davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NM)

This account was set up to receive donations direct deposit for a fundraiser to raise money for XXXX treatments. On XX/XX/2020 at XXXX am this card received the first deposit of {$1200.00} was accepted by Bluebird by American Express into the account, at XXXX am the same morning I received an email from Bluebird saying that I had violated their member services agreement and the account was permanently suspended. There were no details of how I possibly violated the agreement. I called the customer service number and got an automated message saying that the account was permanently suspended and an email was sent with details and then the call hung up. I called from a phone not associated with the account and after several minutes of choosing options from their automated system, I chose to report a stolen card and was able to speak with a person. They refused to give any details and told me that I would need to have the issuing institution request a reversal to retrieve the funds that had been deposited. I did that and Bluebird denied the reversal. I called again today, XX/XX/2020 and told them that the reversal was denied and I needed to know what to do the retrieve the {$1200.00} that had been deposited to the account. They refused to return the funds. We have the entire call recorded and will be happy to provide it. These funds were donations from friends and family to help pay for XXXX treatments and medical costs. I feel that Bluebird by American Express has stolen these funds.
Consumer complaint received 2019-02-05
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. (MI)

I filed a dispute against XXXX collection account on my credit for two reasons.

1.- it is reporting a significantly higher balance than actual disputed balance. It is reporting {$690.00}, actual is {$67.00}. 
2.- The prior account holder XXXX placed this into collections solely off of fees charged on known fraud transactions which i reported and requested investigation by XXXX on multiple occasions. XXXX refused to investigate transactions and refused to correct the error. XXXX furthermore refused to provide proof of debt via validation, verification, authenticity and authorization of transactions in dispute. 

XXXX {$9.00} attempted XX/XX/2018 & XX/XX/2018. These unauthorized transactions caused overdraft fees to occur on the account due to nsf. 

These transactions were Fraud, they were not authorized by me so i should not be liable to pay them because XXXX refused to work with me. 

My report however lies in Transunions complete and utter failure to not only address the concern and investigate it but to provide sufficient evidence to support their outcome. 

I requested Transunion investigate these transactions under fraud and provide sufficient evidence and physical documentation to support their outcome. They have refused, choosing instead to provide a flimsy and weak argument that the debt is valid solely based on the companies response saying its valid. Nothing additional was provided to prove this. I contacted transunion many times requesting that either they provide proof of their outcome or remove the debt. They have refused.
Consumer complaint received 2020-02-06
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.
Consumer complaint received 2019-03-31
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: Eagle Accounts Group, Inc. (NY)

I just recently took a loo at my credit report and I noticed that there were some child support accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX  -AMOUNT {$3600.00} -DATE OPENED XXXX2017 -ACCOUNT # XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

I have an Dept of Ed/Navient account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/Navient verified the late payments as accurate. I received a email from Dept of Ed/Navient on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (AZ)

AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On or around XX/XX/2020 I sent in a dispute with Capital One. Never received a response I also contacted the bureaus disputing what they did all they did was charge it off and not address my dispute. I reached out the bureaus and was told it was validated by capital one. I told them if it was validated why havent I received any notification of the investigation because it was no investigation. How can you validate a debt only the consumer can validate the debt. I have been addressing capital one as well as the bureaus and have been getting the run around they have violated my consumer rights and injured me multiple times! it should be deleted no charged off. 
The statement I received did not validate the debt it just confirmed we had a relationship in the past. 
15 USC 1692G states a debt collector is required by law to send me notice of debts with the 5 requirements No signature or contract was mentioned in this law. 15 USC 1692g This debt was never validated because they cant validate, all they did by sending me the paperwork ( saved me work ) they proved it was a credit transaction and who the original creditor is and in fact if it was a credit transaction that means everybody was credited and there should be no attempt to collect a debt
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CT)

Chase bank has erroneously and fraudulently signed me up for payroll services in my checking account without my knowledge or consent. I have complained the business and they have refused to do an audit and refund me all the fees due. These fees range from $ XXXX {$25.00} a month and I have no clear understanding of what they're charging and why. I have contacted the bank and they are totally unhelpful!
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

I HAVE REQUESTED XXXX  TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO SYNCB/TJX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED XXXX  TO UPDATE MY BALANCE WITH SYNCB/TJX. THEY ALREADY HAVE THE WRITTEN PROOF FROM SYNCB/TJX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (SC)

In XXXX of 2019, Capital Accounts LLC reported to XXXX  that I made a late payment on a debt collection reported by their company. I've never made ANY payments for this reported collection amount to Capital Accounts LLC, therefore a late payment shouldn't have been reported.
Consumer complaint received 2020-02-06
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. (NJ)

Hi CFPB, I recently found that there are certain incorrect accounts showed up on my Equifax credit report. 

All those accounts are XXXX  XXXX XXXX and showing that they are all open in XX/XX/XXXX or so. 

The truth is I never do business with XXXX  in my life and my first time Arrived in the US was XX/XX/XXXX. I had my first credit card around XX/XX/XXXX. 

I do believe I am the victim of the Equifax data breach and please kindly review that and take the right actions. 

