davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

-Currently reporting inaccurate information on my credit report. 
-Currently reporting the same account under two different account numbers. 
-Both accounts are missing important information, account was paid in full for less amount -I have been denied a Mortgage due to the impact of the two inaccuracies -XX/XX/XXXX dispute was faxed and I have called to get updates. I haven't been able to get any useful information other than being told we have 30 days look for a response around XXXX XXXX. 
- Account was paid XX/XX/XXXX XXXX
Consumer complaint received 2021-05-10
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: GOLDMAN SACHS BANK USA (CA)

Hi Team, this is with Apple credit card transaction. I have purchased XXXX XXXX leather case over XXXX. I have returned it within the return policy. Its been 4 months now. still, i am being charged. contacted support every other month and also escalated every time but it is not resolved. 
even escalation process is not effected. this is misleading the customer and need to be resolved. 

I have wasted many days in following up patiently with the support specialist but nothing is resolved. All the promise made to resolved is in vain. 

i need help to investigate this as this could be happening with a large customer base.. 

also Apple has deleted the posted transactions without my consent. This is a question of integrity and transparency.
Consumer complaint received 2019-06-27
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. (TN)

I do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Consumer complaint received 2020-11-10
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. (AL)

There are several inquiries on my credit report that I do not recognize. The following inquries I do not recognize nor did I authorize : 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.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

For the past five years I have received a paycheck from the same employer, XXXX XXXX, at the same time, on or about the XXXX of the month. The checks have been deposited either physically at the bank, or more recently in the past years, electronically via the Chase bank app. The check in question was received by me on XX/XX/2023 and electronically deposited with the Chase Bank app on the same day, XX/XX/2023. As usual, Chase released {$500.00} immediately and stated that the remaining balance, {$5500.00}, would be available XX/XX/2023. We are all aware of the issues that arose regarding XXXX XXXX XXXX  and XXXX XXXX  on Friday, XX/XX/2023. The check in question was from an XXXX XXXX account at XXXX XXXX. 

On Monday, XX/XX/2023, President Joseph Biden made a televised appearance at XXXX to assure the American Public that the banking system was stable, and that all business associated with both XXXX XXXX XXXX  and XXXX XXXX  would proceed as normal. The New York State Department of Financial Services, which appointed the Federal Deposit Insurance Company as receiver. 

On Tuesday, XX/XX/2023, I received notification from Chase bank that there would be a hold put on the funds availability of my check deposit. Chase removed the previous cleared funds of {$500.00} from my account. Upon calling Chase Bank regarding this reversal of fund availability, and extended hold on the check until XX/XX/2023, I was provided the phone number XXXX, which is for Chase Banks Loss and Fraud department. Together we were successful in contacting the bank to determine that the check was in good order and in fact had cleared XXXX Bank on XXXX XXXX. The hold was removed and the totality of funds were made available.the same day of XX/XX/2023, Chase bank reversed their decision in the early evening and again put an extended hold on the check, and the full amount of the check was removed from my account. This is even though at this point in time Chase had received the funds from XXXX XXXX. In following up with Chase today, XX/XX/2023 Chase has refused to release the funds from my deposit and will not discuss removing the extended hold, currently for another week, to clear the funds. 

The banking system, and consumer confidence in the banking system, in the United States is crucial to the economy of the United States. President Biden made that point in his early morning address on Monday, XX/XX/2023. Chase Bank has violated this confidence and their actions can cause rational minded individuals, and companies, to make rash decisions that will de detrimental to our economy and banking system. This type of behavior exhibited by Chase Bank is not the kind of behavior that instills confidence in Chase bank, the XXXX XXXX XXXX, nor the XXXX XXXX. This behavior on behalf of Chase Bank is reckless and should be acknowledged as such. Chase is putting our economy in peril and I request assistance with this matter.
Consumer complaint received 2019-06-27
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: EQUIFAX, INC. (TN)

I do not owe XXXX University  or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Consumer complaint received 2023-04-04
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: CORELOGIC INC (CT)

I have to hard inquiries that I didn't do appear on my credit report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriCollect (SC)

I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (IL)

