davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE AUTO FINANCE ( XX/XX/2020 ) and I have no recollection of doing any business with CAPITAL ONE AUTO FINANCE. I contacted CAPITAL ONE AUTO FINANCE and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2022-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE NA ( XX/XX/2021 ) ( XX/XX/2021 ) and I have no recollection of doing any business with CAP ONE NA. I contacted CAP ONE NA and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

My client used a credit card to pay me {$4200.00} via WePay ( JP Morgan Chase ). A few days went by and the money hadn't been transferred to my checking account. I contacted support and they gave me this response : XXXX XXXX, XXXX, the account has an available balance of {$4000.00}. This balance will be held for a period of XXXX calendar days to cover any potential chargebacks that may occur on the account. After the XXXX calendar day timeframe, our Trust & Safety team will review your account again to determine if the funds can be released.

We apologize that we are not able to offer you a better solution and wish you the best in your efforts going forward. 

Best Regards. 
XXXX | Customer XXXX XXXX
Consumer complaint received 2022-03-09
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. (TX)

On XXXX XXXX, I sent a dispute to Transunion and all items in question were deleted. As of the credit report received on XX/XX/2022, I found a deleted account that was reinserted on my credit report. This is a violation to my rights according to 1681i ( B ) ( ii ) - A written notice of reinsertion must be given no later than 5 days after the reinsertion and 1681i ( B ) ( i ) - Information cant be reinserted without the information being reported 100 % complete and accurate
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I signed up for automatic payments to be processed by the credit card company ( Chase ). The terms do state that the amount of the payment may be reduced considering credits from purchase returns, etc. It also states that it will not advise what amount it will transfer in advance of the actual payment. It also does not state that the amount they reduce the payment amount could be to a level below the minimum required by the account terms to satisfy the minimum payment for the month. 

After following up with Chase regarding no payment having been processed for the month, I was told that not only did they reduce the payment to zero due to refunds in the following billing cycle, but that I would receive notice by mail that due to lack of payment, my account would be closed in the next month. They are effectively considering the account to be in default. 

I consider this to be a breach of terms on Chase 's part for failure to ensure that the minimum payment required for the account was met through our agreement for automatic payments. I consider this to be fraudulent as they are creating a deliberate situation for Customers to be considered in default on their account.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There is incorrect information on my credit report such as personal information. The following information has been addressed as incorrect by all 3 credit bureaus and they are still reporting. I have attached the letter that was sent to all of them
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (OH)

Phoenix Financial Services has an old debt that was incurred back in XXXX. I was XXXX years old at  the time and had my XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX KY. I was under my parents ' medical insurance at the time. We believe the bill was paid by my parent 's insurance. I have sent 2 letters to Phoenix Financial, one in XX/XX/XXXX & one in XX/XX/XXXX to try to get verification of the debt. I also requested that the negative information be removed from my credit report. To date, that has not happened. If they can not verify that I owe this money, I want the negative information removed from my credit report.
Consumer complaint received 2018-08-10
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. (TN)

I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all  collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (MD)

I sent a letter XX/XX/2018 to XXXX XXXX which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from XXXX XXXX but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Consumer complaint received 2018-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for my writing today, is that Capital One is being unreasonable, I have noticed that they are reporting a late payment around XX/XX/XXXX of my cap one/XXXX account. I opened this account on XX/XX/XXXX and have had an outstanding reputation in as far as paying my credit obligation is concerned. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I've always paid above the minimum on all my Capital One accounts including my credit cards. Sometimes even 3x more than the minimum which I did many times before the stated late payment occurred. Were it not for the, hospitalization issue I had during the XX/XX/XXXX billing cycle, I would have cleared my {$25.00} fees that was due as I usually did, and maintained my 100 % record. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Please, remove the late payment history of this Retail credit card account. : CAPITAL ONE / XXXX Account Number : XXXX So please resolve this thing permanently and get back to me once you have, thank you.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the TRANSUNION, XXXX   AND XXXX
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America stated that my account has been converted from eChecking account to an account where it requires {$1500.00} monthly balance. I was not aware of the change, until I looked at the recent statements, where it shows two, $ XXXX monthly service charges. When I called the customer service line, they stated they were not able to waive the fees.
Consumer complaint received 2018-05-01
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. (PA)

I am one of the huge number of people who was affected by the data breach with Equifax. To say that I am disgusted is an understatement. They are offering protection for a year ... but what happens after that? I never agreed to them even having my information and yet they allowed this to happen without my consent. Something needs to be done to protect those of us who were part of the issue. There needs to be a solution beyond the hope and pray and forcing us to pay for protection to the company that leaked the information in the first place. Sounds a bit like a great way to boost business. Leak information an then charge people to protect them from the leak.
Consumer complaint received 2018-08-10
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. (NJ)

I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX  vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Consumer complaint received 2022-02-05
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: AMERICAN EXPRESS COMPANY (VA)

My card was taken and charged under false pretenses, fraudulently, and without my permission. I immediately contested the charge, and have repeatedly explained the circumstances that occurred to American Express. In my most recent attempt, I provided a letter recounting the entire history of the dispute and my multiple attempts to resolve it with American Express ( see first attachment ). In response, American Express provided the same generic response, attaching the same illegible " supporting documents '' that in no way support the charge or contradict the circumstances that I have described in a sworn declaration ( see second attachment ). In short, this is a fraudulent charge that American Express has repeatedly failed to reverse or to meaningfully address.
Consumer complaint received 2018-08-10
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. (NJ)

I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XX/XX/XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX  in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and  XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-04-27
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. (MD)

I sent a letter XX/XX/2018 to Trans Union which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Trans Union but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Paypal Credit sent me a letter stating I have an account with them and that they were changing the terms of the agreement. I called to notify them that I have never had an account with PayPal Credit and they said since I received the letter I do, but, even though I provided them with the last 4 of my social, DOB, address listed on the letter and the digits of the account listed on the letter they could not find my account. They just kept telling that I do have an account, but they just can't find it. He said only their back office could research it, but I couldn't talk to them and he basically said he couldn't help and to mail the letter back, at my cost and time, and write the words, " Close Account ''. He then abruptly ended the call since he said he couldn't help me. 

This is very frustrating, I have never received a letter from them, ever. I verified that the number I was calling was legitimate. They should not be in the business of notifying people that they have an account, but then tell people that they can't find their account, with Address, Name, last 4 SSN, DOB, and reference number from their letter! I request your assistance with this company to help me resolve this issue.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.