davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MN)

Hello, Sometime on XX/XX/XXXX I opened a credit card with Macys. I used the card and paid off the balance towards XXXX of XXXX so I only had the card for a month, I called and requested the account to be closed I was not fully aware that it was a credit card. 
Macys neglected to close my account and now when I am trying to buy a house I requested a copy of my credit report and Macys is reporting two credit accounts and had me delinquent for over a year. 
They never send me statements and I know I had closed the account. I have made numerous phone calls and requested to correct my credit report that what they are reporting in false since I only had one account not two, I closed the account they should have not been a balance on the account, they never notify me that the account was delinquent. 
The report Macys is reporting is false and incorrect of the status of my account
Consumer complaint received 2022-08-27
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. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (ID)

My account was paid off onXX/XX/ thru XXXX XXXX. I received a letter from XXXX stating the account was paid in full. 3 years later XXXX XXXX started harassing me trying to collect on the same account. They have reported it on my Credit report. I have submitted my letter of proof and they have not budged to take the account off. They are still stating this account is in colections.
Consumer complaint received 2019-01-03
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. (MI)

As it pertains to the credit bureau of Transunion, XXXX, and  XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the Transunion credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the Transunion Credit Union report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Possible Financial Inc (TX)

I requested to change my bank account XX/XX/XXXX ( XXXX XXXX ) from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX, however the company never changed the account even though I got approval more than 5 business days before my payment date. They continued to pull which caused me {$70.00} in fees that they refuse to credit back. After emailing them and asking them to fix this, they closed my account, won't let me log in to make payments, and will not return calls trying to fix this. Then they reported to my credit report that I'm 60 days late and won't take payment.
Consumer complaint received 2019-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX  ( XXXX  ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

Well for some reason Equifax is reporting wrong information on my credit file. I noticed in XX/XX/XXXX of this year that Equifax had me down for a balance of {$1300.00} for my XXXX XXXX/XXXX credit card account and I noticed they had my last payment as of XX/XX/2019. My balance is XXXX since XX/XX/XXXX and my last payment was on XX/XX/2019 in the amount of {$590.00}. I have file multiple disputes with Equifax and they tell me they are just reporting what the creditor is giving them. I contacted the creditor and they assured me that they are sending the right information and that I have a XXXX balance and they dont know why Equifax is reporting me with a balance. I also checked with another bureau XXXX and they have everything exactly right I just dont understand why Equifax is always reporting the wrong information and makes me believe something is going on. One of the disputes with Equifax stated that they remove it from my credit report and it was still there I contacted Equifax and said, yall said, that you removed it but do you see that it is still there and the agent said, yes she doesnt understand why and all I can do is file another dispute. This has been going on for three months and I am just tired of trying to fix this problem and every time I call Im talking to non-English speaking people which makes it even difficult. I also sent them my statements which has all the correct information on it. This has hurt my credit ever since XX/XX/XXXX. I really believe there is a problem going on at Equifax. I know no other way to fix this problem this was my last resource the only other thing I know to do is contact an attorney.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I started a home buying journey early 2021 and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXXThese companies have refused to do so in over a year!! 

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

I made a payment directly to the company XXXX XXXX XXXX XXXX in XX/XX/2019. The collection agency is SCA COLL and theyve resubmitted to the credit bureaus as if the payment was not satisfied. I contacted the original debtor and they said they would contact SCA. Im pretty sure its an error not sure why would they resubmit my info.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I recieved an offer in the mail for a {$300.00} bonus for opening a checking account with Bank of America. I opened the checking account on XX/XX/2019 with the promotion code. I visited the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US on XX/XX/19 to ask why the funds were not deposited into my account. They put in a request and then called me back from XXXX on XX/XX/19 the bankers name was XXXX. She told me that I had qualified and that I would recieve the {$300.00} promotion in a check or in my account the following week. On XX/XX/19 I visited the bank again, having not recieved the check or deposit as promised. I sat with XXXX who made several phone calls and confirmed that I met the eligability requirements and also that they had sent out the mailer with the promotion to me at my home address. She said that when I opened the account online, the promotion didn't load. I was promised this promotion and have met all the requirements. I visited the bank severals times at the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US and they are still unfairly giving me the run-around and not honoring the promotion that I was promised when opening the account. The account has been opened with funds being direct deposited for 5 months and I still have not recieved the {$300.00} deposit.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

