davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON ACCOUNT WITH CAPITAL ONE BANK USA NA WAS AGREED THAT IF PAID IN FULL SETTLEMENT AMOUNT THAT THE ACCOUNT WILL BE DELETED FROM MY CREDIT REPORT THE SECOND ACCOUNT WAS DELETED AS PROMISE BUT THE OTHER WITH XXXX INSIDE OF ACCOUNT NUMBER CONTINUE TO REMAIN ON MY REPORT AS A NEGATIVE ITEM WHEN ACCOUNT HAS BEEN SETTLE EVERYTIME I TRY WITH THE CREDIT BUREAS THEY JUST SAY THE ACCOUNT HAS BEEN CLOSED BUT I NEED IT DELETED DUE TO IT CONTINUE TO NOT ALLOW ME TO HAVE POSITIVE CREDIT HISTORY. PLEASE DELETE FROM ALL CREDIT PROFILES.
Consumer complaint received 2018-01-25
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. (TX)

Please explain to me when an adverse account stating removed date month and year XX/XX/XXXX is still on my credit report and how come transunion refuses to remove this item. See attachment XXXX XXXX XXXX # XXXX # item will be removed XX/XX/XXXX and we are in XX/XX/XXXX. According to FTC 605 ( 4 ) 605 ( c ) ( 1 ) also accuracy and fairness of credit reporting which transunion is violating by not removing this adverse account. I am requesting transunion to remove this error XXXX XXXX XXXX # XXXX # from my credit report
Consumer complaint received 2018-12-31
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: JPMORGAN CHASE & CO. (WV)

THIS ACCOUNT IS NOT MINE, I WAS ONLY authorized user while working for company. PAYMENT WAS NOT MINE FURTHERMORE IF IT WAS MINE IT WOULD HAVE BEEN INCLUDED IN MY BANKRUPTCY
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (MA)

AWA Collections is illegally reporting to the credit bureaus. I sent them a 93A Demand notice requesting removal from my credit reports and informing them of MA laws which they were violating via certified mail XX/XX/2019. ( MA General Laws 209 CMR 18.17.Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' As well as 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act to engage in the following practices to collect or attempt to collect any debt : ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor ''. AWA us a debt collector. They are not a creditor. They are not allowed to report to the bureaus. 
They failed to remove this account from my reports or address my correspondence whatsoever. I disputed this account with the credit bureaus. AWA claimed they are not subject to MA laws. 
XX/XX/2019 I sent a second notice. They failed to reply whatsoever.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

During the last month or so the credit card company, Capital One, changed its website access method to include a form of secondary confirmation ( which is normally a good thing ), however the only method they offer for the confirmation is the use of a U.S. based cell phone number. I am with the XXXX XXXX, currently stationed in XXXX, so I use a XXXX cell phone. Capital One has no means to associate my XXXX cell phone with my account, and their website access now appears to be limited to those with a U.S. cell phone number. I am now blocked from accessing their website, which means I am blocked from normal functions of card services but I also am denied access to the Capital One rewards program and my money market account. I have been a customer of Capital One for 20 years and I have never had this issue as before they could send a code to the email on my account to confirm my identity. I have called Capital One several times and only received apologies and acknowledgment of the issue since they changed their operating system. The only solution they offered was to have me call them if I needed my balance or to maintain a U.S. cell phone number for purposes of Capital One account verification. I was hoping to use some of my Capital One rewards over the holidays and was planning on moving {$10000.00} from my Capital One money market account but apparently Im held hostage to this credit card now until I am stationed in the U.S. again. This is shocking to me as I have never had this problem before when accessing my various accounts all over the world during my military career. Even my banks offer verification by email. Capital One phone representatives ( including " supervisors '' ) seem to view this as a mere inconvenience to me but I have no way to unblock my account until I return to the U.S. and get a U.S cell number. This issue came about when Capital One sent me an email about an international charge, and it was a charge I did not recognize. Apparently they are comfortable communicating with me about potential fraudulent charges using the email they have on file for me, but they will not allow me to use that same email to confirm that I am the account holder.
Consumer complaint received 2018-01-25
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. (TX)

Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX
Consumer complaint received 2020-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As stated on my original complaint in XX/XX/2020 whereas Capital One Bank pulled my XXXX credit line for no reason after having for years In the middle of a Pandemic I was not satisfied with their response at all. 
I just recently found out that my credit score dropped 85 points on XX/XX/XXXX. All my bills are paid on time. 
I just wanted to bring this to your attention. 
Losing a credit line and having a severe credit score drop for no reason on behalf of a bully Capital One Banks business practices is horrific and very traumatic. 
And they can just get away with this?
Consumer complaint received 2018-01-25
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: JPMORGAN CHASE & CO. (MA)

I am a Chase credit customer. On XX/XX/XXXX, Chase contacted me regarding a fraudulent charge. I immediately told them on XX/XX/XXXX that the charge was fraudulent. Furthermore, I spoke to them twice both on XX/XX/XXXX and XX/XX/XXXX to have the fraudulent charge removed but to no avail. Both times, I was rest assured that I would see the credit on my account within 24-48 hours. On XX/XX/XXXX, I finally found the emails of several people at JPMorgan Chase leadership. They claim that the credit was not issued because of " system errors. '' Furthermore, they indicated that speaking to a customer service agent twice on separate dates with no result was in line with their customer service levels. I find this hard to believe and would like the XXXX to start investigating whether Chase is actually causing financial harm to customers because of their failed internal controls. I hope that customers are not being charged for things that they did not authorize, which is a control deficiency in itself, and more importantly that they get those fraudulent charges removed immediately upon confirming to Chase. I believe if I had not contacted the executive office, I would still be responsible for {$25.00}. In the meantime, their fraud department located in XXXX, whom they referred me to activate my new card have their head in the sand and do not realize that they need to activate the card.
Consumer complaint received 2023-06-23
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. (NY)

A debt collection company by the name of XXXX XXXX XXXX has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my XXXX and experian report but not on my XXXX. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, XXXX and experian when requested.
Consumer complaint received 2018-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Consumer complaint received 2023-04-01
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. (GA)

This is my 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-07
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)

Ive disputed account with XXXX before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for XXXX {$3300.00} and TransUnion as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX  Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: On Q Financial (GA)

My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.
Consumer complaint received 2022-11-30
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. (NJ)

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Experian that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be corrected is : XXXX XXXXXXXX
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (WA)

a person called me from XXXX said they want to lower my interest rates on all of my card i asked what company they represented they named many companies including XXXX, XXXX XXXX XXXX , visa, master card, XXXX XXXX and others. I was getting suspicious asked if they represented all of the companies they said that my name came from the experian credit reporting agency.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

I got zero response from the credit card company name ELAN FINANCIAL SERVICE please help me remove this identity theft card I have never opened an account with this company in my life at this point my identity was stolen from me.
Consumer complaint received 2018-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST FINANCIAL BANCORP (OH)

I bank at First financial Bank. I had send an on-line payment to XXXX  and the bank sent my payment of XXXX dollars In XX/XX/XXXX. They sent to payment to XXXX XXXX.Now First Financial Bank let me cancel account that were not being use and I did. XXXX XXXX and XXXX XXXX. Every thing was going ok and i had no problems. Until they send the payment to XXXX XXXX. I filed paper work to the bank to get my money back, and they said call XXXX XXXX. I call XXXX XXXX whom i haven't had service since XX/XX/XXXX to ask them to sent my money back. They said I had to give them a password from XX/XX/XXXX or they can not help. So off the top my head out, I said XXXX and now they could help. I had to send i lease that i don't live at the address this account was to the fraud dept. I hav n't seen them a payment for services for five years so why now. so i send it and got a respond to have a third party call to work on it in XX/XX/XXXX. 
In XX/XX/XXXX I had resolved the disputed of {$110.00} because they another account that owned {$110.00}. 
XXXX XXXX say they I own them XXXX. XXXX and they would not sent the money back. I pay all my bills to them, I never got a XXXX Bill from them sense XX/XX/XXXX, and I told i wanted my money back, and they said no. The bank wrote back saying nothing was a crime or fraud. 

The third part call was Monday XX/XX/XXXX. The First financial bank agent was from or the letter came from the XXXX XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX. XXXX Ohio XXXX. The dispute number they have is XXXX. 

the lease paper I sent were Date XX/XX/XXXX. The account at XXXX XXXX was XXXX. The fraud Dept at XXXX XXXX fax number is XXXX. 

This was more than Fraud, it illegal and a crime. 

On XX/XX/XXXX First Financial Bank Credit a XXXX SSI check because I was given a provisional credit of XXXX. They took XXXX they was left of the XXXX add {$37.00} for the {$80.00} they was spent and add {$30.00} more and {$6.00}. 

Isn't these charge fraud? 

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX or XXXX.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.