On XX/XX/XXXX wife passed, on or about XX/XX/XXXX went to social security office to make aware of death, called Express Direct to make aware of death of spouse, XX/XX/XXXX received letter from Direct Express gave tracking #, required documents to release funds ( {$8900.00} ) and the processing time frame of 4 - 6 weeks, was made aware of {$50.00} processing fee in the letter also, mailed death certificate & nortized small estate affidavit statement as per letter request XX/XX/XXXX, it was received on XX/XX/XXXX as per certified mail receipt. Phoned company over 30 times between XX/XX/XXXX and XX/XX/XXXX still no response they are refusing to send the {$8900.00} its been well over the processing time.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To ; whom it may concern i have been with kohl 's for almost four years in which they started me out with {$300.00} credit limit in which I made off faithfully then after paying that {$300.00} off I didn't ask for an increase because they use to just add it to the credit any that never happen so I used the {$300.00} credit limit again paid it off again in good standard now the third time I called customer credit support an ask why I had not received increase they tell me they to go into my credit again and I asked them why my credit with you all are in good standard they told me to be looking for a letter though the mail in which I was denied again ok now the 4th time I used the card again because my sister an mother had claimed that kohls had done the same to them as well but after the second time kohls ended up giving my sister an increase from {$300.00} to {$1200.00} but never give me nor my mother an increase so again I contacted kohls again on XX/XX/2020 after making a {$50.00} payment on my account in the mist of the phone call I ask the rep could I get an increase because I had received an email from kohls of thanking me on been a loyal customer for four years after reading the email I was truly feeling like that kohls for now starting to discriminate my right under the fair credit protection I paid interest fee taxes but I still wasn't offered an increase I am a united state citizen an feel that I am being discriminated for no good reason I feel and know my other credit merchandise credit always give me an increase every time I pay off my limit so far kohls is the only card that I am having this problem with if I was another color living in a better neighborhood I would have had an increase first time around no question asked. also i have talked with kohls on to many occasion still nothing after telling them that what they was doing to me wasn't right and that i would be seeking help from the consumer protection they told me can't nobody make or tell us to give you an increase so that when I came to term that it was time for me to contact the CFPB concerning this matter all I want is to be treated equal I can see if I missed payments after payments then I would understand but the case is far more sinter then that so I come to you all to please let kohls know they need to play fair the only reason I have not closed my kohl 's account is because I like kohl 's products but I refuse to sit back and be treated unfairly I would close my account out before I let them continue to treat me unfairly..
Consumer complaint received 2020-11-10
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)

Hard inquiry on my account by XXXX XXXX XXXX XXXX dated XX/XX/2020. I have no business with an organization by this name, no exiting credit relationship, nor have I sought to obtain a credit relationship with this company. I contacted the company on XX/XX/2020 to ask why they were inquiring on my credit. Their response was that they have nothing to do with any credit reporting. I told them that they must be interfacing with credit reports because their name, address, and phone number is on my report. They then asked for my personal information including SSN to research me. I refused to provide the information because they had previously stated that their company has nothing to do with credit reports and would not have an inquiry on my report. This appeared as suspicious and potentially fraudulent to ask for my information. My credit score was negatively impacted by this hard inquiry that this company enacted against my personal credit report.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

Purchase a vehicle on XX/XX/2021 with Wells Fargo. 

CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts I want to know if I qualify
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A has put me on the corner with high mortgage rates causing me to lose my home. I have four mortgages including line of credits with B of A since years ago. I tried twice to refi them with the same bank to lower the rates and different terms but B of A unfortunately refused to do so due to their substandard management, processing and underwriting Dep,, although my credit is good. According to their underwriting guide lines I am qualified to pay almost {$7800.00} per month for about {$880000.00} loans but I am not qualified to pay about {$5000.00} per month for the same amount of loans at lower rates and different terms.
Consumer complaint received 2018-04-24
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. (OH)

There are two fraudulent accounts on my report for XXXX XXXX XXXX for {$610.00} with Transunion and XXXX, and XXXX XXXX XXXX for {$370.00} with XXXX. I filed the disputes back in XX/XX/2017 and it's STILL under investigation with Transunion.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

Sent money out through my Chase checking account to a XXXX XXXX account for an invoice of {$1900.00} on XX/XX/2023 XXXX  XXXX Account unexpectantly canceled the money transfer, and the money has not yet been received to the original checking account for over 7 business days, well after I was told directly by Chase that it would take no longer than 2 business days.

Chase has yet to do anything to resolve this issue and have hung up on me multiple times after speaking with their fraud department and wire research center.
Consumer complaint received 2023-02-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Coinbase account to XXXX at the instructions of the scammers.
Consumer complaint received 2023-03-15
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: The CMI Group, Inc. (GA)

This has been reporting in my credit for almost three years now I have been filing disputes with XXXX XXXX and XXXX with no success. I filed a dispute directly with the company in XXXX of 2022 showing them where I have lived in ga for over 5 years before during and after the date in question of when the account was opened. I reside in ga this account was opened in Virginia somewhere. They still would not take the account down and I have exhausted every option.