davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I hired a moving company called XXXX XXXX XXXX aka XXXX XXXX XXXX in late XX/XX/2021. They did move my household items and furniture from the home I sold then, and store them somewhere. They claimed they stored my items in their warehouse, but I believe they left them in one truck. When they came to deliver my items on XX/XX/2021, they were hours late because they moved my items from one truck to another they said. They opened the truck and items were destroyed. They tossed my stuff in the truck without proper care or packing. My lawnmower was destroyed. I took a video. They admitted that but refused to place it on the paperwork. They destroyed an antique chair, and my {$10000.00} XXXX XXXX  XXXX. I did not realize the destruction to my XXXX XXXX XXXX until I tried to sleep on it and it could not hold air, and they were missing pieces to hold the bed frame I bought from XXXX XXXXr together. They also initially refused to give me my stuff unless I paid again and then again when I asked them to cover the floors so they did not damage my house. I paid them a second time. I should not have had to pay at all based on the price of the items damaged, and that fact that the moving company did not call me back or answer my emails regarding my broken items. I therefore challenged the payment on my Capital One card of XX/XX/2021 because they breached the agreement and did not provide the services they were charging me for. They owe me over XXXX in damages. At this point I just want my money refunded for the move and Capital One initially refunded the contested charge, but then said the moving company said they moved my stuff and recharged me. They destroyed my stuff, held it hostage on a truck from a single mom with a XXXX daughter. Four men abused their power over me and I had no choice but to allow them to scratch my floor and bring in my things and they were scary. One had gang tattoos, and they threatened me. They broke my things and I called over and over and emailed to no avail. I should be refunded by Capital One as they did not provide the services required for the {$2500.00} I paid them. Please help me with Capital One to remove this charge. Capital One is a card that never protects the consumer. They always side with the companies and they do not allow you to email them disputes or upload material to them. They send a letter with too many questions and make it impossible to get the letter back on time as within 10 days of issuing the letter ( mind you it takes 7 days to get your mail these days ) they are already recharging your card before you can answer the lengthy questions, gather the material and send it back in the US mail and so they know they will always be able to turn around and recharge it so its gaining interest for them. This is just unfair consumer practices.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (PA)

I have made three separate requests to receive my report from LexisNexis, as indicated in their profile, but I have not received it either by mail or email. This issue has persisted since XXXX of 2023.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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 has reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

It has been seven long years since the financial meltdown. I have spent several years of my life attempting to do a loan modification on my own house and a rental property. 
The banks and " investors '' that own these loans are just paying lip service to us. 
The banks have only paid fines and now they are bigger than ever and just asreckless. XXXX XXXX has not seen any of this money. Inflation is high to the people that are paying bills and actually go to the store to buy food. 
The handling of this has created another reminder that there are XXXX sets of laws. 
Not one person has gone to jail or lost their position and yet they came so close to destroying America. 
Oh. It also created another department of government- the CFPB. 
I have complained years ago about this same issue and so have many others, but nothing has been done. 
Heck, XXXX sends people to jail just for shorting positions. 
I can only say that me and many people I talk to are fed up and disgusted at theability of the greedy and unethical to continue to thrive in this country. 
This sounds like a rant- because it is a rant and complaint because NOTHING has changed. 
* After completing this process, I have one question. 
What makes the CFPB any different than the XXXX????
Consumer complaint received 2023-06-08
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-08
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 (NY)

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the Capital One Bank, XXXX, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

I have been involved in a mortgage modifications with chase since XXXX since such time. They have advised me to fall behind on my mortgage to get the modification and since I completed the modification chase and signed off on the modification during XX/XX/XXXX with bringing my mortgage up to date they have failed to notify the credi burearues of this.. I have had 4 years of bs from them and want my credit re established without any issues from chase ... ... ..there is so much more. Chase has done to me I need to get rid of them ... ''
Consumer complaint received 2017-09-05
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: JPMORGAN CHASE & CO. (TX)

XXXX credit report shows two inquiries on my file from Chase XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both Chase and XXXX regarding the XX/XX/XXXXinquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XX/XX/XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (DE)

Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (NY)

On XX/XX/2022 XXXX XXXX XXXX was advised verbally on the telephone that we would be purchasing our Leased vehicle from the originating dealership by the end of the month. It was further discussed that an outstanding balance of {$200.00} would be added to the purchase price. Subsequent to that conversation, our dealership obtained a payoff amount to be valid until XX/XX/2022. On XX/XX/2022 we paid the payoff amount to the dealership with a cashiers check from our bank. On XX/XX/2022 XXXX XXXX XXXX repossessed the vehicle. 

XXXX XXXX XXXX states that the repossession occurred because of a {$200.00} outstanding balance that was 67 days past due. XXXX XXXX XXXX states that they attempted to call at our primary cell phone number, yet we received no missed calls and no voice messages. XXXX XXXX XXXX denies having a secondary cell phone number or work phone number, yet I received voice mails on both of those numbers from XXXX XXXX XXXX on XX/XX/2022 ( After business hours ) and the morning of XX/XX/2022. XXXX XXXX XXXX would not answer why written notice was not sent to our address on file.
Consumer complaint received 2022-03-22
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. (UT)

I purchased a house on XX/XX/XXXX through XXXX XXXX. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed XXXX XXXX. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( XXXX XXXX ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the XXXX XXXX spoke to the CEO of XXXX about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # ( 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.
Consumer complaint received 2022-05-04
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. (PA)

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Personal Information Address, Personal Information Also Known As, 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 accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-05-04
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: Atlanticus Services Corporation (FL)

Hard inquires XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX XXXX, XXXX XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry and I didn't authorize this hard inquiry. 
XXXX - XX/XX/XXXX - I DIDNT GIVE THIS COMPANY PERMISSON TO OBTAIN CREDIT RERPORT I HAVE NO KNOWLEDG OF THIS HARD INQUIRY. 
XXXX. XXXX XXXX - XXXX XXXX, XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this or have a credit card by this company.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.
Consumer complaint received 2023-06-08
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. (CA)

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I have already contacted you as well about this problem yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
ERC ( Original Creditor : XXXX XXXX XXXX  ), balance is {$580.00} and account # XXXX
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

It states on my credit report that I have been evicted from XXXX XXXX XXXX XXXX  NY XXXX XXXX It also states that I have 2 judgements
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX  balance {$0.00} account # XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Michael Harrison, Attorney at Law (PA)

It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.
Consumer complaint received 2022-03-22
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: SYNCHRONY FINANCIAL (OK)

In XXXX, I started seeing derogatory marks on an account I did not recognize. Upon research I discovered that there was a Synchrony Bank Paypal credit account showing delinquent. I opened several fraud claims as I did not authorize charges. I had to request statements to show the charges I did not authorize and received them in XX/XX/XXXX. I faxed this over and received a resolution letter showing fraud claim approved and my credit reports would be updated with all bureaus on XX/XX/XXXX. Account is still reporting on my credit report. Called back XX/XX/XXXX, and told all of my fraud claims have been denied and no proof of approval. I was told it was due to the type of fraud claim was showing identity theft and should've been transactional fraud. Told I needed to fax the charges again. I received a call on XX/XX/XXXX, when I called back on XX/XX/XXXX, no one knew what I was calling or talking about and had to go over all of the information again. I faxed the charges detail and the approval letter on XX/XX/XXXX. I also have mailed letters to the president of Paypal and Synchrony bank in XX/XX/XXXX and to date still have not received a resolution. Every time I call, it's 45 minutes of wasted time as I am told something different.