXX in XXXX, a local restaurant that I have been to o a number of occasions ( as documented on my Discover charge history ) and that boasts of being the best restaurant in XXXX. On XX/XX/21 just 2.5 hours after dining at XXXX, I started XXXX  XXXX  incessantly into the morning hours requiring hospital treatment -IV fluids, medication, etc. Later on my XXXX XXXX XXXX daughter began XXXX  XXXX  as well. I also provided documentation of a call made to her pediatrician for this as well as my hospital discharge summary coinciding with the time I was treated and for what and how I was treated and where. I contacted the merchant via telephone and XXXX messages after they responded to a review I left however never heard back. 

I initiated a Discover Dispute based on the services I received. When I telephone and speak to them including a manager by the name of XXXX, I was told repeatedly there is nothing Discover can do if the restaurant provided a receipt. XXXX stated this is a he said she said thing and because the restaurant is providing a RECEIPT there is nothing Discover can do. I attempted to explain in DETAIL that I have hospital RECORDS as well as my daughters pediatric records showing the date that we were both treated for XXXX  XXXX  because of the chicken at this restaurant. I uploaded my discharge summary verifying this, meeting my burden of proof for bad service yet Discover is unwilling to even consider or LOOK at my proof as is in within my right. I proved that I was provided with not only an unsatisfactory service that I should not be liable for but a DANGEROUS one that required hospitalization, missing 3 days of work, and acquiring these bills as well.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I am filing this grievance as I created an account to monitor my credit and see that I have been impacted with a 30-day late from XX/XX/2022 which has dropped my scores close to 100+ points with the credit bureaus. My frustration and the purpose of this compliant is due to the fact I changed my bank account information online which apparently did not save, hence creating the issue with the payment. I tried reaching out to customer service but it was impossible to get a live person. I reached out via the chat feature which was of no help at all, so I gave up and made a manual payment, problem solved. So I thought. I enjoy the use of my PayPal account and have had it open for some time with no issues. I take my credit obligations very seriously & feel I have displayed that I am not a credit issue customer who is negligent with my account. I would like the XX/XX/2022 30-day hit with the credit bureaus reversed due to issues with the online account and customer service availability. Thank you.
Consumer complaint received 2021-10-06
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. (GA)

on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX store, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX via XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX, XX/XX/XXXX Contract XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXn , XX/XX/XXXX XXXX XXXX . These are all the companies that pulled my credit file fraudulently and cause Inquiries on my credit report account. I have contacted these Individual companies personally and and ask them to contact to reporting agency and remove these Inquiries but they have not.
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX via XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX State free disclosure, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX Consumer info via XXXX XXXX, XXXX Via consumer info, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX . These are all the companies that pulled my credit file fraudulently and cause Inquiries on my credit report account. I have contacted these Individual companies personally and and ask them to contact to reporting agency and remove these Inquiries but they have not.
Consumer complaint received 2021-10-06
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: AMERICAN EXPRESS COMPANY (CA)

My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Disputed thee items. I am aware credit bureaus are working from home. I dont understand its been over 90 days and nothing had been validated this debts belong to me. There is plenty errors being reported on my credit file.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CapitalOne charged me {$170.00} more for travel arrangements than the XXXX XXXX cost of the trip. There was no disclosure that CapitalOne would be adding on an add'l charge before the funds were withdrawn from my account. I called the support line disputing the extra charge and they said nothing could be done. I then formally disputed the charge when it was withdrawn from my checking account. Capital One denied my refund claiming that I didn't contact the support line about the problem then closed the complaint without any opportunity of reopening it as I absolutely did contact the support line about the problem as soon as I saw the charge on my account - XX/XX/21.
Consumer complaint received 2022-11-01
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. (MO)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 2021-10-06
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. (FL)

I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (OH)

I have previously sent you a request to validate my debt, for the following account numbers, on XXXX XXXX XXXX : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexisnexis, XXXX, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that lexisnexis receive information from a third party verification system known as a XXXX XXXX and then sells this information to other collection agencies. The XXXXXXXX XXXX  is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief.

Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Consumer complaint received 2022-09-18
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. (GA)

I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. XXXX sent me a letter in the mail on XXXX XXXXXXXX XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C.

1681 section 602 A. States I have rights to my privacy. 15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor and dispute it with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Consumer complaint received 2024-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient acknowledged my payment for XX/XX/2023 on the second of XXXX. Later in XXXX I was notified that my XXXX payment was overdue. I pointed out that I had received a confirmation. After repeated calls from them requesting that XXXX payment ( The one they had confirmed they had received ) finally they acknowledged that problem but said they couldn't fix it right away. 

For most of XXXX I received payment requests for the XXXX and XXXX payments so I was unable to pay XXXX on time. 

In early XXXX I was able to make a XXXX and XXXX payment. 

Now I am checking my payment records and see that they have included a {$3.00} late payment with all my payments, most infuriatingly two {$3.00} payments for XX/XX/2023.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX