davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Chase authorized a {$2300.00} payment that was a fraud payment and refused to refund the payment. They claim to have fraud protection yet in spite of them telling me my account was hacked and charged they withdrew the money from my account and refused to credit the amount.
Consumer complaint received 2018-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2018 I sent US {$100.00} to my cousin in XXXX using the services of Western Union.  For this transfer I paid US {$8.00} transaction fee. The recipient was unable to receive the money on XX/XX/XXXX despite presenting the correct tracking number ( # XXXX ) and the valid government-issued ID. The recipient was told that the information about the transaction was not in the system. On XX/XX/XXXX I contacted Western Union by phone and was told that Western Union does not know the reason for this problem. They suggested that the best course of action would be to send me back the money so I can re-send. WU also agreed to return the transaction fee. 
On XX/XX/XXXX I went to WU branch in XXXX MA to receive the money and was able to get back US {$100.00} but not the transaction fee. Despite spending there more than an hour I never got the clear explanation why the transaction was not completed and why the transaction fee has not been returned
Consumer complaint received 2022-02-08
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. (AR)

The information being reported is incorrect and should be deleted and or updated : XXXX XXXXXXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NM)

Ally Financial modified a loan without my consent. I have contacted customer relations several times with no success. Ally Financial, although they agree to reinstate my original contract per their letter sent to me on XX/XX/2021, after talking to representative XXXX XXXX he states that only partial of the contract can be reinstated in the amount of {$290.00} after questioning why, he did not have a clear answer. I find this to be unacceptable and will continue to wait for Ally to do the right thing.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe XXXX XXXX. I dont have a XXXX account and have never used XXXX. I contacted XXXX on XX/XX/2018 who confirmed I do not owe them money.
Consumer complaint received 2019-05-03
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: TekCollect Inc. (WI)

There is a collections through Tek Collect that is from my wifes business that was an XXXX that I was not an owner of at all that is reporting just to my XXXX  report. The balance actually owed on this account is {$2400.00} which my wife has tried to pay but the business owner has been charging 18 % on the loan for the last 4 years and will not except just the {$2400.00} payment. The business owner has taken a debt that was for a business and in the business name and has switched it from the business name into my wifes name and then into both our names and now only into my name. We have tried multiple times to get this corrected and fixed and now he is showing the debt at our personal address now to instead of the business. We have tried to dispute it through XXXX but we are getting no where with the business owner, collection company or XXXX. We have been in contact with all parties multiple times and either don't get calls back or cant get any straight answer and they just tell us to get an attorney. We have already paid {$1100.00} towards this balance that was owed which is how the balance is down to {$2400.00}. When looking through the documents there are miscellaneous charges to the amount that no one can give us clarification on what the misc charges are for. They are for a couple XXXX dollars each.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.
Consumer complaint received 2019-08-30
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 (NJ)

XXXX sent a cheap battery in place of the real bicycle battery I ordered and tried to say they sent the right one. They even sent Capital One Bank a picture of the right battery!! Capital One first credited my account for the money, but then recharged it. When I sent them all the pictures that they requested and all of documentation, it seemed it just wasnt never enough. Every time I sent them documentation, Capital One would request more or state that it was wrong. I spoke with them and they insisted that it had to be on letterhead, but the letterhead that the XXXX and XXXX XXXX provided was what they used and it wasnt regulation letterhead so it wasnt good enough for Capital One. I tried to explain to Capital One that not everyone has printed letterhead, but no one listened. A lot of shops print their letterhead on their printers. Needless to say, my dispute case was dismissed!! 

This is the water downed version of what happened. Each month, Capital One requested something different. But no matter how many hoops I jumped through, it was never enough.
Consumer complaint received 2018-09-01
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. (CA)

To Whom It May Concern : I had filed a dispute with all 3 credit bureaus ; XXXX, Equifax, and XXXX. I was a victim of identity fraud and completed disputes to those accounts created without my knowledge and with my stolen information. I filed a police report, and submitted all paper work as requested. XXXX  and XXXX were great and helped me step by step and made sure my credit reporting was correct, and deleted all fraudulent account. Equifax on the other hand are not deleting fraud accounts and stating they are mine, when in fact my information and identity was stolen. Instead of trying to help me, they tried to sell me products to monitor my report. I have a police report, I am a victim, and this company is not trying to help me. How is all the same information available to all credit bureaus but Equifax keeps insisting it is my account. It is very upsetting, and no one is helping me. On another note their website doesn't even let me log into to check my dispute because they keep stating im answering my security questions incorrectly. IF FRAUD WAS DONE ON MY ACCOUNT how am I suppose to know what accounts were open.
Consumer complaint received 2023-08-02
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: CITIBANK, N.A. (IL)