Hi. My name is XXXX XXXX. I have never had a Discover Card. I have been a victim of identity theft and have worked hard to get it removed from my report. For some reason a bankruptcy has been reporting on my report on XXXX and I am working with them to get it removed. It has been removed from XXXX and XXXX. It was a dismissed bankruptcy, nonetheless, it shouldn't be there. On XX/XX/XXXX I applied for a Discover Secured IT account so that I could start rebuilding credit. I have an installment loan reporting but I needed a secured card. I applied and I was denied. When I called to ask why, they said it was because of the Bankruptcy. I took it for what it was. Well then, in one of my credit groups a young lady said she had gotten approved for an unsecured discover it card and she has a bankruptcy that was discharged in XXXX. So now that I see this, I really want to know what is going on and what is the real reason that I was denied. Is it because Discover doesn't like me? What is it? I don't understand. It made me feel that she either beat the system or that I am being discriminated against. I would like my application to be reviewed manually and for someone to reach out to me.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OH)

I made a payment on XX/XX/XXXX from the wrong business account ( XXXX XXXX spark ). The check was returned NSF. When I realized I made the payment from my other business account XXXX XXXX so that I would be on time. That payment posted XX/XX/XXXX/18. I put money in the XXXX XXXX account on XX/XX/XXXX and they withdrew the payment from my account but never posted to my American Express. I have called 3 times and the representatives keep telling me the check was returned. I called XXXX XXXX XXXX and they said since its on line payment the funds are gone. 

NO FUNDS have been posted to my American Express and no money placed back in my account
Consumer complaint received 2018-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is an account, XXXX XXXX XXXX  XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX  Delaware that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX Delaware several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
Consumer complaint received 2023-08-12
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?
Consumer complaint received 2023-08-12
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: Mortgage Research Center, LLC (FL)

I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is currently overcharging for transactions in GBP. The current exchange rate as of XXXX XX/XX/2018 is XXXX USD/XXXX GBP according to XXXX. Chase is exchanging at XXXX USD/XXXX GBP. They are charging me XXXX Pound Sterling ( GBP ) to XXXX U.S. Dollars ( USD ) not including their {$40.00} wire fee.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA/ XXXX TRANSFERRED THE MONEY TO A WRONG RECIPIENT On XX/XX/XXXX, I sent {$2500.00} to XXXX XXXX . The $ left my personal checking account but never got to his account ; I used his cell number and full name to make the transfer. The XXXX transfer confirmation # for the transaction is XXXX o On XX/XX/XXXX, I initiated a dispute ( claim number XXXX ) with Bank of America to get the XXXX back. 2 weeks later, BOFA sent me a letter closing the case saying that the investigation was closed and there was nothing else i could do to receive the $ back. They said anyone can attach their phone number to anyones account ... makes no sense! where is the anti-fraud protection? I called BOFA several times, i went to the branch and no one can help. 
XXXX was also contacted with no help. They blame BOFA and vice versa. No one takes the responsibility to pay their client back the money that was never delivered. 
What can be done? I find hard to believe that being as big as XXXX is ( and it is owned by banks ), the services can be so unreliable. PS : I saw the bank statement from XXXX XXXX and i verified the money was never received by him. 
Thanks for your help, i hope there is something we can do to get the $ back from them. 
XXXX XXXX
Consumer complaint received 2022-08-27
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: ENCORE CAPITAL GROUP INC. (IA)

I reached out to Midland Credit Management about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from Midland Credit management to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.