davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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 (TX)

XX/XX/2020 I made a purchase on XXXX to a company called XXXX on XX/XX/2020. On that date, I received an order detail sheet stating that I would be charged approximately {$130.00} but due to the exchange rate, the amount displayed may be more. It further stated that " XXXX '' will be displayed on your credit card statement instead of the website from which you purchased the mentioned above product. It's just used for sending bill statement by the seller 's payment processor as a tool. 
XX/XX/2020 I received an email from XXXX with my order number XXXX and the description of what I ordered, which was several XXXX sets. They stated my order was processing and to be patient. 
XX/XX/2020 I received the email with the tracking information The tracking No. is : XXXX XXXX XXXX Item arrived in my mailbox. The item was from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX The box was approx 6 '' x4 '' and the value was put at {$15.00} The item is a pair of FAKE XXXX Sunglasses - clearly not XXXX 's XX/XX/2020 I emailed XXXX stating that I received FAKE sunglasses and not the XXXX sets I ordered. I received no reply XX/XX/2020 I contacted Capital One and opened a dispute regarding the fraudulent charge and merchandise I received. 
XX/XX/2020 Capital One mailed out a reversal letter XX/XX/2020 They reversed the payment and recharged me the fraudulent charge of {$130.00} XX/XX/2020 I received the paperwork and immediately called Capital One, I was on hold for over 18 minutes and disconnected. I called again and waited over 16 minutes before someone picked up. I explained my problem asked why the supporting documents from the merchant didn't match my claim OR case number. I was told due to Visa 's requirements, I would have to get a second opinion on company letterhead from another merchant from the same field. First, I have never heard of this, second - why would or could I do that when the company I purchased from is a scam fraudulent company? This is just ridiculous and I feel Captial One is passing the buck and not standing by my claim. The operator I spoke to stated he had dealt with this company before and heard the same complaints. Why isn't Capital One not protecting me as their customer and hiding behind Visa 's policy? I clearly have the documentation and proof that what I purchased I did not receive. The response from the merchant doesn't support that nor does it show that I purchased from store.brickstoyna.shop and not XXXX a children 's boutique as they state. 

This is a fraudulent charge and fraudulent item received and I expect Capital One to stand by their customers. I want my {$130.00} back and this company needs to be flagged! I am including what I received from the company, what I received from Captial One, and a website that clearly shows that this company and all it's named sources from XXXX is fraudulent.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize.I am a victim of Fraud and I am protecting my credit file as much as I can. Please delete the following account XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to XXXX  and Experian to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.
Consumer complaint received 2022-06-13
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. (GA)

Ive been contacting Experian for years about this XXXX Bank and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Experian that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Experian refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed XXXX times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Experian correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Consumer complaint received 2021-11-23
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. (CA)

Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately
Consumer complaint received 2018-04-22
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (GA)

I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.
Consumer complaint received 2022-11-30
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (OH)

United Collection Bureau has been calling my husband. He told there they need to speak to me his wife. He gave me the phone number which it is on my phone. I took a picture of it. The day I call was XXXX at XXXX pm the phone number is XXXX. When the man answer I could nit understand him. I kept asking the name of the company. I could not under stand him. I told him my husband gave me this phone number to call. He told me he doesn't have a file. I told him I need someone to speak XXXX. The man hung up on me. I thought may be my husband gave me the wrong phone number. It was one there web site. 
My talk XXXX and she there no record of me calling in. But I took of picture and saved to my phone. 
They call my XXXX  on XXXX and he told me to call ask for XXXX at XXXX. I talk to XXXX she said what is my phone I told you. She said she would call me back in XXXX minutes. She never call me back. The account number is XXXX. My husbands name is XXXX XXXX and my name is XXXX XXXX. Please let me know. Thank you
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to XXXX, Trans Union, and XXXX, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.
Consumer complaint received 2018-12-09
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX -- -> XXXX XXXX XXXX  XXXX XX/XX/2015 {$130.00}
Consumer complaint received 2018-04-22
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. (OK)

On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and Experian.
Consumer complaint received 2022-06-13
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: SYNCHRONY FINANCIAL (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (MI)

Midw est Recovery Systems XXXX. XXXX  XXXX XXXX, MO XXXX Balance {$2100.00} Has negatively reported on my credit report for the passed 5 months with no verification impairing me from using my credit properly. 
]
Consumer complaint received 2022-06-13
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. (TN)

Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : XXXX XXXX
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TN)

I currently disputed the following car loan : Bridgecrest. I have already brought this to XXXX, XXXX   and XXXX  attention. I have disputed the account multiple times for incorrect information from the monthly payment, to the terms, and also the original balance. I gave them a chance to fix it. It has been more than 30 days. They updated the item still with the incorrect information. I have sent the bureau a copy of my email coming straight for Bridge crest them self telling me my monthly payment. I also sent XXXX   my monthly statement where it shows Bridgecrest taking their monthly payment from my account. XXXX   has update my information and now it has the wrong date which I opened the account, and it shows no monthly payment and no terms.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I received an email from Citi saying that they were decreasing my credit limit by approximately half. ( From {$8500.00} to {$4800.00}. ) They gave no reason other than they decided to review my account and credit information. They also decreased it precisely enough to cover any pending charges and to max out the new reduced credit limit. 

My credit score is still over 700. The only real changes to have happened on the card is that I just recently started to carry a balance on it ( yay, hyper-inflation ) and have started using it at other places rather than just Costco. ( It is a Costco branded Visa card but not a store exclusive credit card. )
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I deploy and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
Consumer complaint received 2018-04-22
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. (OK)

On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, Transunion and XXXX.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX XXXX. XXXX XXXX Bank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX Bank XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020 I changed my bank account from a local bank in my home state to Chase Bank. I had already had a Amazon credit card through them. On accident I made a couple of payments that was directed to my now closed banking account. After doing it twice I finally noticed what I had been doing and changed it to my new Chase Bank account. After a couple of days I am told that my Chase Amazon Credit Card was closed because of this mistake. I have been a loyal customer for nearly 8 years and have made all my payments on time and in an efficient matter. The fact that if I make a mistake and they close it is absurd. I would like to launch a formal complaint against them.