A merchant charged our credit card on XX/XX/23 for {$1000.00}. They never did any services so we started a dispute near the end of that month. Citibank said to look out for something in our email re : this case and we never saw/heard anything until we saw a reversal in favor of the merchant on our credit card statement. Citi said they sent something in the mail - saying the merchant responded and we were supposed to respond back by a certain date. We never received that mail. The merchant just sent over an invoice stating that he charged us {$1000.00}. Based on that they reversed it for some reason ... no valid contract whatsoever, and we never saw any mail from Citi. We called and they re-assured us many times that they will re-open the case since we didn't get the letter and since we were a customer for near 20 years. We told them the company was fraudulent from the beginning of the dispute -- why should we be held accountable for not getting this letter? They could've sent an email, as well - certified mail, etc... mail " DOES '' get lost these days & person in charge in disputes should not have reversed the charged based on just an invoice.
Consumer complaint received 2019-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NY)

I took out loans every month and my last loan for XXXX i had a XXXX and went into hospital for 2 weeks so when I got out and went home someone took my XXXX check for XXXX and wasnt able to pay rent or loan. I called XXXX XXXX and told them would have to pay interest and in XXXX pay off loan. XX/XX/XXXX they took {$96.00} for the interest for the month of XXXX, and I called same day to pay off loan before the next due date of XX/XX/XXXX, and the lady I spoke to said I had to pay {$430.00} for the {$300.00} loan that I usually pay {$310.00} by the 5th of each month. I confirmed they took the XXXX interest for the month of XXXX and that I was calling to pay off loan before the due date of XX/XX/XXXX, she kept saying I had to pay the interest for the month of XXXX even though it was not due yet. She than put loud hold music while I was talking to her and didnt come back to phone. I need help
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (FL)

XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.
Consumer complaint received 2023-01-10
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-10
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (GA)

This company has been harassing me and calling me daily, non stop. They have even called before XXXX, and refuse to stop. There has been no written notification of debt, so Im confused on why theyre even contacting me. If I dont answer they call from a XXXX number.
Consumer complaint received 2019-05-03
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: Ad Astra Recovery Services Inc (LA)

This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2019-08-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Collections, Inc. (OR)

I bought tires from the XXXX store in XXXX, OR. I paid the balance when I picked up my car using a XXXX XXXX that I had and my credit card. Months later they started sending me credit collection notices. The last notice I received I wrote on the collection notice that I paid the balance in full at time of service. I have not heard back from them and this is showing up on my credit report. I need it removed from my credit reports.
Consumer complaint received 2018-09-01
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. (NC)

On XX/XX/2018 I received an updated credit report from XXXX and Equifax and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NV)

I purchased a much-needed dining room set at XXXX XXXX store XX/XX/XXXX and since it was about {$610.00} total, I felt {$58.00} deducted twice a month from my bank account by XXXX was feasible. When I phoned acimia on XX/XX/XXXX a rep said that the balance was {$190.00} early payoff. I asked what the amount would be if I paid after the due date and he stated it would be the same. So, after I received my paycheck and was ready to pay off the balance of {$200.00}, I phoned on the evening of XX/XX/XXXX and the recording said I owed {$570.00}!! I phoned the next morning to speak with a rep and wanted to know why they hadn't bothered to send me some type of reminder and he claimed they don't do that! When I phoned again later that day demanding to speak with a manager, the so-called employee calling himself XXXX dared to claim it was my responsibility to remember! The next employee calling himself XXXX blatantly lied claiming they had sent a reminder to me via email and he correctly recited my email address during the call.
Consumer complaint received 2018-09-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Greater Collection Agency Bureau, LLC (KS)

I received a call XX/XX/XXXX from a person from GCAB ( Greater Collection Agency Bureau ) They knew my full name, ss #, bank information, everything. Said I had a debt from an online payday loan company in XX/XX/2013. I've never done that. The person that took the loan out was a different name. He said he'd give me until Wednesday to figure it out or they will file a judgment and it will be on my credit. I'm not sure what to do. This is the number they left. ( XXXX ) XXXX-XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I have recently reviewed my credit report and discovered inquiries that I did not authorize and have no association with. I believe these inquiries are a result of identity theft.