Thank you
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried on several occasions to get XXXX  and XXXX to correct my birthdate, but it still hasn't been corrected! Transunion I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX  account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. 
Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. 
The charges were for {$40.00}, {$470.00}, {$480.00}. 
I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. 
No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

As stated from Capital One, XXXX XX/XX/XXXX and XXXX 2018, My wife and I went to several car dealerships to request for a car loan to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval at that time. It seemed as though they pulled my credit report multiple times.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (KY)

Credit karma is always offering me credit cards ( unsecured ) as well as allowing hard inquiries on my report. Once these cards are close to being obtained I am automatically denied the card. Credit Karma always puts forth cards that they say are pre-approved for you when they never are! Which causes downgrade on my credit report. I am hoping to get this resolved so others don't have to go thru same and to be reimbursed for the same and false advertisement that credit karma has put on me and dug into my life 's XXXX
Consumer complaint received 2019-02-05
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. (CA)

CRPA does not verify disputes. They simply ask the company if it is legitimate. They dont verify with any contracts or paperwork or facts. They just say hey they claim this is false, and the collection agency just says yeah, no verification whatsoever. Experian and the debtor do not provide anu proof they just say you owe this. I called both at least 3 times and they say sorry we dont verify anything. The debtor said well send proof. Then they just send what you owe and dont send a contract or proof from the fraudulent claim.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

First Federal Control Control ( FFCC ), ACCT XXXX, is erroneously reporting that I owe {$25.00} for doctor 's visits for a total of {$75.00}. I have spoken to two supervisors at FFCC and one clerk, XXXX, who have ignored my requests that they verify the information that they are adversely reporting to credit bureaus, but to date, they have refused to do so. 

The problem is that for three different dates of service, XX/XX/XXXX, XX/XX/XXXX, and XXXX, I visited my doctor 's office and immediately paid my {$25.00} co-pays for each visit, as mandated by the doctor 's office. I was informed that the doctor 's office, however, failed to bill my insurance company for each date of service. Instead, they sent the three bills to collections. Initially, the amount owed was more. After having several conversations with the physicians billing dept., the physician 's office finally billed my insurance and received payment in full from my insurace company. My co-pays were paid in full at the date of service for each visit. FFCC adjusted their collection amount to {$25.00} for each date of service and have not confirmed with the physician 's billing services that THE PHYSICIAN 'S OFFICE ACCEPTED PAYMENT, REMOVED THE ACCOUNTS FROM COLLECTIONS AND HAVE BEEN PAID IN FULL, THUS TERMINATING FFCC 'S INVOLVEMENT ALTOGHETER. 

I have spoken with XXXX, who works in the Escalations Dept at XXXX   Hospitals Physician Billing Services, XXXX. On multiple occasions, she has informed me that she has not only CALLED FFCC and told them to REMOVE THE ACCOUNTS FROM COLLECTIONS. She also confirmed on those several occasions that the accounts ARE PAID IN FULL.. I do NOT OWE ANY MONEY ON THESE THREE ACCOUNTS, XXXX  Patient Account No. XXXX. I called FFCC on XX/XX/XXXX and informed them of the same. They were uninterested in making the corrections to my account and unconcerned that they were misreporting debts on my credit report that I DO NOT OWE. I want the debts deleted from my credit report and I want sanctions brought against FFCC for misreporting.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I HAVE REQUESTED EQUIFAX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO XXXX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED EQUIFAX TO UPDATE MY BALANCE WITH XXXX. THEY ALREADY HAVE THE WRITTEN PROOF FROM XXXX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.
Consumer complaint received 2022-08-29
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. (FL)

CFPB + Experian, On my Experian credit report dated XX/XX/XXXX it says I have a 60 day late payment on XX/XX/XXXX from : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an attached letter from XXXX  XXXX dated XX/XX/XXXX that states you are to remove this late payment. 

Enclosed in this complaint is : - my drivers license - my social security card - my current address- my complaint letter - the letter from XXXX XXXX to remove the late payment- a screen shot of where it shows on my Experian credit report as of XX/XX/XXXX XXXX  XXXX in the letter has stated they have already requested you remove this - as I have- and am doing now again. 

Please have this removed asap as XXXX XXXX has directed you to - this is damaging my credit and interfering with my ability to obtain credit.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which Transunion simply said everything was updated without giving any information after 3 months and XXXX said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2020 I noticed a collection account in the name of Resurgent Capital Services LP. I went to their website to find out the total amount and any offers to pay down the amount to settle the debt. The website indicated the amount owed was {$2500.00}. Their website indicating offer for {$1200.00} this debt will be settled. So, on XX/XX/2020 at XXXX XXXX I made a payment to resurgent capital services L. P. For the amount of {$1200.00} in hopes that the debt would be settled. On Monday XX/XX/XXXX at approximately XXXX XXXX I went to their website an indicated that the full amount was still owed and at that offer that was originally promised to me was no longer there. I had made several attempts to contact the company and there was no answer via phone.
Consumer complaint received 2019-02-05
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. (CA)

all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a
Consumer complaint received 2022-08-29
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. (KY)

I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate names listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect names off of my credit report! 

According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

I only have ONE legal name, but Experian has kept all other incorrect and inaccurate names on my report after I already asked them to remove them! I even verified my legal name by sending them a copy of my license and social security card! 

Experian is in TOTAL violation of my rights to accurate credit reporting!